CN107393213A - A kind of method withdrawn the money without card - Google Patents
A kind of method withdrawn the money without card Download PDFInfo
- Publication number
- CN107393213A CN107393213A CN201710512621.1A CN201710512621A CN107393213A CN 107393213 A CN107393213 A CN 107393213A CN 201710512621 A CN201710512621 A CN 201710512621A CN 107393213 A CN107393213 A CN 107393213A
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- China
- Prior art keywords
- server
- card
- short message
- message verification
- money
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Classifications
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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
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Software Systems (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention relates to a kind of method withdrawn the money without card, the ATM based on smart mobile phone and with Response Code scan module, including step：S1：Mobile banking's client is logged in by smart mobile phone；S2：Input bank account information and withdraw funds；S3：Server is by the bank account information received compared with the bank account information of user preset；S4：Server sends short message verification code；S5：Short message verification code is inputted by smart mobile phone；S6：Server is by the short message verification code received compared with the short message verification code sent；S7：Server generates withdrawl deposit record information；S8：The withdrawl deposit record information is generated by two-dimension code label by smart mobile phone；S9：ATM scans the two-dimension code label by Response Code scan module；S10：Server instructs after carrying out data processing to corresponding ATM transmission note output；S11：ATM performs note output operation after receiving note output instruction.It can be realized by the method for the present invention and be withdrawn the money without card, convenient operation, and improve security.
Description
Technical field
The present invention relates to bank debits field, more particularly to a kind of method withdrawn the money without card.
Background technology
Current most of operations withdrawn the money on ATM in bank are also to rely on bank card, and user needs first to insert bank
Card, withdrawal password is inputted on ATM, withdrawal operation could be carried out.If bank card is lost or withdrawal password is by criminal
Interception, will be likely to cause any property loss to user, in addition, withdraw the money after forget card taking and by the phenomenon of retain card also when have hair
It is raw, bring great inconvenience to user.Therefore, bank card is relied on merely and withdraw the money serious potential safety hazard be present.
The content of the invention
Based on this, it is an object of the present invention to provide a kind of method withdrawn the money without card, bank card need not be carried during withdrawal,
It can complete to withdraw the money by mobile terminal operation, it is more convenient and safe.
The purpose of the present invention is achieved through the following technical solutions：A kind of method withdrawn the money without card, based on smart mobile phone
With the ATM with Response Code scan module, comprise the following steps：
S1：User logs in Mobile banking's client by smart mobile phone；
S2：User inputs bank account information and withdraw funds, and transmission to server, the bank account information includes
Bank's card number, phone number and withdrawal password with bank's card number binding；
S3：Server by the bank account information received compared with the bank account information of user preset, if unanimously,
Then perform step S4；
S4：Server sends short message verification code to the phone number with the binding of bank card number；
S5：User inputs short message verification code by smart mobile phone, and sends to server；
S6：Server by the short message verification code received with send short message verification code compared with, if unanimously, performing step
Rapid S7；
S7：Server generates withdrawl deposit record information, and sends to smart mobile phone；
S8：The withdrawl deposit record information is generated two-dimension code label by user by smart mobile phone；
S9：ATM scans the two-dimension code label by Response Code scan module, and will scan the two-dimension code label obtained
Information is sent to server；
S10：After server carries out data processing, note output instruction is sent to corresponding ATM；
S11：ATM performs note output operation after receiving note output instruction.
Relative to prior art, the present invention includes the two-dimension code label of withdrawal information by smart mobile phone generation, and passes through
Response Code scan module on ATM scans the two-dimension code label for including withdrawal information, realizes and is withdrawn the money without card, facilitates user to grasp
Make, and pass through bank account information and short message verification code double verification in operating process, improve security.
Further, in step S2, the bank account information also includes user identity card number.
Further, in step S2, the bank account information also includes the safety code of user preset.
Further, in step S3, if bank account information and the bank account information of user preset that server receives are not
Unanimously, then step S2 is returned to.
Further, in step S4, if user did not receive the short message verification code more than 60 seconds, asked by smart mobile phone
Server sends short message verification code again.
Further, in step S4, the short message verification code is 6 random digits.
Further, in step S6, if short message verification code and the short message verification code of transmission that server receives are inconsistent, return
To step S5.
Further, in step S8, two-dimension code label change in every 60 seconds is once.
In order to more fully understand and implement, the invention will now be described in detail with reference to the accompanying drawings.
Brief description of the drawings
Fig. 1 is the flow chart of the method withdrawn the money without card of the present invention.
Embodiment
Referring to Fig. 1, Fig. 1 is the flow chart of the method withdrawn the money without card of the present invention.This is based on intelligence without the method that card is withdrawn the money
Energy mobile phone and the ATM with Response Code scan module, comprise the following steps：
S1：User logs in Mobile banking's client by smart mobile phone.Specifically, user utilizes the intelligent hand carried with
Machine, Mobile banking is logged in by internet.
S2：User inputs bank account information and withdraw funds, and transmission to server, bank account information includes bank
Card number, phone number and withdrawal password with bank's card number binding.Wherein, bank's card number can pass through Mobile banking's client
Account management function prestored, when user need input bank's card number when, can be selected from drop-down menu, and
Bank's card number and one by one numeral input need not be remembered, it is user-friendly.Bank account information can be used for the identity of checking user,
As what is further optimized, bank account information also includes user identity card number, the safety code of user preset.
S3：Server by the bank account information received compared with the bank account information of user preset, if unanimously,
Then perform step S6.Specifically, if the bank account information that server receives is consistent with the bank account information of user preset,
It is proved to be successful, performs next step；If inconsistent, authentication failed returns to step S4, user re-enter bank account information and
Withdraw funds.
S4：Server sends short message verification code to the phone number with the binding of bank card number.Specifically, bank account information
After being proved to be successful, server send short message verification code arrive smart mobile phone, carry out the second re-examination card, short message verification code for 6 with
Machine numeral, if not receiving short message verification code more than 60 seconds, request server is resend.
S5：User inputs short message verification code by smart mobile phone, and sends to server.Specifically, receive server hair
After 6 short message verification codes sent, user inputs 6 short message verification codes by smart mobile phone, and sends to server.
S6：Server by the short message verification code received with send short message verification code compared with, if unanimously, performing step
Rapid S9.Specifically, if the short message verification code that server receives is consistent with the short message verification code sent, it is proved to be successful, under execution
One step；If inconsistent, authentication failed returns to step S7, and user re-enters short message verification code.
S7：Server generates withdrawl deposit record information, and sends to smart mobile phone.Specifically, server is according to smart mobile phone
Bank account information and withdraw funds the generation withdrawl deposit record information of transmission, every withdrawl deposit record information have unique mark
Number.
S8：The withdrawl deposit record information is generated two-dimension code label by user by smart mobile phone.Specifically, Mobile banking is objective
Family end has two-dimension code label systematic function, and the withdrawl deposit record information that server is sent generates two-dimension code label, the two dimension
The change in every 60 seconds of code label once, prevents two-dimension code label from being obtained by criminal's sectional drawing to steal bank account fund.
S9：ATM scans the two-dimension code label by Response Code scan module, and will scan the two-dimension code label obtained
Information is sent to server.Specifically, user sweeps the Quick Response Code that the two-dimension code label generated on smart mobile phone is aligned on ATM
Retouch module, the two-dimension code label generated in the Response Code scan module automatically scanning and identification intelligent mobile phone on ATM, taken
Money record information, and the withdrawl deposit record information is sent to server by bank's Intranet.
S10：After server carries out data processing, note output instruction is sent to corresponding ATM.Specifically, server judges
Whether the two-dimension code label information and the withdrawl deposit record information that is originally generated that ATM scanning obtains are consistent, if unanimously, to corresponding
ATM send note output instruction.
S11：ATM performs note output operation after receiving note output instruction.
Relative to prior art, the present invention includes the two-dimension code label of withdrawal information by smart mobile phone generation, and passes through
Response Code scan module on ATM scans the two-dimension code label for including withdrawal information, realizes and is withdrawn the money without card, facilitates user to grasp
Make, and pass through bank account information and short message verification code double verification in operating process, improve security.
Embodiment described above only expresses one embodiment of the present invention, and its description is more specific and detailed, but simultaneously
Can not therefore it be construed as limiting the scope of the patent.It should be pointed out that come for one of ordinary skill in the art
Say, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the protection of the present invention
Scope.
Claims (8)
- A kind of 1. method withdrawn the money without card, it is characterised in that：ATM based on smart mobile phone and with Response Code scan module, Comprise the following steps：S1：User logs in Mobile banking's client by smart mobile phone；S2：User inputs bank account information and withdraw funds, and transmission to server, the bank account information includes bank Card number, phone number and withdrawal password with bank's card number binding；S3：Server by the bank account information received compared with the bank account information of user preset, if unanimously, holding Row step S4；S4：Server sends short message verification code to the phone number with the binding of bank card number；S5：User inputs short message verification code by smart mobile phone, and sends to server；S6：Server by the short message verification code received with send short message verification code compared with, if unanimously, performing step S7；S7：Server generates withdrawl deposit record information, and sends to smart mobile phone；S8：The withdrawl deposit record information is generated two-dimension code label by user by smart mobile phone；S9：ATM scans the two-dimension code label by Response Code scan module, and will scan the two-dimension code label information obtained Send to server；S10：After server carries out data processing, note output instruction is sent to corresponding ATM；S11：ATM performs note output operation after receiving note output instruction.
- 2. the method according to claim 1 withdrawn the money without card, it is characterised in that：In step S2, the bank account information Also include user identity card number.
- 3. the method according to claim 1 withdrawn the money without card, it is characterised in that：In step S2, the bank account information Also include the safety code of user preset.
- 4. the method according to claim 1 withdrawn the money without card, it is characterised in that：In step S3, if the silver that server receives The bank account information of row accounts information and user preset is inconsistent, then returns to step S2.
- 5. the method according to claim 1 withdrawn the money without card, it is characterised in that：In step S4, if user did not had more than 60 seconds The short message verification code is received, short message verification code is sent by smart mobile phone request server again.
- 6. the method according to claim 1 withdrawn the money without card, it is characterised in that：In step S4, the short message verification code is 6 Position random digit.
- 7. the method according to claim 1 withdrawn the money without card, it is characterised in that：In step S6, if server receive it is short Believe that identifying code and the short message verification code sent are inconsistent, then return to step S5.
- 8. the method according to claim 1 withdrawn the money without card, it is characterised in that：In step S8, the two-dimension code label is every Change in 60 seconds is once.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710512621.1A CN107393213A (en) | 2017-06-29 | 2017-06-29 | A kind of method withdrawn the money without card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710512621.1A CN107393213A (en) | 2017-06-29 | 2017-06-29 | A kind of method withdrawn the money without card |
Publications (1)
| Publication Number | Publication Date |
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| CN107393213A true CN107393213A (en) | 2017-11-24 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201710512621.1A Pending CN107393213A (en) | 2017-06-29 | 2017-06-29 | A kind of method withdrawn the money without card |
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Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108765786A (en) * | 2018-04-03 | 2018-11-06 | 中电金融设备系统（深圳）有限公司 | Quick Response Code withdrawal safe verification method and its system, computer storage media |
| CN109637053A (en) * | 2018-11-08 | 2019-04-16 | 中电金融设备系统（深圳）有限公司 | Server, self-service operation system, method for processing business and readable storage medium storing program for executing |
| 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 |
| 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 |
| CN113096327A (en) * | 2021-03-29 | 2021-07-09 | 中信银行股份有限公司 | Card-free transaction method, card-free transaction device, terminal device, automatic teller machine and medium |
| CN113971553A (en) * | 2021-10-28 | 2022-01-25 | 中国银行股份有限公司 | Remittance method, bank background system and bank client |
| CN114023015A (en) * | 2021-11-04 | 2022-02-08 | 中国银行股份有限公司 | Service processing method, system and device |
| CN114582078A (en) * | 2020-12-01 | 2022-06-03 | 比亚迪股份有限公司 | Self-service deposit and withdrawal method and self-service deposit and withdrawal system |
| CN114978588A (en) * | 2022-04-12 | 2022-08-30 | 湖北华特信息技术有限公司 | Verification method and system based on optical one-way information transmission |
| CN115050147A (en) * | 2022-05-07 | 2022-09-13 | 中国银行股份有限公司 | Service processing method, device and storage medium |
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Cited By (14)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| 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 |
| CN108765786B (en) * | 2018-04-03 | 2020-11-24 | 中电金融设备系统（深圳）有限公司 | Two-dimensional code withdrawal safety verification method and system and computer storage medium |
| CN108765786A (en) * | 2018-04-03 | 2018-11-06 | 中电金融设备系统（深圳）有限公司 | Quick Response Code withdrawal safe verification method and its system, computer storage media |
| CN109637053B (en) * | 2018-11-08 | 2021-03-23 | 中电金融设备系统（深圳）有限公司 | Server, self-service business system, business processing method and readable storage medium |
| CN109637053A (en) * | 2018-11-08 | 2019-04-16 | 中电金融设备系统（深圳）有限公司 | Server, self-service operation system, method for processing business and readable storage medium storing program for executing |
| 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 |
| WO2020237871A1 (en) * | 2019-05-24 | 2020-12-03 | 上海箩箕技术有限公司 | Cardless transaction method, apparatus and server |
| CN114582078A (en) * | 2020-12-01 | 2022-06-03 | 比亚迪股份有限公司 | Self-service deposit and withdrawal method and self-service deposit and withdrawal system |
| CN114582078B (en) * | 2020-12-01 | 2024-04-16 | 比亚迪股份有限公司 | Self-service deposit and withdrawal method and self-service deposit and withdrawal system |
| CN113096327A (en) * | 2021-03-29 | 2021-07-09 | 中信银行股份有限公司 | Card-free transaction method, card-free transaction device, terminal device, automatic teller machine and medium |
| CN113971553A (en) * | 2021-10-28 | 2022-01-25 | 中国银行股份有限公司 | Remittance method, bank background system and bank client |
| CN114023015A (en) * | 2021-11-04 | 2022-02-08 | 中国银行股份有限公司 | Service processing method, system and device |
| CN114978588A (en) * | 2022-04-12 | 2022-08-30 | 湖北华特信息技术有限公司 | Verification method and system based on optical one-way information transmission |
| CN115050147A (en) * | 2022-05-07 | 2022-09-13 | 中国银行股份有限公司 | Service processing method, device and storage medium |
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Application publication date: 20171124 |
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| RJ01 | Rejection of invention patent application after publication |