TW201738826A - System for card-less automated teller transactions - Google Patents

Abstract

The present invention provides a method for card-less automated teller transactions, adapted to be performed in association with an online banking software installed on a personal device of a user, comprising: a signature retrieving module, upon receipt of a request of card-less automated teller transaction from the online banking software, retrieving a signature of the personal device and transmitting the same to a server side; a device verification module configured at the server side examining whether the device is an authenticated device of the user based on the signature; and on the premise that the device is an authenticated one, a withdrawal key generating module generating a one-time withdrawal key and transmitting the same to the online banking software for display on the personal device.

Description

System for automatic teller machine without card transaction

The invention relates to a method and a system for cardless transaction of an automatic teller machine, belonging to the technical field of computer software.

Generally speaking, in order to withdraw cash in daily life, in addition to cash withdrawal from the bank branch, another way is to carry the ATM card to the ATM, and then enter the ATM card password. If you forget to bring a cash card or if you just have a cash card, you can't withdraw cash at the ATM.

If there is a withdrawal card on the body, but the account corresponding to the card has just enough balance to withdraw the cash, it is necessary to transfer the money to the account through online banking, mobile banking or to the bank branch. The machine withdraws cash.

The Republic of China Patent No. M347121 discloses a credit withdrawal system for storing a credit certificate issued by a bank in a mobile device to verify the identity of the user. The disadvantage is that the user must apply to the bank to obtain the credit certificate. .

In one aspect, the present invention provides a method for cardless transaction of an automated teller machine, which is adapted to be executed in conjunction with an online banking software installed on a user's personal device, the method comprising: receiving a signature from the signature acquisition module After the cardless software transaction request of the online banking software, the signature of the personal device is obtained and transmitted to a server end; a device verification module disposed at the server end checks the personal device based on the feature code Whether it is an authenticated device of the user; and, before the check is passed, a withdrawal key generation module provided at the server end generates a one-time withdrawal corresponding to the ATM-free card transaction request The key is delivered to the online banking software for display on the personal device, and the one-time withdrawal key is one of the information that must be entered when withdrawing money from the ATM.

In a specific embodiment of the present invention, the method further includes: after the checking, the online banking software requires the user to set a withdrawal password, which can be used as another input that must be input when withdrawing money from the ATM. A message.

In another embodiment, the method further includes the following first device authentication step: the signature acquisition module obtains the signature of the personal device, and requests the user to input a startup code; the signature acquisition module The feature code and the activation code are transmitted to the device verification module. After the device verification module confirms that the startup code is correct, the feature code is stored in the server for later verification.

According to an embodiment of the invention, the signature is transmitted to the server after being encrypted.

According to the invention, the signature may be a hardware signature, a software signature or a combination thereof.

According to the present invention, the one-time withdrawal key includes, but is not limited to, a number, an English letter, a symbol, a one-dimensional barcode, a two-dimensional barcode, or a combination thereof.

In another aspect, the present invention provides a system for cardless transaction of an ATM, adapted to cooperate with an online banking software installed on a user's personal device, the system comprising: a signature acquisition module disposed on the personal device a device verification module is disposed on a server end; and a withdrawal key generation module is disposed at the server end; wherein the signature acquisition module is configured to receive an automatic from the online banking software After the teller machine has no card transaction request, obtaining the feature code of the personal device and transmitting it to the server end; the device verification module checks whether the personal device is the authenticated device of the user based on the feature code; The withdrawal key generation module is provided before the verification is passed, and a one-time withdrawal key corresponding to the ATM cardless transaction request is generated and delivered to the online banking software for display on the personal device. The one-time withdrawal key is one of the information that must be entered when withdrawing money from the ATM.

In an embodiment of the present invention, after the verification, the online banking soft system requires the user to set a withdrawal password, which can be used as another information that must be input when withdrawing money from the ATM.

The signature may be a hardware signature, a software signature, or a combination thereof. According to an embodiment of the invention, the signature is transmitted to the server after being encrypted.

According to the present invention, the one-time withdrawal key includes, but is not limited to, a number, an English letter, a symbol, a one-dimensional barcode, a two-dimensional barcode, or a combination thereof.

The other objects and advantages of the invention will be set forth in the description which follows. It is to be understood that the foregoing description of the invention and the invention are intended to

All technical and scientific terms used herein have the meaning as commonly understood by one of ordinary skill in the art to which the invention pertains, unless otherwise indicated.

The term "a" as used herein, unless otherwise specified, refers to the quantity of at least one (one or more).

In one aspect, the present invention provides a method for cardless transaction of an automated teller machine, which is adapted to be executed in conjunction with an online banking software installed on a user's personal device, the method comprising: receiving a signature from the signature acquisition module After the cardless software transaction request of the online banking software, the signature of the personal device is obtained and transmitted to a server end; a device verification module disposed at the server end checks the personal device based on the feature code Whether it is an authenticated device of the user; and, before the check is passed, a withdrawal key generation module provided at the server end generates a one-time withdrawal corresponding to the ATM-free card transaction request The key is delivered to the online banking software for display on the personal device, and the one-time withdrawal key is one of the information that must be entered when withdrawing money from the ATM.

In another aspect, the present invention provides a system for cardless transaction of an ATM, adapted to cooperate with an online banking software installed on a user's personal device, the system comprising: a signature acquisition module disposed on the personal device a device verification module is disposed on a server end; and a withdrawal key generation module is disposed at the server end; wherein the signature acquisition module is configured to receive an automatic from the online banking software After the teller machine has no card transaction request, obtaining the feature code of the personal device and transmitting it to the server end; the device verification module checks whether the personal device is the authenticated device of the user based on the feature code; The withdrawal key generation module is provided before the verification is passed, and a one-time withdrawal key corresponding to the ATM cardless transaction request is generated and delivered to the online banking software for display on the personal device. The one-time withdrawal key is one of the information that must be entered when withdrawing money from the ATM.

Specifically, the signature acquisition module, the device verification module, and the cash withdrawal key generation module can be implemented by programming or software technology.

Non-limiting examples of such personal devices include: personal computers, notebook computers, tablets, and mobile phones. The one-time withdrawal key includes, but is not limited to, a number, an English letter, a symbol, a one-dimensional barcode, a two-dimensional barcode, or a combination thereof.

The signature acquisition module is adapted to be located in the personal device, which may be part of the online banking software or software installed independently of the personal device.

According to the present invention, the signature acquisition module can obtain one or more signatures of the personal device by methods known in the art. For example, the method disclosed in the Republic of China No. I413393 is used, but the present invention is not limited thereto. Those skilled in the art can determine the method of obtaining the feature code according to the actual situation, as long as the feature code obtained by the method has specificity and reproducibility.

According to the invention, the signature may be a hardware signature, a software signature or a combination thereof. In a preferred embodiment, the signature is one or more hardware signatures.

In a preferred embodiment, the method of the present invention further includes the step of: the online banking software requesting the user to set a withdrawal password after the verification is passed. This withdrawal password can be used as another information that must be entered when withdrawing money from the ATM. In another embodiment, the signature is encrypted and transmitted to the server.

According to an embodiment of the present invention, the signature acquisition module and the device verification module perform (first) authentication of the user's personal device through the following process: the signature acquisition module obtains the signature of the personal device and requests The user inputs a startup code; the signature acquisition module transmits the signature and the activation code to the device verification module; after confirming that the startup code is correct, the device verification module stores the signature on the server end where it is located ( For example, stored in a database). The activation code can be obtained by the user to verify the identity of the bank, and preferably, the activation code can be obtained directly from the online banking system after the user logs in to the online bank of the issuing bank with the financial card.

Referring now for example a particular preferred embodiment illustrates an ATM card-transaction system of the present invention of FIG.

As shown in the system architecture diagram of FIG. 1, the system for cardless transaction of an automated teller machine is adapted to cooperate with an online banking software 22 installed on a user's personal device 200 (e.g., a smart phone). The system may include: a signature acquisition module 20 disposed on the personal device 200 ; a device verification module 10 disposed on a server end 100 ; and a withdrawal key generation module 12 disposed on the servo Terminal 100 . The signature acquisition module 20 obtains the signature of the personal device 200 and transmits the signature to the server 100 after receiving the ATM-free card transaction request from the online banking software 22 . The device verification module 10 checks whether the personal device 200 is an authenticated device of the user based on the feature code. The withdrawal key generation module 12 generates a one-time withdrawal key corresponding to the ATM cardless transaction request and delivers it to the online banking software 22 to the individual before the verification is passed. Device 200 is shown. The one-time withdrawal key is one of the information that must be entered when withdrawing money from the ATM 300 . In this embodiment, the automated teller machine 300 includes a cardless withdrawal module 30 for contacting the server end 100 to confirm whether the necessary information for the withdrawal including the one-time withdrawal key is correct.

The method for cardless transaction of the automatic teller machine of the present invention can be implemented in conjunction with the system for cardless transaction of the automatic teller machine of the present invention, and is described in detail below with reference to FIGS. 1 and 2 .

2 is a flow chart of a preferred embodiment of a method for automated teller machine cardless transactions in accordance with the present invention. As shown in FIG. 1-2 , the method for cardless transaction of an automated teller machine of the present invention is adapted to be executed in conjunction with the online banking software 22 installed in the user's personal device 200 . In this embodiment, the method includes: the user logging in to the online banking system using the information including the account number and the password in the online banking software 22 of the personal device 200 (step S205 ); and receiving a signature acquiring module 20 After the cardless transaction request from the online banking software 22 , the signature of the personal device 200 is obtained and transmitted to a server terminal 100 (step S210 ); then, one of the server terminals 100 is provided . The device verification module 10 checks whether the personal device 200 is the authenticated device of the user based on the feature code (step S220 ); after the check is passed, the user interface of the online banking software 22 is available for the user to select. The withdrawal account, input the withdrawal amount, and set a withdrawal password (step S230 ); here optionally, an additional step is added, and the online banking software 22 requests the user to input the online banking password again (step S230 ). In order to increase transaction security; in addition, before the above check is passed, a withdrawal key generation module 12 provided at the server end 100 generates a card-free transaction corresponding to the ATM. Requesting a one-time withdrawal key and delivering it to the online banking software 22 for display on the personal device 200 (step S240 ); finally, the user can use the one-time withdrawal key and the withdrawal password to the entity only The ATM (Automatic Teller Machine (ATM) 300 performs cardless withdrawals.

In an example, if the check in step S220 fails, the device authentication is performed (step S225 ), and the process is as follows: the feature code obtaining module 20 obtains the feature code of the personal device 200 , and requests the user to input the activation code; After the user inputs the activation code, the signature acquisition module 200 transmits the signature and the activation code to the device verification module 10 of the server terminal 100. After the device verification module 10 confirms that the startup code is correct, the signature is generated. A database (not shown) stored in the server terminal 100 is provided for subsequent verification in step S220 . The activation code can be obtained by the user to verify the identity of the bank. Alternatively, the activation code is preferably obtained by the user directly after accessing the online banking of the issuing bank with the financial card, and is directly obtained in the online banking system, which is more convenient.

100‧‧‧Server side
10‧‧‧Device Verification Module
12‧‧‧Withdrawal Key Generation Module
200‧‧‧personal devices
20‧‧‧Character Code Acquisition Module
22‧‧‧Internet banking software
300‧‧‧Automatic Teller Machine
30‧‧‧Without card withdrawal module

1 shows a system architecture diagram corresponding to a preferred embodiment of the present invention.

Figure 2 shows a flow chart corresponding to a preferred embodiment of the present invention.

100 ‧‧‧Server side

10 ‧‧‧Device Verification Module

12 ‧‧‧Withdrawal key generation module

200 ‧‧‧personal devices

20 ‧‧‧ signature acquisition module

22 ‧‧‧Internet Banking Software

300 ‧‧‧Automatic Teller Machine

30 ‧‧‧Without card withdrawal module

Claims (10)

A method for cardless transaction of an ATM, adapted to be executed in conjunction with an online banking software installed on a user's personal device, the method comprising: a signature acquisition module receiving an automated teller machine from the online banking software After the cardless transaction request, the feature code of the personal device is obtained and transmitted to a server end; a device verification module disposed at the server end checks whether the personal device is the user based on the feature code. An authentication device; and before the verification is passed, a withdrawal key generation module disposed at the server end generates a one-time withdrawal key corresponding to the ATM cardless transaction request, and delivers the same to the The online banking software displays on the personal device that the one-time withdrawal key is one of the information that must be entered when withdrawing money from the ATM. The method of claim 1, further comprising: after the checking, the online banking software requires the user to set a withdrawal password, which can be used as another information that must be input when withdrawing money from the ATM. The method of claim 1, further comprising the following first device authentication step: the signature acquisition module obtains a signature of the personal device, and requests the user to input a startup code; the signature acquisition module selects the signature The activation code is transmitted to the device verification module; after the device verification module confirms that the startup code is correct, the signature is stored in the server for later verification. The method of claim 1, wherein the signature is encrypted and transmitted to the server. The method of claim 1, wherein the one-time withdrawal key comprises a number, an English letter, a symbol, a one-dimensional barcode, a two-dimensional barcode, or a combination thereof. A system for cardless transaction of an ATM, adapted to cooperate with an online banking software installed on a user's personal device, the system comprising: a signature acquisition module disposed on the personal device; a device verification module, The server is provided on the server; and the key generation module is disposed on the server; wherein the signature acquisition module is configured to receive the cardless transaction request from the online banking software. Obtaining a feature code of the personal device and transmitting it to the server end; the device verification module checks whether the personal device is an authenticated device of the user based on the feature code; and the cash withdrawal key generation module Provided before the check is passed, generating a one-time withdrawal key corresponding to the ATM cardless transaction request, and delivering the same to the online banking software for displaying on the personal device, the one-time withdrawal key One of the information that must be entered when withdrawing money from the ATM. The system of claim 6, wherein the online banking soft system requires the user to set a withdrawal password after the verification is passed, which can be used as another information that must be input when withdrawing money from the ATM. The system of claim 6, wherein the first device authentication comprises the following steps: the signature acquisition module obtains the signature of the personal device, and requests the user to input a startup code; the signature acquisition module selects the signature And the activation code is transmitted to the device verification module; after the device verification module confirms that the startup code is correct, the feature code is stored in the server for later verification. The system of claim 6, wherein the signature is encrypted and transmitted to the server. The system of claim 6, wherein the one-time withdrawal key comprises a number, an English letter, a symbol, a one-dimensional barcode, a two-dimensional barcode, or a combination thereof.