CN110298984A - A kind of inter-bank based on withdrawal element is without card enchashment processing method and processing device - Google Patents
A kind of inter-bank based on withdrawal element is without card enchashment processing method and processing device Download PDFInfo
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- CN110298984A CN110298984A CN201910603636.8A CN201910603636A CN110298984A CN 110298984 A CN110298984 A CN 110298984A CN 201910603636 A CN201910603636 A CN 201910603636A CN 110298984 A CN110298984 A CN 110298984A
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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
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/203—Dispensing operations within ATMs
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Abstract
The present invention provides a kind of inter-bank based on withdrawal element without card enchashment processing method and processing device, it include: the withdrawal request for receiving intelligent terminal and sending, it include withdrawal element in withdrawal request, withdrawal element includes: ATM machine number, merchant bank's number, withdrawal account account and withdrawal amount；According to withdrawal request, withdrawal verifying is carried out to withdrawal account；If after withdrawal is verified, withdrawal request being forwarded to and receives uniline server, so that receiving uniline server generates bill of credit's information, bill of credit includes dynamic credential and static credentials；It is verified according to the bill of credit for receiving uniline server feedback, and executes button account operation after being verified.Method and apparatus of the inter-bank without card enchashment are realized this application provides a kind of, realize the progress inter-bank withdrawal without bank card, and have been ensured safety and the convenience of payment, bring convenience to user and preferably experienced.
Description
Technical field
This application involves bank's inter-bank withdrawal process fields, in particular, be related to a kind of inter-bank based on withdrawal element without
Card enchashment processing method and processing device.
Background technique
Currently, client has two kinds of main channels of the enchashment of cabinet face and ATM machine enchashment, both channels in the mode of bank's enchashment
Support current row have card enchashment and without card enchashment and he manage it and have card enchashment, but cannot achieve inter-bank without card enchashment at present.
Current row is usually to reserve in Mobile banking without card enchashment, reserves enchashment time and the amount of money, after reserving successfully, user
Input handset number or reservation number, bank's background system inquire reservation information in ATM machine, read withdrawal card number, withdraw the money
The information such as the amount of money, then user identity is verified, such as send short message verification code to remittee, input card number password or carry out biology
It identifies (such as fingerprint recognition, recognition of face), is verified rear ATM machine and spits paper money, user withdraws the money successfully.Due to each bank core system
The framework and data structure of system have differences, and message format, the implementation process disunity that no card is withdrawn the money, reservation information can not be total to
It enjoys, therefore, realizing inter-bank, there are the difficult points that technology is realized without card enchashment.And inter-bank is without card enchashment in identification, information
Difficulty is larger in terms of security control, is easy to cause and the risks such as usurps, falsely uses.
Summary of the invention
This application provides a kind of inter-bank based on withdrawal element without card enchashment processing method and processing device, existing at least to solve
Have and cannot achieve the problem of inter-bank is withdrawn the money without card in technology.
According to the one aspect of the application, a kind of inter-bank based on withdrawal element is provided without card enchashment processing method, packet
Include: receiving the withdrawal request that intelligent terminal is sent, include withdrawal element in withdrawal request, withdrawal element include: ATM machine number,
Merchant bank's number, withdrawal account account and withdrawal amount；According to withdrawal request, withdrawal verifying is carried out to withdrawal account；If
After withdrawal is verified, withdrawal request is forwarded to and receives uniline server, so that receiving uniline server generates bill of credit's information,
Bill of credit includes dynamic credential and static credentials；It is verified, and is being tested according to the bill of credit for receiving uniline server feedback
Card executes button account operation after passing through.
In one embodiment, according to withdrawal request, withdrawal verifying is carried out to withdrawal account, comprising: mention from withdrawal element
Withdrawal account account and withdrawal amount；
Withdrawal account account is verified.
In one embodiment, it is verified according to the bill of credit for receiving uniline server feedback, comprising:
Dynamic credential is transmitted to intelligent terminal to verify；Static credentials are verified.
In one embodiment, present invention also provides a kind of inter-bank based on withdrawal element without card enchashment processing unit, packet
It includes:
Request unit is received, for receiving the withdrawal request of intelligent terminal transmission, includes withdrawal element in withdrawal request, takes
Money element includes: ATM machine number, merchant bank's number, withdrawal account account and withdrawal amount；
Withdrawal authentication unit, for carrying out withdrawal verifying to withdrawal account according to withdrawal request；
Request transmitting unit receives uniline server for withdrawal request to be forwarded to, and takes so as to receive the generation of uniline server
Money voucher transfers to issuers server to verify, and bill of credit includes dynamic credential and static credentials, after bill of credit is verified
Issuers server executes button account operation.
In one embodiment, withdrawal authentication unit, comprising:
Element unit is extracted, for extracting withdrawal account account and withdrawal amount from withdrawal element；
Authentication unit, for being verified to corresponding withdrawal account account.
In one embodiment, request transmitting unit, comprising:
Dynamic credential retransmission unit is verified for dynamic credential to be transmitted to intelligent terminal；
Static credentials verification unit, for being verified to static credentials.
In one embodiment, a kind of inter-bank based on withdrawal element is additionally provided without card enchashment processing method, comprising:
The inter-bank of issuers server transmission is received without card withdrawal request；Wherein, inter-bank without in card withdrawal request comprising taking
Money element, withdrawal element include: ATM machine number, merchant bank's number, withdrawal account account and withdrawal amount；Based on inter-bank
Whether no card withdrawal request detection ATM machine can normally execute this operates without card enchashment；If detection pass through, based on inter-bank without
Card withdrawal request generates bill of credit's information；Bill of credit's information is sent to issuers server to verify.
In one embodiment, a kind of device based on above-mentioned processing method is provided, comprising:
Detection unit, for being taken without whether card withdrawal request detection ATM machine can normally execute this without card based on inter-bank
Now operate；Voucher generation unit, the inter-bank for being transmitted based on issuers server generate bill of credit's letter without card withdrawal request
Breath；Retransmission unit is verified for bill of credit's information to be sent to issuers server.
In one embodiment, another inter-bank based on withdrawal element is additionally provided without card enchashment processing method, comprising:
It is grasped based on whether the detection instruction detection equipment of itself for receiving uniline server can normally execute this without card enchashment
Make；It is verified if so, obtaining bill of credit's information and bill of credit's information being sent to issuers server, so that hair fastener
Row server executes button account operation after verifying to bill of credit；The execution of issuers server button account operating result is received to spit
Paper money operation.
In one embodiment, a kind of ATM machine is provided, comprising:
Self detection unit, for whether can normally be held based on the detection instruction detection equipment of itself for receiving uniline server
This go without card enchashment operation；
Bill of credit's acquiring unit, for obtaining bill of credit by living things feature recognition equipment and sending bill of credit
It is verified to issuers server, so that issuers server executes button account operation after verifying to bill of credit；
Account result receiving unit is detained, for receiving issuers server button account operating result.
In one embodiment, a kind of inter-bank based on withdrawal element is provided without card enchashment processing system, comprising: intelligence is eventually
Uniline server and issuers server, are received at ATM machine in end；Intelligent terminal is connect by wireless network with issuers server, is sent out
Card row server is connected with third-party server with uniline server is received by cable network, is received uniline server and is passed through wired network
Network is connect with ATM machine；Intelligent terminal, for sending inter-bank without card withdrawal request to issuers server, inter-bank is asked without card withdrawal
It include withdrawal element in asking；Whether ATM machine, can be normal for detecting equipment of itself based on the detection instruction for receiving uniline server
This is executed to operate without card enchashment and obtain static bill of credit；Uniline server is received, for being based on inter-bank without card withdrawal request
It generates bill of credit's information and bill of credit's information is sent to issuers server and verify；Issuers server is used for
According to withdrawal request, withdrawal verifying is carried out to withdrawal account.
In one embodiment, uniline server is received to be also used to send detection instruction to ATM machine.
In one embodiment, issuers server is also used to execute button account operation after withdrawal is verified.
Present invention take advantage of that the information (such as ATM machine two dimensional code and device coding) carried in ATM machine forms withdrawal element,
The information conversion between cross-bank is realized, and ensures safety, provides inter-bank without this mode of card withdrawal, to visitor for client
Family provides more conveniences.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.
Fig. 1 is a kind of inter-bank of the application without card enchashment processing system structure chart.
Fig. 2 is a kind of inter-bank of the application without intelligent terminal structure chart in card enchashment processing system.
Fig. 3 is a kind of inter-bank of the application without issuers server structure chart in card enchashment processing system.
Fig. 4 is a kind of inter-bank of the application without receipts uniline server architecture figure in card enchashment processing system.
Fig. 5 is the first inter-bank of the application without card enchashment processing method flow chart.
Fig. 6 is the first inter-bank of the application without card enchashment processing unit structure chart.
Fig. 7 is second of inter-bank of the application without card enchashment processing method flow chart.
Fig. 8 is second of inter-bank of the application without card enchashment processing unit structure chart.
Fig. 9 is the third inter-bank of the application without card enchashment processing method flow chart.
Figure 10 is a kind of ATM machine structure chart of the application.
Figure 11 is the inter-bank of the application without card enchashment processing method system construction drawing.
Figure 12 is the specific embodiment of a kind of electronic equipment of the inter-bank without card enchashment processing method in the application.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
Currently, client has two kinds of main channels of the enchashment of cabinet face and ATM machine enchashment, both channels in the mode of bank's enchashment
Support current row have card enchashment and without card enchashment and he manage it and have card enchashment, but cannot achieve inter-bank without card enchashment at present.Based on this,
This application provides a kind of inter-bank based on withdrawal element without card enchashment demand processing system.As shown in Figure 1, the inter-bank takes without card
Existing demand processing system includes: intelligent terminal 7, issuers server 8, third-party server 3, receives uniline server 9, self-service takes
Money equipment 5 (ATM machine).
Wherein, intelligent terminal 7 is connect by wireless network with issuers server 8；Issuers server 8 passes through wired network
Network connect with third-party server 3 and carries out data interaction, third-party server 3 by cable network respectively with credit card issuer service
Device 8, the connection of acquirer's server 9 carry out data interaction, forwarding；Uniline server 9 is received to set by cable network and self-help drawing money
Standby 5 (ATM machine) carry out data interaction.
Intelligent terminal 7 can be smart phone, tablet computer or other similar can move with wireless communication module
Equipment, be mounted with camera in the equipment.Other than the conventional modules such as keyboard, display screen, wireless communication module, intelligence is eventually
End 7 on further include some functional modules, these modules can be made app software, be deployed in smart phone, tablet computer or its
On his similar device, it can also be used as hardware device and be deployed on intelligent terminal.Bank's encryption and decryption is mounted on intelligent terminal 7
Module 71, for sending the packet that inter-bank is returned without card withdrawal request and reception bank to bank server, the module is by silver
Row provides.
Issuers server 8 is used to carry out data interaction by wireless network and intelligent terminal 7, and by cable network with
Third-party server 3 carries out data interaction.Issuers server 8 be responsible for processing inter-bank without card withdrawal request, the request include but
It is not limited to include number, receipts uniline number, withdrawal amount of self-help drawing money equipment 5 etc., withdrawal request is through 8 school of issuers server
It tests to send to after through third-party server 3 and receives uniline server 9.
Third-party server 3 is by cable network and issuers server 8 and receives the progress data interaction of uniline server 9,
Handle the communication between different bank.Third-party server 3 includes but is not limited to including Unionpay, VISA, overseas various countries' local network
Network tissue etc..
Uniline server 9 is received to be responsible for carrying out data friendship by cable network and third-party server 3, self-help drawing money equipment 5
Mutually.The responsible inter-bank for receiving issuers server 8 by third-party server forwarding of uniline server 9 is received to believe without card withdrawal request
Breath, while detection instruction is sent to self-help drawing money equipment 5, it checks by then notifying issuers server 8 to carry out accounting processing, together
Paper money processing is spat in the execution of Shi Tongzhi self-help drawing money equipment 5.
Self-help drawing money equipment 5 is by cable network and receives the progress data interaction of uniline server 9, connect for client with bank
And obtain cash.
As shown in Fig. 2, further including testing close module 72 on intelligent terminal 7, it is responsible for the identity of verification withdrawal client, client Xiang Fa
When card row initiates withdrawal application, static password, dynamic verification code, short message verification code etc. can be inputted, fingerprint knowledge can also be carried out
Not, recognition of face, iris recognition etc. verify identity, and authentication is by that could continue operation of withdrawing the money.
It further include withdrawal module 73 on intelligent terminal 7, client initiates withdrawal request by the module, by scanning self-service take
The two dimensional code that money equipment 5 the is shown number that perhaps graphic code or manually input self-help drawing money equipment 5 are shown receives uniline number.
Withdrawal element can include but is not limited to include: self-help terminal equipment 5 number, merchant bank number, the card number for detaining account
Or account, withdrawal amount etc., the transaction message of withdrawal element composition follow third party's unified standard and encrypted transmission.
As shown in figure 3, including data transceiving unit 81, preliminary examination unit 82, outer connection in the issuers server 8
Interrogate unit 83 and accounting processing unit 84.
Wherein, data transceiving unit 81 be responsible for intelligent terminal 7 carry out data secure interactive, and to interactive data into
Row encryption and decryption.
Preliminary examination unit 82 is responsible for the inter-bank of the processing submission of withdrawal module 73 without card withdrawal request, and according to the inter-bank without card
Withdrawal request does relevant inspection, for example judges whether the remaining sum of account is sufficient, receives whether uniline number is registered, if checked
Pass through, then inter-bank is transmitted to without card withdrawal request by third-party server 3 to the place received uniline server 9 and carry out next step
Reason.
External connection communication unit 83 in issuers server 8 is responsible for processing issuers server 8 and third-party server 3
Processing is encrypted and decrypted to interaction data in data interaction.
Accounting processing unit 84 is responsible for carrying out withdrawal account button account processing.
As shown in figure 4, receiving uniline server 9 includes data transceiving unit 91, external connection communication unit 92, preliminary examination unit 93
With trade confirmation unit 94.
The data transceiving unit 91 for receiving uniline server 9 is responsible for receiving uniline server 9 and autonomous withdrawal equipment 5 carries out data
Secure interactive, and interaction data is encrypted and decrypted.
External connection communication unit 92 is responsible for the data interaction that uniline server 9 and third-party server 3 are received in processing, to interaction number
It is handled according to being encrypted and decrypted.
Preliminary examination unit 93 is responsible for sending the equipment that detection instruction checks self-help drawing money equipment 5 to self-help drawing money equipment 5
Whether state is normal, and whether sufficient and current withdrawal equipment operation people is remittee etc. to the cash in cash box.
Trade confirmation unit 94 is responsible for checking whether this withdrawal request is initiated by client, is not stolen, falsely uses.Transaction is true
Recognize the dynamic digitals such as password, dynamic two-dimension code, the short message verification code that unit 94 is generated by receipts uniline server 9 and is sent to visitor
Family, client input dynamic digital in self-help drawing money equipment 5 or are obtained by the living things feature recognition equipment in self-help drawing money equipment 5
These dynamic digitals or biological characteristic are transmitted to by the biological characteristics such as the face figure, fingerprint, the iris that take, self-help drawing money equipment 5
The identity of the confirmation remittee of issuers server 8.If it is confirmed that passing through, issuers server 8 will confirm that be fed back to by information
Uniline server 9 is received, uniline server 9 is received and self-help drawing money equipment 5 is notified to spit paper money, issuers server 8 notifies accounting processing list
Member 84 executes button account processing.
The application based on above-mentioned inter-bank without card cash withdrawal system provide a kind of inter-bank based on withdrawal element without card withdrawal at
Reason method, as shown in figure 5, this method comprises:
S501: issuers server receives the withdrawal request that intelligent terminal is sent, and includes withdrawal element in withdrawal request, takes
Money element includes: ATM machine number, merchant bank's number, withdrawal account account and withdrawal amount.
In one embodiment, client holds the account of A bank (credit card issuer), it is desirable to withdraw the money, but with it not with A bank
Bank card, and nearby without the ATM machine of A bank (self-help drawing money equipment), it is desirable to nearby another B bank (receiving uniline)
ATM machine on carry out without card withdrawal.Client without card withdrawal two dimensional code or manually enters ATM by the inter-bank in scanning ATM machine
The number of machine inputs withdrawal amount, initiates inter-bank without card withdrawal request, in order to prevent ATM machine number input to A bank server
Wrong or two dimensional code is stolen, and client needs to complete trade confirmation before ATM machine, such as generates in ATM machine input withdrawal request
Identifying code immediately, or carry out identity using the biological characteristic that the living things feature recognition equipment in ATM machine obtains withdrawal client
Confirmation.Withdrawal module 73 on mobile phone in withdrawal element (ATM machine number, withdrawal amount etc.) giving issuers server 8 (A
Bank server) inter-bank is initiated without card withdrawal request.
S502: issuers server carries out withdrawal verifying according to withdrawal request, to withdrawal account.
In one embodiment, the preliminary examination unit 82 in issuers server 8 does correlation after receiving withdrawal request
It withdraws the money and verifies, for example judge whether the remaining sum of the withdrawal account is sufficient, number that is receiving uniline whether there is etc..
S503: if after issuers server withdrawal be verified, withdrawal request being forwarded to and receives uniline server, so as to receive
Uniline server generates bill of credit's information, and bill of credit includes dynamic credential and static credentials.
In one embodiment, it is verified if withdrawn the money, the external connection communication unit 83 in issuers server 8 will take
Money request is transmitted to by third-party server 3 receives uniline server 9, and the preliminary examination unit 93 for receiving uniline server 9 sends inspection
Surveying instruction to ATM machine makes ATM machine check oneself whether equipment state normal, the remaining sum of cash box whether abundance etc., pass through receipts if checked
Uniline server 9 generates bill of credit's information and handles bill of credit's message transport to trade confirmation unit 94.
S504: issuers server is verified according to the bill of credit for receiving uniline server feedback, and is being verified
Button account operation is executed afterwards.
In one embodiment, bill of credit's information is sent to issuers server 8 by third-party server 3, sends out
Card row server 8, which again sends the credential information on smart machine 7, is presented to client, client inputted in ATM machine withdrawal with
It send confirmation unit 92 to be checked in card information, if checked successfully, receives the account that uniline server 9 notifies issuers server 8
Business processing unit 84 carries out button account processing, does not handle if verification is unsuccessful.
In one embodiment, in S502, comprising: extract withdrawal account account and withdrawal amount from withdrawal element；
Withdrawal account account is verified.
In one embodiment, in S504, comprising: dynamic credential is transmitted to intelligent terminal and is verified；To static credentials
It is verified.
In one embodiment, dynamic credential is to receive dynamic password, the dynamic two-dimension code etc. that uniline server 9 generates,
Static credentials are the biological characteristics such as face figure, fingerprint or iris that ATM machine is shot by living things feature recognition equipment.
Based on above-mentioned inter-bank enchashment processing method, this application provides a kind of corresponding inter-bank based on withdrawal element without card
Enchashment processing unit, as shown in Figure 6, comprising:
Request unit 601 is received, for receiving the withdrawal request of intelligent terminal transmission, is wanted in withdrawal request comprising withdrawing the money
Element, withdrawal element include: ATM machine number, merchant bank's number, withdrawal account account and withdrawal amount.
Specifically, receiving request unit 601 may be implemented the function of data transceiving unit 81.
Withdrawal authentication unit 602, for carrying out withdrawal verifying to withdrawal account according to withdrawal request.
Specifically, the function of preliminary examination unit 82 may be implemented in withdrawal authentication unit 602.
Request transmitting unit 603 receives uniline server for withdrawal request to be forwarded to, and generates so as to receive uniline server
Bill of credit transfers to issuers server to verify, and bill of credit includes dynamic credential and static credentials, and bill of credit is verified
Issuers server executes button account operation afterwards.
Specifically, the function of external connection communication unit 83 and accounting processing unit 84 may be implemented in request transmitting unit 603.
In one embodiment, withdrawal authentication unit 602, comprising:
Element unit 602-1 is extracted, for extracting withdrawal account account and withdrawal amount from withdrawal element.
Authentication unit 602-2, for being verified to corresponding withdrawal account account.
In one embodiment, request transmitting unit 603, comprising:
Dynamic credential retransmission unit 603-1, is verified for dynamic credential to be transmitted to intelligent terminal；
Static credentials verification unit 603-2, for being verified to static credentials.
Second of inter-bank based on withdrawal element is additionally provided in this application without card enchashment processing method, as shown in fig. 7,
Include:
S701: it receives uniline server and receives the inter-bank of issuers server transmission without card withdrawal request；Wherein, inter-bank is without card
It include withdrawal element in withdrawal request, withdrawal element includes: ATM machine number, merchant bank's number, withdrawal account account and takes
The money amount of money.
In one embodiment, the data transceiving unit 91 for receiving uniline server 9 receives issuers server 8 and transmitted
The inter-bank come is without card withdrawal request.
Whether S702: this nothing can normally be executed without card withdrawal request detection ATM machine by receiving uniline server based on inter-bank
Card enchashment operation.
In one embodiment, the preliminary examination unit 93 for receiving uniline server 9 is based on withdrawal request and sends inspection to ATM machine
Instruction is surveyed, ATM machine executes self detection after receiving instruction, and whether detection ATM machine equipment is normal, and whether the cash in cash box fills
Foot etc..
S703: it if detection passes through, receives uniline server and is based on inter-bank without card withdrawal request generation bill of credit's information.
In one embodiment, when ATM machine execute self detection by after notice receive uniline server 9, receive uniline clothes
Business device 9 generates bill of credit's information (dynamic credential), can be dynamic digital, dynamic two-dimension code etc..
S704: bill of credit's information is sent to issuers server and verified by receipts uniline server.
In one embodiment, it receives uniline server and bill of credit's information is sent to issuers server 8, if it is
The voucher is sent to intelligent terminal 7 and is presented to client by dynamic credential, issuers server 8, and being inputted in ATM machine by client should
Voucher executes verifying, if it is static credentials (such as face figure, iris), issuers server 8 by the static credentials with
The client's biometric information (such as face figure, iris) stored when client opens an account in credit card issuer is compared, if compared
By being then verified, otherwise verifies and do not pass through.
For above-mentioned inter-bank without card enchashment processing method, present invention also provides a kind of dresses based on above-mentioned processing method
It sets, as shown in Figure 8, comprising:
Detection unit 801, for whether can normally execute this without card without card withdrawal request detection ATM machine based on inter-bank
Enchashment operation.
Specifically, detection unit 801 may be implemented to receive the function of the preliminary examination unit 93 in uniline server 9.
Voucher generation unit 802, inter-bank for being transmitted based on issuers server generated without card withdrawal request withdraw the money with
Demonstrate,prove information.
Retransmission unit 803 is verified for bill of credit's information to be sent to issuers server.
Specifically, the function of external connection communication unit 92 may be implemented in retransmission unit 803.
Present invention also provides the third inter-bank based on withdrawal element without card enchashment processing method, as shown in figure 9, packet
It includes:
Whether S901:ATM machine can normally execute this based on the detection instruction detection equipment of itself for receiving uniline server
No card enchashment operation.
In one embodiment, ATM machine is received checks showing for cash box after the detection instruction for receiving uniline server 9
Whether paper money sufficient, note output equipment whether normal operation etc..
S902: if so, ATM machine obtain bill of credit's information and by bill of credit's information be sent to issuers server into
Row verification, so that issuers server executes button account operation after verifying to bill of credit.
In one embodiment, ATM machine acquires the facial image or rainbow of withdrawal client by living things feature recognition equipment
Then the static credentials are sent to issuers server 8 and are compared by the information such as film (static credentials).
S903:ATM machine receives the execution of issuers server button account operating result and spits paper money operation.
In one embodiment, after the accounting processing unit 84 of issuers server 8 executes button account processing to account, button
Account result is sent to intelligent terminal 7 and shows client, and button account result is back to by third-party server 3 and receives uniline server 9,
It receives uniline server 9 and result is sent to ATM machine again, if result is button account success, ATM machine spits paper money, if button account failure
Then ATM machine prompt, which is withdrawn the money, fails.
Based on the above method, this application provides a kind of ATM machine, include: as shown in Figure 10
Whether self detection unit 1001, can be just for detecting equipment of itself based on the detection instruction for receiving uniline server
This is often executed to operate without card enchashment.
Bill of credit's acquiring unit 1002, for obtaining bill of credit by living things feature recognition equipment and by bill of credit
It is sent to issuers server to be verified, so that issuers server executes button account behaviour after verifying bill of credit
Make.
Account result receiving unit 1003 is detained, for receiving issuers server button account operating result.
Present invention also provides a kind of inter-bank based on withdrawal element without card enchashment processing system, can be used for executing above-mentioned
Method, as shown in figure 11, comprising: intelligent terminal 7, receives uniline server 9 and issuers server 8 at ATM machine 5.
Intelligent terminal 7 connect by wireless network with issuers server 8, issuers server 8 pass through cable network with
Third-party server 3 is connected with uniline server 9 is received, and is received uniline server 9 and is connect by cable network with ATM machine.
Intelligent terminal 7, for sending inter-bank without card withdrawal request to issuers server 8, inter-bank is without in card withdrawal request
Include withdrawal element.
ATM machine 5, for whether can normally execute sheet based on the detection instruction detection equipment of itself for receiving uniline server 9
Secondary no card enchashment operates and obtains static bill of credit.
Uniline server 9 is received, for generating bill of credit's information without card withdrawal request based on inter-bank and believing bill of credit
Breath is sent to issuers server 8 and is verified.
Issuers server 8, for carrying out withdrawal verifying to withdrawal account according to withdrawal request.
In one embodiment, uniline server 9 is received to be also used to send detection instruction to ATM machine 5.
In one embodiment, issuers server 8 is also used to execute button account operation after withdrawal is verified.
Present invention take advantage of that the information (such as ATM machine two dimensional code and device coding) carried in ATM machine forms withdrawal element,
The information conversion between cross-bank is realized, and ensures safety, provides inter-bank without this mode of card withdrawal, to visitor for client
Family provides more conveniences.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more,
The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces
The form of product.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Specific embodiment is applied in the present invention, and principle and implementation of the present invention are described, above embodiments
Explanation be merely used to help understand method and its core concept of the invention；At the same time, for those skilled in the art,
According to the thought of the present invention, there will be changes in the specific implementation manner and application range, in conclusion in this specification
Appearance should not be construed as limiting the invention.
Embodiments herein, which also provides, can be realized a kind of electronics of Overall Steps in the method in above-described embodiment and sets
Standby specific embodiment, referring to Figure 12, the electronic equipment specifically includes following content:
Processor (processor) 1201, memory (memory) 1202, communication interface (Communications
Interface) 1203 and bus 1204；
Wherein, the processor 1201, memory 1202, communication interface 1203 are completed each other by the bus 1204
Communication；
The processor 1201 is used to call computer program in the memory 1202, described in the processor executes
The Overall Steps in the method in above-described embodiment are realized when computer program, for example, the processor executes the computer
Following step is realized when program:
S501: issuers server receives the withdrawal request that intelligent terminal is sent, and includes withdrawal element in withdrawal request, takes
Money element includes: ATM machine number, merchant bank's number, withdrawal account account and withdrawal amount.
S502: issuers server carries out withdrawal verifying according to withdrawal request, to withdrawal account.
S503: if after issuers server withdrawal be verified, withdrawal request being forwarded to and receives uniline server, so as to receive
Uniline server generates bill of credit's information, and bill of credit includes dynamic credential and static credentials.
S504: issuers server is verified according to the bill of credit for receiving uniline server feedback, and is being verified
Button account operation is executed afterwards.
S701: it receives uniline server and receives the inter-bank of issuers server transmission without card withdrawal request；Wherein, inter-bank is without card
It include withdrawal element in withdrawal request, withdrawal element includes: ATM machine number, merchant bank's number, withdrawal account account and takes
The money amount of money.
Whether S702: this nothing can normally be executed without card withdrawal request detection ATM machine by receiving uniline server based on inter-bank
Card enchashment operation.
S703: it if detection passes through, receives uniline server and is based on inter-bank without card withdrawal request generation bill of credit's information.
S704: bill of credit's information is sent to issuers server and verified by receipts uniline server.
Whether S901:ATM machine can normally execute this based on the detection instruction detection equipment of itself for receiving uniline server
No card enchashment operation.
S902: if so, ATM machine obtain bill of credit's information and by bill of credit's information be sent to issuers server into
Row verification, so that issuers server executes button account operation after verifying to bill of credit.
S903:ATM machine receives the execution of issuers server button account operating result and spits paper money operation.
Embodiments herein also provides a kind of computer that can be realized Overall Steps in the method in above-described embodiment
Readable storage medium storing program for executing is stored with computer program on the computer readable storage medium, which is held by processor
The Overall Steps of the method in above-described embodiment are realized when row, for example, the processor is realized when executing the computer program
Following step:
S501: issuers server receives the withdrawal request that intelligent terminal is sent, and includes withdrawal element in withdrawal request, takes
Money element includes: ATM machine number, merchant bank's number, withdrawal account account and withdrawal amount.
S502: issuers server carries out withdrawal verifying according to withdrawal request, to withdrawal account.
S503: if after issuers server withdrawal be verified, withdrawal request being forwarded to and receives uniline server, so as to receive
Uniline server generates bill of credit's information, and bill of credit includes dynamic credential and static credentials.
S504: issuers server is verified according to the bill of credit for receiving uniline server feedback, and is being verified
Button account operation is executed afterwards.
S701: it receives uniline server and receives the inter-bank of issuers server transmission without card withdrawal request；Wherein, inter-bank is without card
It include withdrawal element in withdrawal request, withdrawal element includes: ATM machine number, merchant bank's number, withdrawal account account and takes
The money amount of money.
Whether S702: this nothing can normally be executed without card withdrawal request detection ATM machine by receiving uniline server based on inter-bank
Card enchashment operation.
S703: it if detection passes through, receives uniline server and is based on inter-bank without card withdrawal request generation bill of credit's information.
S704: bill of credit's information is sent to issuers server and verified by receipts uniline server.
Whether S901:ATM machine can normally execute this based on the detection instruction detection equipment of itself for receiving uniline server
No card enchashment operation.
S902: if so, ATM machine obtain bill of credit's information and by bill of credit's information be sent to issuers server into
Row verification, so that issuers server executes button account operation after verifying to bill of credit.
S903:ATM machine receives the execution of issuers server button account operating result and spits paper money operation.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for hardware+
For program class embodiment, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to side
The part of method embodiment illustrates.Although this specification embodiment provides the operation of the method as described in embodiment or flow chart
Step, but may include more or less operating procedure based on conventional or without creativeness means.It is enumerated in embodiment
The step of sequence be only one of numerous step execution sequence mode, do not represent and unique execute sequence.In practice
It, can be according to embodiment or the execution of method shown in the drawings sequence or parallel execution (example when device or end product execute
Such as parallel processor or the environment of multiple threads, even distributed data processing environment).The terms "include", "comprise"
Or any other variant thereof is intended to cover non-exclusive inclusion, so that including the process, method of a series of elements, producing
Product or equipment not only include those elements, but also including other elements that are not explicitly listed, or further include for this
Kind of process, method, product or the intrinsic element of equipment.In the absence of more restrictions, being not precluded is including institute
State in process, method, product or the equipment of element that there is also other identical or equivalent elements.For convenience of description, it retouches
It is divided into various modules when stating apparatus above with function to describe respectively.It certainly, can be each mould when implementing this specification embodiment
The function of block is realized in the same or multiple software and or hardware, and the module of same function can also will be realized by multiple sons
Combination realization of module or subelement etc..The apparatus embodiments described above are merely exemplary, for example, the unit
It divides, only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple units or components
It can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown or
The mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, the indirect coupling of device or unit
It closes or communicates to connect, can be electrical property, mechanical or other forms.The present invention be referring to according to the method for the embodiment of the present invention,
Equipment (system) and the flowchart and/or the block diagram of computer program product describe.It should be understood that can be referred to by computer program
Enable process in each flow and/or block and flowchart and/or the block diagram in implementation flow chart and/or block diagram and/
Or the combination of box.Can provide these computer program instructions to general purpose computer, special purpose computer, Embedded Processor or its
The processor of his programmable data processing device is to generate a machine, so that being handled by computer or other programmable datas
The instruction that the processor of equipment executes generates for realizing in one side of one or more flows of the flowchart and/or block diagram
The device for the function of being specified in frame or multiple boxes.
It will be understood by those skilled in the art that the embodiment of this specification can provide as the production of method, system or computer program
Product.Therefore, in terms of this specification embodiment can be used complete hardware embodiment, complete software embodiment or combine software and hardware
Embodiment form.Moreover, it wherein includes computer available programs that this specification embodiment, which can be used in one or more,
Implement in the computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) of code
The form of computer program product.All the embodiments in this specification are described in a progressive manner, each embodiment it
Between same and similar part may refer to each other, each embodiment focuses on the differences from other embodiments.
For system embodiment, since it is substantially similar to the method embodiment, so be described relatively simple, correlation
Place illustrates referring to the part of embodiment of the method.In the description of this specification, reference term " one embodiment ", " some
The description of embodiment ", " example ", " specific example " or " some examples " etc. means tool described in conjunction with this embodiment or example
Body characteristics, structure, material or feature are contained at least one embodiment or example of this specification embodiment.
In the present specification, the schematic representation of the above terms does not necessarily have to refer to the same embodiment or example.
In addition, without conflicting with each other, those skilled in the art can by different embodiments described in this specification or
The feature of example and different embodiments or examples is combined.The foregoing is merely the implementations of this specification embodiment
Example, is not limited to this specification embodiment.To those skilled in the art, this specification embodiment can have
Various modifications and variations.All any modification, equivalent replacement, improvement within the spirit and principle of this specification embodiment
Deng should be included within the scope of the claims of this specification embodiment.
Claims (15)
1. a kind of inter-bank based on withdrawal element is without card enchashment processing method characterized by comprising
The withdrawal request that intelligent terminal is sent is received, includes withdrawal element in withdrawal request, the withdrawal element includes: ATM machine
Number, merchant bank's number, withdrawal account account and withdrawal amount；
According to the withdrawal request, withdrawal verifying is carried out to withdrawal account；
If after withdrawal is verified, the withdrawal request being forwarded to and receives uniline server, taken so as to receive the generation of uniline server
Money credential information, the bill of credit include dynamic credential and static credentials；
It is verified according to the bill of credit for receiving uniline server feedback, and executes button account operation after being verified.
2. processing method according to claim 1, which is characterized in that it is described according to the withdrawal request, to withdrawal account
Carry out withdrawal verifying, comprising:
Withdrawal account account and withdrawal amount are extracted from the withdrawal element；
The withdrawal account account is verified.
3. processing method according to claim 2, which is characterized in that described to receive taking for uniline server feedback according to described
Money voucher is verified, comprising:
Dynamic credential is transmitted to intelligent terminal to verify；
Static credentials are verified.
4. a kind of inter-bank based on withdrawal element is without card enchashment processing unit characterized by comprising
Request unit is received, includes withdrawal element in withdrawal request for receiving the withdrawal request of intelligent terminal transmission, it is described to take
Money element includes: ATM machine number, merchant bank's number, withdrawal account account and withdrawal amount；
Withdrawal authentication unit, for carrying out withdrawal verifying to withdrawal account according to the withdrawal request；
Request transmitting unit receives uniline server for the withdrawal request to be forwarded to, and takes so as to receive the generation of uniline server
Money voucher transfers to issuers server to verify, and the bill of credit includes dynamic credential and static credentials, and the bill of credit tests
Card executes button account operation by rear issuers server.
5. processing unit according to claim 4, which is characterized in that the withdrawal authentication unit, comprising:
Element unit is extracted, for extracting withdrawal account account and withdrawal amount from withdrawal element；
Authentication unit, for being verified to corresponding withdrawal account account.
6. processing unit according to claim 4, which is characterized in that the request transmitting unit, comprising:
Dynamic credential retransmission unit is verified for dynamic credential to be transmitted to intelligent terminal；
Static credentials verification unit, for being verified to static credentials.
7. a kind of inter-bank based on withdrawal element is without card enchashment processing method characterized by comprising
The inter-bank of issuers server transmission is received without card withdrawal request；Wherein, the inter-bank without in card withdrawal request comprising taking
Money element, the withdrawal element include: ATM machine number, merchant bank's number, withdrawal account account and withdrawal amount；
It is operated without whether card withdrawal request detection ATM machine can normally execute this without card enchashment based on inter-bank；
If detection passes through, bill of credit's information is generated without card withdrawal request based on the inter-bank；
Bill of credit's information is sent to the issuers server to verify.
8. a kind of inter-bank based on withdrawal element is without card enchashment processing unit characterized by comprising
Detection unit, for being grasped without whether card withdrawal request detection ATM machine can normally execute this without card enchashment based on inter-bank
Make；
Voucher generation unit, the inter-bank for being transmitted based on issuers server generate bill of credit's information without card withdrawal request；
Retransmission unit is verified for bill of credit's information to be sent to the issuers server.
9. a kind of inter-bank based on withdrawal element is without card enchashment processing method characterized by comprising
It is operated based on whether the detection instruction detection equipment of itself for receiving uniline server can normally execute this without card enchashment；
It is verified if so, obtaining bill of credit's information and bill of credit's information being sent to issuers server, with
Issuers server is set to execute button account operation after verifying to bill of credit；
It receives the execution of issuers server button account operating result and spits paper money operation.
10. a kind of ATM machine characterized by comprising
Self detection unit, for whether can normally execute sheet based on the detection instruction detection equipment of itself for receiving uniline server
Secondary no card enchashment operation；
Bill of credit's acquiring unit, for obtaining bill of credit by living things feature recognition equipment and sending the bill of credit
It is verified to issuers server, so that issuers server executes button account operation after verifying to bill of credit；
Account result receiving unit is detained, for receiving issuers server button account operating result.
11. a kind of inter-bank based on withdrawal element is without card enchashment processing system characterized by comprising intelligent terminal, ATM machine,
Receive uniline server and issuers server；The intelligent terminal is connect by wireless network with issuers server, the hair
Card row server is connected with third-party server with uniline server is received by cable network, and the receipts uniline server is by having
Gauze network is connect with ATM machine；
The intelligent terminal, for sending inter-bank without card withdrawal request to issuers server, the inter-bank is without card withdrawal request
In include withdrawal element；
The ATM machine, for whether can normally be executed based on the detection instruction detection equipment of itself for receiving uniline server
This operates without card enchashment and obtains static bill of credit；
The receipts uniline server, for generating bill of credit's information without card withdrawal request based on inter-bank and by the bill of credit
Information is sent to the issuers server and is verified；
The issuers server, for carrying out withdrawal verifying to withdrawal account according to the withdrawal request.
12. processing system according to claim 11, which is characterized in that the receipts uniline server is also used to described
ATM machine sends detection instruction.
13. processing system according to claim 11, which is characterized in that the issuers server is also used to test in withdrawal
Card executes button account operation after passing through.
14. a kind of electronic equipment including memory, processor and stores the calculating that can be run on a memory and on a processor
Machine program, which is characterized in that the processor realizes any one of claims 1 to 3,7,9 inter-bank when executing described program
Without card enchashment processing method.
15. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program quilt
Realize any one of claims 1 to 3,7,9 inter-bank without card enchashment processing method when processor executes.
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| CN201910603636.8A CN110298984A (en) | 2019-07-05 | 2019-07-05 | A kind of inter-bank based on withdrawal element is without card enchashment processing method and processing device |
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| CN201910603636.8A CN110298984A (en) | 2019-07-05 | 2019-07-05 | A kind of inter-bank based on withdrawal element is without card enchashment processing method and processing device |
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