CN204557575U - A kind of bank self-help end device and Verification System - Google Patents
A kind of bank self-help end device and Verification System Download PDFInfo
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- CN204557575U CN204557575U CN201520299684.XU CN201520299684U CN204557575U CN 204557575 U CN204557575 U CN 204557575U CN 201520299684 U CN201520299684 U CN 201520299684U CN 204557575 U CN204557575 U CN 204557575U
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Abstract
The utility model provides a kind of bank self-help end device and Verification System, bank self-help end device comprises: certification medium information harvester, input media and data communication interface, described certification medium information harvester is all connected with described data communication interface with input media; Wherein, certification medium information harvester, gathers the certification medium information on the mobile terminal device of user, and user is by input media input authentication information, and described certification medium information and authentication information are sent to bank server by data communication interface.The utility model provides the terminal and the system that use Quick Response Code or sound wave to realize self-aided terminal enchashment, and the process of withdrawing the money at present that solves must use the problem of card in kind or other loaded down with trivial details information input, and ensure whole convenient without card enchashment process safety.
Description
Technical field
The utility model relates to banking terminal data processing technique, is a kind of bank self-help end device and Verification System concretely.
Background technology
In prior art, bank's industry is supported in self-aided terminal ATM and has withdrawn the money two kinds of patterns: 1, use bank card plug-in card in kind to withdraw the money to ATM; 2, utilize client to call (as cell-phone number or card number), the reservation code of client reservation and the random cipher of bank to carry out without card enchashment at ATM.
Using the first pattern bank card and bank card password to carry out, ATM withdraws the money is mode of withdrawing the money the most frequently used at present, client must hold and know that clip pin just can be withdrawn the money, do not having cannot carry out enchashment in bank card situation in kind, nor convenient card given other people and carry out interim or strange land enchashment.The second pattern provides easily without card enchashment function, but on ATM, manual input client's card number (or another name of corresponding card number), the reservation code of client reservation, the random cipher etc. of bank just can be withdrawn the money when this pattern needs client's enchashment, the content of manual input is more, client is easy to input error, bank is by sending the mode of random cipher note to client simultaneously, and short message content is easily peeped by people and caused potential safety hazard.
Utility model content
The utility model embodiment provides a kind of bank self-help end device, described bank self-help end device comprises: certification medium information harvester, input media and data communication interface, described certification medium information harvester is all connected with described data communication interface with input media; Wherein,
Certification medium information harvester, gathers the certification medium information on the mobile terminal device of user, and user is by input media input authentication information, and described certification medium information and authentication information are sent to bank server by data communication interface.
In the present embodiment, certification medium information harvester is: Quick Response Code scanister or sound collecting device.
Meanwhile, the utility model also provides a kind of bank self-help terminal authentication system, and described system comprises bank server and bank self-help end device, it is characterized in that, described bank self-help end device comprises:
Certification medium information harvester, input media and data communication interface, described certification medium information harvester is all connected with described data communication interface with input media; Wherein,
Certification medium information harvester, gathers the certification medium information on the mobile terminal device of user, and user is by input media input authentication information, and described certification medium information and authentication information are sent to bank server by data communication interface.
In the utility model embodiment, the certification medium information harvester of bank self-help terminal authentication system is: Quick Response Code scanister or sound collecting device.
The utility model provides the terminal and the system that use Quick Response Code or sound wave to realize self-aided terminal enchashment, and the process of withdrawing the money at present that solves must use the problem of card in kind or other loaded down with trivial details information input, and ensure whole convenient without card enchashment process safety.
For above and other object of the present utility model, feature and advantage can be become apparent, preferred embodiment cited below particularly, and coordinate institute's accompanying drawings, be described in detail below.
Accompanying drawing explanation
In order to be illustrated more clearly in the utility model embodiment or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only embodiments more of the present utility model, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is a kind of bank self-help end device schematic diagram disclosed in the utility model;
The schematic diagram of Fig. 2 bank self-help terminal authentication system disclosed in the utility model;
The block diagram of Fig. 3 bank self-help terminal authentication system disclosed in the utility model;
Fig. 4 is the system construction drawing of a kind of ATM data recognizing system of the utility model embodiment;
Fig. 5 is the process flow figure that Mobile banking in the utility model one embodiment generates certification medium of withdrawing the money;
Fig. 6 is the process flow figure being used Quick Response Code or sound wave certification medium by ATM in the utility model one embodiment.
Embodiment
Below in conjunction with the accompanying drawing in the utility model embodiment, be clearly and completely described the technical scheme in the utility model embodiment, obviously, described embodiment is only the utility model part embodiment, instead of whole embodiments.Based on the embodiment in the utility model, those of ordinary skill in the art are not making the every other embodiment obtained under creative work prerequisite, all belong to the scope of the utility model protection.
The utility model provides the terminal and the system that use Quick Response Code or sound wave to realize self-aided terminal enchashment, and the process of withdrawing the money at present that solves must use the problem of card in kind or other loaded down with trivial details information input, and ensure whole convenient without card enchashment process safety.
The utility model discloses a kind of bank self-help end device, as shown in Figure 1, bank self-help end device comprises: certification medium information harvester 101, input media 102 and data communication interface 103, certification medium information harvester 101 and input media 102 are all connected with described data communication interface 103; Wherein,
Certification medium information harvester 101 gathers the certification medium information on the mobile terminal device of user, and user is by input media input authentication information, and described certification medium information and authentication information are sent to bank server by data communication interface.
Certification medium information harvester in the utility model embodiment is: Quick Response Code scanister or sound collecting device.
Simultaneously, the utility model discloses a kind of bank self-help terminal authentication system, as shown in Figure 2, the schematic diagram of bank self-help terminal authentication system disclosed in the utility model, system comprises bank server 301 and bank self-help end device 302, and bank server 301 and bank self-help end device 302 communicate to connect, as shown in Figure 3, the block diagram of bank self-help terminal authentication system disclosed in the utility model, wherein
Described system comprises bank server and bank self-help end device, and bank self-help terminal comprises:
Certification medium information harvester, input media and data communication interface, certification medium information harvester is all connected with described data communication interface with input media; Wherein,
Certification medium information harvester, gathers the certification medium information on the mobile terminal device of user, and user is by input media input authentication information, and described certification medium information and authentication information are sent to bank server by data communication interface
The carrier of the certification medium information in the utility model embodiment is two-dimension code image or sound wave.
The use of the intelligent terminals such as current mobile phone, panel computer is very universal, and most of intelligent terminal all supports that network connects, and enters banking system and carries out associative operation.Meanwhile, Quick Response Code, sound wave, as a kind of brand-new information carrier technology, are progressively applied to multiple fields of people's life.The utility model is by the function of flexible utilization intelligent terminal, improved without the pattern of card enchashment by Mobile banking's reservation existing, as long as user has the intelligent terminal (as mobile phone) of network enabled function, just can get the Quick Response Code or information of acoustic wave preengage without card enchashment, verify data acquisition module is increased in the self-aided terminal (ATM) that current common support is withdrawn the money, the 2 D code information provided by scanning client or reception information of acoustic wave, obtain and resolve key element of withdrawing the money, completing whole process of withdrawing the money.
In the utility model embodiment, when client to arrive ATM carry out without card enchashment time, the service system of bank is logged in (as Mobile banking through wireless network by intelligent terminal (as mobile phone), WAP bank), in reservation without the card enchashment page, select card number or the account of enchashment, reservation date of expiry (system can be defaulted as 24:00 on the same day), withdraw funds, client reservation password (optional), bank's intelligent terminal server is sent to after submission, intelligent terminal server generates the certification medium string data of withdraw the money Quick Response Code or information of acoustic wave according to client's typing key element, turn back to Mobile banking's client application of intelligent terminal bank, two-dimension code image or the wave file of certification medium is generated according to certification medium string data, echo is to the intelligent terminal page, client just can arrive ATM according to certification medium and withdraw the money, when Customer Acquisition is with after preengaging the 2 D code information picture of withdrawing the money or information of acoustic wave file, the ATM of bank can be arrived, enter the page of withdrawing the money, the certification medium of the two-dimension code image on scanning intelligent terminal or broadcasting information of acoustic wave, input the reserving cipher (optional) of withdrawing the money, bank's background server is sent to after submission, bank's background server is resolved according to the verify data rule generated, obtain corresponding card number/account, the amount of money, the information such as reservation date of expiry, first whether expiredly verify data of withdrawing the money is verified, if not expired, and there is input reserving cipher, whether whether the reserving cipher then verifying input records when withdrawing the money apply for this reservation mates, verification is passed through, then withdraw funds is withholdd from the corresponding card number of client or account, return ATM terminal, complete note output process.
Fig. 4 is the system construction drawing of a kind of ATM data recognizing system of the utility model embodiment, as shown in Figure 4, ATM data recognizing system comprises intelligent terminal 1, communication network 2, bank's intelligent terminal server 3, the ATM 4 with verify data acquisition device, bank's internal network 5, bank's background server 6.Bank's intelligent terminal server 3 for bank for user provides netscape messaging server Netscape by intelligent terminal transacting business such as mobile phones.Intelligent terminal 1 can be the intelligent terminal such as regular handset or panel computer opening wireless Internet access; The wireless communication networks that communication network 2 provides for mobile operator or the INTERNET communication network that telecom operators provide.
ATM 4 with verify data acquisition device supports enchashment and with the self-aided terminal machine of verify data acquisition device, and wherein verify data acquisition device comprises camera, Mai Kefeng etc. and can scan two-dimension code image, receive the device of sound wave; Verify data acquisition device is connected with the processor of ATM, is sent to bank server by the communication interface of ATM.
Bank's internal network 5 is communication links of bank inside, can be LAN (Local Area Network) or Metropolitan Area Network (MAN); Bank's background server 6 for bank for user provides netscape messaging server Netscape by ATM transacting business.Intelligent terminal 1 is connected with bank intelligent terminal server 3 by Wireless/wired network 2, and user submits the application of preengaging and withdrawing the money on intelligent terminal 1, and obtains the verify data that ATM withdraws the money; The intelligent terminal 1 that user holds verify data is withdrawn the money to ATM, verify data is transferred to the ATM 4 with verify data acquisition device by air medium; ATM 4 with verify data acquisition device receives and resolves verify data, is connected with bank background server 6 by bank's internal network 5; Bank's background server 6 resolves verify data, School Affairs completes bank backstage and to withhold process, result is returned ATM 4 with verify data acquisition device by bank's internal network 5, completes last note output process by the ATM 4 with verify data acquisition device; Bank's intelligent terminal server 3 can use bank's internal network to carry out being connected with bank background server 6 and mutual, can be also same station server, use same set of database.
The ATM with data authentication device in the utility model embodiment can comprise the relevant functional means of general ATM, as casing, the user's strip outlet be arranged on casing, I.D. identification mouth, numeric keypad, user's main card entrance, display, LPT, cash dispensing port etc.Wherein, the data authentication device increased, this data authentication device 1 mainly comprises two-dimension code image scanning, sound collecting device etc., object is that the certification medium information of collection is sent to bank server by the communication interface of atm device by the verify data information acquisition in order to realize user's enchashment, carries out safety certification to make bank server.
Fig. 5 is the process flow figure that Mobile banking in the utility model one embodiment generates certification medium of withdrawing the money, and as shown in Figure 5, it is as follows that described flow process comprises step:
Step 101: client holds intelligent terminal, logs in bank's intelligent terminal server, selects to obtain reservation enchashment application function, enters respective page.
Step 102: data source and sink 11 receive client input the card number that will withdraw the money or account, withdraw funds, the reservation date of expiry, the key elements such as reserved code of withdrawing the money.Can select still to withdraw the money by sound wave by Quick Response Code.
Step 103: reservation withdraws the money application unit 12 according to the data of preengaging enchashment application function, generates Quick Response Code character string information according to Quick Response Code coding rule, or generates sound wave character string information according to bank's sound wave encryption rule.
Step 104: verify data generation unit 13 is pressed bank regulations according to Quick Response Code character string information and generated two-dimension code image, or generates wave file according to bank's sound wave create-rule.
Step 105: data source and sink 11, final withdraw the money two-dimension code image or the wave file that generate, is loaded into the intelligent terminal page, turns back to intelligent terminal.
Step 106: client checks the two-dimension code image of generation from intelligent terminal or plays wave file, is saved on intelligent terminal.
Fig. 6 is the process flow figure being used Quick Response Code or sound wave certification medium by ATM in the utility model one embodiment, and as shown in Figure 6, it is as follows that described flow process comprises step:
Step 200: the intelligent terminal that client holds the certification medium preserving withdraw the money two-dimension code image or wave file operates to ATM, enters ATM without the card enchashment page.
Verify data acquisition device scanning on step 201:ATM obtains the two-dimension code image information on intelligent terminal or receives the wave file of client playing, and points out input to withdraw the money reserved code.
Step 202: client inputs reserved code of withdrawing the money.
Step 203: self-aided terminal data source and sink 21 receives the data that ATM is sent, these data can comprise two-dimension code image or information of acoustic wave, the information such as reserved code are withdrawn the money in client's input, two-dimension code image or information of acoustic wave are resolved by verify data resolution unit 22, the relevant information of withdrawing the money, comprises withdraw the money card number or account, withdraw funds, reservation date of expiry etc.
Step 204: verification unit of withdrawing the money 23 is to key element inspection of withdrawing the money, check whether the reservation date of expiry expires, if do not expired, then by card number or the account acquisition original application information of withdrawing the money, whether consistent with during application by the reserving cipher of cryptographic check module check client input, if consistent, whether inspection withdraw funds etc. are consistent with original application information.
Step 205: withdraw funds is withholdd by accounting processing unit 24 from withdraw the money card number or account, returns success terminal ATM.
Step 206:ATM machine has return success note output process according to server, and remittee has withdrawn the money.
Bank self-help terminal authentication apparatus, system that the utility model provides, overcome current ATM and withdraw the money and must hold the problem of non-solid medium, ensured the security that remittee withdraws the money and convenience simultaneously.The utility model makes without card enchashment scope more extensively and safety, user do not need to hold (non-solid medium) just can arrive ATM and withdraw the money.
With commercial bank of the prior art without compared with card enchashment mode, the card number or account or cell-phone number, random cipher etc. that also need user to input during owing to withdrawing the money to withdraw the money, use not convenient, withdrawal information is preserved by two-dimension code image or wave file mode, current Quick Response Code and technology of acoustic wave comparative maturity on the one hand, Quick Response Code or information of acoustic wave encryption technology also have certain guarantee to safety, use Quick Response Code or sound wave can secret more, do not need to preserve the random cipher of reservation without card enchashment by bank short message mode; To be scanned by Quick Response Code on the other hand or sound wave is play and carried out withdrawing the money more convenient, more press close to the demand of young user.Preserved the information of preengaging and withdrawing the money by two-dimension code image or wave file, can pass to other people by file send mode, other people cannot the problem of enchashment conveniently can to solve strange land.
Apply specific embodiment in the utility model to set forth principle of the present utility model and embodiment, the explanation of above embodiment just understands core concept of the present utility model for helping; Meanwhile, for one of ordinary skill in the art, according to thought of the present utility model, all will change in specific embodiments and applications, in sum, this description should not be construed as restriction of the present utility model.
Claims (4)
1. a bank self-help end device, it is characterized in that, described bank self-help end device comprises: certification medium information harvester, input media and data communication interface, and described certification medium information harvester is all connected with described data communication interface with input media; Wherein,
Certification medium information harvester, gathers the certification medium information on the mobile terminal device of user, and user is by input media input authentication information, and described certification medium information and authentication information are sent to bank server by data communication interface.
2. bank self-help end device as claimed in claim 1, it is characterized in that, described certification medium information harvester is: Quick Response Code scanister or sound collecting device.
3. a bank self-help terminal authentication system, described system comprises bank server and bank self-help end device, and bank server and bank self-help end device communicate to connect, and it is characterized in that, described bank self-help end device comprises:
Certification medium information harvester, input media and data communication interface, described certification medium information harvester is all connected with described data communication interface with input media; Wherein,
Certification medium information harvester, gathers the certification medium information on the mobile terminal device of user, and user is by input media input authentication information, and described certification medium information and authentication information are sent to bank server by data communication interface.
4. bank self-help terminal authentication system as claimed in claim 3, it is characterized in that, described certification medium information harvester is: Quick Response Code scanister or sound collecting device.
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| CN201520299684.XU CN204557575U (en) | 2015-05-11 | 2015-05-11 | A kind of bank self-help end device and Verification System |
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| CN201520299684.XU CN204557575U (en) | 2015-05-11 | 2015-05-11 | A kind of bank self-help end device and Verification System |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105869269A (en) * | 2016-03-25 | 2016-08-17 | 深圳怡化电脑股份有限公司 | Method and device for verifying money outgoing |
| CN113971553A (en) * | 2021-10-28 | 2022-01-25 | 中国银行股份有限公司 | Remittance method, bank background system and bank client |
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2015
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105869269A (en) * | 2016-03-25 | 2016-08-17 | 深圳怡化电脑股份有限公司 | Method and device for verifying money outgoing |
| CN113971553A (en) * | 2021-10-28 | 2022-01-25 | 中国银行股份有限公司 | Remittance method, bank background system and bank client |
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