CN106506496A - A kind of methods, devices and systems that withdraws the money without card - Google Patents
A kind of methods, devices and systems that withdraws the money without card Download PDFInfo
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- CN106506496A CN106506496A CN201610969892.5A CN201610969892A CN106506496A CN 106506496 A CN106506496 A CN 106506496A CN 201610969892 A CN201610969892 A CN 201610969892A CN 106506496 A CN106506496 A CN 106506496A
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
- G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
- G06K7/10257—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves arrangements for protecting the interrogation against piracy attacks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
- G06K7/10544—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation by scanning of the records by radiation in the optical part of the electromagnetic spectrum
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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]
- G07F19/202—Depositing operations within ATMs
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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
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
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- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Computer Security & Cryptography (AREA)
- Signal Processing (AREA)
- Health & Medical Sciences (AREA)
- General Physics & Mathematics (AREA)
- Computer Networks & Wireless Communication (AREA)
- General Engineering & Computer Science (AREA)
- Electromagnetism (AREA)
- General Health & Medical Sciences (AREA)
- Toxicology (AREA)
- Finance (AREA)
- Theoretical Computer Science (AREA)
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- Computer Vision & Pattern Recognition (AREA)
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- Business, Economics & Management (AREA)
- Biomedical Technology (AREA)
- Telephone Function (AREA)
- Telephonic Communication Services (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The embodiment of the invention discloses a kind of method and apparatus that withdraws the money without card and system, wherein method includes：Mobile terminal receives the read requests that self-service equipment sends, and the read requests are used for asking the mobile terminal to reply user profile；The mobile terminal responds the read requests, obtains user profile, and sends response message to the self-service equipment, and the response message includes user profile；The mobile terminal receives the checking information that the self-service equipment is returned according to the response message, and after being encrypted to the checking information based on signature key, obtains signature verification information；The mobile terminal will ask number and the signature verification information to be sent to the self-service equipment, in order to complete to withdraw the money.Using the present invention, the safety that withdraws the money without card can be improved, meet the intelligent demand to information security.
Description
Technical field
A kind of the present invention relates to communication technical field, more particularly to methods, devices and systems that withdraws the money without card.
Background technology
With the development of communication technology, it is to meet the demand to information security, the function of mobile terminal is also constantly rich
Rich with perfect.
Traditional mode that is withdrawn the money on bank self-help ATM, has to be by bank card as medium, input
The password of bank card, can just be withdrawn the money after on bank self-help ATM, password check is correct, the operation that this mode needs
Step is more, and is limited by medium, it is impossible to meet the intelligent demand to withdrawal mode, also, bank card information is easy
It is copied illegally, password is also easily cracked, safety is relatively low.
Content of the invention
Embodiment of the present invention technical problem to be solved is, there is provided a kind of methods, devices and systems that withdraws the money without card,
The safety that withdraws the money without card can be improved, the intelligent demand to information security is met.
In order to solve above-mentioned technical problem, a kind of method that withdraws the money without card is embodiments provided, including：
Mobile terminal receives the read requests that self-service equipment sends, and the read requests are used for asking the mobile terminal to return
Multiple user profile；
The mobile terminal responds the read requests, obtains user profile, and disappears to self-service equipment transmission response
Breath, the response message include user profile；
The mobile terminal receives the checking information that the self-service equipment is returned according to the response message, and based on signature
After key is signed to the checking information, signature verification information is obtained；
The mobile terminal will ask number and the signature verification information to be sent to the self-service equipment, in order to complete
Withdraw the money.
Wherein, before the mobile terminal receives the read requests that self-service equipment sends, also include：
Showing, the user interface being connected is set up with self-service equipment；
Receive the authentication information being input in the user interface, the authentication information includes fingerprint, password, gesture, close
One or more of code；
If the authentication information is effectively, the mobile terminal is set up with the self-service equipment and is connected.
Wherein, the mobile terminal is set up with the self-service equipment and is connected, including：
The mobile terminal is set up by the way of close range wireless communication NFC with the self-service equipment and is connected, Huo Zhesuo
State mobile terminal and set up by the way of scanning figure shape code with the self-service equipment and be connected.
Correspondingly, the embodiment of the present invention additionally provides a kind of method that withdraws the money without card, including：
Self-service equipment obtains the response message of mobile terminal, and the response message includes user profile；
The self-service equipment sends the response message to server and is identified, if receive the server being directed to
The checking information of the response message, then be forwarded to the mobile terminal by the checking information；
The self-service equipment receives the request number and the signature signed by the checking information of the mobile terminal
Checking information, and generate the withdrawal request including asking number and signature verification information, the withdrawal request is sent to described
Server；
If receiving the confirmation message of the server, the self-service equipment is carried out at withdrawal according to the request number
Reason.
Wherein, before the self-service equipment obtains the response message of mobile terminal, also include：
The self-service equipment is set up by the way of close range wireless communication NFC with the mobile terminal and is connected, Huo Zhesuo
State self-service equipment and set up by the way of scanning figure shape code with the mobile terminal and be connected.
Wherein, the self-service equipment is set up by the way of scanning figure shape code with the mobile terminal and is connected, and specifically includes：
The self-service equipment calls photographing module to read the graphic code shown on mobile terminal, generates communication connection information,
Or
Show graphic code on the display interface of the self-service equipment, after receiving graphic code described in the mobile scanning terminal
The communication connection information of return；
The self-service equipment is set up with the mobile terminal according to the communication connection information and is connected.
Correspondingly, the embodiment of the present invention also provides a kind of device that withdraws the money without card, including：
Receiver module, for receiving the read requests that self-service equipment sends, the read requests are used for asking to reply user
Information；
Acquisition module, for responding the read requests, obtains user profile；
Sending module, for sending response message to the self-service equipment, the response message includes user profile；
The receiver module, is additionally operable to receive the checking information that the self-service equipment is returned according to the response message；
Security module, for digital certificate and signature key, and based on the signature key to the checking information
After being signed, signature verification information is obtained；
The sending module, is additionally operable to for request number and signature verification information to be sent to the self-service equipment, in order to
Complete to withdraw the money.
Wherein, described device also includes: display module, for showing the user interface connecting with Possum;
Wherein, the receiver module, is additionally operable to receive the authentication information being input in the user interface, the authentication letter
Breath include fingerprint, password, gesture, one or more of password；
Link block, is set up with the self-service equipment and is connected if for the authentication information effectively.
Wherein, the link block, specifically for being built by the way of close range wireless communication NFC with the self-service equipment
Vertical connection, or set up by the way of scanning figure shape code with the self-service equipment and be connected.
Correspondingly, the embodiment of the present invention also provides a kind of device that withdraws the money without card, including：
Acquisition module, for obtaining the response message of mobile terminal, the response message includes user profile；
Communication module, is identified for sending the response message to server, if receiving the server pin
Checking information to the response message, then be forwarded to the mobile terminal by the checking information；
The communication module, is additionally operable to receive the request number of the mobile terminal and the checking information is encrypted
Signature verification information；
Generation module, includes the withdrawal request for asking number and signature verification information for generating；
The communication module, is additionally operable to send the withdrawal request to the server；
Processing module, if for the confirmation message for receiving the server, the self-service equipment is according to the request
Number carries out withdrawal process.
Wherein, described device also includes：
Link block, is connected for being set up by the way of close range wireless communication NFC with the mobile terminal, Huo Zheyu
The mobile terminal sets up connection by the way of scanning figure shape code.
Wherein, described device also includes photographing module, for reading the graphic code shown on mobile terminal；
The link block, is connected for being set up by the way of scanning figure shape code with the mobile terminal, specifically for
According to the graphic code shown on the mobile terminal that photographing module reads, communication connection information is generated, or
Show graphic code on display interface, the communication connection returned after receiving graphic code described in the mobile scanning terminal
Information；
Set up with the mobile terminal according to the communication connection information and be connected.
Correspondingly, the embodiment of the present invention also provides a kind of system that withdraws the money without card, including：Mobile terminal, self-service equipment, clothes
Business device；
The self-service equipment, for sending read requests to the mobile terminal, the read requests are described for asking
Mobile terminal replys user profile；
The mobile terminal, for receiving and responding the read requests, obtains user profile, and to the self-service equipment
Response message is sent, the response message includes user profile；
The self-service equipment, is additionally operable to receive the response message, and the response message is sent to server；
The server, for being identified to the response message, if recognition result is that the response message is effective,
The checking information for the response message is sent to the self-service equipment；
The self-service equipment, is additionally operable to for the checking information to be forwarded to the mobile terminal；
The mobile terminal, is additionally operable to receive the checking information, the checking information is signed based on signature key
After name, signature verification information is obtained, and request number and the signature verification information are sent to the self-service equipment；
The self-service equipment, is additionally operable to generate the withdrawal request for including asking number and signature verification information, takes described
Money request is sent to the server；
The server, is additionally operable to verify that whether effectively the withdrawal request, if effectively, is sent out according to the withdrawal request
Go out and confirm message to the self-service equipment；
The self-service equipment, is additionally operable to carry out withdrawal process according to the request number.
Implement various embodiments of the invention or its implementation, have the advantages that：It is received from by mobile terminal
The read requests of equipment are helped, the request is then responding to, user profile is obtained, sending includes that the response message of user profile extremely should be certainly
Equipment is helped, further, the mobile terminal receives the checking information that the self-service equipment is returned, and the mobile terminal is based on signature key
After being encrypted to the checking information, signature verification information is obtained, and request number and the signature verification information are sent to this
Self-service equipment, it is possible to reduce the operating procedure of withdrawal, improves the safety that withdraws the money without card, meets the intelligent need to information security
Ask.
Description of the drawings
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
Accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, on the premise of not paying creative work, can be with
Other accompanying drawings are obtained according to these accompanying drawings.
Fig. 1 is a kind of schematic flow diagram without card withdrawal method that first embodiment of the invention is provided；
Fig. 2 is a kind of schematic flow diagram without card withdrawal method that second embodiment of the invention is provided；
Fig. 3 is the information exchange schematic diagram that second embodiment of the invention is provided；
Fig. 4 is a kind of structural representation without card withdraw device that third embodiment of the invention is provided；
Fig. 5 is a kind of structural representation without card withdraw device that fourth embodiment of the invention is provided；
Fig. 6 is a kind of structural representation without card withdraw device that fifth embodiment of the invention is provided；
Fig. 7 is a kind of structural representation without card withdraw device that sixth embodiment of the invention is provided；
Fig. 8 is a kind of structural representation without card withdrawal system that seventh embodiment of the invention is provided.
Specific embodiment
Accompanying drawing in below in conjunction with the embodiment of the present invention, to the embodiment of the present invention in technical scheme carry out clear, complete
Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than whole embodiment.It is based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of creative work is not made
Embodiment, belongs to the scope of protection of the invention.
Fig. 1 is referred to, is a kind of schematic flow diagram without card withdrawal method that first embodiment of the invention is provided.The present invention
The methods described of embodiment can be executed by various intelligent terminal, and specifically, intelligent terminal can be smart mobile phone, flat board electricity
The terminals with payment processes function such as brain, intelligent wearable device.As shown in figure 1, in the embodiment of the present invention without card withdrawal side
Method is comprised the following steps：
S101, mobile terminal receive the read requests that self-service equipment sends, and the read requests are used for asking the movement
Terminal replies user profile.
Optionally, before the mobile terminal receives the read requests that self-service equipment sends, also include：Show and set with self-service
The standby user interface for setting up connection；Receive in the user interface be input into authentication information, the authentication information include fingerprint,
Password, gesture, one or more of password；If the authentication information effectively, built with the self-service equipment by the mobile terminal
Vertical connection.
It should be noted that the user interface can be Mobile banking's interactive interface of bank, or the movement
The interface interacted with self-service equipment of terminal preset, it is of course also possible to be other kinds of user interface.
Specifically, when user is input into authentication information in present user interface, mobile terminal receives the mirror of user input
Power information, whether the mobile terminal checks the authentication information correct, if authentication information is correct, enters mobile terminal and self-service
In present user interface, the page of equipment connection, if authentication information is incorrect, shows that code error, user can be selected again
Secondary input password, it is also possible to select to exit present user interface.
Wherein, authentication information includes that the modes such as fingerprint, password, gesture, password, user can be pre-configured into access customer circle
Using any or multiple authentication modes during face, it is also possible to the authentication mode that is given tacit consent to using mobile terminal, can also use certainly
Other modes.In some feasible embodiments, user pre-sets the authentication information for entering present user interface, the movement end
End stores the authentication information, when user is again introduced into the user interface, needs to be input into the authentication information for pre-setting, Ran Houyou
Whether the authentication information that mobile terminal compares user input is identical with the authentication information for prestoring, if identical, mobile whole
Hold to enter with the self-service equipment and set up the page being connected, if it is not the same, then showing in the user interface of mobile terminal close
The prompting message of code mistake.
Wherein, the mobile terminal is set up with the self-service equipment and is connected, including：The mobile terminal self-service is set with described
Standby set up connection by the way of close range wireless communication NFC, or the mobile terminal and the self-service equipment are using scanning
The mode of graphic code sets up connection.
It should be noted that close range wireless communication NFC is to be recognized by non-contact radio-frequency and the technology of interconnecting is drilled
Become, combining induction card reader, icah wavw and point-to-point function on single chip, in the short distance with simultaneous
The equipment of appearance is identified and data exchange.Wherein, needed in the built-in NFC chip of the mobile terminal using NFC technique so that number
According to bi-directionally transmitted function can be realized.This technology is applied to electronic money payment, greatly ensure that the peace that withdraws the money without card
Quan Xing.
If also, it should be noted the mobile terminal is set up by the way of NFC with the self-service equipment being connected, then user
After the user interface input authentication information, if mobile terminal checks the authentication information correctly, and the self-service equipment is in the movement
Terminal can set up (in such as 2 meters) in the distance range of connection, then the mobile terminal is directly set up with the self-service equipment and is connected.
Also, it should be noted if mobile terminal is set up by the way of scanning figure shape code with the self-service equipment be connected, that
, after the user interface input authentication information, if mobile terminal checks the authentication information correctly, the mobile terminal will for user
Show a graphic code comprising communication connection information, the photographic head that the graphic code is put into the self-service equipment in current interface
Place, if the photographic head identification graphic code success of the self-service equipment, the mobile terminal is set up with the self-service equipment and is connected.Or
Person, after the user interface input authentication information, if mobile terminal checks the authentication information correctly, the self-service equipment exists user
Show a graphic code comprising communication connection information in current interface, by the mobile scanning terminal graphic code, if scanning successfully,
Then the mobile terminal is set up with the self-service equipment and is connected.
Wherein, graphic code can be the forms such as Quick Response Code, bar code, include the phase for setting up communication connection in the graphic code
Pass information, the information are typically formed by 0,1 bit combinations, are identified in order to machinery equipments such as computers.
S102, the mobile terminal respond the read requests, obtain user profile, and send sound to the self-service equipment
Message is answered, the response message includes user profile.
It should be noted that the user profile can include digital certificate information and card image, wherein, digital certificate can
To be preset in the mobile terminal, when mobile terminal receives the read requests that self-service equipment sends, then read digital certificate
In information.Card image can include that user account, user cipher etc. are stored in the information in bank's card, the card image
Can be manually entered by user, it is also possible to prestored by mobile terminal, when mobile terminal receives what the self-service equipment sent
During read requests, then read the card image.
Wherein, digital certificate letter is compressed when acquisition for mobile terminal after the digital certificate information and card image then
Breath and card image into communication bag generate response message, then the response message are sent to this by communication connection and self-service set
Standby.
S103, the mobile terminal receive the checking information that the self-service equipment is returned, and base according to the response message
After signature key is encrypted to the checking information, signature verification information is obtained.
It should be noted that the checking information is referred to verifying to the response message of the mobile terminal, the result
After effectively, the information that the mobile terminal can just be received.In some feasible embodiments, checking information can be random
Number, if mobile terminal receives random number, mobile terminal is then digitally signed to random number using the signature key, and generation is taken
Random number with the digital signature, and the random number after being digitally signed is encapsulated in signature verification information.
S104, the mobile terminal will ask number and signature verification information to be sent to the self-service equipment, in order to complete
Into withdrawal.
In some feasible embodiments, mobile terminal can be by the signature verification information be sent to self-service equipment it
Afterwards, then by user input the number that withdraws the money, and it is sent to the self-service equipment；Or, mobile terminal can also be while by user
The request number of input and signature verification information are sent to the self-service equipment.
Also, it should be noted request number can be withdraw funds.Specifically, the mobile terminal is by the request number
After the self-service equipment is sent to the signature verification information, the self-service equipment needs to believe the request number and the signature verification
Breath is verified that generally, the request number and the signature verification information are transmitted to server by self-service equipment, by servicing
Device carries out the checking to signature verification information, and according to the card image verification request number that the self-service equipment gets before
Whether beyond the storage number on card, if server authentication signature verification information is effectively, and number is asked without departing from storage
Number, then server then sends the order for confirming note output to the self-service equipment, the self-service equipment is then carried out according to request number
Note output is operated.
As can be seen that in embodiment of the present invention technical scheme, being set up with self-service equipment by mobile terminal first and being connected, connect
The read requests for receiving self-service equipment, the request is then responding to, user profile is obtained, sending includes that the response of user profile disappears
Cease to the self-service equipment, further, the mobile terminal receives the checking information that the self-service equipment is returned, based on signature key pair
After the checking information is encrypted, signature verification information is obtained, and request number and the signature verification information are sent to this certainly
Help equipment, it can be ensured that the verity of operation of withdrawing the money, integrity, while reducing the operating procedure of withdrawal, improve and withdraw the money without card
Safety, meet intelligent demand to information security.
Fig. 2 is referred to, is a kind of schematic flow diagram without card withdrawal method that second embodiment of the invention is provided.The present invention
The methods described of embodiment can be executed by various high-precision electromechanical integration terminals, and specifically, the terminal can be
The terminals with payment processes function such as self-service ATM ATM, automatic cash dispenser CDM.As shown in Fig. 2 in embodiments of the invention
Comprise the following steps without card withdrawal method：
S201, self-service equipment obtain the response message of mobile terminal, and the response message includes user profile.
It should be noted that the user profile can include digital certificate information and card image, wherein, digital certificate can To be preset in the mobile terminal, when mobile terminal receives the read requests that self-service equipment sends, then read digital certificate In information. card image can comprise user account, user ciphers etc. are stored in the information in bank's card.
Optionally, before described Possum obtains the response message of mobile terminal, also comprise: described Possum and described mobile terminal adopt the mode of close range wireless communication NFC to connect, or the mode of described Possum and described mobile terminal employing scintigram shape code connects.
Optionally, described Possum and described mobile terminal adopt the mode of scintigram shape code to connect, specifically bag Draw together: described Possum calls photographing module and reads the graphic code showing on mobile terminal, generate communication connection information, or in institute State display graphics code on the display interface of Possum, receive the communication link of returning after graphic code described in described mobile scanning terminal Connect information; Described Possum connects according to described communication connection information and described mobile terminal.
It should be noted that, if this Possum and this mobile terminal adopt the mode of NFC to connect, user is after the user interface input authentication information of mobile terminal so, if it is correct that mobile terminal is checked this authentication information, and for example, in the distance range that this Possum can connect at this mobile terminal (2 meters in), so this Possum directly and this mobile terminal connect.
Concrete, if this Possum and this mobile terminal adopt the mode of scintigram shape code to connect, user so after the user interface input authentication information of mobile terminal, if it is correct that mobile terminal is checked this authentication information, this mobile terminal just can show a graphic code that comprises communication connection information in current interface, this graphic code is put into the camera of this Possum place, if the camera of this Possum identification graphic code success, this mobile terminal and this Possum connect. or person, user is after this user interface input authentication information, if it is correct that mobile terminal is checked this authentication information, this Possum exists in current interface, show a graphic code that comprises communication connection information, by this graphic code of mobile scanning terminal, if scan successfully, this Possum and this mobile terminal connect.
S202, described Possum are sent to server by described response message and identify, if receive the authorization information of described server for described response message, described authorization information are forwarded to described mobile terminal.
It should be noted that, server is identified the step of this response message, can be first to extract the user profile being included in response message, user profile can comprise digital certificate information and card image, wherein, card image can specifically comprise again the encrypted message of bank card account number information and corresponding account. whether this server is effective according to card image discriminating digit certificate information, if digital certificate information is effective and corresponding with card image, this server sends authorization information for this response message so.
Described mobile terminal utilizes described individual private key to carry out digital signature to random number, and described digital signature is sent to described Possum terminal, so that described Possum terminal sends to server to verify described digital signature.
The signature verification information that S203, described Possum receive the request number of described mobile terminal and described authorization information is signed, and generate the request of withdrawing the money that comprises request number and signature verification information, described in inciting somebody to action, the request of withdrawing the money is sent to described server.
It should be noted that, authorization information can be random number, also can be other verification modes. in some feasible realities execute in mode, this server produces and sends one group of random number to this Possum, be transmitted to this by this Possum and move end end, this mobile terminal utilizes signature key to carry out digital signature to this random number, and the digital signature that comprises random number is sent give this Possum, being transmitted to this server by this Possum. server receives after the digital signature that comprises random number, make whether consistent with the random number that server produces by the random number in client public key certifying digital signature, if consistent, judgement this transaction authentication passed through.
If S204 receives the confirmation message of described server, described Possum is according to the processing of withdrawing the money of described request number.
Also it should be noted that, the signature verification information that this server judges this random number effectively after, also need to be based on Whether card image inquiry account balance is more than or equal to request number, if account balance is more than or equal to request number, and these clothes Business device sends confirms that the order of withdrawing the money, to Possum, carries out note output step by this Possum; Please if account balance is less than Ask number, the order that this server sends the failure of withdrawing the money is to Possum, and this Possum is showing screen display remaining sum not The prompting message of foot.
For instance, as shown in Figure 3, show user, Possum, server, the information interactive process of mobile terminal. at step S1, user opens the application of bank service, enter the interface of this bank service application, select step S2, enter without card the service of withdrawing the money, then this mobile terminal and Possum connect, the concurrent row of sending to is withdrawn the money the instruction of operation to should be from without card help equipment, Possum carries out step S3 for this instruction, send the response message that obtains user profile to this mobile terminal, move moving terminal can find user profile in preset chip, then carry out step S4, by this response that comprises user profile message sends to this Possum, Possum carries out step S5 again, forwarding this response message identifies to server.
If it is effective that server is identified this response message, carry out step S6, send checking message to Possum, by self-service equipment execution step S7, this authorization information is transmitted to mobile device, this mobile device need to perform step S8, private based on individual key is signed to this checking message and is sent signature verification information to Possum, on mobile terminal, carried out again step by user rapid S9, input the amount of money of withdrawing the money, carry out S10 by mobile terminal, the amount of money and the signature verification message of withdrawing the money is issued this Possum, so after by server identify this signature verification information and the amount of money of withdrawing the money whether effective, if effectively, this server is to this self-service establishing the standby step S11 that carries out: authorize, order this Possum execution step S12, complete note output step according to the amount of money of withdrawing the money, user can extract cash.
Can find out, in embodiment of the present invention technical scheme, first connect by Possum and mobile terminal, obtain Response message of the mobile terminal comprising user profile is got, the message is forwarded to server then and is identified, if receiving the authorization information of server, forward this authorization information to this mobile terminal, and forward the signature verification information of this mobile terminal process with request number to server, can guarantee the authenticity of withdrawing the money and operating, integrality, reduced the behaviour who withdraws the money simultaneously Make step, improve the safety that withdraws the money without card, meet the intelligent demand to information security.
Be apparatus of the present invention embodiment below, apparatus of the present invention embodiment is used for carrying out the inventive method the first embodiment and The method that second embodiment is realized, for convenience of description, illustrate only the related part of the embodiment of the present invention, does not specifically disclosePart, refer to first embodiment of the invention and second embodiment.
Fig. 4 is referred to, is a kind of structural representation without card withdraw device that third embodiment of the invention is provided.The present invention
The described device of embodiment can be arranged in various intelligent terminal, specifically, and the terminal can be smart mobile phone, flat board electricity
The terminals with payment processes function such as brain, intelligent wearable device.As shown in figure 4, withdrawing the money without card in the embodiment of the present invention fills
Put including：
Receiver module 401, for receiving the read requests that self-service equipment sends, the read requests are used for asking to reply using
Family information.
Acquisition module 402, for responding the read requests, obtains user profile.
It should be noted that the user profile can include digital certificate information and card image, wherein, digital certificate is deposited
It is stored in the security module of terminal, when mobile terminal receives the read requests that self-service equipment sends, then reads security module
In digital certificate in information.Card image can include that user account, user cipher etc. are stored in the letter in bank's card
Breath, the card image can be manually entered by user, it is also possible to prestored by security module, when receiver module receives this certainly
During the read requests for helping equipment to send, then read the card image.
Sending module 403, for sending response message to the self-service equipment, the response message includes user profile.
Wherein, the receiver module 401, is additionally operable to receive the checking that the self-service equipment is returned according to the response message
Information.
Security module 404, for digital certificate and signature key, and is believed to the checking based on the signature key
After breath is signed, signature verification information is obtained.
Wherein, sending module 403, are additionally operable to for request number and signature verification information to be sent to the self-service equipment, with
It is easy to complete to withdraw the money.
Optionally, described device also includes: display module 405, for showing user circle who connects with Possum Face; Wherein, the receiver module 401, is additionally operable to receive the authentication information being input in the user interface, the authentication information Including fingerprint, password, gesture, one or more of password; Link block 406, with institute if for the authentication information effectively State self-service equipment and set up connection.
Optionally, the link block 406, specifically for adopting close range wireless communication NFC's with the self-service equipment
Mode sets up connection, or is set up by the way of scanning figure shape code with the self-service equipment and be connected.
As can be seen that in embodiment of the present invention technical scheme, being set up with self-service equipment by link block first and being connected, connect
The read requests that receiver module receives self-service equipment, then acquisition module responds the request, obtain user profile, by transmission mould
Block sends the response message for including user profile to the self-service equipment, and further, the receiver module receives the self-service equipment and returns
The checking information that returns, after the security module is signed to the checking information based on signature key, obtains signature verification information, and
Request number and the signature verification information are sent to the self-service equipment by sending module, it can be ensured that the true of operation of withdrawing the money
Property, integrity, while reduce the operating procedure of withdrawal, improve the safety that withdraws the money without card, intelligence of the satisfaction to information security
Change demand.
Fig. 5 is referred to, is a kind of structural representation without card withdraw device that fourth embodiment of the invention is provided, of the invention
The described device of embodiment can be arranged in various high-precision electromechanical integration terminals, and specifically, the terminal can be
The terminals with payment processes function such as self-service ATM ATM, automatic cash dispenser CDM.As shown in figure 5, in the embodiment of the present invention
Include without card withdraw device：
Acquisition module 504, for obtaining the response message of mobile terminal, the response message includes user profile.
Communication module 501, is identified for sending the response message to server, if receiving the server
For the checking information of the response message, then the checking information is forwarded to the mobile terminal.
The communication module 501, is additionally operable to receive the request number of the mobile terminal and the checking information is carried out
The signature verification information of signature.
Generation module 502, includes the withdrawal request for asking number and signature verification information for generating.
The communication module 501, is additionally operable to send the withdrawal request to the server.
Processing module 503, if for the confirmation message for receiving the server, the self-service equipment is asked according to described
Number is asked to carry out withdrawal process.
Optionally, described device also includes：Link block 506, for logical using near radio with the mobile terminal
The mode of news NFC sets up connection, or is set up by the way of scanning figure shape code with the mobile terminal and be connected.
Optionally, described device also includes photographing module 505, for reading the graphic code shown on mobile terminal；Described
Link block 506, is connected for being set up by the way of scanning figure shape code with the mobile terminal, specifically for according to shooting mould
The graphic code shown on the mobile terminal that block reads, generates communication connection information, or shows graphic code on display interface, receives
The communication connection information returned after graphic code described in the mobile scanning terminal；According to the communication connection information and the movement
Terminal sets up connection.
As can be seen that in embodiment of the present invention technical scheme, being set up with mobile terminal by link block first and being connected, obtained
Delivery block gets response message of the mobile terminal comprising user profile, and the message is forwarded to server by communication module then
Be identified, if communication module receives the checking information of server, the checking information is forwarded to the mobile terminal, and forwarded
The signature verification information of the mobile terminal and request number are processed to server, it can be ensured that the verity of operation of withdrawing the money,
Integrity, while reducing the operating procedure of withdrawal, improves the safety that withdraws the money without card, meets the intelligent need to information security
Ask.
Refer to Fig. 6, be fifth embodiment of the invention provide a kind of structural representation without card withdraw device, the dress
It can be the terminals with payment processes function such as smart mobile phone, panel computer, intelligent wearable device to put.As shown in fig. 6, this
Including without card withdraw device in bright embodiment：At least one user interface 601；At least one processor 602, such as CPU；Extremely
A few memorizer 603；At least one outut device 604, above-mentioned user interface 601, processor 602, memorizer 603 and output
Equipment 604 is connected by bus.Wherein, bus is used for realizing the connection communication between these components.Wherein, the embodiment of the present invention
The user interface 601 of middle device and outut device 604 can be wired sending ports, or wireless device, for example include
Antenna assembly, for carrying out the communication of signaling or data with other node devices.
The processor 602 can be central processing unit (central processing unit, CPU), network processing unit
(network processor, NP) or the combination of CPU and NP.
The processor 602 can further include hardware chip.Above-mentioned hardware chip can be special IC
(application-specific integrated circuit, ASIC), PLD (programmable
Logic device, PLD) or its combination.Above-mentioned PLD can be CPLD (complex
Programmable logic device, CPLD), field programmable gate array (field-programmable gate
Array, FPGA), GAL (generic array logic, GAL) or its combination in any.
The memorizer 603 can include volatile memory (volatile memory), such as random access memory
(random-access memory, RAM)；Memorizer can also include nonvolatile memory (non-volatile
Memory), such as flash memory (flash memory), hard disk (hard disk drive, HDD) or solid state hard disc
(solid-state drive, SSD)；Memorizer 603 can also include the combination of the memorizer of mentioned kind.
Alternatively, the memorizer 603 is additionally operable to storage program instruction.The processor 602 can call the memorizer 603 to deposit
The programmed instruction of storage, realize as shown in the application first embodiment, 3rd embodiment without card withdrawal method.
The user interface 601, for receiving the read requests that self-service equipment sends, the read requests are described for asking
Mobile terminal replys user profile.
The processor 602, for responding the read requests.
The user interface 601, for obtaining user profile.
The outut device 604, for sending response message to the self-service equipment, the response message includes that user believes
Breath.
The user interface 601, is additionally operable to receive the checking information that the self-service equipment is returned according to the response message.
The processor 602, after being additionally operable to sign the checking information based on signature key, obtains signature verification letter
Breath.
The outut device 604, is additionally operable to for request number and signature verification information to be sent to the self-service equipment, in order to
Complete to withdraw the money.
Optionally, before the user interface 601 receives the read requests that self-service equipment sends, also include：Processor 602
Showing, the user interface being connected is set up with self-service equipment；User interface 601 receives the authentication letter being input in the user interface
Breath, the authentication information include fingerprint, password, gesture, one or more of password；If the authentication information effectively, is processed
Device 602 is set up with the self-service equipment and is connected.
Optionally, the processor is set up with the self-service equipment and is connected, including：With the self-service equipment using closely
The mode of wireless telecommunications NFC sets up connection, or is set up by the way of scanning figure shape code with the self-service equipment and be connected.
As can be seen that in embodiment of the present invention technical scheme, being set up with self-service equipment by processor first and being connected, then
User interface receives the read requests of self-service equipment, and then the processor response request, obtains user profile by user interface, by
Outut device sends the response message for including user profile to the self-service equipment, and further, it is self-service that the user equipment receives this
The checking information that equipment is returned, after processor is signed to the checking information based on signature key, obtains signature verification information,
And request number and the signature verification information are sent to the self-service equipment by outut device, it can be ensured that the true of operation of withdrawing the money
Property, integrity, while reduce the operating procedure of withdrawal, improve the safety that withdraws the money without card, intelligence of the satisfaction to information security
Change demand.
Refer to Fig. 7, be sixth embodiment of the invention provide a kind of structural representation without card withdraw device, the dress
It can be the high-precision electromechanical integration end with payment processes function such as self-service ATM ATM, automatic cash dispenser CDM to put
End.As shown in fig. 7, including without card withdraw device in the embodiment of the present invention：At least one network interface 701；At at least one
Reason device 702, such as CPU；At least one memorizer 703；At least one outut device 704, above-mentioned network interface 701, processor
702nd, memorizer 703 and outut device 704 can be connected by bus.Wherein, bus is used for realizing the company between these components
Connect letter.Wherein, in the embodiment of the present invention, the network interface 701 of device and outut device 704 can be wired sending ports,
Can be wireless device, for example, include antenna assembly, for the communication of signaling or data is carried out with other node devices.
The processor 702 can be central processing unit (central processing unit, CPU), network processing unit
(network processor, NP) or the combination of CPU and NP.
The processor 702 can further include hardware chip.Above-mentioned hardware chip can be special IC
(application-specific integrated circuit, ASIC), PLD (programmable
Logic device, PLD) or its combination.Above-mentioned PLD can be CPLD (complex
Programmable logic device, CPLD), GAL (generic array logic, GAL) or which is any
Combination.
The memorizer 703 can include volatile memory (volatile memory), such as random access memory
(random-access memory, RAM)；Memorizer can also include nonvolatile memory (non-volatile
Memory), such as flash memory (flash memory), hard disk (hard disk drive, HDD) or solid state hard disc
(solid-state drive, SSD)；Memorizer 703 can also include the combination of the memorizer of mentioned kind.
Alternatively, the memorizer 703 is additionally operable to storage program instruction.The processor 702 can call the memorizer 703 to deposit
The programmed instruction of storage, realize as shown in the application second embodiment, fourth embodiment without card withdrawal method.
Network interface 701, for obtaining the response message of mobile terminal, the response message includes user profile.
Outut device 704, is identified for sending the response message to server.If if network interface 701 connects Receive the authorization information of described server for described response message, described authorization information is forwarded to institute by output equipment 704 State mobile terminal;
This network interface 701, also the signature verification information for receiving the request number of described mobile terminal and described authorization information being signed.
Processor 702, for generating the request of withdrawing the money that comprises request number and signature verification information.
Output equipment 704, is also sent to described server for the request of withdrawing the money described in general.
This processor 702, if receive the confirmation message of described server, according to the processing of withdrawing the money of described request number for network interface 701.
Optionally, before this network interface obtains the response message of mobile terminal, also comprise: processor and described mobile terminal adopt the mode of close range wireless communication NFC to connect, or the mode of processor and described mobile terminal employing scintigram shape code connects.
Optionally, processor and described mobile terminal adopt the mode of scintigram shape code to connect, and specifically comprise: call Photographing module reads the graphic code showing on mobile terminal, generates communication connection information, or display graphics code, receives described movement The communication connection information of returning after graphic code described in terminal scanning; Set up according to described communication connection information and described mobile terminal Connect.
Can find out, in embodiment of the present invention technical scheme, first connect by processor and mobile terminal, network interface gets the response message that mobile terminal comprises user profile, then by output equipment, this message being forwarded to server enters row identification, if network interface receives the authorization information of server, forward this authorization information to this mobile terminal, and forwarding should the signature verification information of mobile terminal and request number to server are processed, can guarantee the authenticity of withdrawing the money and operating, complete whole property, reduced the operating procedure of withdrawing the money simultaneously, improve the security of withdrawing the money without card, meet the intelligent need to information security ask.
Be system embodiment of the present invention below, refer to Fig. 8, be seventh embodiment of the invention provide a kind of without the withdraw the money structural representation of system of card. as shown in Figure 8, in the embodiment of the present invention without the card system of withdrawing the money, comprising: comprising: mobile terminal 801, Possum 802, server 803.
Described Possum 802, for sending read requests to described mobile terminal, described read requests is used for asking described mobile terminal to reply user profile.
Described mobile terminal 801, for receiving and responding described read requests, obtains user profile, and sends response message to described Possum, and described response message comprises user profile.
Described Possum 802, also for receiving described response message, and is sent to server by described response message.
Described server 803, for described response message is identified, if recognition result is that described response message is effective, sends the extremely described Possum of authorization information for described response message.
Described Possum 802, also for being forwarded to described mobile terminal by described authorization information.
Described mobile terminal 801, also for receiving described authorization information, after described authorization information being signed based on signature key, obtains signature verification information, and request number and described signature verification information is sent to described Possum.
Described Possum 802, also, for generating the request of withdrawing the money that comprises request number and signature verification information, described in inciting somebody to action, the request of withdrawing the money is sent to described server.
Described server 803, also whether effective for the request of withdrawing the money described in the requests verification of withdrawing the money described in basis, if effectively, send and confirm message to described Possum.
Described Possum 802, also for the processing of withdrawing the money according to described request number.
In some feasible embodiments, as shown in Figure 3, show user, Possum, server, mobile terminal information interactive process. at step S1, user opens the application of bank service, enter the interface of this bank service application, select step S2, enter without the card service of withdrawing the money, then this mobile terminal and Possum connect, the concurrent row of sending to is without blocking the behaviour that withdraws the money this Possum is given in the instruction of doing, Possum carries out step S3 for this instruction, send the response message that obtains user profile give this mobile terminal, mobile terminal can find user profile in preset chip, then carry out step S4, this is comprised the response message of user profile sends to this Possum, Possum carries out step S5 again, forward this response message to service device is identified.
If server recognizes that the response message effectively, carries out step S6, checking message is sent to self-service equipment, by self-service
The checking information is transmitted to mobile device by equipment execution step S7, and the mobile device needs execution step S8, based on personal private
Key is signed to the checking message and is sent signature verification information and executed step on mobile terminals to self-service equipment, then by user
Rapid S9, is input into withdraw funds, executes S10 by mobile terminal, withdraw funds and signature verification message are issued the self-service equipment, so
Whether effectively the signature verification information and withdraw funds is recognized by server afterwards, if it is valid, the server self-service is set to this
Standby carry out step S11：Authorizing, ordering self-service equipment execution step S12, note output step is completed according to withdraw funds, user is
Can extract cash.
One of ordinary skill in the art will appreciate that realize all or part of flow process in above-described embodiment method, being can be with
Instruct related hardware to complete by computer program, described program can be stored in computer read/write memory medium
In, the program is upon execution, it may include such as the flow process of the embodiment of above-mentioned each method.Wherein, described storage medium can be magnetic
Dish, CD, read-only memory (Read-Only Memory, ROM) or random access memory (Random Access
Memory, RAM) etc..
Above disclosed is only a kind of preferred embodiment of the invention, can not limit certainly the power of the present invention with this
Sharp scope, one of ordinary skill in the art will appreciate that all or part of flow process of above-described embodiment is realized, and according to present invention power
Profit requires made equivalent variations, still falls within the covered scope of invention.
Claims (13)
1. a kind of without card withdraw the money method, it is characterised in that include：
Mobile terminal receives the read requests that self-service equipment sends, and the read requests are used for asking the mobile terminal to reply use
Family information；
The mobile terminal responds the read requests, obtains user profile, and sends response message, institute to the self-service equipment
Stating response message includes user profile；
The mobile terminal receives the checking information that the self-service equipment is returned according to the response message, and is based on signature key
After signing to the checking information, signature verification information is obtained；
The mobile terminal will ask number and the signature verification information to be sent to the self-service equipment, in order to complete to take
Money.
2. the method for claim 1, it is characterised in that the mobile terminal receives the read requests that self-service equipment sends
Before, also include：
Showing, the user interface being connected is set up with self-service equipment；
The authentication information being input in the user interface is received, the authentication information includes fingerprint, password, gesture, password
One or more；
If the authentication information is effectively, the mobile terminal is set up with the self-service equipment and is connected.
3. method as claimed in claim 2, it is characterised in that the mobile terminal is set up with the self-service equipment and be connected, bag
Include：
The mobile terminal is set up by the way of close range wireless communication NFC with the self-service equipment and is connected, or the shifting
Dynamic terminal is set up by the way of scanning figure shape code with the self-service equipment and is connected.
4. a kind of without card withdraw the money method, it is characterised in that include：
Self-service equipment obtains the response message of mobile terminal, and the response message includes user profile；
The self-service equipment sends the response message to server and is identified, if receiving the server for described
The checking information of response message, then be forwarded to the mobile terminal by the checking information；
The self-service equipment receives the request number of the mobile terminal and the signature verification signed by the checking information
Information, and the withdrawal request including asking number and signature verification information is generated, the withdrawal request is sent to the service
Device；
If receiving the confirmation message of the server, the self-service equipment carries out withdrawal process according to the request number.
5. method as claimed in claim 4, it is characterised in that the self-service equipment obtain mobile terminal response message it
Before, also include：
The self-service equipment is set up by the way of close range wireless communication NFC with the mobile terminal and is connected, or described from
Help equipment to set up by the way of scanning figure shape code with the mobile terminal to be connected.
6. method as stated in claim 5, it is characterised in that the self-service equipment adopts scanning patter with the mobile terminal
The mode of code sets up connection, specifically includes：
The self-service equipment calls photographing module to read the graphic code shown on mobile terminal, generates communication connection information, or
Show graphic code on the display interface of the self-service equipment, return after receiving graphic code described in the mobile scanning terminal
Communication connection information；
The self-service equipment is set up with the mobile terminal according to the communication connection information and is connected.
7. a kind of without card withdraw the money device, it is characterised in that include：
Receiver module, for receiving the read requests that self-service equipment sends, the read requests are used for asking to reply user profile；
Acquisition module, for responding the read requests, obtains user profile；
Sending module, for sending response message to the self-service equipment, the response message includes user profile；
The receiver module, is additionally operable to receive the checking information that the self-service equipment is returned according to the response message；
Security module, for digital certificate and signature key, and is carried out to the checking information based on the signature key
After signature, signature verification information is obtained；
The sending module, is additionally operable to for request number and the signature verification information to be sent to the self-service equipment, in order to
Complete to withdraw the money.
8. device as claimed in claim 7, it is characterised in that also include：
Display module, for showing the user interface connecting with Possum;
Wherein, the receiver module, is additionally operable to receive the authentication information being input in the user interface, the authentication information bag
Include fingerprint, password, gesture, one or more of password；
Link block, is set up with the self-service equipment and is connected if for the authentication information effectively.
9. device as claimed in claim 7, it is characterised in that
The link block, is connected specifically for being set up by the way of close range wireless communication NFC with the self-service equipment, or
Person is set up by the way of scanning figure shape code with the self-service equipment and is connected.
10. a kind of without card withdraw the money device, it is characterised in that include：
Acquisition module, for obtaining the response message of mobile terminal, the response message includes user profile；
Communication module, is identified for sending the response message to server, if receiving the server for institute State the authorization information of response message, described authorization information is forwarded to described mobile terminal;
The communication module, is additionally operable to receive the request number of the mobile terminal and the label for being encrypted the checking information
Name checking information；
Generation module, includes the withdrawal request for asking number and signature verification information for generating；
The communication module, is additionally operable to send the withdrawal request to the server；
Processing module, if for the confirmation message for receiving the server, the self-service equipment is according to the request number
Carry out withdrawal process.
11. devices as claimed in claim 10, it is characterised in that also include：
Link block, is connected for being set up by the way of close range wireless communication NFC with the mobile terminal, or with described
Mobile terminal sets up connection by the way of scanning figure shape code.
12. devices as shown in claim 11, it is characterised in that also include：
Photographing module, for reading the graphic code showing on mobile terminal;
The link block, is connected for being set up by the way of scanning figure shape code with the mobile terminal, specifically for basis
The graphic code shown on the mobile terminal that photographing module reads, generates communication connection information, or
Show graphic code on display interface, the communication connection letter returned after receiving graphic code described in the mobile scanning terminal
Breath；
Set up with the mobile terminal according to the communication connection information and be connected.
13. a kind of systems for withdrawing the money without card, it is characterised in that include：Mobile terminal, self-service equipment, server；
The self-service equipment, for sending read requests to the mobile terminal, the read requests are used for asking the movement
Terminal replies user profile；
The mobile terminal, for receiving and responding the read requests, obtains user profile, and sends to the self-service equipment
Response message, the response message include user profile；
The self-service equipment, is additionally operable to receive the response message, and the response message is sent to server；
The server, for being identified to the response message, if recognition result is that the response message is effective, sends
Checking information for the response message is to the self-service equipment；
The self-service equipment, is additionally operable to for the checking information to be forwarded to the mobile terminal；
The mobile terminal, is additionally operable to receive the checking information, after being signed to the checking information based on signature key,
Signature verification information is obtained, and request number and the signature verification information are sent to the self-service equipment；
The self-service equipment, is additionally operable to generate the withdrawal request for including asking number and signature verification information, please by the withdrawal
Transmission is asked to the server；
The server, is additionally operable to verify that whether effectively the withdrawal request, if effectively, sends really according to the withdrawal request
Message is recognized to the self-service equipment；
The self-service equipment, is additionally operable to carry out withdrawal process according to the request number.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610969892.5A CN106506496A (en) | 2016-10-27 | 2016-10-27 | A kind of methods, devices and systems that withdraws the money without card |
| PCT/CN2016/107836 WO2018076443A1 (en) | 2016-10-27 | 2016-11-30 | Method, apparatus and system for cardless withdrawal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610969892.5A CN106506496A (en) | 2016-10-27 | 2016-10-27 | A kind of methods, devices and systems that withdraws the money without card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106506496A true CN106506496A (en) | 2017-03-15 |
Family
ID=58320889
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610969892.5A Pending CN106506496A (en) | 2016-10-27 | 2016-10-27 | A kind of methods, devices and systems that withdraws the money without card |
Country Status (2)
| Country | Link |
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| CN (1) | CN106506496A (en) |
| WO (1) | WO2018076443A1 (en) |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108053220A (en) * | 2018-01-11 | 2018-05-18 | 平安科技（深圳）有限公司 | A kind of guard method, equipment and storage medium withdrawn the money without card |
| CN108053220B (en) * | 2018-01-11 | 2019-07-02 | 平安科技（深圳）有限公司 | A kind of guard method, equipment and storage medium withdrawn the money without card |
| 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 |
| CN108877098A (en) * | 2018-05-04 | 2018-11-23 | 平安科技（深圳）有限公司 | Without card withdrawal method and device, system, storage medium and electronic equipment |
| CN108877098B (en) * | 2018-05-04 | 2021-07-27 | 平安科技（深圳）有限公司 | Cardless withdrawal method, device, system, storage medium and electronic equipment |
| CN111985913A (en) * | 2019-05-24 | 2020-11-24 | 上海箩箕技术有限公司 | Card-free transaction method and device and server |
| CN114842595A (en) * | 2022-05-11 | 2022-08-02 | 中国银行股份有限公司 | Withdrawal method, related device and computer storage medium |
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| Publication number | Publication date |
|---|---|
| WO2018076443A1 (en) | 2018-05-03 |
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