CN106855977A - A kind of ATM withdrawals method, ATM terminals, bank backstage and mobile terminal - Google Patents
A kind of ATM withdrawals method, ATM terminals, bank backstage and mobile terminal Download PDFInfo
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- CN106855977A CN106855977A CN201611075198.5A CN201611075198A CN106855977A CN 106855977 A CN106855977 A CN 106855977A CN 201611075198 A CN201611075198 A CN 201611075198A CN 106855977 A CN106855977 A CN 106855977A
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- mobile terminal
- verification information
- transaction
- transaction verification
- atm
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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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 relates to financial payment field, more particularly to a kind of ATM withdrawals method, ATM terminals, bank backstage and mobile terminal, including：The transmission of transaction request information is transferred to mobile terminal from ATM terminals, so that user can send transaction request information by mobile terminal when waiting in line to bank backstage, and receive a transaction verification information of bank's backstage feedback, when user can operate in ATM terminals, read the transaction verification information in mobile terminal and sent to bank backstage by ATM terminals and verified, the withdraw funds that bank backstage sends are received after being verified, the withdraw funds are identical with the withdraw funds in the transaction request information that mobile terminal is submitted to, so that ATM terminals can tell paper money based on the withdraw funds, reduce operation duration of each user in ATM terminals, and because the transmission of transaction request information has been transferred to mobile terminal, alleviate the system burden of ATM terminals.
Description
Technical field
The present invention relates to financial payment field, more particularly to a kind of ATM withdrawals method, ATM terminals, bank backstage and movement
Terminal.
Background technology
At present, ATM (Automatic Teller Machine, ATM) terminal of domestic many banks is supported
Apple Pay withdrawal modes, substantially withdrawal flow is as follows：
Step 1, the selection Apple Pay withdrawal options in ATM terminals, ATM terminals can be pointed out please to be placed on mobile terminal
Until Card Reader terminates in card reader；
Step 2, user will bind the card reader of the mobile terminal near ATM terminals of Apple Pay；
After step 3, the success of ATM terminal recognitions, user carries out normal tradition withdrawal operation in ATM terminals, that is, be input into
Withdraw funds, are then input into withdrawal password；
Step 4, ATM tell paper money.
When being withdrawn the money using above-mentioned Apple Pay withdrawal modes, using NFC (Near Field Communication,
Wireless near field communication) interaction that technology is realized between ATM terminals and mobile terminal, transmit Token to ATM terminals, Jin Erdai
For entity bank card.Which substantially, solve only user and carry the inconvenient problem of entity bank card, but fundamentally
Or it is similar with traditional bank card ATM withdrawal flows, the time that holder rests on ATM terminal operations is not reduced,
The system burden of ATM terminals is not mitigated.
The content of the invention
The present invention provides a kind of ATM withdrawals method, ATM terminals, bank backstage and mobile terminal, is used to reduce holder and stops
Stay in the ATM terminal operation times and mitigate the system burden of ATM terminals.
In a first aspect, the embodiment of the present invention provides a kind of ATM methods, including：
ATM terminals obtain the transaction verification information in mobile terminal, and the transaction verification information is received by bank backstage
Transaction request information that the mobile terminal sends and generate and send after being proved to be successful to the transaction request information to described
Mobile terminal, comprises at least withdraw funds and bank card number in the transaction request information；
The ATM terminals send to the bank backstage transaction verification information, make the bank backstage to institute
State and the corresponding withdraw funds of the transaction verification information are determined after transaction verification information is proved to be successful；
The ATM terminals are proved to be successful message receive that the bank backstage sends comprising the withdraw funds
Afterwards, paper money is told according to the withdraw funds.
Alternatively, the transaction verification information includes occasional trade token；The ATM terminals obtain the friendship in mobile terminal
Easy checking information, including：
The ATM terminals send transaction token and read by wireless near field communication NFC reader to the mobile terminal
Order, makes the mobile terminal be obtained from the memory of the mobile terminal by the NFC controller in the mobile terminal
The occasional trade token；
The ATM terminals receive the occasional trade token that the mobile terminal sends by the NFC reader.
Alternatively, the transaction verification information also includes quick withdrawal code；The ATM terminals receive the mobile terminal hair
After the occasional trade token for sending, also include：
The ATM terminals obtain the described quick withdrawal code of user input by ATM interface prompt user inputs.
Second aspect, the embodiment of the present invention provides a kind of ATM methods, including：
After bank backstage is verified to the transaction request information that the mobile terminal for receiving sends, to the movement
Terminal sends transaction verification information, and withdraw funds and bank card number are comprised at least in the transaction request information；
After the bank backstage is proved to be successful to the transaction verification information that the ATM terminals for receiving send, institute is obtained
The corresponding withdraw funds of transaction verification information are stated, the transaction verification information is the ATM terminals from the mobile terminal
Middle acquisition；
Be carried on for the withdraw funds to be proved to be successful in message and send to the ATM terminals by the bank backstage, makes institute
State ATM terminals and tell paper money according to the withdraw funds.
Alternatively, the transaction verification information includes occasional trade token；The bank backstage is believed by the transaction verification
Breath is proved to be successful, including：
The bank backstage is if it is determined that the occasional trade token is sent to the mobile terminal with the bank backstage
Occasional trade token is identical, it is determined that the transaction verification information is proved to be successful.
Alternatively, the transaction verification information also includes quick withdrawal code；The bank backstage determines to test the transaction
Before card Information Authentication success, also include：
The bank backstage determines that the quick withdrawal code is sent to the quick of the mobile terminal with the bank backstage
Withdrawal code-phase is same.
Alternatively, transaction verification information one out-of-service time of correspondence；
Before the bank backstage determines to be proved to be successful the transaction verification information, also include：
The bank backstage determines the transaction verification information not according to the transaction verification information corresponding out-of-service time
Failure.
The third aspect, the embodiment of the present invention provides a kind of ATM methods, including：
Mobile terminal sends transaction request information to bank backstage, makes the bank backstage to the transaction request information
Transaction verification information is generated after being verified and is sent to the mobile terminal, comprised at least in the transaction request information and withdrawn the money
The amount of money and bank card number；
The mobile terminal sends to ATM terminals the transaction verification information, the ATM terminals is tested the transaction
Card information sends to the bank backstage and is verified, and is receiving that the bank backstage sends comprising the withdraw funds
Be proved to be successful message after, tell paper money according to the withdraw funds.
Alternatively, the transaction verification information includes occasional trade token；The mobile terminal believes the transaction verification
Breath is sent to ATM terminals, including：
The mobile terminal receiving the ATM terminals by after the transaction token reading order that NFC reader sends,
The occasional trade token is obtained from the memory in the mobile terminal by the NFC controller in the mobile terminal；
The mobile terminal sends to the ATM terminals occasional trade token for obtaining, and leads to the ATM terminals
Cross the NFC reader and receive the occasional trade token.
Alternatively, the transaction verification information also includes quick withdrawal code；The quick withdrawal is by the ATM terminals
ATM interface prompt user inputs, and by user input to the ATM terminals.
Alternatively, the mobile terminal sends to ATM terminals the transaction verification information, also includes：
The mobile terminal deletes the transaction verification information in the mobile terminal.
Fourth aspect, the embodiment of the present invention provides a kind of ATM terminals, including：
Acquiring unit, for obtaining the transaction verification information in mobile terminal, the transaction verification information is by bank backstage
Receive the transaction request information of the mobile terminal transmission and generated and sent after being proved to be successful to the transaction request information
To the mobile terminal, withdraw funds and bank card number are comprised at least in the transaction request information；
Transmitting element, for the transaction verification information to be sent to the bank backstage, makes the bank backstage right
The transaction verification information determines the corresponding withdraw funds of the transaction verification information after being proved to be successful；
Control unit, for being proved to be successful message comprising the withdraw funds receive that the bank backstage sends
Afterwards, paper money is told according to the withdraw funds.
Alternatively, the transaction verification information includes occasional trade token；The acquiring unit, specifically for：
Transaction token reading order is sent to the mobile terminal by NFC reader, the mobile terminal is passed through institute
State the NFC controller in mobile terminal and the occasional trade token is obtained from the memory of the mobile terminal；
The occasional trade token that the mobile terminal sends is received by the NFC reader.
Alternatively, the transaction verification information also includes quick withdrawal code；The acquiring unit, is additionally operable to by ATM circle
User input is pointed out in face, and obtains the described quick withdrawal code of user input.
5th aspect, the embodiment of the present invention provides a kind of bank backstage, including：
Transmitting element, after being verified to the transaction request information that the mobile terminal for receiving sends, to institute
State mobile terminal and send transaction verification information, withdraw funds and bank card number are comprised at least in the transaction request information；With
And be carried on to be proved to be successful the withdraw funds obtained by acquiring unit in message and send to the ATM terminals, make institute
State ATM terminals and tell paper money according to the withdraw funds；
Acquiring unit, after being proved to be successful to the transaction verification information that the ATM terminals for receiving send, obtains institute
The corresponding withdraw funds of transaction verification information are stated, the transaction verification information is the ATM terminals from the mobile terminal
Middle acquisition.
Alternatively, the transaction verification information includes occasional trade token；The bank backstage also includes authentication unit, uses
In：
If it is determined that the occasional trade token is sent to the occasional trade token of the mobile terminal with the bank backstage
It is identical, it is determined that the transaction verification information is proved to be successful.
Alternatively, the transaction verification information also includes quick withdrawal code；The authentication unit, is additionally operable to：It is determined that right
Before the transaction verification information is proved to be successful, determine that the quick withdrawal code is sent to the bank backstage described mobile whole
The quick withdrawal code-phase at end is same.
Alternatively, transaction verification information one out-of-service time of correspondence；The authentication unit, is additionally operable to：It is determined that right
Before the transaction verification information is proved to be successful, determine that the transaction is tested according to the transaction verification information corresponding out-of-service time
Card information does not fail.
6th aspect, the embodiment of the present invention provides a kind of mobile terminal, including：
Transmitting element, for sending transaction request information to bank backstage, makes the bank backstage be asked to the transaction
Transaction verification information is generated after asking Information Authentication to pass through and is sent to the mobile terminal, at least wrapped in the transaction request information
Containing withdraw funds and bank card number；And, the transaction verification information is sent to ATM terminals, make the ATM terminals by institute
State transaction verification information and send to the bank backstage and verified, and receiving that the bank backstage sends comprising described
Withdraw funds be proved to be successful message after, tell paper money according to the withdraw funds.
Alternatively, the transaction verification information includes occasional trade token；The transmitting element, specifically for receiving
The ATM terminals by the NFC in the mobile terminal by after the transaction token reading order that NFC reader sends, being controlled
Device obtains the occasional trade token from the memory in the mobile terminal；The occasional trade token that will be obtained sends
To the ATM terminals, the ATM terminals is passed through the NFC reader and receive the occasional trade token.
Alternatively, the transaction verification information also includes quick withdrawal code；The quick withdrawal is by the ATM terminals
ATM interface prompt user inputs, and by user input to the ATM terminals.
Alternatively, the mobile terminal also includes deleting unit, is used for：The transaction verification information was sent to ATM ends
After end, the transaction verification information in the mobile terminal is deleted.
The embodiment of the present invention, user can be before operation in ATM terminals (such as when waiting in line), will by mobile terminal
Transaction request information is sent to bank backstage, and transaction request information is verified by bank backstage, and is sent out after being verified
A transaction verification information is sent to mobile terminal, withdraw funds and bank card number are comprised at least in the transaction request information；When
When user can operate in ATM terminals, the transaction verification information in mobile terminal is read by ATM card reader, will by ATM terminals
Transaction verification information is sent to bank backstage and is verified, and the gold of withdrawing the money that bank backstage sends is received after being verified
Volume, the withdraw funds are identical with the withdraw funds in the transaction request information that mobile terminal is submitted to, so that ATM terminals can be based on being somebody's turn to do
Withdraw funds tell paper money.The embodiment of the present invention, mobile terminal is transferred to by the transmission of transaction request information from ATM terminals so that used
Family can be prepared in advance when waiting in line transaction request operation, when ATM terminal operations can be carried out, directly using checking ask
Information realization fast transaction is sought, operation duration of each user in ATM terminals is reduced, thus improves making for ATM terminals
With efficiency, and because the transmission of transaction request information has been transferred to mobile terminal, so as to the system for alleviating ATM terminals is born
Load.
Brief description of the drawings
Technical scheme in order to illustrate more clearly the embodiments of the present invention, below will be to that will make needed for embodiment description
Accompanying drawing is briefly introduced, it should be apparent that, drawings in the following description are only some embodiments of the present invention, for this
For the those of ordinary skill in field, without having to pay creative labor, it can also be obtained according to these accompanying drawings
His accompanying drawing.
Fig. 1 is ATM withdrawals method flow diagram provided in an embodiment of the present invention；
Fig. 2 is that ATM terminals provided in an embodiment of the present invention obtain information of mobile terminal schematic diagram；
Fig. 3 is ATM withdrawals schematic flow sheet provided in an embodiment of the present invention；
Fig. 4 is ATM withdrawals method detail flowchart provided in an embodiment of the present invention；
Fig. 5 is ATM terminal structures schematic diagram provided in an embodiment of the present invention；
Fig. 6 is bank backstage provided in an embodiment of the present invention structural representation；
Fig. 7 is mobile terminal structure schematic diagram provided in an embodiment of the present invention.
Specific embodiment
In order that the object, technical solutions and advantages of the present invention are clearer, below in conjunction with accompanying drawing the present invention is made into
One step ground is described in detail, it is clear that described embodiment is only a part of embodiment of the invention, rather than whole implementation
Example.Based on the embodiment in the present invention, what those of ordinary skill in the art were obtained under the premise of creative work is not made
All other embodiment, belongs to the scope of protection of the invention.
The embodiment of the present invention is described in further detail with reference to Figure of description.
As shown in figure 1, be ATM withdrawals method provided in an embodiment of the present invention, including：
Step 101, mobile terminal send transaction request information to bank backstage.
Step 102, bank backstage are verified to the transaction request information that the mobile terminal for receiving sends, and are verifying
By rear generation transaction verification information.
Step 103, bank backstage send transaction verification information to mobile terminal.
Step 104, ATM terminals obtain the transaction verification information in mobile terminal.
Step 105, ATM terminals send to bank backstage the transaction verification information of acquisition.
After step 106, bank backstage are verified to transaction verification information, withdraw funds are obtained.
Step 107, bank backstage send to ATM terminals and are proved to be successful message comprising withdraw funds.
Step 108, ATM terminals tell paper money according to withdraw funds.
Above-mentioned steps are illustrated below.
In above-mentioned steps 101, mobile terminal sends transaction request information to bank backstage, for example, user can pass through
One application program (APP) of mobile terminal sends transaction request information to bank backstage, specifically, uses the application program
When, it is necessary to entered by the successful account of lawful registration and code entry using one, in the application program, bound one
Or multiple bank card numbers, and these binding procedures be through the legal bind after bank validation, therefore, as user to ATM
When (Automatic Teller Machine, ATM) terminal is withdrawn the money, if above there is many people queuing up, now,
User can log in application program, select the bank card number to be withdrawn the money, then be input into withdrawal password, withdraw funds, and click on
Send, now mobile terminal generates a transaction request information, send to bank backstage, comprised at least in the transaction request information
Withdraw funds, (can also typically be represented, the token is being opened by bank backstage comprising bank card number information with a token
Unique with the bank card number corresponding mark generated during card) and withdrawal password.
In above-mentioned steps 102, bank backstage receives the transaction request information of mobile terminal transmission, the transaction request letter
Withdraw funds and bank card number are comprised at least in breath, bank backstage obtains withdraw funds therein, bank card number, with bank
Whether the information stored in backstage is verified, it is first determined have the bank card number, if so, then further determining that withdraw funds
Whether it is not more than the remaining sum of the bank card, if being not more than, is verified, otherwise, as long as there is a checking not pass through, then verifies
Failure.
Optionally, of course, in another implementation, withdrawal password is also included in the transaction request information, this
The verification step on Shi Yinhang backstages is：Bank backstage obtains the withdraw funds in transaction request information, bank card number and withdrawal
Whether the information stored in password, with bank backstage is verified, it is first determined have the bank card number, if so, then further
Confirm whether withdrawal password is correct, if correctly, further confirming that whether withdraw funds are not more than the remaining sum of the bank card, if not
It is more than, then is verified, otherwise, as long as there is a checking not pass through, then authentication failed.
If being verified, one transaction verification information of generation to mobile terminal；If authentication failed, a checking is generated
Failed message is to mobile terminal.
In above-mentioned steps 103, bank backstage sends transaction and tests after being verified to transaction request information, to mobile terminal
Card information；Certainly, if to transaction request information authentication failed, to mobile terminal authentication failed message.
And prompting message is generated in the terminal, to inform that user successfully obtains transaction verification information, or obtains friendship
Easy checking information failure.
Specifically, transaction verification information can be an occasional trade token；Can also be an occasional trade token and
One quick withdrawal code.Occasional trade token is a sightless private mark of user, for example, can be one section of sightless character
Combination of string, numeral or numerical character etc.；Quick withdrawal code can be a numeric string, inside short message or application program
The form of reminder message be presented to user, the quick withdrawal code in ATM terminals withdraw the money by user operation when by ATM
Interface is input into ATM terminals, for being confirmed to transaction by user.
101~step 103 of above-mentioned steps is can be completed during waiting in line by user, and now mobile terminal is successfully obtained
Get transaction verification information.When take turns to user carry out withdraw the money operation when, user can be completed by 104~step 108 of following step
Withdraw the money and operate.It is specifically described below.
In above-mentioned steps 104, ATM terminals obtain the transaction verification information in mobile terminal.
Specifically, it is divided into two kinds of implementations to illustrate.
Occasional trade token is only included in implementation one, transaction verification information
As shown in Fig. 2 for ATM terminals provided in an embodiment of the present invention obtain information of mobile terminal schematic diagram, wherein, ATM
There is a NFC (Near Field Communication, wireless near field communication) card reader in terminal, there is one in mobile terminal
Individual NFC controller and application processor.
When user wants to withdraw the money, by NFC reader of the mobile terminal in ATM terminals, now, ATM terminals pass through
NFC reader sends transaction token reading order to mobile terminal, and mobile terminal is by the NFC controller in mobile terminal from shifting
Occasional trade token is obtained in the memory of dynamic terminal and NFC reader is sent to, ATM terminals are received by NFC reader and moved
The occasional trade token that dynamic terminal sends.
It is achieved thereby that obtaining the occasional trade token in mobile terminal by ATM terminals.
Occasional trade token and code of fast withdrawing the money are included in implementation two, transaction verification information
Under the implementation, ATM terminals are first according to and the identical method of implementation one, facing in acquisition mobile terminal
When transaction token, after ATM terminals successfully obtain occasional trade token, point out user input fast to withdraw the money code on ARM interfaces,
The quick withdrawal code that now user receives before being input on ATM interfaces.
So as to complete that the occasional trade token and code of fast withdrawing the money in mobile terminal are obtained by ATM terminals.
Above two implementation is more similar, and implementation one is advantageous in that flow is simple, ATM terminals only need to from
An occasional trade token is obtained in mobile terminal, is had the disadvantage if user is not desired to continuation and withdraws the money, but imprudence will be mobile whole
The NFC reader of ATM terminals has been pressed close at end, and now due to the verification process without fast withdrawal code, then ATM terminals can directly be entered
Row subsequent operation；And the advantage and disadvantage of implementation two are just the opposite with implementation one, i.e., implementation two is advantageous in that have
One further verification process of quick withdrawal code so that withdrawal process is more secure, shortcoming is then because many one defeated
Enter the process of quick withdrawal code, waste time a little.
Therefore, in practical application, which kind of mode is specifically needed to use, depending on being actually needed.
Additionally, for guarantee information is not leaked, it is preferable that mobile terminal by transaction verification information send to ATM terminals it
Afterwards, further, also include：Mobile terminal deletes the transaction verification information in the mobile terminal.
In above-mentioned steps 105, ATM terminals send to bank backstage the transaction verification information of acquisition.
In above-mentioned steps 106, after bank backstage is verified to transaction verification information, withdraw funds are obtained.
After bank backstage receives transaction verification information, carried out in the memory on bank backstage according to the transaction verification information
Inquire about and verify.Specifically, according to the particular type of transaction verification information, verification mode is as follows：
The transaction verification information on bank backstage is sent to for the implementation one in above-mentioned steps 104, i.e. mobile terminal
In only include occasional trade token, now the verification mode of transaction verification information of the bank backstage to receiving be：Bank backstage
If it is determined that the occasional trade token that ATM terminals are sent to bank backstage is sent to the occasional trade order of mobile terminal with bank backstage
Board is identical, it is determined that transaction verification information is proved to be successful；Otherwise authentication failed.
The transaction verification information on bank backstage is sent to for the implementation two in above-mentioned steps 104, i.e. mobile terminal
In include occasional trade token and quick withdrawal code, the now verification mode of transaction verification information of the bank backstage to receiving
For：Bank backstage is if it is determined that the occasional trade token that ATM terminals are sent to bank backstage is sent to mobile terminal with bank backstage
Occasional trade token it is identical, and determine that the quick withdrawal code that ATM terminals are sent to bank backstage is sent to bank backstage
The quick withdrawal code-phase of mobile terminal is same, it is determined that transaction verification information is proved to be successful；Otherwise authentication failed.
Additionally, in another embodiment, bank backstage after the generation transaction verification information for receiving mobile terminal transmission,
While one transaction verification information of generation, is also set to the transaction verification information out-of-service time, for example, be set to 5 minutes
Failure etc., correspondingly, in the step 106, to ATM terminals send transaction verification information verify the step of in also include
Checking to the out-of-service time, i.e. bank backstage judge that transaction verification information is according to the transaction verification information corresponding out-of-service time
No failure, when only determining not failing, just determines to be proved to be successful transaction verification information.
In above-mentioned steps 107, bank backstage sends to ATM terminals and is proved to be successful message comprising withdraw funds.
After bank backstage is proved to be successful to the transaction verification information that ATM terminals are sent to bank backstage, a bag is sent
Message to ATM terminals is proved to be successful containing withdraw funds, the withdraw funds are after mobile terminal is to bank in above-mentioned steps 101
Withdraw funds in the transaction request information that platform sends.
In above-mentioned steps 108, ATM terminals tell paper money according to withdraw funds.
In this step, if in step 101, mobile terminal includes in being uploaded to the transaction verification information on bank backstage
Withdrawal password, and in a step 102, bank backstage is verified to transaction verification information, then in step 108, ATM terminals are
Being directly based upon withdraw funds carries out telling paper money.
Certainly, if in a step 101, mobile terminal does not include withdrawal in being uploaded to the transaction verification information on bank backstage
Password, then after bank backstage is verified to transaction verification information in a step 102, in step 108, ATM terminals tell paper money it
Before, in addition it is also necessary to user input withdrawal password is pointed out in ATM terminals, and further by bank backstage withdrawal password is tested
Card, after only withdrawal password authentification passes through, ATM terminals just tell paper money based on withdraw funds.
To improve ATM terminal works efficiency, preferred scheme is：Withdraw funds, bank card are included in transaction verification information
Card number and withdrawal password.
Specific ATM withdrawal methods in the embodiment of the present invention are explained with reference to one.It is this with reference to Fig. 3
The ATM withdrawal schematic flow sheets that inventive embodiments are provided, wherein, with transaction verification information comprising occasional trade token and quick
Illustrated as a example by withdrawal code.
Wherein, application processor, NFC controller and temporary memory space, wherein application processor are included in mobile terminal
Execution and control NFC controller for controlling the application program in mobile terminal read temporary memory space and to interim storage
Data are write in space；ATM terminals include NFC reader, display and processor, and NFC reader is used to be connect with mobile terminal
The data (for example reading occasional trade token) read in mobile terminal are touched, display shows for entering row information to ATM interfaces
Show, processor is used to control display to be shown, and control NFC reader carries out digital independent；Card sending mechanism is this
Bank backstage in inventive embodiments, the card sending mechanism is specially the bank card letter in the transaction request information of mobile terminal transmission
Corresponding banking institution is ceased, for example, bank card belongs to the Agricultural Bank of China, then the card sending mechanism is then the Agricultural Bank of China, hair
Transaction token processing unit is included in mechanism for card, quick code processing unit authorizes Service Processing Unit；Accepting institution can be silver
Row card withdraw the money operation accept unit, its can be from card sending mechanism be identical mechanism, or different mechanisms, example
Such as, snapped into using the Agricultural Bank of China for user and withdrawn the money in the ATM terminals of the Industrial and Commercial Bank of China, then accepting institution is Chinese work
Business bank, and card sending mechanism is then the Agricultural Bank of China, is issued comprising ATM transaction handling units and ATM instructions in accepting institution
Unit.
For the embodiment shown in Fig. 3, when user is during waiting in line, can be by the application journey on mobile terminal
Sequence, selects the bank card to be withdrawn the money, is input into withdrawal password and withdraw funds, clicks on and sends, and now generates a transaction request letter
Breath, for example, (token, 123456,1000 yuan), wherein token is bank card number information, and it is specially bank card number only
An one corresponding identification information, is generated by card sending mechanism when card is opened, and 123456 is (certainly actual to send withdrawal password
During be to need encryption), 1000 yuan is withdraw funds (be also need encryption), the transaction request in actual transmission process
Information is sent to card sending mechanism, and card sending mechanism is verified by pickup services processing unit to transaction request information, works as checking
By rear, an occasional trade token is generated by transaction token processing unit, and one is generated by quick code processing unit
, then be carried in transaction verification information for occasional trade token and quick withdrawal code and send to movement eventually by individual quick withdrawal code
End, also, authorize Service Processing Unit to be also set to the transaction verification information one out-of-service time, such as after being set to 5 minutes
Failure；When transaction verification information is received, the application processor control NFC controller in mobile terminal terminal will face mobile terminal
When transaction token store to temporary memory space, application processor can control to show quick withdrawal code, so as to user
Check.
When user waits in line to terminate, when can carry out ATM terminal operations, user is by mobile terminal in ATM terminals
NFC reader, the processor control NFC reader of ATM terminals obtains occasional trade token from mobile terminal, and by controlling
Display processed ATM interface displays " quick withdrawal code please be input into ", after user input fast withdraws the money code, in ATM terminals
The occasional trade token of acquisition and quick withdrawal code are carried in transaction verification information and sent to accepting institution by processor, are accepted
Structure is forwarded to card sending mechanism by the transaction verification information that ATM transaction handling units will be received, and card sending mechanism uses mandate
Service Processing Unit, by calling transaction token processing unit and quick code processing unit respectively to occasional trade token and quick
Withdrawal code is verified, and whether time-out fails using authorizing Service Processing Unit to judge transaction verification information, if card sender
Structure is verified to transaction verification information and determines that transaction verification information has not timed out failure, then obtained by authorizing Service Processing Unit
The withdraw funds in transaction request information are taken, and generation is proved to be successful message comprising withdraw funds, will be proved to be successful message hair
Accepting institution is delivered to, accepting institution instructs the message that is proved to be successful that issuance unit will be received to be forwarded to ATM terminals by ATM,
ATM terminals therefrom extract withdraw funds after receiving and being proved to be successful message, and carry out telling paper money, so as to complete operation of withdrawing the money
Whole process.
The embodiment of the present invention, user can be before operation in ATM terminals (such as when waiting in line), will by mobile terminal
Transaction request information is sent to bank backstage, and transaction request information is verified by bank backstage, and is sent out after being verified
A transaction verification information is sent to mobile terminal, withdraw funds, bank card number are included in the transaction request information；When user can
When being operated in ATM terminals, the transaction verification information in mobile terminal is read by ATM card reader, tested transaction by ATM terminals
Card information is sent to bank backstage and is verified, and the withdraw funds that bank backstage sends are received after being verified, should
Withdraw funds are identical with the withdraw funds in the transaction request information that mobile terminal is submitted to, so that ATM terminals can be based on the withdrawal
The amount of money tells paper money.The embodiment of the present invention, is transferred to mobile terminal so that Yong Hu by the transmission of transaction request information from ATM terminals
The transaction request that can be prepared in advance when waiting in line is operated, and when that can carry out ATM terminal operations, is directly believed using checking request
Breath realizes fast transaction, reduces operation duration of each user in ATM terminals, thus improves using for ATM terminals and imitates
Rate, and because the transmission of transaction request information has been transferred to mobile terminal, so as to alleviate the system burden of ATM terminals.
The detail flowchart to ATM withdrawals method provided in an embodiment of the present invention is explained below, as shown in figure 4, including：
Step 401, mobile terminal send transaction request information to bank backstage.
Step 402, bank backstage are verified to the transaction request information that the mobile terminal for receiving sends, and are verifying
By rear generation transaction verification information, and the out-of-service time that transaction verification information is set.
Step 403, bank backstage send transaction verification information to mobile terminal.
Step 404, ATM terminals obtain the transaction verification information in mobile terminal.
Step 405, mobile terminal delete the transaction verification information in mobile terminal.
Step 406, ATM terminals send to bank backstage the transaction verification information of acquisition.
After step 407, bank backstage are verified to transaction verification information, withdraw funds are obtained.
Step 408, bank backstage send to ATM terminals and are proved to be successful message comprising withdraw funds.
Step 409, ATM terminals tell paper money according to withdraw funds.
The embodiment of the present invention, user can be before operation in ATM terminals (such as when waiting in line), will by mobile terminal
Transaction request information is sent to bank backstage, and transaction request information is verified by bank backstage, and is sent out after being verified
A transaction verification information is sent to mobile terminal, withdraw funds, bank card number are included in the transaction request information；When user can
When being operated in ATM terminals, the transaction verification information in mobile terminal is read by ATM card reader, tested transaction by ATM terminals
Card information is sent to bank backstage and is verified, and the withdraw funds that bank backstage sends are received after being verified, should
Withdraw funds are identical with the withdraw funds in the transaction request information that mobile terminal is submitted to, so that ATM terminals can be based on the withdrawal
The amount of money tells paper money.The embodiment of the present invention, is transferred to mobile terminal so that Yong Hu by the transmission of transaction request information from ATM terminals
The transaction request that can be prepared in advance when waiting in line is operated, and when that can carry out ATM terminal operations, is directly believed using checking request
Breath realizes fast transaction, reduces operation duration of each user in ATM terminals, thus improves using for ATM terminals and imitates
Rate, and because the transmission of transaction request information has been transferred to mobile terminal, so as to alleviate the system burden of ATM terminals.
Based on identical inventive concept, the embodiment of the present invention also provides a kind of ATM terminals, as shown in figure 5, including：
Acquiring unit 501, for obtaining the transaction verification information in mobile terminal, after the transaction verification information is by bank
Generation is concurrent after platform receives the transaction request information of the mobile terminal transmission and the transaction request information is proved to be successful
The mobile terminal is delivered to, the transaction request information comprises at least withdraw funds and bank card number；
Transmitting element 502, for the transaction verification information to be sent to the bank backstage, makes the bank backstage exist
The corresponding withdraw funds of the transaction verification information are determined after being proved to be successful to the transaction verification information；
Control unit 503, for receiving being proved to be successful comprising the withdraw funds that the bank backstage sends
After message, paper money is told according to the withdraw funds.
Alternatively, the transaction verification information includes occasional trade token；The acquiring unit 501, specifically for：
Transaction token reading order is sent to the mobile terminal by NFC reader, the mobile terminal is passed through institute
State the NFC controller in mobile terminal and the occasional trade token is obtained from the memory of the mobile terminal；
The occasional trade token that the mobile terminal sends is received by the NFC reader.
Alternatively, the transaction verification information also includes quick withdrawal code；The acquiring unit 501, is additionally operable to by ATM
Interface prompt user input, and obtain the described quick withdrawal code of user input.
The embodiment of the present invention, user can be before operation in ATM terminals (such as when waiting in line), will by mobile terminal
Transaction request information is sent to bank backstage, and transaction request information is verified by bank backstage, and is sent out after being verified
A transaction verification information is sent to mobile terminal, the transaction request information comprises at least withdraw funds and bank card number；When with
When family can operate in ATM terminals, the transaction verification information in mobile terminal is read by ATM card reader, will be handed over by ATM terminals
Easy checking information is sent to bank backstage to be verified, and the gold of withdrawing the money that bank backstage sends is received after being verified
Volume, the withdraw funds are identical with the withdraw funds in the transaction request information that mobile terminal is submitted to, so that ATM terminals can be based on being somebody's turn to do
Withdraw funds tell paper money.The embodiment of the present invention, mobile terminal is transferred to by the transmission of transaction request information from ATM terminals so that used
Family can be prepared in advance when waiting in line transaction request operation, when ATM terminal operations can be carried out, directly using checking ask
Information realization fast transaction is sought, operation duration of each user in ATM terminals is reduced, thus improves making for ATM terminals
With efficiency, and because the transmission of transaction request information has been transferred to mobile terminal, so as to the system for alleviating ATM terminals is born
Load.
Based on identical inventive concept, the embodiment of the present invention also provides a kind of bank backstage, as shown in fig. 6, including：
Transmitting element 601, after being verified to the transaction request information that the mobile terminal for receiving sends, to
The mobile terminal sends transaction verification information, and the transaction request information comprises at least withdraw funds and bank card number；With
And be carried on to be proved to be successful the withdraw funds obtained by acquiring unit in message and send to the ATM terminals, make institute
State ATM terminals and tell paper money according to the withdraw funds；
Acquiring unit 602, after being proved to be successful to the transaction verification information that the ATM terminals for receiving send, obtains
The corresponding withdraw funds of the transaction verification information are taken, the transaction verification information is the ATM terminals from the movement
Obtained in terminal.
Alternatively, the transaction verification information includes occasional trade token；The bank backstage also includes authentication unit
603, it is used for：
If it is determined that the occasional trade token is sent to the occasional trade token of the mobile terminal with the bank backstage
It is identical, it is determined that the transaction verification information is proved to be successful.
Alternatively, the transaction verification information also includes quick withdrawal code；The authentication unit 603, is additionally operable to：It is determined that
Before being proved to be successful to the transaction verification information, determine that the quick withdrawal code is sent to the movement with the bank backstage
The quick withdrawal code-phase of terminal is same.
Alternatively, transaction verification information one out-of-service time of correspondence；The authentication unit 603, is additionally operable to：It is determined that
Before being proved to be successful to the transaction verification information, the transaction is determined according to the transaction verification information corresponding out-of-service time
Checking information does not fail.
The embodiment of the present invention, user can be before operation in ATM terminals (such as when waiting in line), will by mobile terminal
Transaction request information is sent to bank backstage, and transaction request information is verified by bank backstage, and is sent out after being verified
A transaction verification information is sent to mobile terminal, the transaction request information comprises at least withdraw funds and bank card number；When with
When family can operate in ATM terminals, the transaction verification information in mobile terminal is read by ATM card reader, will be handed over by ATM terminals
Easy checking information is sent to bank backstage to be verified, and the gold of withdrawing the money that bank backstage sends is received after being verified
Volume, the withdraw funds are identical with the withdraw funds in the transaction request information that mobile terminal is submitted to, so that ATM terminals can be based on being somebody's turn to do
Withdraw funds tell paper money.The embodiment of the present invention, mobile terminal is transferred to by the transmission of transaction request information from ATM terminals so that used
Family can be prepared in advance when waiting in line transaction request operation, when ATM terminal operations can be carried out, directly using checking ask
Information realization fast transaction is sought, operation duration of each user in ATM terminals is reduced, thus improves making for ATM terminals
With efficiency, and because the transmission of transaction request information has been transferred to mobile terminal, so as to the system for alleviating ATM terminals is born
Load.
Based on identical inventive concept, the embodiment of the present invention also provides a kind of mobile terminal, as shown in fig. 7, comprises：
Transmitting element 701, for sending transaction request information to bank backstage, makes the bank backstage to the transaction
Solicited message generates transaction verification information and sends to the mobile terminal after being verified, the transaction request information is at least wrapped
Containing withdraw funds and bank card number；And, the transaction verification information is sent to ATM terminals, make the ATM terminals by institute
State transaction verification information and send to the bank backstage and verified, and receiving that the bank backstage sends comprising described
Withdraw funds be proved to be successful message after, tell paper money according to the withdraw funds.
Alternatively, the transaction verification information includes occasional trade token；The transmitting element 701, specifically for connecing
The ATM terminals are received by after the transaction token reading order that NFC reader sends, by the NFC in the mobile terminal
Controller obtains the occasional trade token from the memory in the mobile terminal；The occasional trade token that will be obtained
Send to the ATM terminals, the ATM terminals is passed through the NFC reader and receive the occasional trade token.
Alternatively, the transaction verification information also includes quick withdrawal code；The quick withdrawal is by the ATM terminals
ATM interface prompt user inputs, and by user input to the ATM terminals.
Alternatively, the mobile terminal also includes deleting unit 702, is used for：The transaction verification information is sent to ATM
After terminal, the transaction verification information in the mobile terminal is deleted.
The embodiment of the present invention, user can be before operation in ATM terminals (such as when waiting in line), will by mobile terminal
Transaction request information is sent to bank backstage, and transaction request information is verified by bank backstage, and is sent out after being verified
A transaction verification information is sent to mobile terminal, the transaction request information comprises at least withdraw funds and bank card number；When with
When family can operate in ATM terminals, the transaction verification information in mobile terminal is read by ATM card reader, will be handed over by ATM terminals
Easy checking information is sent to bank backstage to be verified, and the gold of withdrawing the money that bank backstage sends is received after being verified
Volume, the withdraw funds are identical with the withdraw funds in the transaction request information that mobile terminal is submitted to, so that ATM terminals can be based on being somebody's turn to do
Withdraw funds tell paper money.The embodiment of the present invention, mobile terminal is transferred to by the transmission of transaction request information from ATM terminals so that used
Family can be prepared in advance when waiting in line transaction request operation, when ATM terminal operations can be carried out, directly using checking ask
Information realization fast transaction is sought, operation duration of each user in ATM terminals is reduced, thus improves making for ATM terminals
With efficiency, and because the transmission of transaction request information has been transferred to mobile terminal, so as to the system for alleviating ATM terminals is born
Load.
The present invention is the flow with reference to method according to embodiments of the present invention, equipment (system) and computer program product
Figure and/or block diagram are described.It should be understood that every first-class during flow chart and/or block diagram can be realized by computer program instructions
The combination of flow and/or square frame in journey and/or square frame and flow chart and/or block diagram.These computer programs can be provided
The processor of all-purpose computer, special-purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that produced for reality by the instruction of computer or the computing device of other programmable data processing devices
The device of the function of being specified in present one flow of flow chart or multiple one square frame of flow and/or block diagram or multiple square frames.
These computer program instructions may be alternatively stored in can guide computer or other programmable data processing devices with spy
In determining the computer-readable memory that mode works so that instruction of the storage in the computer-readable memory is produced and include finger
Make the manufacture of device, the command device realize in one flow of flow chart or multiple one square frame of flow and/or block diagram or
The function of being specified in multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that in meter
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented treatment, so as in computer or
The instruction performed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in individual square frame or multiple square frames.
, but those skilled in the art once know basic creation although preferred embodiments of the present invention have been described
Property concept, then can make other change and modification to these embodiments.So, appended claims are intended to be construed to include excellent
Select embodiment and fall into having altered and changing for the scope of the invention.
Obviously, those skilled in the art can carry out various changes and modification without deviating from essence of the invention to the present invention
God and scope.So, if these modifications of the invention and modification belong to the scope of the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to comprising these changes and modification.
Claims (22)
1. a kind of ATM withdrawals method, it is characterised in that including：
ATM ATM terminals obtain the transaction verification information in mobile terminal, and the transaction verification information is by bank backstage
Receive the transaction request information of the mobile terminal transmission and generated and sent after being proved to be successful to the transaction request information
To the mobile terminal, withdraw funds and bank card number are comprised at least in the transaction request information；
The ATM terminals send to the bank backstage transaction verification information, make the bank backstage to the friendship
Easy checking information determines the corresponding withdraw funds of the transaction verification information after being proved to be successful；
The ATM terminals receive that the bank backstage sends comprising the withdraw funds be proved to be successful message after, root
Paper money is told according to the withdraw funds.
2. the method for claim 1, it is characterised in that the transaction verification information includes occasional trade token；It is described
ATM terminals obtain the transaction verification information in mobile terminal, including：
The ATM terminals send transaction token reading order by wireless near field communication NFC reader to the mobile terminal,
Make the mobile terminal obtained from the memory of the mobile terminal by the NFC controller in the mobile terminal described in face
When transaction token；
The ATM terminals receive the occasional trade token that the mobile terminal sends by the NFC reader.
3. method as claimed in claim 2, it is characterised in that the transaction verification information also includes quick withdrawal code；It is described
ATM terminals are received after the occasional trade token that the mobile terminal sends, and are also included：
The ATM terminals obtain the described quick withdrawal code of user input by ATM interface prompt user inputs.
4. a kind of ATM withdrawals method, it is characterised in that including：
After bank backstage is verified to the transaction request information that the mobile terminal for receiving sends, to the mobile terminal
Transaction verification information is sent, withdraw funds and bank card number are comprised at least in the transaction request information；
After the bank backstage is proved to be successful to the transaction verification information that the ATM terminals for receiving send, the friendship is obtained
The corresponding withdraw funds of easy checking information, the transaction verification information is that the ATM terminals are obtained from the mobile terminal
Take；
Be carried on for the withdraw funds to be proved to be successful in message and send to the ATM terminals by the bank backstage, makes the ATM
Terminal tells paper money according to the withdraw funds.
5. method as claimed in claim 4, it is characterised in that the transaction verification information includes occasional trade token；It is described
Bank backstage is proved to be successful to the transaction verification information, including：
The bank backstage is if it is determined that the occasional trade token is sent to the interim of the mobile terminal with the bank backstage
Transaction token is identical, it is determined that the transaction verification information is proved to be successful.
6. method as claimed in claim 5, it is characterised in that the transaction verification information also includes quick withdrawal code；It is described
Before bank backstage determines to be proved to be successful the transaction verification information, also include：
The bank backstage determines that the quick withdrawal code is sent to the quick withdrawal of the mobile terminal with the bank backstage
Code-phase is same.
7. the method as described in claim 5 or 6, it is characterised in that transaction verification information one out-of-service time of correspondence；
Before the bank backstage determines to be proved to be successful the transaction verification information, also include：
The bank backstage determines that the transaction verification information does not fail according to the transaction verification information corresponding out-of-service time.
8. a kind of ATM withdrawals method, it is characterised in that including：
Mobile terminal sends transaction request information to bank backstage, the bank backstage is verified to the transaction request information
Generate transaction verification information and send to the mobile terminal by rear, withdraw funds are comprised at least in the transaction request information
And bank card number；
The mobile terminal sends to ATM terminals the transaction verification information, the ATM terminals is believed the transaction verification
Breath sends to the bank backstage and is verified, and is receiving the testing comprising the withdraw funds that the bank backstage sends
After card success message, paper money is told according to the withdraw funds.
9. method as claimed in claim 8, it is characterised in that the transaction verification information includes occasional trade token；It is described
Mobile terminal sends to ATM terminals the transaction verification information, including：
The mobile terminal is receiving the ATM terminals by after the transaction token reading order that NFC reader sends, passing through
NFC controller in the mobile terminal obtains the occasional trade token from the memory in the mobile terminal；
The mobile terminal sends to the ATM terminals occasional trade token for obtaining, and the ATM terminals is passed through institute
State NFC reader and receive the occasional trade token.
10. method as claimed in claim 9, it is characterised in that the transaction verification information also includes quick withdrawal code；It is described
The quick ATM interface prompt user inputs withdrawn the money by the ATM terminals, and by user input to the ATM terminals.
11. method as any one of claim 8-10, it is characterised in that the mobile terminal is by the transaction verification
Information is sent to ATM terminals, is also included：
The mobile terminal deletes the transaction verification information in the mobile terminal.
A kind of 12. ATM terminals, it is characterised in that including：
Acquiring unit, for obtaining the transaction verification information in mobile terminal, the transaction verification information is received by bank backstage
Generated and sent to institute after being proved to be successful to the transaction request information of mobile terminal transmission and to the transaction request information
Mobile terminal is stated, withdraw funds and bank card number are comprised at least in the transaction request information；
Transmitting element, for the transaction verification information to be sent to the bank backstage, makes the bank backstage to described
Transaction verification information determines the corresponding withdraw funds of the transaction verification information after being proved to be successful；
Control unit, for receive that the bank backstage sends comprising the withdraw funds be proved to be successful message after,
Paper money is told according to the withdraw funds.
13. ATM terminals as claimed in claim 12, it is characterised in that the transaction verification information includes occasional trade token；
The acquiring unit, specifically for：
Transaction token reading order is sent to the mobile terminal by NFC reader, makes the mobile terminal by the shifting
NFC controller in dynamic terminal obtains the occasional trade token from the memory of the mobile terminal；
The occasional trade token that the mobile terminal sends is received by the NFC reader.
14. ATM terminals as claimed in claim 13, it is characterised in that the transaction verification information also includes quick withdrawal code；
The acquiring unit, is additionally operable to by ATM interface prompt user inputs, and obtains the described quick withdrawal code of user input.
A kind of 15. bank backstages, it is characterised in that including：
Transmitting element, after being verified to the transaction request information that the mobile terminal for receiving sends, to the shifting
Dynamic terminal sends transaction verification information, and withdraw funds and bank card number are comprised at least in the transaction request information；And will
The withdraw funds obtained by acquiring unit are carried on to be proved to be successful in message and sent to the ATM terminals, make the ATM
Terminal tells paper money according to the withdraw funds；
Acquiring unit, after being proved to be successful to the transaction verification information that the ATM terminals for receiving send, obtains the friendship
The corresponding withdraw funds of easy checking information, the transaction verification information is that the ATM terminals are obtained from the mobile terminal
Take.
16. bank backstages as claimed in claim 15, it is characterised in that the transaction verification information makes comprising occasional trade
Board；The bank backstage also includes authentication unit, is used for：
If it is determined that the occasional trade token is identical with the occasional trade token that the bank backstage is sent to the mobile terminal,
Then determine to be proved to be successful the transaction verification information.
17. bank backstages as claimed in claim 16, it is characterised in that the transaction verification information also includes quick withdrawal
Code；The authentication unit, is additionally operable to：Before it is determined that being proved to be successful to the transaction verification information, the quick withdrawal is determined
Code is same with the quick withdrawal code-phase that the bank backstage is sent to the mobile terminal.
The 18. bank backstage as described in claim 16 or 17, it is characterised in that described one failure of transaction verification information correspondence
Time；The authentication unit, is additionally operable to：Before it is determined that being proved to be successful to the transaction verification information, tested according to the transaction
The card information corresponding out-of-service time determines that the transaction verification information does not fail.
A kind of 19. mobile terminals, it is characterised in that including：
Transmitting element, for sending transaction request information to bank backstage, makes the bank backstage believe to the transaction request
Breath generates transaction verification information and sends to the mobile terminal after being verified, comprised at least in the transaction request information and taken
The money amount of money and bank card number；And, the transaction verification information is sent to ATM terminals, make the ATM terminals by the friendship
Easy checking information is sent to the bank backstage to be verified, and is receiving that the bank backstage sends comprising the withdrawal
The amount of money be proved to be successful message after, tell paper money according to the withdraw funds.
20. mobile terminals as claimed in claim 19, it is characterised in that the transaction verification information makes comprising occasional trade
Board；The transmitting element, specifically for receiving the transaction token reading life that the ATM terminals are sent by NFC reader
After order, the occasional trade is obtained from the memory in the mobile terminal by the NFC controller in the mobile terminal
Token；The occasional trade token for obtaining is sent to the ATM terminals, the ATM terminals is passed through the NFC reader
Receive the occasional trade token.
21. mobile terminals as claimed in claim 20, it is characterised in that the transaction verification information also includes quick withdrawal
Code；The quick ATM interface prompt user inputs withdrawn the money by the ATM terminals, and by user input to the ATM ends
End.
22. mobile terminal as any one of claim 19-21, it is characterised in that the mobile terminal also includes deleting
Except unit, it is used for：The transaction verification information is sent to ATM terminals, the transaction in the mobile terminal is deleted
Checking information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611075198.5A CN106855977A (en) | 2016-11-29 | 2016-11-29 | A kind of ATM withdrawals method, ATM terminals, bank backstage and mobile terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611075198.5A CN106855977A (en) | 2016-11-29 | 2016-11-29 | A kind of ATM withdrawals method, ATM terminals, bank backstage and mobile terminal |
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| Publication Number | Publication Date |
|---|---|
| CN106855977A true CN106855977A (en) | 2017-06-16 |
Family
ID=59127094
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611075198.5A Pending CN106855977A (en) | 2016-11-29 | 2016-11-29 | A kind of ATM withdrawals method, ATM terminals, bank backstage and mobile terminal |
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| CN (1) | CN106855977A (en) |
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| CN113052680A (en) * | 2021-04-20 | 2021-06-29 | 中国工商银行股份有限公司 | Combined withdrawal method, device and system |
| US11636454B2 (en) * | 2019-04-11 | 2023-04-25 | Ncr Corporation | Methods and systems for routing transactions between automated teller machines, points of sale, financial institutions, and software wallets |
| US11676149B2 (en) | 2019-04-11 | 2023-06-13 | Ncr Corporation | Methods and systems for routing transactions between automated teller machines, points of sale, financial institutions, and software wallets |
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| US11636454B2 (en) * | 2019-04-11 | 2023-04-25 | Ncr Corporation | Methods and systems for routing transactions between automated teller machines, points of sale, financial institutions, and software wallets |
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Application publication date: 20170616 |