TW201305951A - Card-less financial trading system and trading method for the same - Google Patents

Abstract

A card-less financial trading method proposes a request for card-less trade service by a user via an automatic teller machine (ATM) or web bank. A server generates a one time password (OTP) after being notified through the request. The server sends a message including the generated OTP to user' s cellphone, and the cellphone uses a phone number which is registered by a bank. User inputs the OTP described in the message into the ATM after receiving the message on the cellphone, and then the ATM can provide card-less trade service when the inputted OTP passes identification. Therefore, user can execute any kind of financial trade on the ATM without using a debit card.

Description

Cardless financial transaction system and its trading method

The present invention relates to a financial transaction system and a financial transaction method, and more particularly to a financial transaction system and a financial transaction method that can be traded without a financial card.

The Automatic Teller Machine (ATM) has always been one of the most convenient tools in the general public life. Through the use of ATM, users can save the trouble of going to financial institutions, such as bank counters, for financial affairs. In addition, financial institutions can also extend the time for providing financial transaction services through the setting of ATM.

In general, users must use ATMs issued by financial institutions to use ATMs for financial transactions. However, in addition to the risk of wafer damage and card breakage, the financial card itself may have problems such as loss of the user or forgetting to carry the financial card with him or her. If the user temporarily needs to conduct a financial transaction (such as withdrawal or transfer), but the financial card is not carried on the body, or the financial card is damaged, the ATM can not help the user, and it is useless.

Therefore, in order to provide users with more convenient services, financial institutions currently on the market are providing online banking services. The main reason is that users can use various electronic devices to log in to online banking through the Internet to directly conduct financial transactions on the Internet. In this way, users not only do not need to carry a financial card, or even go out at home, they can complete the required financial transactions at home.

However, online banking can only perform services such as account inquiry, transfer, foreign exchange, remittance, etc., and cannot make financial transactions such as cash withdrawals or deposits. If the user wants to make a cash transaction, it is still inconvenient to carry the deposit book to the financial institution or carry the financial card to the ATM.

Therefore, the market should provide a mechanism for users to conduct cash transactions (such as withdrawals) through ATMs without using financial cards, so that the services of financial institutions can be improved.

The main object of the present invention is to provide a cardless financial transaction system and a transaction method thereof, which enable a user to carry a financial transaction without having to carry a financial card with him or at an automatic teller machine.

In order to achieve the above object, the present invention initiates a request for a cardless transaction service by an operation of an automated teller machine or an online bank, and the backend server generates a one-time password after receiving the request notification, and the server generates the one-time password after the server generates the one-time password. , sent by SMS to the user to register a phone number at the banking institution. After receiving the newsletter, the user enters the one-time password in the newsletter into the automatic teller machine to perform the cardless transaction service after being authenticated.

The effect achieved by the present invention over the prior art is that the generation, distribution and use of the one-time password allows the user to perform verification without a financial card or a one-time password, so that the ATM can be performed at any time. Cardless financial transactions. Moreover, the present invention further combines the automatic teller machine with the online banking, so that in addition to the financial transactions such as transfer and transfer, the financial transaction service of cash withdrawal can be provided, which greatly improves the convenience of the user.

DETAILED DESCRIPTION OF THE INVENTION A preferred embodiment of the present invention will be described in detail with reference to the drawings.

Referring first to the first figure, a system architecture diagram of a preferred embodiment of the present invention is shown. As shown in the figure, the cardless financial transaction system of the present invention mainly comprises an Automatic Teller Machine (ATM) 1, a backend server 2, and a user's mobile phone 3. The backend server 2 is mainly connected to the ATM 1 through an ATM network, and is connected to the mobile phone 3 through a telecommunication network. The mobile phone 3 uses at least one phone number, and the phone number is registered by the user with the banking institution, corresponding to one or more financial cards of the user. That is, the backend server 2 can query the account of the financial card corresponding to the phone number according to the registered phone number for subsequent financial transactions. Moreover, if the registered phone number corresponds to a plurality of financial cards, the user can select the financial card to be used during the operation (details are detailed later).

The ATM 1 is mainly used to accept a request from the user for a cardless transaction service, and the backend server 2 generates a one-time password (One Time Password) after the ATM 1 accepts the request for the cardless transaction service. OTP), and the OTP is transmitted to the mobile phone 3 as a short message, that is, the registered telephone number. The user can input the OTP recorded in the newsletter into the ATM 1 for verification, so as to perform the cardless transaction service after the verification is passed. In this way, the user can use the registered phone number and the OTP to perform the financial transaction using the account of the financial card corresponding to the registered phone number without using the financial card.

Moreover, the backend server 2 can also be connected to an online bank 4, and the user can use an electronic device 5, such as a personal computer, to connect to the online bank 4 via the Internet. The user can log in to the online bank 4 at any place in advance to request the cardless transaction service on the online bank 4, and after receiving the OTP issued by the backend server 2, move to the ATM. 1 operation. In this way, the practical convenience of the present invention can be increased.

Please refer to the second figure at the same time, which is a flowchart of the first embodiment of the present invention. First, a request by the user for a cardless transaction service is proposed (step S20). More specifically, the step S20 is a request by the user to operate the ATM 1 to make the cardless transaction service, or the user logs in. The online banking 4 requests for the cardless transaction service is not limited. The ATM 1 or the online bank 4 notifies the backend server 2 after accepting the cardless transaction service request.

Then, the backend server 2 generates the OTP and a transaction serial number according to the information of the user's cardless transaction service (step S22), and the backend server 2 creates the OTP and the transaction serial number into a short message. The message is transmitted to the mobile phone 3, ie, the registered phone number (step 24). After receiving the short message, the user inputs a verification data to the ATM 1 (step S26), wherein the verification data at least includes the OTP recorded in the short message. Thereby, the ATM 1 transmits the verification data input by the user to the backend server 2 for verification (step S28).

In the step S28, the ATM 1 mainly transmits the OTP input by the user to the backend server 2, and verifies whether it matches the OTP issued by the backend server 2. Furthermore, the verification data input by the user may further include information other than the OTP, such as a cardless service password, which may be set by the user, corresponding to the account of the financial card corresponding to the registered phone number, and Verified by financial institutions. Thereby, in addition to verifying the OTP, the backend server 2 can simultaneously verify the information of the account of the financial card corresponding to the registered phone number to increase the security of the account of the financial card. However, the above description is only a preferred embodiment of the present invention and should not be limited.

After the step S28, it is determined whether the verification data input by the user is verified (step S30). If the verification data is not verified, the ATM 1 displays the verification data verification error message (step S32). If it is determined in the step S30 that the verification data is verified, the ATM 1 can further perform the cardless transaction service (step S34).

Continuing to refer to the third figure, a flow chart of a second embodiment of the present invention. As shown in the third figure, the above step S20 may further include the following multiple steps. First, the user operates the ATM 1 to trigger the cardless transaction service (step S200), and then the user inputs the registered telephone number on a user interface of the ATM 1 (step S202). Moreover, depending on the design of the ATM 1, the ATM 1 may further require the user to input a request transaction data (step S204), the request transaction data may include the requested transaction type (such as cash withdrawal service) and the transaction amount ( For example, the withdrawal amount, etc., is not limited. It is worth mentioning that if the registered phone number corresponds to a plurality of financial cards, the ATM 1 can display a page of the account for selecting the financial card after the confirmation, so that the user selects the account of the financial card to be used correspondingly. .

Finally, the ATM 1 requests the backend server 2 to provide the OTP and the transaction sequence number (step S206). More specifically, in step S206, the request transaction data is mainly transmitted by the ATM 1 to the backend server 2, and the type of transaction and the transaction amount to be requested by the backend server 2 are notified to facilitate the use. The backend server 2 generates the transaction sequence number. And the ATM 1 also transmits the registered telephone number to the backend server 2, notifying the backend server 2 of the object of the OTP, so that the backend server 2 uses the system data. For example, the transaction serial number is used as a factor to generate the OTP and can be correctly transmitted to the registered telephone number.

It is worth mentioning that if the ATM 1 does not require the user to input the requested transaction data, the backend server 2 does not generate the transaction serial number, so the step of generating the transaction serial number does not necessarily exist, the backend server 2 The OTP can be generated by other system data.

Please refer to FIG. 5A and FIG. BB simultaneously, which are schematic diagrams of the automatic teller machine according to the first embodiment and the second embodiment of the present invention. The ATM 1 mainly has a screen 11, a card slot 12, a list output slot 13, a dispenser port 14, an input unit 15, and a cardless transaction triggering unit 16. The screen 11 mainly displays the user interface for the user to operate; the card slot 12 is for the user to insert the financial card; the schedule output slot 13 is for providing a financial transaction; the dispenser 14 is attached to After the cash withdrawal service is performed, cash is provided to the user; the input unit 15 is mainly a plurality of buttons for the user to input the registered phone number, the requested transaction data, the OTP, the cardless service password, and other information. .

In step S200, the user can mainly use the cardless transaction service trigger unit 16 to trigger the cardless transaction service. As shown in FIG. 5A, the cardless transaction service triggering unit 16 can be a physical button, integrated with the input unit 15, or an independent button. After pressing the cardless transaction service triggering unit 16, the user presses the cardless transaction service triggering unit 16. Trigger the cardless transaction service. Moreover, as shown in FIG. 5B, the screen 11 on the ATM 1 can be a touch screen, and the cardless transaction triggering unit 16 can be an icon in the user interface on the ATM 1 ( Icon), the user triggers the cardless transaction service after touching the icon displayed on the touch screen 11. However, the above description is only a preferred example of the present invention and should not be limited thereto.

It is worth mentioning that the ATM 1 can also be modified by internal hardware, so that the card slot 12 can accept cards other than the financial card, so that when the user forgets to carry the financial card, or the financial card is damaged, the A request for card insertion is performed to trigger the ATM1 to execute the cardless transaction service. The request card may be a card using a magnetic strip, a contact wafer or a non-contact wafer, and should not be limited.

After the step S206, the backend server 2 generates the OTP and the transaction serial number according to the registered telephone number and the requested transaction data (step S22), and forms the OTP and the transaction serial number into the short message, and The short message is transmitted to the registered telephone number (step S24). Next, the user depends on the security requirements of the financial institution, and the verification data is input on the ATM 1 (step S26), wherein the verification data may include a plurality of materials. For example, the user can input the OTP recorded in the newsletter (step S260), and can further input the cardless service password corresponding to the account of the financial card (step S262). Furthermore, if the transaction serial number is recorded in the short message, the user can input the transaction serial number again (step S264), and the user can further input a transaction data (step S266), which is the actual user data. The type of transaction to be conducted and the amount of the transaction. However, the steps S260, S262, S264, and 266 are not in the order of execution, and do not necessarily exist at the same time, and are not limited as long as they are required for actual execution.

After the input of the verification data (the OTP, the cardless service password, the transaction serial number, and the transaction data) is completed, the ATM 1 transmits the verification data to the backend server 2 for verification (step S28). The backend server 2 mainly verifies whether the OTP and the cardless service password are in compliance, and the backend server 2 can learn from the transaction serial number the reason why the requested transaction data input by the user in the step S204 is used. The backend server 2 can compare whether the requested transaction data is the same as the transaction data input in the step S266.

For example, if the user selects the transaction type as the cash withdrawal service in the step S204, and enters the transaction amount as 10,000 yuan, but the transaction amount input in the step S266 is one thousand yuan, then The backend server 2 can judge the discrepancy and reject the current cardless transaction service. In this way, the security of the cardless transaction service can be greatly improved.

Next, the backend server 2 determines whether the verification data is verified (step S30). If the verification data is not verified, the ATM 1 displays the verification data verification error message (step S32). If the verification data is verified, the ATM 1 may perform a cardless transaction service (step S34). For example, if the transaction type is a cash withdrawal service, the ATM 1 is based on the transaction amount in the step S34. The money discharge port 14 performs a money discharge operation to provide cash to the user.

Next, please refer to the fourth figure, which is a flowchart of a third embodiment of the present invention. In addition to the above steps S200 to S206, the present invention provides another way to perform the step S20 in the second figure to make a request for the cardless transaction service. First, the user can operate the electronic device 5 at any place to connect to the online bank 4 through the electronic device 5 (step S210), and then the user logs in to the online bank through his own account password. 4 (step S212). And as shown in the fifth figure C, the user can request the cardless transaction service on the online bank 4 (step S214). In the embodiment, the electronic device 5 is an electronic device that can be connected to the webpage of the online bank 4 through the Internet, such as a personal computer or a tablet, but is not limited thereto.

Moreover, depending on the setting of the online bank 4, after the user makes a request, the user may be required to input the requested transaction data (step S216), for example, the transaction type and transaction amount of the cardless transaction service requested this time. Wait.

Finally, the online bank 4 requests the backend server 2 to provide the OTP and the transaction sequence number (step S218). More specifically, in step S218, the online banking 4 transmits the requested transaction data to the backend server 2, notifying the backend server 2 of the type of transaction to be requested and the transaction amount, so as to facilitate the The backend server 2 generates the transaction sequence number. Therefore, the backend server 2 can further generate the OTP by using system data, such as the transaction serial number as a factor. Moreover, the electronic device 5 further transmits the user data registered by the user on the online bank to the backend server 2, and notifies the backend server 2 of the object to be requested by the backend server 2. The telephone number in the user profile is the phone number registered by the user at the banking institution, and if the registered phone number corresponds to a plurality of financial cards, the online bank 4 can be confirmed after A page for selecting an account for selecting a financial card is displayed, so that the user selects the financial card to be used.

After the step S218, the backend server 2 generates the OTP and the transaction serial number (step S22), and the backend server 2 makes the OTP and the transaction serial number into the short message, and transmits the short message to the The registered telephone number (step S24). However, if the online bank 4 does not require the user to input the requested transaction data, the transaction serial number will not be generated, and the transaction serial number is not necessarily included in the short message, and the backend server 2 can be based on other system data. The generation of the OTP should not be limited to this.

After the user receives the short message number, it can move to the ATM 1 to perform the next action. In the present embodiment, the user enters the verification data on the ATM 1 depending on the security requirements of the financial institution (step S26). For example, the OTP recorded in the short message is input (step S260), the cardless service password corresponding to the account of the financial card is input (step S262), the transaction serial number is input (step S264), and the transaction data is input (step S266). )Wait.

After the verification data is input, the ATM 1 transmits the verification data to the backend server 2 for verification (step S28). It is worth mentioning that if the user selects the transaction type in the step S216 and inputs the transaction amount, the backend server 2 can verify whether the OTP and the cardless service password are consistent, It is further verified whether the transaction data input in the step S266 matches the requested transaction data input in the step S216. For example, if the user selects the transaction type as a cash withdrawal service at the online bank and enters the transaction amount as 10,000 yuan, but the transaction type entered on the ATM 1 is a transfer service, the backend servo Device 2 can judge the discrepancy and reject the cardless transaction service of this time. In this way, the security of the cardless transaction service can be greatly improved.

The backend server 2 determines whether the verification data is verified or not (step S30). If the verification data is not verified, the ATM 1 displays the verification data verification error message (step S32). If the verification data is verified, the ATM 1 can perform a cardless transaction service (step S34). As described above, if the user requests the transaction type as a cash withdrawal service in the online bank, in the step S34, the ATM 1 passes the money discharge port 14 according to the transaction amount in the transaction data. Perform a billing action to provide cash to the user.

The above is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention. Therefore, equivalent changes to the scope of the present invention are included in the scope of the present invention. Bright.

1. . . ATM

11. . . Screen

111. . . Online banking page

12. . . Card slot

13. . . Schedule output slot

14. . . Spitting mouth

15. . . Input unit

16. . . Cardless transaction service trigger unit

2. . . Backend server

3. . . mobile phone

4. . . Online banking

5. . . Electronic device

S20~S34, S200~S206, S210~S218, S260~S266. . . step

The first figure is a system architecture diagram of a preferred embodiment of the present invention.

The second drawing is a flow chart of the first embodiment of the present invention.

The third drawing is a flow chart of a second embodiment of the present invention.

The fourth figure is a flow chart of a third embodiment of the present invention.

Figure 5 is a schematic view of the automatic teller machine of the first embodiment of the present invention.

Figure 5B is a schematic view of the automatic teller machine of the second embodiment of the present invention.

Figure 5 is a schematic view of the automatic teller machine of the third embodiment of the present invention.

S20~S34. . . step

Claims (17)

A cardless financial transaction method includes:
a) the user requests a cardless transaction service and notifies a backend server;
b) the backend server generates a one-time password;
c) transmitting a short message to a phone number registered by the user, wherein the content of the newsletter includes the one-time password;
d) an automated teller machine receives a verification data input by the user, wherein the verification data includes the one-time password;
e) the automated teller machine transmits the verification data to the backend server for verification; and
f) In step e, the automated teller machine performs the cardless transaction service after the verification data is verified. The cardless financial transaction method of claim 1, wherein the registered phone number corresponds to a financial card of the user, the verification data further includes a cardless service password, and the cardless service password corresponds to the financial card. Account. The cardless financial transaction method of claim 1, wherein the step a further comprises the following steps:
A1) the automated teller machine accepts the user's operation to trigger the cardless transaction service;
A2) the automated teller machine receives a user inputting the registered telephone number, wherein the registered telephone number corresponds to a financial card of the user; and a3) the automated teller machine transmits the registered telephone number to the backend server The backend server is requested to provide the one-time password. The cardless financial transaction method of claim 3, wherein the step a1 is performed by a cardless transaction service triggering unit on the automated teller machine, sensing a sensing unit on the automated teller machine, or inserting a request card into the A card slot on the ATM to trigger the cardless transaction service. The cardless financial transaction method of claim 3, wherein the step a2 further comprises a step a21: the automated teller machine receives a request transaction data, the requested transaction data includes at least a transaction type and a transaction amount, and the step a3 The automatic teller machine transmits the registered telephone number and the requested transaction data to the backend server at the same time. The cardless financial transaction method of claim 5, wherein in the step b, the backend server generates a transaction serial number according to the requested transaction data, and generates the one-time password according to the transaction serial number, the step c The newsletter further includes the transaction serial number, and the verification data in the step d further includes the transaction serial number. The cardless financial transaction method of claim 5, wherein the verification data further comprises a transaction data and a cardless service password, the transaction data including an actual transaction type and a transaction amount, and the cardless service password corresponds to For the account of the financial card, the step f is performed when the one-time password and the cardless service password are verified, and the requested transaction data matches the transaction data. The cardless financial transaction method of claim 1, wherein the step a further comprises the following steps:
A1) an electronic device connected to an online bank;
A2) the user logs in to the online bank through the electronic device;
A3) requesting the cardless transaction service at the online bank; and
A4) the online bank transmits the user profile to the backend server, requesting the backend server to provide the one-time password, wherein the user profile includes at least the registered phone number, and the registered phone number corresponds to A financial card to the user. The cardless financial transaction method of claim 8, wherein the step a3 further comprises a step a31: the online bank receives a request transaction data, wherein the request transaction data includes at least one transaction type and a transaction amount. And in the step a4, the online banking system simultaneously transmits the user data and the requested transaction data to the backend server. The cardless financial transaction method of claim 9, wherein in the step b, the backend server generates a transaction serial number according to the requested transaction data, and generates the one-time password according to the transaction serial number, the step c The newsletter further includes the transaction serial number, and the verification data in the step d further includes the transaction serial number. The cardless financial transaction method of claim 9, wherein the verification data further comprises a transaction data and a cardless service password, the transaction data including an actual transaction type and a transaction amount, and the cardless service password corresponds to For the account of the financial card, the step f is performed when the one-time password and the cardless service password are verified, and the requested transaction data matches the transaction data. A cardless financial transaction system includes:
a mobile phone number, the phone number used by the mobile phone is registered by the banking institution and corresponds to at least one financial card of the user;
An automatic teller machine accepting a request from a user for a cardless transaction service;
a backend server connected to the ATM through an ATM network and connected to the mobile phone via a telecommunication network, the backend server receiving a one-time password request to generate a one-time password and The SMS mode is transmitted to the registered phone number;
Wherein, the automatic teller machine receives the one-time password input by the user, and after the automatic teller machine transmits the verification to the back-end server, the automatic teller machine performs the card-free transaction service. The cardless financial transaction system of claim 12, further comprising an electronic device connected to an online bank via the Internet, wherein the user logs in to the online bank through the electronic device to access the network A request for a cardless transaction service was filed at the bank. The cardless financial transaction system of claim 12, wherein the automated teller machine comprises at least:
An input unit for the user to input the one-time password and a cardless service password corresponding to the account of the financial card;
A cardless transaction service triggering unit for the user to trigger the cardless transaction service. The cardless financial transaction system of claim 14, wherein the cardless transaction service triggering unit is a button. The cardless financial transaction system of claim 14, wherein the automatic teller machine has a touch screen, and the cardless transaction service triggering unit is an icon in a user interface displayed on the touch screen. The cardless financial transaction system of claim 14, wherein the automated teller machine further comprises a card slot for accepting a request card other than the financial card to trigger the cardless transaction service, wherein the request card is used Cards for magnetic strips, contact wafers or non-contact wafers.