CN115359604A - Card-free cash withdrawal system and method based on optical communication technology - Google Patents
Card-free cash withdrawal system and method based on optical communication technology Download PDFInfo
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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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- 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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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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]
- G07F19/209—Monitoring, auditing or diagnose of functioning of ATMs
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04B—TRANSMISSION
- H04B10/00—Transmission systems employing electromagnetic waves other than radio-waves, e.g. infrared, visible or ultraviolet light, or employing corpuscular radiation, e.g. quantum communication
- H04B10/11—Arrangements specific to free-space transmission, i.e. transmission through air or vacuum
- H04B10/114—Indoor or close-range type systems
- H04B10/116—Visible light communication
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Abstract
The invention relates to the technical field of card-free cash withdrawal, and discloses a card-free cash withdrawal system based on an optical communication technology, which comprises: ATM, ATM backstage, APP backstage, authentication service module and flash of light module. This no card cash withdrawal system and method based on optical communication technique, through utilizing the characteristic that light can carry out data transmission, transmit the flashing code for light receiving module through the cell-phone flash light, authentication service module is to module ID, flashing code and token authenticate, the authentication passes through, then user identity is confirmed, after confirming customer's identity, need the customer to input the password of withdrawing money and withdraw money and operate, and simultaneously, through having combined APP mobile payment's scheme on the basis that original ATM withdrawed money, flashing module and authentication service module have been increased simultaneously, when improving customer and withdrawing money convenience, the interaction of ATM equipment and extranet and other equipment module is reduced as far as possible, user experience has been improved to the greatest extent under the prerequisite of not sacrificing security.
Description
Technical Field
The invention relates to the technical field of non-card cash withdrawal, in particular to a non-card cash withdrawal system and a non-card cash withdrawal method based on an optical communication technology.
Background
The optical communication technology is a communication mode using optical waves as transmission media, and optical waves and radio waves belong to electromagnetic waves, but the frequency of optical waves is higher than that of radio waves, and the wavelength of optical waves is shorter than that of radio waves, so that the optical communication technology has the advantages of wide transmission frequency band, large communication capacity, strong anti-electromagnetic interference capability and the like.
The existing current collection and presentation mode generally adopts an IC card mode, a card needs to be additionally carried, the carrying is inconvenient, read-write equipment needs to be additionally installed for RFID and NFC, only a part of high-end mobile phones are internally provided with NFC modules, the popularization is not realized, meanwhile, external equipment needs to be additionally arranged for biological identification, the manufacturing cost is higher, the configuration requirement on the ATM is higher, and the risk that a living body detection and identification algorithm is attacked exists, so that the card-free current collection and presentation system and method based on the optical communication technology are provided for solving the problems.
Disclosure of Invention
Technical problem to be solved
Aiming at the defects of the prior art, the invention provides a card-free cash withdrawal system and a card-free cash withdrawal method based on an optical communication technology, which have the advantages of transporting the optical communication technology to an ATM (automatic teller machine) for withdrawing cash without a card and the like, and solve the problems that the existing cash withdrawal method generally passes through an IC (integrated circuit) card mode, a card needs to be additionally carried, the existing cash withdrawal system is inconvenient to carry, RFID (radio frequency identification) and NFC (near field communication) need to be additionally provided with read-write equipment, only partial high-end mobile phones are internally provided with NFC modules, and the existing RFID and NFC are not popularized, meanwhile, the biological identification needs to be additionally provided with peripheral equipment, the manufacturing cost is higher, the configuration requirement on the ATM is higher, and the risk of being attacked by a living body detection and identification algorithm exists.
(II) technical scheme
In order to achieve the purpose, the invention provides the following technical scheme: a card-free cash withdrawal system based on an optical communication technology comprises:
the ATM is used for clicking the flash withdrawal button to carry out withdrawal operation and initiating a request to the ATM background, the ATM polls the flash withdrawal result to the ATM background within a certain time, and meanwhile, after the ATM obtains the polling result, the ATM can finish cash outlet action and return the result;
the ATM background is used for determining an ATM for taking money according to the flash module ID (the system is matched with the ATM in advance by the module ID), returning the userId and the withdrawal amount to the ATM, displaying the userId and the withdrawal amount on the ATM, and starting a password verification process after a user confirms that the user does not have a mistake;
the APP is used for flashing once, the userId and the withdrawal amount of money of the operation can be sent to an APP background, the APP can be used for calling flashing to fetch the SDK, flashing is initiated, the token is sent to the flashing to fetch the SDK, the flashing to fetch the SDK is sent to the token, and after the withdrawal is completed, the APP is used for prompting a client whether the withdrawal is successful according to the return of the APP background;
the APP background is used for generating a unique token (the userId and the amount can be found according to the token), returning the token to the APP, finding the userId and the amount according to the token, and sending the userId, the amount and the flash module ID to the ATM background;
the authentication service module is used for receiving the token sent by the flash light acquisition SDK, sending the flash code back to the flash light acquisition SDK, generating a unique flash code, searching the token by the authentication service according to the flash code, completing flash light authentication, and sending the token and the flash module ID to the APP background;
and the flash module is used for sending the flash code and the flash module ID back to the authentication service module after receiving the flash code.
Further, the App background may generate a unique token = sha1 (userId + amount + timestamp + 8-bit random number) from userId, amount, timestamp, and so on.
Further, the flash fetch SDK is a control embedded in the APP.
Another technical problem to be solved by the present invention is to provide a card-free cash-out method based on optical communication technology, which includes the following steps:
1) The user clicks a flash withdrawal button on the ATM, the ATM sends a request to the ATM background, and the ATM polls the flash withdrawal result to the ATM background within a certain time;
2) The user opens the bank APP, clicks the flash after inputting the money amount, and the APP sends the userId and the money amount to be withdrawn to the APP background;
3) The APP background generates a unique token (the userId and the amount can be found according to the token), and the token is returned to the APP;
4) Calling the flash light acquisition SDK by the APP, initiating flash light, and transmitting token to the flash light acquisition SDK;
5) The flash SDK is used for sending the token to an authentication service;
6) The authentication service module generates a unique flash code (token can be found according to the flash code), and sends the flash code back to the flash access SDK;
7) The SDK is taken out to flash to drive a mobile phone flash lamp, and a flash code is emitted;
8) After receiving the flash code, the flash module sends the flash code and the flash module ID back to the authentication service module;
9) The authentication service module finds the token according to the flash code, finishes flash authentication and sends the token and the flash module ID to the APP background;
10 The APP background checks the userId and the amount of money according to the token and sends the userId, the amount of money and the flash module ID to the ATM background;
11 The ATM background determines the ATM for getting money according to the flash module ID (the system matches the module ID with the ATM in advance), returns the module ID to the ATM userId and the withdrawal amount (namely, finishes the polling initiated in the step 1), displays the value on the ATM, and initiates a password verification process after the user confirms that no error exists;
12 The customer inputs a withdrawal password, and the ATM performs verification in the background;
13 After the password verification is passed, the ATM background accounts the userId and the amount row, and the ATM initiates a cash-out flow after the accounting is successful;
14 The ATM finishes the cash-out action and returns the result after obtaining the polling result;
15 The APP prompts the customer whether the withdrawal is successful according to the return of the APP background.
(III) advantageous effects
Compared with the prior art, the invention provides a card-free cash-out system and method based on the optical communication technology, which have the following beneficial effects:
1. the system and the method for the non-card cash withdrawal based on the optical communication technology transport the optical communication technology to the ATM for non-card cash withdrawal, wherein the characteristic that data transmission can be carried out by utilizing light is utilized, the flash codes are transmitted to the light receiving module through the mobile phone flash lamp, the module ID, the flash codes and the token are authenticated by the authentication service module, the user identity is confirmed after the authentication is passed, and the user needs to input a cash withdrawal password to withdraw cash after the user identity is confirmed, so that the system and the method are convenient to use and improve the practicability.
2. According to the card-free cash withdrawal system and method based on the optical communication technology, the scheme of APP mobile payment is combined on the basis of withdrawing money from an original ATM, the flash module and the authentication service module are added, the convenience of withdrawing money from a customer is improved, interaction between an ATM device and an external network and interaction between the ATM device and other device modules are reduced as much as possible, the possibility of attack is reduced, and user experience is improved to the maximum extent on the premise of not sacrificing safety.
Drawings
Fig. 1 is a system diagram of a cardless presence-acquiring system and method based on optical communication technology according to the present invention;
fig. 2 is a timing diagram of the overall docking of the system and method for card-less presence capture based on optical communication technology.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without making any creative effort based on the embodiments in the present invention, belong to the protection scope of the present invention.
Referring to fig. 1-2, a cardless cash-fetching system based on optical communication technology includes:
the ATM is used for clicking the flash withdrawal button to withdraw money and initiating a request to the ATM background, the ATM polls the result of the flash withdrawal to the ATM background within a certain time, and meanwhile, after the ATM obtains the polling result, the ATM can finish the money outlet action and return the result;
the ATM background is used for determining an ATM for taking money according to the flash module ID (the system is matched with the ATM in advance by the module ID), returning the userId and the withdrawal amount to the ATM, displaying the userId and the withdrawal amount on the ATM, and starting a password verification process after a user confirms that the user does not have a mistake;
the APP is used for flashing once, the userId and the withdrawal amount of money of the operation can be sent to an APP background, the APP can be used for calling flashing to fetch the SDK, flashing is initiated, the token is sent to the flashing to fetch the SDK, the flashing to fetch the SDK is sent to the token, and after the withdrawal is completed, the APP is used for prompting a client whether the withdrawal is successful according to the return of the APP background;
the APP background is used for generating a unique token (the userId and the amount can be found according to the token), returning the token to the APP, finding the userId and the amount according to the token, and sending the userId, the amount and the flash module ID to the ATM background;
the authentication service module is used for receiving the token sent by the flash light acquisition SDK, sending the flash code back to the flash light acquisition SDK, generating a unique flash code, searching the token by the authentication service according to the flash code, completing flash light authentication, and sending the token and the flash module ID to the APP background;
and the flash module is used for sending the flash code and the flash module ID back to the authentication service module after receiving the flash code, and the flash module does not relate to sensitive information of any user in the whole interaction process and does not communicate with the ATM, so that the safe and independent operation of the ATM and the safety of user information are ensured without any leakage.
It should be noted that the App background may generate a unique token = sha1 (userId + amount + timestamp + 8-bit random number) according to userId, amount, timestamp, and the like.
Meanwhile, the flash takes the SDK as a control embedded in the APP.
The APP needs to acquire client information and communicates with the authentication service module through the APP background; the light receiving module is not connected with an ATM system by other wire harnesses except an ATM power supply, and the light receiving module does not intervene in the original ATM system, so that the independent and safe operation of the original ATM system is ensured; token and flash code have non-reusability, the security is higher; the optical communication signal transmission is not interfered by other outside, can be applied to an environment sensitive to electromagnetic induction and cannot be observed by human eyes; the spectrum of the optical communication can be used without authorization, so that the application is more flexible, and the optical communication can be combined to use or used independently.
A card-free cash-out method based on optical communication technology comprises the following steps:
1) The user clicks a flash withdrawal button on the ATM, the ATM initiates a request to the ATM background, and the ATM polls the result of the flash withdrawal to the ATM background within a certain time;
2) The user opens the bank APP, clicks the flash after inputting the money amount, and the APP sends the userId and the money amount to be withdrawn to the APP background;
3) The APP background generates a unique token (the userId and the amount can be found according to the token), and the token is returned to the APP;
4) Calling the flash light acquisition SDK by the APP, initiating flash light, and transmitting token to the flash light acquisition SDK;
5) The flash SDK is used for sending the token to an authentication service;
6) The authentication service module generates a unique flash code (token can be found according to the flash code), and sends the flash code back to the flash access SDK;
7) Flashing the SDK to drive a mobile phone flash lamp and transmitting a flash code;
8) After receiving the flash code, the flash module sends the flash code and the flash module ID back to the authentication service module;
9) The authentication service module finds the token according to the flash code, finishes flash authentication and sends the token and the flash module ID to the APP background;
10 The APP background checks the userId and the amount of money according to the token and sends the userId, the amount of money and the flash module ID to the ATM background;
11 The ATM background determines the ATM for getting money according to the flash module ID (the system matches the module ID with the ATM in advance), returns the module ID to the ATM userId and the withdrawal amount (namely, finishes the polling initiated in the step 1), displays the value on the ATM, and initiates a password verification process after the user confirms that no error exists;
12 The customer inputs a withdrawal password, and the ATM performs verification in the background;
13 After the password verification is passed, the ATM background accounts the userId and the amount row, and the ATM initiates a cash-out flow after the account is successfully accounted;
14 The ATM finishes the cash-out action and returns the result after obtaining the polling result;
15 The APP prompts the customer whether the withdrawal is successful according to the return of the APP background.
The invention has the beneficial effects that:
(1) This no card cash withdrawal system and method based on optical communication technique, through transporting optical communication technique in ATM no card withdrawal, wherein, utilize light can carry out data transmission's characteristic, transmit the flashing code for light receiving module through the cell-phone flash light, the authentication service module is to module ID, flashing code and token authentication, the authentication passes through, then user identity is confirmed, after confirming customer's identity, need the customer to input the password of withdrawing money and withdraw money the operation, convenient to use has improved the practicality.
(2) According to the card-free cash withdrawal system and method based on the optical communication technology, the scheme of APP mobile payment is combined on the basis of original ATM withdrawal, the flash module and the authentication service module are added, the convenience of withdrawal of a customer is improved, interaction between ATM equipment and an external network and interaction between ATM equipment and other equipment modules are reduced as much as possible, the possibility of attack is reduced, and user experience is improved to the maximum extent on the premise of not sacrificing safety.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (4)
1. A card-free cash withdrawal system based on an optical communication technology is characterized by comprising:
the ATM is used for clicking the flash withdrawal button to carry out withdrawal operation and initiating a request to the ATM background, the ATM polls the flash withdrawal result to the ATM background within a certain time, and meanwhile, after the ATM obtains the polling result, the ATM can finish cash outlet action and return the result;
the ATM background is used for determining an ATM for taking money according to the flash module ID (the system is matched with the ATM in advance by the module ID), returning the userId and the withdrawal amount to the ATM, displaying the userId and the withdrawal amount on the ATM, and starting a password verification process after a user confirms that the user does not have a mistake;
the APP is used for flashing once, the userId and the withdrawal amount of money of the operation can be sent to an APP background, the APP can be used for calling flashing to fetch the SDK, flashing is initiated, the token is sent to the flashing to fetch the SDK, the flashing to fetch the SDK is sent to the token, and after the withdrawal is completed, the APP is used for prompting a client whether the withdrawal is successful according to the return of the APP background;
the APP background is used for generating a unique token (the userId and the amount can be found according to the token), returning the token to the APP, finding the userId and the amount according to the token, and sending the userId, the amount and the flash module ID to the ATM background;
the authentication service module is used for receiving the token sent by the flash light acquisition SDK, sending the flash code back to the flash light acquisition SDK, generating a unique flash code, searching the token by the authentication service according to the flash code, completing flash light authentication, and sending the token and the flash module ID to the APP background;
and the flash module is used for sending the flash code and the flash module ID back to the authentication service module after receiving the flash code.
2. The card-free cash-out system based on the optical communication technology as claimed in claim 1, wherein the App background can generate a unique token according to userId, amount, timestamp and the like, and the token = sha1 (userId + amount + timestamp + 8-bit random number).
3. The system of claim 1, wherein the flash light pickup SDK is a control embedded in the APP.
4. A card-free cash withdrawal method based on an optical communication technology is characterized by comprising the following steps:
1) The user clicks a flash withdrawal button on the ATM, the ATM sends a request to the ATM background, and the ATM polls the flash withdrawal result to the ATM background within a certain time;
2) The user opens the bank APP, clicks the flash after inputting the money amount, and the APP sends the userId and the money amount to be withdrawn to the APP background;
3) The APP background generates a unique token (the userId and the amount can be found according to the token), and the token is returned to the APP;
4) Calling the flash light acquisition SDK by the APP, initiating flash light, and transmitting token to the flash light acquisition SDK;
5) The flash SDK is used for sending the token to an authentication service;
6) The authentication service module generates a unique flash code (token can be found according to the flash code), and sends the flash code back to the flash access SDK;
7) Flashing the SDK to drive a mobile phone flash lamp and transmitting a flash code;
8) After receiving the flash code, the flash module sends the flash code and the flash module ID back to the authentication service module;
9) The authentication service module finds the token according to the flash code, finishes flash authentication and sends the token and the flash module ID to the APP background;
10 The APP background checks the userId and the amount of money according to the token and sends the userId, the amount of money and the flash module ID to the ATM background;
11 The ATM background determines the ATM for getting money according to the flash module ID (the system matches the module ID with the ATM in advance), returns the module ID and the ATM userId and the withdrawal amount (namely finishing the polling initiated in the step 1), displays the withdrawal amount on the ATM, and initiates a password verification process after a user confirms that no error exists;
12 The customer inputs a withdrawal password, and the ATM performs verification in the background;
13 After the password verification is passed, the ATM background accounts the userId and the amount row, and the ATM initiates a cash-out flow after the account is successfully accounted;
14 The ATM finishes the cash-out action and returns the result after obtaining the polling result;
15 The APP prompts the customer whether the withdrawal is successful or not according to the return of the background of the APP.
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| CN110392065A (en) * | 2018-12-27 | 2019-10-29 | 上海创蓝文化传播有限公司 | Dodge the realization method and system for testing number certification SDK |
| CN111541656A (en) * | 2020-04-09 | 2020-08-14 | 中央电视台 | Identity authentication method and system based on converged media cloud platform |
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2022
- 2022-07-04 CN CN202210786503.0A patent/CN115359604A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102750785A (en) * | 2012-06-19 | 2012-10-24 | 中国工商银行股份有限公司 | ATM (Automatic Teller Machine) and security authentication system of ATM |
| CN105096111A (en) * | 2015-08-31 | 2015-11-25 | 宇龙计算机通信科技(深圳)有限公司 | No-card account transfer or withdrawal protection method and mobile phone system |
| CN110392065A (en) * | 2018-12-27 | 2019-10-29 | 上海创蓝文化传播有限公司 | Dodge the realization method and system for testing number certification SDK |
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