CN110322235A - It is a kind of based on mark realize inter-bank without card enchashment processing method and processing device - Google Patents
It is a kind of based on mark realize inter-bank without card enchashment processing method and processing device Download PDFInfo
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- CN110322235A CN110322235A CN201910603650.8A CN201910603650A CN110322235A CN 110322235 A CN110322235 A CN 110322235A CN 201910603650 A CN201910603650 A CN 201910603650A CN 110322235 A CN110322235 A CN 110322235A
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
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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
This application provides a kind of inter-bank realized based on mark without card enchashment processing method and processing device, comprising: receives inter-bank and instructs without card withdrawal；The unique identification for obtaining enchashment account is instructed based on withdrawing the money, unique identification includes: dynamic marks and static identity, and dynamic marks are generated by issuers server；Withdrawal verifying is carried out so that unique identification is converted to corresponding withdrawal account by issuing bank's server without card withdrawal request to issuing bank's server transmission inter-bank by receiving uniline server according to unique identification, and executes button account operation after being verified.System and method of the inter-bank without card enchashment are realized this application provides a kind of, and inter-bank is withdrawn the money in the case where realizing without card, and has ensured safety and the convenience of payment, is brought convenience and splendid experience to user.
Description
Technical field
This application involves bank's inter-bank withdrawal process fields, in particular, be related to it is a kind of based on mark realize inter-bank 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 realized based on mark 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 realized based on mark is provided without card enchashment processing method, packet
It includes: receiving inter-bank and instructed without card withdrawal.
The unique identification for obtaining enchashment account is instructed based on withdrawing the money, unique identification includes: dynamic marks and static identity, is moved
State mark is generated by issuers server.
Inter-bank is sent without card withdrawal request to issuing bank's server by receiving uniline server according to unique identification, so that
Unique identification is converted to corresponding withdrawal account by issuing bank's server, carries out withdrawal verifying, and execute after being verified
Detain account operation.
In one embodiment, the unique identification for obtaining enchashment account is instructed based on withdrawing the money, comprising:
The unique identification of enchashment account is obtained by code keyboard, camera or living things feature recognition equipment.
In one embodiment, a kind of inter-bank realized based on mark is without card enchashment processing method further include:
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；To receipts uniline server feedback testing result.
In one embodiment, additionally provide it is a kind of based on mark realize inter-bank without card enchashment processing method, comprising:
ATM machine is received by receiving the inter-bank of uniline server forwarding without card withdrawal request, inter-bank in card withdrawal request without wrapping
Unique identification containing corresponding enchashment account；Unique identification is converted into corresponding withdrawal account, and carries out withdrawal verifying；If
It is verified, executes button account operation.
In one embodiment, additionally provide it is a kind of based on mark realize inter-bank without card enchashment processing method, comprising:
The inter-bank of unique identification transmission of the ATM machine based on enchashment account is received without card withdrawal request, inter-bank is withdrawn the money without card
It include the unique identification of corresponding enchashment account in request；Whether can be normal without card withdrawal request detection ATM machine based on inter-bank
This is executed to operate without card enchashment；If so, inter-bank is forwarded to issuers server without card withdrawal request.
According to further aspect of the application, a kind of ATM machine is provided, comprising: instruction receiving unit, for receiving inter-bank
It withdraws the money and instructs without card；Mark acquiring unit, for instructing the unique identification for obtaining enchashment account, unique identification packet based on withdrawing the money
Include: dynamic marks and static identity, dynamic marks are generated by issuers server；Request transmitting unit, for according to unique mark
Know and sends inter-bank without card withdrawal request, so that issuing bank's server will only to issuing bank's server by receiving uniline server
One mark is converted to corresponding withdrawal account, carries out withdrawal verifying, and button account operation is executed after being verified.
In one embodiment, mark acquiring unit is specifically used for:
The unique identification of enchashment account is obtained by code keyboard, camera or living things feature recognition equipment.
In one embodiment, a kind of ATM machine provided by the present application further include:
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.
Testing result feedback unit is used for receipts uniline server feedback testing result.
In one embodiment, present invention also provides a kind of inter-bank realized based on mark without card enchashment processing unit, packet
It includes:
Request reception unit, for receiving ATM machine by receiving the inter-bank of uniline server forwarding without card withdrawal request, inter-bank
It include the unique identification of corresponding enchashment account in no card withdrawal request；Converting unit, for unique identification to be converted to correspondence
Withdrawal account, and carry out withdrawal verifying；Bill member is detained, for executing button account operation.
In one embodiment, present invention also provides another kinds requests processing dress without card enchashment based on the inter-bank that mark is realized
It sets, comprising: request reception unit is withdrawn the money for receiving the inter-bank that ATM machine is sent based on the unique identification of enchashment account without card
Request, inter-bank is without the unique identification in card withdrawal request including corresponding enchashment account；Detection unit, for being based on inter-bank without card
Whether withdrawal request detection ATM machine can normally execute this operates without card enchashment；Retransmission unit, for inter-bank to be withdrawn the money without card
Request is forwarded to issuers server.
According to the another aspect of the application, a kind of inter-bank realized based on mark is additionally provided without card cash withdrawal system, comprising:
Intelligent terminal, receives uniline server and issuers server at ATM machine.
Intelligent terminal is connect by wireless network with issuers server, and issuers server passes through cable network and third
Square server is received uniline server and is connect by cable network with ATM machine with the connection of uniline server is received；Intelligent terminal is used for
Mark acquisition request is sent to issuers server, and receives the unique mark for the enchashment account that the issuers server returns
Know；Wherein, unique identification includes: dynamic marks and static identity, and dynamic marks are generated by issuers server；ATM machine is used for
Based on withdraw the money instruct obtain enchashment account unique identification, and according to the unique identification to receive uniline server initiate inter-bank without
Card withdrawal request；Uniline server is received, is withdrawn the money for receiving the inter-bank that ATM machine is sent based on the unique identification of enchashment account without card
Request；Issuers server, for receiving the inter-bank for receiving the forwarding of uniline server without card withdrawal request, by unique mark
Knowledge is converted to corresponding withdrawal account, and carries out withdrawal verifying, and button account operation is executed after being verified.
In one embodiment, uniline server is received to be also used to send detection instruction to ATM machine.
In one embodiment, whether ATM machine is also used to based on the detection instruction detection equipment of itself for receiving uniline server
It is enough normally to execute this without card enchashment operation.
Present invention take advantage of that the technology of account unique identification, by reading the technological means such as account unique identification two dimensional code,
The information conversion between cross-bank is realized, and ensures certain safety, provides inter-bank without this side of card withdrawal for client
Formula provides more conveniences to client.
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 ATM machine structure chart in card enchashment processing system.
Fig. 4 is a kind of inter-bank of the application without issuers server structure chart in card enchashment processing system.
Fig. 5 is a kind of inter-bank of the application without receipts uniline server architecture figure in card enchashment processing system.
Fig. 6 is the first inter-bank of the application without card enchashment processing method flow chart.
Fig. 7 is a kind of ATM machine structural block diagram of the application.
Fig. 8 is second of inter-bank of the application without card enchashment processing method flow chart.
Fig. 9 is second of inter-bank of the application without card enchashment processing unit structure chart.
Figure 10 is the third inter-bank of the application without card enchashment processing method flow chart.
Figure 11 is the third inter-bank of the application without card enchashment processing method structure drawing of device.
Figure 12 is the third inter-bank of the application without card enchashment processing method system construction drawing.
Figure 13 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 without card enchashment demand processing system.As shown in Figure 1, the inter-bank is without card enchashment demand processing system
Include: intelligent terminal 1, issuers server 2, third-party server 3, receive uniline server 4,5 (ATM of self-help drawing money equipment
Machine).
Wherein, intelligent terminal 1 is connect by wireless network with issuers server 2；Issuers server 2 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 2, the connection of acquirer's server 4 carry out data interaction, forwarding；Uniline server 4 is received to set by cable network and self-help drawing money
Standby 5 (ATM machine) carry out data interaction.
As shown in Fig. 2, intelligent terminal 1, can be smart phone, tablet computer or other similar band wireless communication module
Transportable equipment.Other than the conventional modules such as keyboard, display screen, wireless communication module, further include on intelligent terminal 1
Some functional modules, these modules can be made app software, be deployed in smart phone, tablet computer or other similar dress
It sets, can also be used as hardware device and be deployed on intelligent terminal.Bank's encryption/decryption module 11 is mounted on intelligent terminal 1, silver
Row encryption/decryption module 11 can be an encryption and decryption control, can also use hardware encryption chip.Bank's encryption/decryption module 11 is main
It is responsible for the data safety that intelligent terminal 1 is interacted with issuers server 2, the control or chip are provided by bank, are used
In the information for sending reservation withdrawal request to bank server and reception bank returns.
It is also mounted on intelligent terminal 1 and tests close module 12, before client carries out above-mentioned reservation using the intelligent terminal 1, tested close
Module 12 needs to verify the identity of client, in the reservation stage, tests the identity that close module 12 is still responsible for verification client.When client to
When bank initiates reservation application, it can be verified by way of input static password, dynamic verification code, short message verification code,
Identity can also be verified by modes such as fingerprint recognition, recognition of face, iris recognitions.
It is also mounted on intelligent terminal 1 and shows withdrawal account module 13, client is taken in intelligent terminal 1 by the modules exhibit
Money account, it can be the substitution of account, implementation include but is not limited to include: that credit card issuer dynamic generation replaces account only
One identification code, the two dimensional code, the withdrawal card number that identify account etc..After the proof of identity for testing the close execution of module 12 passes through, displaying is taken
Money account module 13 just can be carried out aforesaid operations.
As shown in figure 3, self-help drawing money equipment 5 is by cable network and receives the progress data interaction of uniline server 4, by sweeping
It retouches or client is manually entered and carries out data interaction with intelligent terminal 1, and the substitution that can read the displaying of intelligent terminal 1 is withdrawn the money
Account unique identification is simultaneously uploaded to the receipts initiation inter-bank of uniline server 4 without card withdrawal request, which follows unified rule
Model, to prevent request message from can not be identified by receipts uniline server 4.
Include bank's encryption/decryption module 51 in self-help drawing money equipment 5, read withdrawal account identification module 52 and spit paper money module
53。
Bank's encryption/decryption module 51 can be an encryption and decryption control, can also use hardware encryption chip.It is mainly responsible for
Self-help drawing money equipment 5 and intelligent terminal 1 receive the data safety that uniline server 4 interacts, and the control or chip are by bank
It provides.
Withdrawal account identification module 52 is read, is responsible for interacting with the progress of intelligent terminal 1 data safety, reads and show withdrawal account
The data of family module 13, and pass to self-help drawing money equipment 5 and initiate without card withdrawal transaction.
Paper money module 53 is spat, is responsible for receiving the instruction for receiving uniline server 4, and according to the instruction of receipts uniline server 4 to visitor
Spit the banknote of specified quantity in family.
As shown in figure 4, issuers server 2 is responsible for carrying out data interaction by wireless network and intelligent terminal 1, and pass through
Cable network and third-party server 3 carry out data interaction.Before initiating to withdraw the money without card, issuers server 2 generates substitution and takes
The unique identification of money account, unique identification include but is not limited to include: withdrawal card number, a string of character strings, static two dimensional code, figure
The static identities such as piece, face figure, fingerprint, iris are also possible to the password of dynamic change, the two dimensional code of dynamic change, short message
The dynamic marks such as identifying code.Issuers server 2 is presented to client for intelligent terminal 1 is sent to after above-mentioned data encryption, self-service
Withdrawal equipment 5 can scan the unique identification of the displaying of intelligent terminal 1 or client manually enters uniquely in self-help drawing money equipment 5
Mark, self-help drawing money equipment 5 read the unique identification and initiate inter-bank without card withdrawal request, and then, issuers server 2 need to be in intelligence
Client identity can be verified in equipment 1, if verification passes through, 2 pairs of withdrawal accounts of issuers server carry out button account processing, and will processing
As a result it returns and receives uniline server 4.
As shown in figure 4, including data transceiving unit 21, external connection communication unit 22, account identification life in issuers server 2
At unit 23, identity validation unit 24 and accounting processing unit 25.
Data transceiving unit 21 is responsible for safely carrying out data interaction with intelligent terminal 1, carries out encryption solution to interaction data
It is close.
External connection communication unit 22 is responsible for the data interaction of processing issuers server 2 and third-party server 3, to interaction
Data carry out encryption and decryption processing.
Account identification generation unit 23, is responsible for generating the unique identification of dynamic withdrawal account, the mark include dynamic marks and
Static identity identifies acquisition request to issuers server when client clicks to send when inter-bank is withdrawn the money without card in intelligent terminal 1, by
Issuers server 2 generates the mark, then shows or be communicated to self-help drawing money equipment 5 by intelligent terminal 1.
Identity validation unit 24 is responsible for confirmation remittee's identity, than such as whether withdrawing the money for account holder.It is opened by verifying
The password of the safety certifications data such as password, fingerprint, facial image, iris, vein, the vocal print reserved when family or dynamic change,
Short message verification code, mail verifying etc. confirm remittee's identity.Button account processing is then executed if the verification passes；Otherwise it does not do any
Processing, transaction terminate.
Accounting processing unit 25 is responsible for account and detains account processing, notifies that receiving uniline server 4 is handled if withholing successfully.
As shown in figure 5, receiving includes data transceiving unit 41, external connection communication unit 42 and withdrawal processing in uniline server 4
Unit 43.
Data transceiving unit 41 is responsible for interacting with the progress of self-help drawing money equipment 5 data safety, and is added to interaction data
Close decryption.
External connection communication unit 42, the data interaction being responsible between processing receipts uniline server 4 and third-party server 3, and
Encryption and decryption processing is carried out to interaction data.
Withdrawal processing unit 43 is responsible for inter-bank that processing self-help drawing money equipment 5 is initiated without card withdrawal request, and by the request
2 accounting processing unit 25 of issuers server is transmitted to by third-party server 3 and executes button account processing, is led to if button account success
Know that helping withdrawal equipment 5 to spit the execution of paper money module 53 spits paper money.
This application provides a kind of inter-bank realized based on mark without card enchashment method, can be applied to above-mentioned inter-bank without card
Cash withdrawal system, as shown in fig. 6, this method comprises:
S601:ATM machine receives inter-bank and instructs without card withdrawal.
In one embodiment, client A bank (credit card issuer) site open Mobile banking or Web bank or its
When his e-bank's channel, safety identification authentication data are reserved, can be password, fingerprint, facial image, iris, vein, vocal print
Etc. safety certifications data.
The client of A bank wants to withdraw the money, but with it without band bank card, and nearby without the ATM machine of A bank, client
Wish to carry out inter-bank in the ATM machine of B bank (receive uniline) nearby without card enchashment, first client clicked in ATM machine " inter-bank without
Card is withdrawn the money " without card withdrawal instruction, ATM machine reads withdrawal account unique identification after receiving the instruction, reads button generation inter-bank
Mode can be inputted by keyboard into ATM to scan the withdrawal account unique identification two dimensional code on Client handset or reading client
The dynamic password etc. of machine.
S602:ATM machine based on withdraw the money instruct obtain enchashment account unique identification, unique identification include: dynamic marks and
Static identity, dynamic marks are generated by issuers server.
In one embodiment, client is before withdrawing the money, first to credit card issuer on intelligent terminal (mobile phone, iPad etc.)
Server initiates mark acquisition request, identifies in acquisition request and contains the information such as the account of withdrawal account, issuers server
It receives and withdrawal account unique identification is generated according to the information of withdrawal account after the identification request, and the mark is back to client
Intelligent terminal on, withdrawal account unique identification can be dynamic password, two dimensional code, short message verification code, mail verifying etc., or
Static identities such as character string, picture, two dimensional code, face figure, fingerprint, the iris of person's static state setting etc..
S603:ATM machine is taken to issuing bank's server transmission inter-bank without card according to unique identification by receiving uniline server
Money request, so that unique identification is converted to corresponding withdrawal account by issuing bank's server, carries out withdrawal verifying, and verifying
Account operation is detained by rear execution.
In one embodiment, ATM machine has read withdrawal account unique identification, contains account information in mark, so
The inter-bank comprising unique identification is generated afterwards and is sent to B bank server without card withdrawal request (message), which asks without card withdrawal
Ask the format of (message) that can identify for unified format so as not to same interbank.B bank server is by inter-bank without card withdrawal request
(message) sends A bank server to by third-party server, and A bank server is converted to the unique identification in the request
Corresponding withdrawal account, and withdrawal verifying is carried out to the withdrawal account, including the verifying account whether there is risk, whether be frozen
Knot and the account in remaining sum whether be greater than withdrawal amount etc., as check it is errorless if by identity validation unit 24 judgement withdraw the money
Whether people withdraws the money account account holder, opens Mobile banking or Web bank or other e-banks in bank outlets by client
When channel reserve safety identification authentication data judged, safety identification authentication data can be password, fingerprint, recognition of face,
Iris, vein, vocal print etc..When client, which handles inter-bank, to withdraw the money without card, need to verify client identity, acquisition visitor in intelligent terminal 1
Then the identification authentication data at family passes through identity validation unit 24 and is compared with reserved safety identification authentication data, complete identity
Verifying.25 pairs of withdrawal accounts of accounting processing unit carry out detaining account processing, and button account result is transmitted to receipts list by third-party server 3
Row server 4 (B bank server) notifies ATM machine (self-help drawing money equipment), spits paper money module 53 if button account success and handles, such as
Detaining account failure, then ATM machine prompts client.
In one embodiment, unique identification of the ATM machine based on instruction acquisition enchashment account of withdrawing the money in S602, comprising:
The unique identification of enchashment account is obtained by code keyboard, camera or living things feature recognition equipment.
In one embodiment, account unique identification divides static identity and dynamic marks.Static identity includes but unlimited
In including a string of character strings, the static identities such as static two dimensional code, picture, face figure, fingerprint, iris, these static identities are logical
Cross code keyboard, camera or self-help drawing money equipment living things feature recognition equipment obtain and on send receive uniline server 4 into
Row processing.Dynamic marks include but is not limited to the password for including dynamic change, the two dimensional code of dynamic change, short message verification code, postal
Part verifying etc., dynamic marks send intelligent terminal 1 to by 2 dynamic generation of issuers server, and show on intelligent terminal 1
To client, perhaps sends an SMS on Client handset or be sent in client's mailbox through mail, Ke Hu through telecom operators
Account unique identification is inputted on the input equipments such as the keyboard of self-help drawing money equipment 5.
In one embodiment, a kind of inter-bank realized based on mark is without card enchashment processing method further include:
Whether S604:ATM machine can normally execute this based on the detection instruction detection equipment of itself for receiving uniline server
No card enchashment operation；To receipts uniline server feedback testing result.
In one embodiment, receive uniline server 4 handle ATM machine upload inter-bank without card withdrawal request, then to
Whether ATM machine sends out detection instruction, allow ATM machine to check oneself cash box remaining sum sufficient, and whether spit paper money equipment normal, checks errorless then by the
The processing of 3 forwarding card row server 2 of tripartite's server.
The application is based on above-mentioned inter-bank and additionally provides a kind of corresponding ATM machine without card enchashment method, as shown in fig. 7, comprises:
Instruction receiving unit 701 is instructed for receiving inter-bank without card withdrawal；Mark acquiring unit 702, for based on withdrawal
Instruction obtains the unique identification of enchashment account, and unique identification includes: dynamic marks and static identity, and dynamic marks are taken by credit card issuer
Business device generates, and the function of reading withdrawal account identification module 52 may be implemented；Request transmitting unit 703, for according to unique mark
Know and sends inter-bank without card withdrawal request, so that issuing bank's server will only to issuing bank's server by receiving uniline server
One mark is converted to corresponding withdrawal account, carries out withdrawal verifying, and button account operation is executed after being verified.
In one embodiment, mark acquiring unit 702 is specifically used for:
The unique identification of enchashment account is obtained by code keyboard, camera or living things feature recognition equipment.
In one embodiment, a kind of ATM machine provided by the present application further include:
Detection unit 704, 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；
Testing result feedback unit 705 is used for receipts uniline server feedback testing result.
As shown in figure 8, the inter-bank this application provides another kind based on mark realization is without card enchashment processing method, comprising:
S801: issuers server receives ATM machine by receiving the inter-bank of uniline server forwarding without card withdrawal request, inter-bank
It include the unique identification of corresponding enchashment account in no card withdrawal request.
In one embodiment, ATM machine is sent after withdrawal customer acquisition account unique identification to B bank server
Inter-bank contains unique identification in request, B bank server forwards the request to A after A bank server without card withdrawal request
Bank server obtains unique identification.
S802: unique identification is converted to corresponding withdrawal account by issuers server, and carries out withdrawal verifying；If tested
Card passes through, and executes button account operation.
In one embodiment, A bank server extracts withdrawal account information from unique identification, then to the information
Carry out withdrawal verifying, including the verifying account with the presence or absence of risk, whether the remaining sum in the frozen and account is greater than
Withdrawal amount etc., it is as errorless in checked, judge that whether remittee withdraws the money account account holder, passes through visitor by identity validation unit 24
Safety identification authentication data are reserved when bank outlets open Mobile banking or Web bank or other e-bank's channels in family
Judged, safety identification authentication data can be password, fingerprint, recognition of face, iris, vein, vocal print etc..When client handles
It when inter-bank is withdrawn the money without card, needs to verify client identity in intelligent terminal 1, acquires the identification authentication data of client and then pass through identity
Confirmation unit 24 is compared with reserved safety identification authentication data, completes authentication.25 pairs of withdrawal accounts of accounting processing unit
Family carries out button account processing, and button account result is transmitted to by third-party server 3 and receives uniline server 4 (B bank server), notice
ATM machine (self-help drawing money equipment) is spat paper money module 53 if button account success and is handled, and ATM machine prompts client if button account failure.
Based on above-mentioned inter-bank enchashment method, this application provides a kind of corresponding inter-bank without card enchashment processing unit, such as Fig. 9
It is shown, comprising:
Request reception unit 901, for receiving ATM machine by receiving the inter-bank of uniline server forwarding without card withdrawal request,
Inter-bank is without the unique identification in card withdrawal request including corresponding enchashment account；
Converting unit 902 for unique identification to be converted to corresponding withdrawal account, and carries out withdrawal verifying；Detain bill
Member, for executing button account operation.
As shown in Figure 10, the inter-bank this application provides another kind based on mark realization is without card enchashment processing method, comprising:
S1001: it receives uniline server reception ATM machine and is asked based on the inter-bank that the unique identification of enchashment account is sent without card withdrawal
It asks, inter-bank is without the unique identification in card withdrawal request including corresponding enchashment account.
In one embodiment, ATM machine has read withdrawal account unique identification, contains account information in mark, so
The inter-bank comprising unique identification is generated afterwards and is sent to B bank server without card withdrawal request (message), which asks without card withdrawal
Ask the format of (message) that can identify for unified format so as not to same interbank.B bank server is by inter-bank without card withdrawal request
(message) sends A bank server to by third-party server.
Whether S1002: 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, receive uniline server 4 handle ATM machine upload inter-bank without card withdrawal request, then to
Whether ATM machine sends out detection instruction, allow ATM machine to check oneself cash box remaining sum sufficient, and it is whether normal etc. to spit paper money equipment.
S1003: inter-bank is forwarded to issuers server without card withdrawal request if so, receiving uniline server.
In one embodiment, if the detection of ATM machine passes through, receiving uniline server will be across by third-party server
Row is forwarded to issuers server without card withdrawal request.
Based on above-mentioned inter-bank without card enchashment method, present invention also provides a kind of inter-bank to request processing unit without card enchashment,
As shown in figure 11, comprising:
Request reception unit 1101, for receiving the inter-bank of unique identification transmission of the ATM machine based on enchashment account without card
Withdrawal request, inter-bank is without the unique identification in card withdrawal request including corresponding enchashment account；Detection unit 1102, for being based on
Inter-bank is operated without whether card withdrawal request detection ATM machine can normally execute this without card enchashment；Retransmission unit 1103, being used for will
Inter-bank is forwarded to issuers server without card withdrawal request.
Present invention also provides a kind of inter-bank realized based on mark without card enchashment processing system as shown in figure 12, comprising:
Intelligent terminal 121, ATM machine 125, receives uniline server 124 and issuers server 122 at third-party server 123；Intelligence is eventually
End 121 is connect by wireless network with issuers server 122, and issuers server 122 is taken by cable network and third party
Device 123 be engaged in the connection of uniline server 124 is received, receives uniline server 124 and is connect by cable network with ATM machine 125；
Intelligent terminal 121 for sending mark acquisition request to issuers server 122, and receives issuers server
The unique identification of the 122 enchashment accounts returned；Wherein, unique identification includes: dynamic marks and static identity, and dynamic marks are by sending out
Card row server 122 generates；
ATM machine 125, for instructing the unique identification for obtaining enchashment account based on withdrawing the money, and it is single to receiving according to unique identification
Row server 124 initiates inter-bank without card withdrawal request；
Uniline server 124 is received, for receiving the inter-bank of unique identification transmission of the ATM machine 125 based on enchashment account without card
Withdrawal request；
Issuers server 122, for receive receive uniline server 124 forward inter-bank without card withdrawal request, will be unique
Mark is converted to corresponding withdrawal account, and carries out withdrawal verifying, and button account operation is executed after being verified.
In one embodiment, uniline server 124 is received to be also used to send detection instruction to ATM machine 125.
In one embodiment, ATM machine 125 is also used to detect equipment of itself based on the detection instruction for receiving uniline server 124
This whether can be normally executed to operate without card enchashment.
Realization method and device of the inter-bank without card enchashment provided by the present application, carried out in the case where realizing without card across
Row is withdrawn the money, and is needed credit card issuer and is received uniline cooperation to carry out the system reform, facilitate user, optimize user experience, make inter-bank
Without card withdrawal, this mode comes true.
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 13, the electronic equipment specifically includes following content:
Processor (processor) 1301, memory (memory) 1302, communication interface (Communications
Interface) 1303 and bus 1304；
Wherein, the processor 1301, memory 1302, communication interface 1303 are completed each other by the bus 1304
Communication；
The processor 1301 is used to call computer program in the memory 1302, 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:
S601:ATM machine receives inter-bank and instructs without card withdrawal.
S602:ATM machine based on withdraw the money instruct obtain enchashment account unique identification, unique identification include: dynamic marks and
Static identity, dynamic marks are generated by issuers server.
S603:ATM machine is taken to issuing bank's server transmission inter-bank without card according to unique identification by receiving uniline server
Money request, so that unique identification is converted to corresponding withdrawal account by issuing bank's server, carries out withdrawal verifying, and verifying
Account operation is detained by rear execution.
Whether S604:ATM machine can normally execute this based on the detection instruction detection equipment of itself for receiving uniline server
No card enchashment operation；To receipts uniline server feedback testing result.
S801: issuers server receives ATM machine by receiving the inter-bank of uniline server forwarding without card withdrawal request, inter-bank
It include the unique identification of corresponding enchashment account in no card withdrawal request.
S802: unique identification is converted to corresponding withdrawal account by issuers server, and carries out withdrawal verifying；If tested
Card passes through, and executes button account operation.
S1001: it receives uniline server reception ATM machine and is asked based on the inter-bank that the unique identification of enchashment account is sent without card withdrawal
It asks, inter-bank is without the unique identification in card withdrawal request including corresponding enchashment account.
Whether S1002: this nothing can normally be executed without card withdrawal request detection ATM machine by receiving uniline server based on inter-bank
Card enchashment operation.
S1003: inter-bank is forwarded to issuers server without card withdrawal request if so, receiving uniline server.
As can be seen from the above description, electronic equipment provided by the present application, passes through.
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:
S601:ATM machine receives inter-bank and instructs without card withdrawal.
S602:ATM machine based on withdraw the money instruct obtain enchashment account unique identification, unique identification include: dynamic marks and
Static identity, dynamic marks are generated by issuers server.
S603:ATM machine is taken to issuing bank's server transmission inter-bank without card according to unique identification by receiving uniline server
Money request, so that unique identification is converted to corresponding withdrawal account by issuing bank's server, carries out withdrawal verifying, and verifying
Account operation is detained by rear execution.
Whether S604:ATM machine can normally execute this based on the detection instruction detection equipment of itself for receiving uniline server
No card enchashment operation；To receipts uniline server feedback testing result.
S801: issuers server receives ATM machine by receiving the inter-bank of uniline server forwarding without card withdrawal request, inter-bank
It include the unique identification of corresponding enchashment account in no card withdrawal request.
S802: unique identification is converted to corresponding withdrawal account by issuers server, and carries out withdrawal verifying；If tested
Card passes through, and executes button account operation.
S1001: it receives uniline server reception ATM machine and is asked based on the inter-bank that the unique identification of enchashment account is sent without card withdrawal
It asks, inter-bank is without the unique identification in card withdrawal request including corresponding enchashment account.
Whether S1002: this nothing can normally be executed without card withdrawal request detection ATM machine by receiving uniline server based on inter-bank
Card enchashment operation.
S1003: inter-bank is forwarded to issuers server without card withdrawal request if so, receiving uniline server.
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 realized based on mark is without card enchashment processing method characterized by comprising
Inter-bank is received to instruct without card withdrawal；
The unique identification of enchashment account is obtained based on the instruction of withdrawing the money, the unique identification includes: dynamic marks and static mark
Know, the dynamic marks are generated by issuers server；
Inter-bank is sent without card withdrawal request to issuing bank's server by receiving uniline server according to the unique identification, so that
The unique identification is converted to corresponding withdrawal account by issuing bank's server, carries out withdrawal verifying, and logical in verifying
Later button account operation is executed.
2. processing method according to claim 1, which is characterized in that described to obtain enchashment account based on withdrawal instruction
Unique identification, comprising:
The unique identification of enchashment account is obtained by code keyboard, camera or living things feature recognition equipment.
3. processing method according to claim 1, which is characterized in that further include:
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；
To the receipts uniline server feedback testing result.
4. a kind of ATM machine characterized by comprising
Instruction receiving unit is instructed for receiving inter-bank without card withdrawal；
Mark acquiring unit, for obtaining the unique identification of enchashment account based on the instruction of withdrawing the money, the unique identification includes:
Dynamic marks and static identity, the dynamic marks are generated by issuers server；
Request transmitting unit, for sending inter-bank to issuing bank's server by receiving uniline server according to the unique identification
It is taken without card withdrawal request so that the unique identification is converted to corresponding withdrawal account by issuing bank's server
Money verifying, and button account operation is executed after being verified.
5. ATM machine according to claim 4, which is characterized in that the mark acquiring unit is specifically used for:
The unique identification of enchashment account is obtained by code keyboard, camera or living things feature recognition equipment.
6. ATM machine according to claim 4, which is characterized in that further include:
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；
Testing result feedback unit is used for the receipts uniline server feedback testing result.
7. a kind of inter-bank realized based on mark is without card enchashment processing method characterized by comprising
ATM machine is received by receiving the inter-bank of uniline server forwarding without card withdrawal request, the inter-bank in card withdrawal request without wrapping
Unique identification containing corresponding enchashment account；
The unique identification is converted into corresponding withdrawal account, and carries out withdrawal verifying；
If the verification passes, button account operation is executed.
8. a kind of inter-bank realized based on mark is without card enchashment processing unit characterized by comprising
Request reception unit, for receiving ATM machine by receiving the inter-bank of uniline server forwarding without card withdrawal request, the inter-bank
It include the unique identification of corresponding enchashment account in no card withdrawal request；
Converting unit for the unique identification to be converted to corresponding withdrawal account, and carries out withdrawal verifying；
Bill member is detained, for executing button account operation.
9. a kind of inter-bank realized based on mark is without card enchashment processing method characterized by comprising
The inter-bank of unique identification transmission of the ATM machine based on enchashment account is received without card withdrawal request, the inter-bank is asked without card withdrawal
It include the unique identification of corresponding enchashment account in asking；
Detect whether the ATM machine can normally execute this without card enchashment operation without card withdrawal request based on the inter-bank；
If so, the inter-bank is forwarded to issuers server without card withdrawal request.
10. a kind of inter-bank realized based on mark is without card enchashment processing unit characterized by comprising
Request reception unit, the inter-bank sent based on the unique identification of enchashment account for receiving ATM machine without card withdrawal request,
The inter-bank is without the unique identification in card withdrawal request including corresponding enchashment account；
Detection unit, for detecting whether the ATM machine can normally execute this nothing without card withdrawal request based on the inter-bank
Card enchashment operation；
Retransmission unit, for the inter-bank to be forwarded to issuers server without card withdrawal request.
11. it is a kind of based on mark realize inter-bank 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 mark acquisition request to issuers server, and receives the issuers server and returns
The unique identification for the enchashment account returned；Wherein, the unique identification includes: dynamic marks and static identity, the dynamic marks
It is generated by issuers server；
The ATM machine, for instructing the unique identification for obtaining enchashment account based on withdrawing the money, and it is single to receiving according to the unique identification
Row server initiates inter-bank without card withdrawal request；
The receipts uniline server is asked based on the inter-bank that the unique identification of enchashment account is sent without card withdrawal for receiving ATM machine
It asks；
The issuers server, for receiving the inter-bank for receiving the forwarding of uniline server without card withdrawal request, by described in only
One mark is converted to corresponding withdrawal account, and carries out withdrawal verifying, and button account operation is executed after being verified.
12. inter-bank according to claim 11 is without card enchashment processing system, which is characterized in that the receipts uniline server is also
For sending detection instruction to the ATM machine.
13. inter-bank according to claim 12 is without card enchashment processing system, which is characterized in that the ATM machine is also used to base
It is operated in whether the detection instruction detection equipment of itself for receiving uniline server can normally execute this without card enchashment.
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 realized when executing described program described in any one of claims 1 to 3,7,9 across
Row is 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 inter-bank described in any one of claims 1 to 3,7,9 without card enchashment processing method when processor executes.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910603650.8A CN110322235A (en) | 2019-07-05 | 2019-07-05 | It is a kind of based on mark realize inter-bank without card enchashment processing method and processing device |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910603650.8A CN110322235A (en) | 2019-07-05 | 2019-07-05 | It is a kind of based on mark realize inter-bank without card enchashment processing method and processing device |
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| CN110322235A true CN110322235A (en) | 2019-10-11 |
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Application publication date: 20191011 |