CN107451809A - A kind of method withdrawn the money without card - Google Patents

A kind of method withdrawn the money without card Download PDF

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Publication number
CN107451809A
CN107451809A CN201710512595.2A CN201710512595A CN107451809A CN 107451809 A CN107451809 A CN 107451809A CN 201710512595 A CN201710512595 A CN 201710512595A CN 107451809 A CN107451809 A CN 107451809A
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CN
China
Prior art keywords
atm
card
short message
server
account information
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201710512595.2A
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Chinese (zh)
Inventor
伍文享
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Taishan Gold Network Technology Co Ltd
Original Assignee
Taishan Gold Network Technology Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Taishan Gold Network Technology Co Ltd filed Critical Taishan Gold Network Technology Co Ltd
Priority to CN201710512595.2A priority Critical patent/CN107451809A/en
Publication of CN107451809A publication Critical patent/CN107451809A/en
Pending legal-status Critical Current

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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
    • G06Q20/30—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
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
    • 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

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (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, based on smart mobile phone and with unique identifying number and with the ATM of Quick Response Code systematic function, including step：S1：Withdraw funds are inputted on ATM；S2：ATM generates two-dimension code label according to withdraw funds and identification number；S3：Mobile banking's client is logged in, scans the two-dimension code label on ATM；S4：Server sends input bank account information instruction；S5：Input bank account information；S6：Server is by the bank account information received compared with the bank account information of user preset；S7：Server sends short message verification code；S8：Input short message verification code；S9：Server is by the short message verification code received compared with the short message verification code sent；S10：Server sends note output instruction to ATM；S11：ATM performs note output operation.The present invention scans the two-dimension code label for including withdrawal Transaction Information of ATM generation by smart mobile phone, realizes and is withdrawn the money without card, convenient operation, improves security.

Description

A kind of method withdrawn the money without card
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 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 with unique identifying number and with the ATM of Quick Response Code systematic function, comprise the following steps：
S1：User inputs withdraw funds on ATM；
S2：ATM generates two-dimension code label according to withdraw funds and identification number；
S3：User logs in Mobile banking's client by smart mobile phone, scans the two-dimension code label on ATM, and send To server；
S4：Server sends input bank account information and instructed to smart mobile phone；
S5：User inputs bank account information by smart mobile phone, and sends to server, the bank account information bag Include bank's card number, phone number and withdrawal password with bank's card number binding；
S6：Server by the bank account information received compared with the bank account information of user preset, if unanimously, Then perform step S7；
S7：Server sends short message verification code to the phone number with the binding of bank card number；
S8：User inputs short message verification code by smart mobile phone, and sends to server；
S9：Server by the short message verification code received with send short message verification code compared with, if unanimously, performing step Rapid S10；
S10：Server sends note output instruction to ATM；
S11：ATM performs note output operation after receiving note output instruction.
Relative to prior art, the present invention scans include withdrawal Transaction Information the two of ATM generation by smart mobile phone Code label is tieed up, realizes and is withdrawn the money without card, it is user-friendly, and pass through bank account information and short message verification code in operating process Double verification, improve security.
Further, in step S2, the effective time of the two-dimension code label is 60 seconds.
Further, in step S4, the bank account information also includes user identity card number.
Further, in step S4, the bank account information also includes the safety code of user preset.
Further, in step S6, if bank account information and the bank account information of user preset that server receives are not Unanimously, then step S5 is returned to.
Further, in step S7, 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 S7, the short message verification code is 6 random digits.
Further, in step S9, if short message verification code and the short message verification code of transmission that server receives are inconsistent, return To step S8.
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 Can mobile phone and with unique identifying number and with the ATM of Quick Response Code systematic function, comprise the following steps：
S1：User inputs withdraw funds on ATM.Merchandised specifically, user selects to withdraw the money on ATM, input takes The money amount of money.Using the smart mobile phone carried with, Mobile banking is logged in by internet.
S2：ATM generates two-dimension code label according to withdraw funds and identification number.Specifically, ATM has unique mark Number, identification number is corresponding with the identity of the ATM, and withdraw funds and identification number information are generated two-dimension code label and shown by ATM At interface, the effective time of the two-dimension code label is 60 seconds.
S3：User logs in Mobile banking's client by smart mobile phone, scans the two-dimension code label on ATM, and send To server.Specifically, Mobile banking's client has two-dimensional code scanning function, when the Quick Response Code mark generated on scanning ATM After label, withdraw funds and ATM information in two-dimension code label can be extracted, and send to server, server and lead to ATM Bank's Intranet connection is crossed, to send instruction.
S4：Server sends input bank account information and instructed to smart mobile phone.Specifically, bank account information is used to test The identity of user is demonstrate,proved, avoids user's Net silver login account and the stolen potential safety hazard for causing bank account capital stolen of password.
S5：User inputs bank account information by smart mobile phone, and sends to server, the bank account information bag Include bank's card number, phone number and withdrawal password with bank's card number binding.Wherein, bank's card number can pass through Mobile banking The account management function of client is prestored, and when user needs to input bank's card number, can be carried out from drop-down menu Selection, it is user-friendly without remembeing bank's card number and one by one numeral input.As what is further optimized, bank account Information also includes user identity card number, the safety code of user preset.
S6：Server by the bank account information received compared with the bank account information of user preset, if unanimously, Then perform step S7.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 S5, and user re-enters bank account information.
S7：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 sends short message verification code to the phone number with the binding of bank card number, carries out the second re-examination card, short Letter identifying code is 6 random digits, if not receiving short message verification code more than 60 seconds, request server is resend.
S8：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.
S9：Server by the short message verification code received with send short message verification code compared with, if unanimously, performing step Rapid S10.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 S8, and user re-enters short message verification code.
S10：Server sends note output instruction to ATM.
S11：ATM performs note output operation after receiving note output instruction.
Relative to prior art, the present invention scans include withdrawal Transaction Information the two of ATM generation by smart mobile phone Code label is tieed up, realizes and is withdrawn the money without card, it is user-friendly, and pass through bank account information and short message verification code in operating process Double verification, 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)

  1. A kind of 1. method withdrawn the money without card, it is characterised in that：Based on smart mobile phone and with unique identifying number and with Quick Response Code The ATM of systematic function, comprises the following steps：
    S1：User inputs withdraw funds on ATM；
    S2：ATM generates two-dimension code label according to withdraw funds and identification number；
    S3：User logs in Mobile banking's client by smart mobile phone, scans the two-dimension code label on ATM, and sends to clothes Business device；
    S4：Server sends input bank account information and instructed to smart mobile phone；
    S5：User inputs bank account information by smart mobile phone, and sends to server, and the bank account information is including silver-colored Row card number, phone number and withdrawal password with bank's card number binding；
    S6：Server by the bank account information received compared with the bank account information of user preset, if unanimously, holding Row step S7；
    S7：Server sends short message verification code to the phone number with the binding of bank card number；
    S8：User inputs short message verification code by smart mobile phone, and sends to server；
    S9：Server by the short message verification code received with send short message verification code compared with, if unanimously, performing step S10；
    S10：Server sends note output instruction to ATM；
    S11：ATM performs note output operation after receiving note output instruction.
  2. 2. the method according to claim 1 withdrawn the money without card, it is characterised in that：In step S2, the two-dimension code label Effective time is 60 seconds.
  3. 3. the method according to claim 1 withdrawn the money without card, it is characterised in that：In step S4, the bank account information Also include user identity card number.
  4. 4. the method according to claim 1 withdrawn the money without card, it is characterised in that：In step S4, the bank account information Also include the safety code of user preset.
  5. 5. the method according to claim 1 withdrawn the money without card, it is characterised in that：In step S6, if the silver that server receives The bank account information of row accounts information and user preset is inconsistent, then returns to step S5.
  6. 6. the method according to claim 1 withdrawn the money without card, it is characterised in that：In step S7, 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.
  7. 7. the method according to claim 1 withdrawn the money without card, it is characterised in that：In step S7, the short message verification code is 6 Position random digit.
  8. 8. the method according to claim 1 withdrawn the money without card, it is characterised in that：In step S9, if server receive it is short Believe that identifying code and the short message verification code sent are inconsistent, then return to step S8.
CN201710512595.2A 2017-06-29 2017-06-29 A kind of method withdrawn the money without card Pending CN107451809A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201710512595.2A CN107451809A (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
CN201710512595.2A CN107451809A (en) 2017-06-29 2017-06-29 A kind of method withdrawn the money without card

Publications (1)

Publication Number Publication Date
CN107451809A true CN107451809A (en) 2017-12-08

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Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108399536A (en) * 2018-02-07 2018-08-14 聚龙股份有限公司 A kind of operating method of internet cash interactive service equipment
TWI671715B (en) * 2018-07-24 2019-09-11 財金資訊股份有限公司 Mobile withdrawal system and method, computer readable recording medium and computer program product
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
CN113470276A (en) * 2021-06-30 2021-10-01 中国银行股份有限公司 Self-service cash recycling machine and cash recycling method thereof
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
CN116258564A (en) * 2023-03-09 2023-06-13 吉林银行股份有限公司 Off-line channel card-free service processing method, system, device and server

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103778728A (en) * 2014-02-23 2014-05-07 王恩惠 Method and system for realizing transaction without bank card through automatic teller machine
CN103942897A (en) * 2014-04-23 2014-07-23 杭州电子科技大学 Method for money withdrawing without card on ATM
CN104599408A (en) * 2014-12-29 2015-05-06 通邮信息技术有限公司 Third-party account ATM (automatic teller machine) withdrawing method and system based on dynamic two-dimension codes
CN105488922A (en) * 2015-12-30 2016-04-13 中国建设银行股份有限公司 Cardless money withdrawing method and related devices and systems

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103778728A (en) * 2014-02-23 2014-05-07 王恩惠 Method and system for realizing transaction without bank card through automatic teller machine
CN103942897A (en) * 2014-04-23 2014-07-23 杭州电子科技大学 Method for money withdrawing without card on ATM
CN104599408A (en) * 2014-12-29 2015-05-06 通邮信息技术有限公司 Third-party account ATM (automatic teller machine) withdrawing method and system based on dynamic two-dimension codes
CN105488922A (en) * 2015-12-30 2016-04-13 中国建设银行股份有限公司 Cardless money withdrawing method and related devices and systems

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108399536A (en) * 2018-02-07 2018-08-14 聚龙股份有限公司 A kind of operating method of internet cash interactive service equipment
TWI671715B (en) * 2018-07-24 2019-09-11 財金資訊股份有限公司 Mobile withdrawal system and method, computer readable recording medium and computer program product
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
CN113470276A (en) * 2021-06-30 2021-10-01 中国银行股份有限公司 Self-service cash recycling machine and cash recycling method thereof
CN116258564A (en) * 2023-03-09 2023-06-13 吉林银行股份有限公司 Off-line channel card-free service processing method, system, device and server

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Application publication date: 20171208

RJ01 Rejection of invention patent application after publication