TW202131262A - Method for withdrawing cash via external system and system for the same - Google Patents

Method for withdrawing cash via external system and system for the same Download PDF

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TW202131262A
TW202131262A TW109103097A TW109103097A TW202131262A TW 202131262 A TW202131262 A TW 202131262A TW 109103097 A TW109103097 A TW 109103097A TW 109103097 A TW109103097 A TW 109103097A TW 202131262 A TW202131262 A TW 202131262A
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user
authentication data
service
external system
withdrawal
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TW109103097A
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TWI800709B (en
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李嘉銘
林旻萱
蔡佳蓉
李培菁
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玉山商業銀行股份有限公司
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Abstract

A method for withdrawing cash via an external system and a system for the same are provided. In the system, a bank system provides a server for connecting with an external system that manages a plurality of service devices at terminal locations. Every terminal service device has a unique identifier. The server receives a request for withdrawing cash from a user device manipulated by a user who inputs a withdrawal amount and user authentication data via an application program. The server also receives user authentication data inputted by the user and a service identifier from a service device. After the server verifies the data received from both the user device and the service device, the withdrawal amount of cash is confirmed. The server then sends an authorization message to the service device according to the service identifier in order to allow the user to get the cash.

Description

通過外部系統提領現金的方法與系統Method and system for withdrawing cash through external system

說明書公開一種提領現金的方法,特別是一種通過不屬於銀行系統的外部系統提領現金的方法以及實現此方法的系統。The specification discloses a method for withdrawing cash, especially a method for withdrawing cash through an external system that is not part of the banking system, and a system that implements this method.

雖然行動支付、數位金融的科技日新月異,讓使用者只要使用個人的行動裝置就可以完成消費與費用支付,讓現金使用逐漸變少,不過,在實際消費行為上,仍有許多需要支付現金,包括人與人之間的金錢借貸,都有使用現金的需求。Although the technology of mobile payment and digital finance is advancing with each passing day, users can complete consumption and expense payment only by using their personal mobile devices, and the use of cash is gradually reduced. However, in actual consumption behavior, there are still many needs to pay cash, including Money borrowing and lending between people all have the need to use cash.

特別的是,當使用者僅攜帶行動裝置、信用卡、儲值卡外出,卻遇到需要現金的狀況時,產生臨時取得現金的需求,習知的方式就是找到銀行以臨櫃方式提款,或是使用自動櫃員機(Automatic Teller Machine,ATM)提領現金,這些情況下使用者需要使用存摺或金融卡或提款,或是利用信用卡借款。不過,自動櫃員機並非隨處都有,加上使用者仍需要隨身攜帶金融卡或信用卡才能方便地取得現金,即便現有自動櫃員機提供無卡提款的服務,仍無法滿足方便而立即要取得現金的需求。In particular, when users only carry mobile devices, credit cards, and stored-value cards when they go out, but encounter a situation where cash is needed, there is a need for temporary cash. The conventional way is to find a bank to withdraw money at the counter, or It is the use of automatic teller machines (Automatic Teller Machine, ATM) to withdraw cash. In these cases, users need to use a passbook or a financial card or withdraw money, or use a credit card to borrow money. However, ATMs are not available everywhere, and users still need to carry a financial card or credit card with them to easily obtain cash. Even if the existing ATMs provide cardless withdrawal services, they still cannot meet the convenient and immediate demand for cash. .

有鑑於使用者有方便取得現金的實際需要,說明書公開一種通過外部系統提領現金的方法與系統,通過安全授權的機制讓使用者可以方便而即時地取得現金,且不受限於傳統僅能在銀行臨櫃、自動櫃員機或是自動提款機上使用金融卡或信用卡提款,更不受限傳統需要使用傳統存摺、金融卡或信用卡等載具才能取得現金的方式。In view of the actual needs of users to obtain cash conveniently, the manual discloses a method and system for withdrawing cash through an external system. The secure authorization mechanism allows users to obtain cash conveniently and instantly, and is not limited to traditional methods. Using financial cards or credit cards to withdraw money on bank counters, ATMs, or ATMs is not restricted. Traditional methods such as passbooks, financial cards or credit cards are required to obtain cash.

根據實施例,所述通過外部系統提領現金的方法運行於一銀行系統的伺服器中,方法包括,自一使用者裝置接收使用者認證資料以及一提領金額,另一方面,也自一服務裝置接收其服務識別碼以及一待驗證的使用者認證資料,之後,伺服器中軟體程序將使用自使用者裝置接收的使用者認證資料驗證自服務裝置接收的待驗證的使用者認證資料,當完成驗證後,即確認可提領金額,即根據服務識別碼傳送一授權信息至服務裝置,以同意交付提領金額的現金給一使用者。According to an embodiment, the method for withdrawing cash through an external system runs on a server of a banking system, and the method includes receiving user authentication data and a withdrawal amount from a user device, on the other hand, it also automatically The service device receives its service identification code and a user authentication data to be verified. After that, the software program in the server will use the user authentication data received from the user device to verify the user authentication data received from the service device to be verified. After the verification is completed, the amount that can be withdrawn is confirmed, and an authorization message is sent to the service device according to the service identification code to agree to deliver the withdrawal amount in cash to a user.

優選地,所述服務裝置可設於一商店內,服務裝置連接外部系統,並通過此外部系統註冊於銀行系統中。當銀行系統成功驗證待驗證的使用者認證資料時,表示外部系統與銀行系統確認授權,使得銀行系統通過外部系統傳送授權信息至服務裝置,再由商店內人員交付提領金額的現金給使用者。Preferably, the service device may be installed in a store, the service device is connected to an external system, and is registered in the banking system through the external system. When the banking system successfully verifies the user authentication data to be verified, it means that the external system and the banking system confirm the authorization, so that the banking system transmits the authorization information to the service device through the external system, and then the store personnel deliver the cash for the withdrawal amount to the user .

進一步地,所述提供給伺服器的使用者認證資料包括使用者操作使用者裝置設定的一次式密碼,以及自使用者裝置取得的一使用者識別碼。同樣地,伺服器自服務裝置接收的待驗證的使用者認證資料包括一次式密碼與使用者識別碼,另還包括了用於識別對應服務裝置的服務識別碼。Further, the user authentication data provided to the server includes a one-time password set by the user operating the user device, and a user identification code obtained from the user device. Similarly, the user authentication data to be verified received by the server from the service device includes a one-time password and a user identification code, and also includes a service identification code for identifying the corresponding service device.

在一實施例中,使用者可以在服務裝置所在位置輸入或口述當下提款流程的一次式密碼,並包括讓銀行系統辨識使用者的識別資料。In one embodiment, the user can input or dictate the one-time password of the current withdrawal process at the location of the service device, and include identification data for the banking system to recognize the user.

在此一提的是,由於以一次式密碼提領現金有一定時效性,且因為同一時間提領者有限,故口述使用者識別碼(如身份證等身份證明文件的字號)時,實務上無須完整,只需部分資料(如身份證字號後四碼)即可。It is mentioned here that since cash withdrawals with one-time passwords have a time limit, and because the number of withdrawals at the same time is limited, when dictating the user identification code (such as the number of identification documents such as ID cards), practically It does not need to be complete, only part of the information (such as the last four digits of the ID number) is enough.

在另一實施例中,當銀行系統自使用者裝置接收使用者認證資料以及提領金額後,可以先以軟體方法根據使用者認證資料與提領金額演算一提領代碼,並傳送提領代碼至使用者裝置,這時,由使用者裝置轉換提領代碼為一維條碼、二維條碼或一無線識別碼,讓服務裝置掃描或接收後,可取得使用者認證資料,之後再合併服務識別碼傳送到伺服器進行驗證。In another embodiment, after the banking system receives the user authentication data and the withdrawal amount from the user device, it can first calculate a withdrawal code based on the user authentication data and the withdrawal amount in a software method, and send the withdrawal code To the user device, at this time, the user device converts the withdrawal code into a one-dimensional barcode, two-dimensional barcode or a wireless identification code, so that the service device can obtain user authentication data after scanning or receiving it, and then merge the service identification code Send to the server for verification.

為使能更進一步瞭解本發明的特徵及技術內容,請參閱以下有關本發明的詳細說明與圖式,然而所提供的圖式僅用於提供參考與說明,並非用來對本發明加以限制。In order to further understand the features and technical content of the present invention, please refer to the following detailed description and drawings about the present invention. However, the provided drawings are only for reference and description, and are not used to limit the present invention.

以下是通過特定的具體實施例來說明本發明的實施方式,本領域技術人員可由本說明書所公開的內容瞭解本發明的優點與效果。本發明可通過其他不同的具體實施例加以施行或應用,本說明書中的各項細節也可基於不同觀點與應用,在不悖離本發明的構思下進行各種修改與變更。另外,本發明的附圖僅為簡單示意說明,並非依實際尺寸的描繪,事先聲明。以下的實施方式將進一步詳細說明本發明的相關技術內容,但所公開的內容並非用以限制本發明的保護範圍。The following are specific specific examples to illustrate the implementation of the present invention. Those skilled in the art can understand the advantages and effects of the present invention from the content disclosed in this specification. The present invention can be implemented or applied through other different specific embodiments, and various details in this specification can also be based on different viewpoints and applications, and various modifications and changes can be made without departing from the concept of the present invention. In addition, the drawings of the present invention are merely schematic illustrations, and are not drawn according to actual dimensions, and are stated in advance. The following embodiments will further describe the related technical content of the present invention in detail, but the disclosed content is not intended to limit the protection scope of the present invention.

應當可以理解的是,雖然本文中可能會使用到“第一”、“第二”、“第三”等術語來描述各種元件或者信號,但這些元件或者信號不應受這些術語的限制。這些術語主要是用以區分一元件與另一元件,或者一信號與另一信號。另外,本文中所使用的術語“或”,應視實際情況可能包括相關聯的列出項目中的任一個或者多個的組合。It should be understood that although terms such as "first", "second", and "third" may be used herein to describe various elements or signals, these elements or signals should not be limited by these terms. These terms are mainly used to distinguish one element from another, or one signal from another signal. In addition, the term "or" used in this document may include any one or a combination of more of the associated listed items depending on the actual situation.

說明書公開一種通過外部系統提領現金的方法與系統,所述方法提供使用者一個非以傳統銀行臨櫃、自動櫃員機或是自動提款機取得現金的方案,方法將通過安全授權的機制讓使用者可以方便而即時地取得現金,且不受限於僅能使用存摺、金融卡或信用卡提款才能取得現金的方式。The manual discloses a method and system for withdrawing cash through an external system. The method provides users with a solution to obtain cash without using traditional bank counters, ATMs or ATMs. The method will be used through a secure authorization mechanism. People can get cash conveniently and instantly, and are not limited to the way that cash can only be obtained by using a passbook, debit card or credit card to withdraw money.

所述通過外部系統提領現金的系統的架構實施例可參考圖1的示意圖。For the architecture embodiment of the system for withdrawing cash through an external system, reference may be made to the schematic diagram of FIG. 1.

實現通過外部系統提領現金的方法,銀行系統13需要授權特定終端裝置提供使用者現金,所提出的通過外部系統提領現金的系統架構包括提出一外部系統11,外部系統11用於連線與管理設於各服務據點的多個服務裝置12,服務裝置12例如是設於商店內的終端銷售點(POS),如一般常見的收銀機或是資訊處理機(kiosk)等,或可為設於特定服務據點的電腦裝置,或是連接終端銷售點或電腦裝置的另一電子裝置。To achieve the method of withdrawing cash through an external system, the banking system 13 needs to authorize a specific terminal device to provide users with cash. The proposed system architecture for withdrawing cash through an external system includes an external system 11 that is used to connect with Manage multiple service devices 12 located in each service location. The service device 12 is, for example, a terminal point of sale (POS) located in a store, such as a common cash register or information processor (kiosk), or it can be a device A computer device at a specific service location, or another electronic device connected to a terminal point of sale or computer device.

外部系統11與銀行系統13通過網路10連線,外部系統11設定每個服務裝置12一個唯一的服務識別碼(service identifier、service ID),每個服務裝置12可通過外部系統11註冊於銀行系統13中,可同時讓外部系統11與銀行系統13識別所發出請求的裝置與其所在。The external system 11 and the banking system 13 are connected through the network 10. The external system 11 sets each service device 12 with a unique service identifier (service identifier, service ID), and each service device 12 can be registered with the bank through the external system 11 In the system 13, the external system 11 and the banking system 13 can simultaneously identify the requesting device and its location.

通過外部系統提領現金的系統還提供執行於使用者裝置15的應用程式,如行動裝置內的行動應用程式(APP),執行應用程式後,提供使用者輸入提領金額以及使用者認證資料,使用者認證資料在一實施例中可包括使用者識別碼(user ID)、當次提領現金服務的一次式密碼(具有期限,並非固定密碼),以及一提領金額,輸入完成後,傳送到銀行系統13中的伺服氣上。The system for withdrawing cash through an external system also provides applications that run on the user device 15, such as a mobile application (APP) in a mobile device. After the application is executed, it provides the user to input the withdrawal amount and user authentication data. In one embodiment, the user authentication data may include a user ID, a one-time password (with a time limit, not a fixed password) for the current cash withdrawal service, and a withdrawal amount. After the input is completed, send Go to the servo gas in the banking system 13.

另一方面,當使用者將相關使用者認證資料,如使用者識別碼與一次式密碼,也輸入或掃描至某個服務裝置12,服務裝置12可以通過外部系統11傳送其服務識別碼以及此待驗證的使用者認證資料到銀行系統13,以進行驗證。On the other hand, when the user enters or scans relevant user authentication data, such as user identification code and one-time password, to a certain service device 12, the service device 12 can transmit its service identification code and this through the external system 11. The user authentication data to be verified is sent to the banking system 13 for verification.

在此一提的是,所述外部系統為用於管理設於各處的服務裝置,使得整個提領現金的方法可以運行在更廣的服務範圍內,例如四處林立的便利商店,還可擴大應用範圍到各個具有現金的服務據點,如各種連鎖商店的店面、公家機關、醫療院所等,所述系統可讓使用者在各種服務據點通過經過註冊與授權的服務裝置12進行認證,並在授權後取得現金,而不限於傳統需要在銀行臨櫃、自動櫃員機或自動提款機才能提領現金的方式。It is mentioned here that the external system is used to manage the service devices located in various places, so that the entire cash withdrawal method can be operated in a wider range of services, such as convenience stores, which can be expanded. The scope of application is to various service locations with cash, such as the stores of various chain stores, public institutions, medical institutions, etc. The system allows users to authenticate at various service locations through registered and authorized service devices 12, and Obtaining cash after authorization is not limited to the traditional way of withdrawing cash at the bank counter, ATM or ATM.

在特定實施例中,若非如上述連鎖商店,單個服務據點若設有經過註冊與認證的服務裝置(具有唯一服務識別碼)時,本身即為所述的外部系統,可以單獨讓使用者在經過銀行系統授權後提領現金。In a specific embodiment, if it is not the above-mentioned chain store, if a single service site is equipped with a registered and authenticated service device (with a unique service identification code), it is the said external system itself, allowing users to pass through Withdraw cash after authorization by the banking system.

通過外部系統提領現金的方法運行於銀行系統設立的伺服器中,在此伺服器中執行的方法流程實施例可參考圖2所示通過外部系統提領現金的方法的流程圖。The method for withdrawing cash through an external system runs in a server set up by the banking system. For the method flow embodiment executed in this server, refer to the flowchart of the method for withdrawing cash through an external system as shown in FIG. 2.

在步驟S201中,使用者可操作執行於使用者裝置的應用程式,輸入想要提領的現金提領金額外,還需要填寫用於驗證使用者身份的使用者認證資料,如使用者的識別碼(user ID),還可包括僅適用本次提領請求的一次式密碼,經連線銀行系統的伺服器後,可使得伺服器可自使用者裝置接收使用者認證資料以及提領金額。In step S201, the user can operate the application running on the user device, enter the cash withdrawal amount that he wants to withdraw, and also need to fill in user authentication data for verifying the user's identity, such as user identification The user ID can also include a one-time password that is only applicable to this withdrawal request. After connecting to the server of the banking system, the server can receive user authentication data and withdraw the amount from the user device.

接著,在步驟S203中,伺服器也自服務裝置接收服務識別碼以及待驗證的使用者認證資料,此待驗證的使用者認證資料也可為使用者利用服務裝置上的輸入設備(如鍵盤、觸控顯示器、語音輸入、條碼掃描、無線碼讀取設備)所提供的資料,如使用者的識別碼以及一次式密碼。同樣地需要傳送到伺服器。Then, in step S203, the server also receives the service identification code and the user authentication data to be verified from the service device. The user authentication data to be verified can also be used by the user to use the input device on the service device (such as a keyboard, Touch display, voice input, barcode scanning, wireless code reading equipment) provided information, such as user identification code and one-time password. The same needs to be sent to the server.

在步驟S205中,當使用者分別自使用者裝置接收到使用者認證資料,以及自服務裝置接收到的待驗證使用者認證資料,即以自使用者裝置接收的使用者認證資料驗證自服務裝置接收的待驗證的使用者認證資料,在步驟S207中確認是否完成驗證?In step S205, when the user receives the user authentication data from the user device and the user authentication data to be verified received from the service device, the user authentication data received from the user device is used to verify the self-service device For the received user authentication data to be verified, in step S207, is it confirmed whether the verification is completed?

若兩邊接收到的使用者認證資料並不相符(否),如步驟S209,本次交易失敗;反之,若兩邊接收到的使用者認證資料相符(是),即進行步驟S211,伺服器確認提領金額後,產生一授權信息,根據本次程序得到的服務識別碼識別出發出信息的服務裝置,將授權信息傳送到此服務裝置上。If the user authentication data received on both sides do not match (No), in step S209, the transaction fails; otherwise, if the user authentication data received on both sides are consistent (Yes), proceed to step S211, and the server confirms the prompt After receiving the amount, an authorization message is generated, the service device that sent the message is identified according to the service identification code obtained in this procedure, and the authorization information is transmitted to the service device.

這時,可以在服務裝置上顯示同意授權的信息,包括提領金額,表示同意交付提領金額的現金給一使用者。At this time, it is possible to display the authorization authorization information on the service device, including the withdrawal amount, which indicates that the user agrees to deliver cash of the withdrawal amount to a user.

在此一提的是,可先於銀行系統註冊使用者的各種認證資料,例如登入使用者裝置使用的密碼或是生物識別碼。舉例來說,當使用者裝置內形成使用者認證資料時,上述實施例顯示使用者認證資料包括使用者識別碼與一次式密碼之外,由於使用者操作使用者裝置(如智慧型手機),需要經過一個認證程序,也就是登入使用者裝置所需輸入的密碼或生物識別碼,生物識別碼如指紋、臉部識別碼(如Face ID)等,使得形成使用者認證資料時,還可包括登入使用者裝置使用的密碼或生物識別碼,以能提供銀行系統利用此密碼或生物識別碼認證使用者。It is mentioned here that various authentication data of the user can be registered in the banking system, such as a password or a biometric code used to log in to the user's device. For example, when the user authentication data is formed in the user device, the above embodiment shows that the user authentication data includes the user identification code and the one-time password. Because the user operates the user device (such as a smart phone), Need to go through an authentication process, that is, the password or biometric code required to log in to the user’s device, biometric code such as fingerprints, facial recognition code (such as Face ID), etc., so that when the user authentication data is formed, it can also include The password or biometric code used to log in to the user’s device to provide the banking system with the password or biometric code to authenticate the user.

在另一實施例中,除了由服務裝置直接提供服務識別碼給銀行系統外,也可以交給使用者裝置上傳服務裝置的服務識別碼,其中,在服務裝置上可以標註其服務識別碼,可以QR碼等方式讓使用者裝置取得服務識別碼,再由使用者裝置傳送服務識別碼給銀行系統,讓銀行系統確認提領現金的服務據點。In another embodiment, in addition to directly providing the service identification code to the banking system by the service device, the service identification code of the service device can also be uploaded to the user device. Among them, the service identification code can be marked on the service device. The QR code and other methods allow the user device to obtain the service identification code, and then the user device sends the service identification code to the banking system, allowing the banking system to confirm the service location for withdrawing cash.

圖3顯示通過外部系統提領現金的情境示意圖。Figure 3 shows a schematic diagram of the situation of withdrawing cash through an external system.

圖中顯示使用者一開始在使用者裝置上執行一應用程式301,其中顯示幾個需要使用者填入的欄位,例如密碼欄,較佳為使用者每次可以設定不同的密碼,作為當次使用確認的一次式密碼;提領金額欄提供使用者輸入想要提領的現金金額。若應用程式301需要使用者登入使用,例如一個行動銀行的應用程式,登入時,表示應用程式301已經取得使用者識別碼,即可一併傳送到伺服器,否則,應用程式301也可要求使用者輸入使用者識別碼,讓伺服器識別使用者身份。The figure shows that the user initially runs an application 301 on the user’s device, which displays several fields that need to be filled in by the user, such as the password field. Preferably, the user can set a different password each time as the current Use the confirmed one-time password; the withdrawal amount column provides the user to enter the amount of cash they want to withdraw. If the application 301 requires the user to log in, such as a mobile banking application, when logging in, it means that the application 301 has obtained the user ID and can be sent to the server together, otherwise, the application 301 can also be used The user enters the user ID to allow the server to identify the user.

在此例中,使用者接著在服務裝置302(如收銀機)上輸入使用者認證資料,其中顯示內容一303顯示有使用者識別碼與密碼,其中,若為同一使用者,密碼欄理應與上述在應用程式301輸入的一次式密碼相同。In this example, the user then enters the user authentication data on the service device 302 (such as a cash register). The display content 303 shows the user ID and password. If it is the same user, the password field should be the same as The above-mentioned one-time password entered in the application 301 is the same.

使用者裝置的應用程式301將使用者認證資料與提領金額傳送到伺服器,服務裝置302中的軟體程序也將接收到的使用者認證資料,加上本身的服務識別碼傳送到伺服器,讓伺服器驗證,驗證成功後即授權服務裝置302讓使用者提領現金,圖示如服務裝置302上的顯示內容二303’,可顯示有使用者識別碼、密碼(非必要)以及提領金額,之後讓使用者取得現金305。The application 301 of the user device sends the user authentication data and the withdrawal amount to the server, and the software program in the service device 302 also sends the received user authentication data plus its own service identification code to the server. Let the server verify. After the verification is successful, the service device 302 is authorized to allow the user to withdraw cash, as shown in the display content 2 303' on the service device 302, which can display the user ID, password (optional) and withdrawal Amount, and then let the user get cash 305.

進一步地,當銀行系統授權某個服務裝置提供現金時,若服務裝置的操作員發現現金不足所述提領金額,則可回復餘額不足,而使得本次交易失敗,相關的一次式密碼都將失效。Further, when the banking system authorizes a certain service device to provide cash, if the operator of the service device finds that the cash is not enough for the withdrawal amount, he can reply that the balance is insufficient, and the transaction fails, and the related one-time passwords will be changed. Invalidate.

圖4顯示通過外部系統提領現金的方法實施例之一流程圖,方法主要運行於使用者裝置41、服務裝置42、外部系統43與銀行系統44(設有伺服器)之間,外部系統43可以依照實際狀況為另一外部伺服器,或可僅以服務裝置42實現此方法流程。Figure 4 shows a flow chart of an embodiment of a method for withdrawing cash through an external system. The method mainly runs between the user device 41, the service device 42, the external system 43 and the banking system 44 (with a server). The external system 43 It can be another external server according to the actual situation, or only the service device 42 can implement this method flow.

圖中由步驟S401開始,使用者操作使用者裝置41產生使用者識別碼、一次式密碼以及提領金額,並傳送到銀行系統44。另一方面,如步驟S403,服務裝置42也取得使用者的使用者識別碼與一次式密碼,與服務識別碼一併上傳到銀行系統44(可通過外部系統43)。In the figure, starting from step S401, the user operates the user device 41 to generate a user identification code, a one-time password, and a withdrawal amount, and send them to the banking system 44. On the other hand, in step S403, the service device 42 also obtains the user identification code and one-time password of the user, and uploads them to the banking system 44 together with the service identification code (through the external system 43).

這時,如步驟S405,銀行系統44使用自使用者裝置41接收的使用者認證資料驗證自服務裝置42接收的待驗證的使用者認證資料,驗證完成後,如步驟S407,產生並傳送授權信息至服務裝置42(可通過外部系統43),通知同意交付提領金額的現金給使用者,讓使用者可提領現金,如步驟S409。At this time, in step S405, the banking system 44 uses the user authentication data received from the user device 41 to verify the user authentication data to be verified received from the service device 42. After the verification is completed, in step S407, it generates and transmits authorization information to The service device 42 (may be through the external system 43) informs the user that it agrees to deliver the cash withdrawn amount to the user, so that the user can withdraw the cash, as in step S409.

圖5顯示通過外部系統提領現金的方法另一實施例流程圖,此流程同樣運行於使用者裝置41、服務裝置42(或包括外部系統43)與銀行系統44之間。FIG. 5 shows a flowchart of another embodiment of a method for withdrawing cash through an external system. This process also runs between the user device 41, the service device 42 (or the external system 43) and the banking system 44.

一開始,如步驟S501,使用者操作使用者裝置41輸入使用者識別碼(或登入產生)、一次式密碼以及提領金額,並傳送到銀行系統44。這時,在此實施例中,如步驟S503,由銀行系統44中的軟體程序根據使用者認證資料(使用者識別碼、一次式密碼)與提領金額演算一提領代碼,這個提領代碼嘉傳回至使用者裝置41(步驟S505),可由使用者裝置傳送此提領代碼至服務裝置42,使得服務裝置42自提領代碼取得待驗證的使用者認證資料。At the beginning, in step S501, the user operates the user device 41 to input a user identification code (or generated by login), a one-time password, and a withdrawal amount, and then send them to the banking system 44. At this time, in this embodiment, in step S503, the software program in the banking system 44 calculates a withdrawal code based on the user authentication data (user identification code, one-time password) and the withdrawal amount. This withdrawal code is Return to the user device 41 (step S505), and the user device can send the withdrawal code to the service device 42, so that the service device 42 obtains the user authentication data to be verified from the withdrawal code.

此例中,如步驟S507,在使用者裝置中以軟體方法將接收到的提領代碼(如一字串)編譯為特定可轉換的圖形或無線識別碼(如NFC碼),圖形如顯示於使用者裝置41螢幕的一維條碼或二維條碼(如QR碼,步驟S507),或是產生一無線識別碼,再以一維條碼、二維條碼或無線識別碼的形式傳送提領代碼至服務裝置42,如步驟S509,讓服務裝置42掃描QR碼,服務裝置自提領代碼取得待驗證的使用者認證資料,包括使用者識別碼與一次式密碼。In this example, in step S507, the user device uses software to compile the received withdrawal code (such as a string) into a specific convertible graphic or wireless identification code (such as NFC code), and the graphic is displayed on the user device. The one-dimensional barcode or two-dimensional barcode (such as QR code, step S507) on the screen of the device 41, or a wireless identification code is generated, and then the withdrawal code is sent to the service in the form of a one-dimensional barcode, two-dimensional barcode or wireless identification code The device 42, in step S509, allows the service device 42 to scan the QR code, and the service device obtains the user authentication data to be verified from the withdrawal code, including the user identification code and the one-time password.

在步驟S511,在服務裝置42內,將服務識別碼、使用者識別碼與一次式密碼傳送到銀行系統44(可通過外部系統43),由銀行系統44根據之前自使用者裝置41接收的使用者認證資料驗證自服務裝置42接收的使用者認證資料(步驟S513)。In step S511, in the service device 42, the service identification code, user identification code, and one-time password are transmitted to the banking system 44 (through the external system 43), and the banking system 44 uses the previously received usage from the user device 41 The user authentication data verifies the user authentication data received from the service device 42 (step S513).

當銀行系統44成功驗證待驗證的使用者認證資料時,表示外部系統43與銀行系統44確認授權,產生授權信息,銀行系統44通過外部系統43傳送授權信息至服務裝置42(步驟S515),最後,由服務裝置42處(如商店)的人員交付提領金額的現金給使用者(步驟S517)。When the banking system 44 successfully verifies the user authentication data to be verified, it means that the external system 43 confirms the authorization with the banking system 44 and generates authorization information. The banking system 44 transmits the authorization information to the service device 42 through the external system 43 (step S515), and finally , The staff at the service device 42 (such as a store) delivers the cash withdrawn amount to the user (step S517).

綜上所述,根據上述實施例描述通過外部系統提領現金的方法與系統,提出的方案讓使用者可以在傳統提領現金的方式以外,還能在非銀行系統的地方取得現金,實施例所述的外部系統可包括任何與銀行系統建立服務註冊的電腦系統,具有唯一的服務識別碼,較佳如商店,因為商店一般有足夠的現金,使用其中的銷售點裝置(POS)或電腦裝置與銀行系統進行使用者身份驗證後,讓使用者提領到現金。In summary, according to the above embodiments, the method and system for withdrawing cash through an external system are described. The proposed scheme allows users to obtain cash from places other than the bank system in addition to the traditional methods of withdrawing cash. The external system can include any computer system that establishes a service registration with the banking system, with a unique service identification code, preferably a store, because the store generally has enough cash to use the point-of-sale device (POS) or computer device in it After the user identity verification with the banking system, the user can withdraw cash.

更者,通過揭露書提出的外部系統提領現金的方法,還可以讓非使用者本人(在服務據點處)提領到經過使用者本人(操作使用者裝置)授權的提領金額,產生新穎且具有特色的金融服務。Moreover, the method of withdrawing cash from the external system proposed in the disclosure can also allow non-users (at the service location) to withdraw the amount authorized by the user (operating the user device), resulting in novelty And has distinctive financial services.

以上所公開的內容僅為本發明的優選可行實施例,並非因此侷限本發明的申請專利範圍,所以凡是運用本發明說明書及圖式內容所做的等效技術變化,均包含於本發明的申請專利範圍內。The content disclosed above is only the preferred and feasible embodiments of the present invention, and does not limit the scope of the patent application of the present invention. Therefore, all equivalent technical changes made using the description and schematic content of the present invention are included in the application of the present invention. Within the scope of the patent.

10:網路 11:外部系統 12:服務裝置 13:銀行系統 15:使用者裝置 301:應用程式 302:服務裝置 303:顯示內容一 303’顯示內容二 305:現金 41:使用者裝置 42:服務裝置 43:外部系統 44:銀行系統 步驟S201~S211:通過外部系統提領現金的流程 步驟S401~S409:通過外部系統提領現金的流程 步驟S501~S517:通過外部系統提領現金的流程10: Internet 11: External system 12: Service device 13: Banking system 15: User device 301: Application 302: Service Device 303: display content one 303’ display content two 305: cash 41: User device 42: service device 43: external system 44: Banking System Steps S201~S211: The process of withdrawing cash through the external system Steps S401~S409: The process of withdrawing cash through the external system Steps S501~S517: The process of withdrawing cash through the external system

圖1顯示通過外部系統提領現金的系統的架構實施例圖;Figure 1 shows an embodiment diagram of the architecture of a system for withdrawing cash through an external system;

圖2顯示通過外部系統提領現金的方法實施例流程圖;Figure 2 shows a flowchart of an embodiment of a method for withdrawing cash through an external system;

圖3顯示通過外部系統提領現金的情境示意圖;Figure 3 shows a schematic diagram of the situation of withdrawing cash through an external system;

圖4顯示通過外部系統提領現金的方法實施例之一流程圖;以及Figure 4 shows a flow chart of an embodiment of a method for withdrawing cash through an external system; and

圖5顯示通過外部系統提領現金的方法實施例之二流程圖。Fig. 5 shows a flowchart of the second embodiment of the method for withdrawing cash through an external system.

S201:自使用者裝置接收使用者認證資料以及提領金額S201: Receive user authentication data and withdrawal amount from the user device

S203:自服務裝置接收服務識別碼以及待驗證的使用者認證資料S203: Receive the service identification code and user authentication data to be verified from the service device

S205:驗證待驗證的使用者認證資料S205: Verify the user authentication data to be verified

S207:是否完成驗證?S207: Has the verification been completed?

S209:交易失敗S209: Transaction failed

S211:確認提領金額後傳送一授權信息至服務裝置S211: Send an authorization message to the service device after confirming the withdrawal amount

Claims (10)

一種通過外部系統提領現金的方法,運行於一銀行系統的一伺服器中,包括: 自一使用者裝置接收一使用者認證資料以及一提領金額; 自一服務裝置接收一服務識別碼以及一待驗證的使用者認證資料; 使用自該使用者裝置接收的該使用者認證資料驗證自該服務裝置接收的該待驗證的使用者認證資料;以及 完成驗證後,確認該提領金額,即根據該服務識別碼傳送一授權信息至該服務裝置,同意交付該提領金額的現金給一使用者。A method for withdrawing cash through an external system, which runs on a server in a banking system, includes: Receive a user authentication data and a withdrawal amount from a user device; Receiving a service identification code and a user authentication data to be verified from a service device; Use the user authentication data received from the user device to verify the user authentication data to be verified received from the service device; and After completing the verification, confirm the withdrawal amount, that is, send an authorization message to the service device according to the service identification code, and agree to deliver the withdrawal amount in cash to a user. 如請求項1所述的通過外部系統提領現金的方法,其中該服務裝置設於一商店內,通過網路連接一外部系統,該服務裝置通過該外部系統註冊於該銀行系統中,並設有該服務識別碼。The method for withdrawing cash through an external system as described in claim 1, wherein the service device is set in a store and is connected to an external system via a network, and the service device is registered in the banking system through the external system, and is installed There is the service identification code. 如請求項2所述的通過外部系統提領現金的方法,其中,當該銀行系統成功驗證該待驗證的使用者認證資料時,表示該外部系統與該銀行系統確認授權,該銀行系統通過該外部系統傳送該授權信息至該服務裝置,由該商店內人員交付該提領金額的現金給該使用者。The method for withdrawing cash through an external system as described in claim 2, wherein, when the banking system successfully verifies the user authentication data to be verified, it means that the external system confirms authorization with the banking system, and the banking system passes the The external system transmits the authorization information to the service device, and the staff in the store delivers the cash for the withdrawal amount to the user. 如請求項3所述的通過外部系統提領現金的方法,其中該伺服器自該使用者裝置接收的該使用者認證資料包括該使用者操作該使用者裝置設定的一一次式密碼,以及自該使用者裝置取得的一使用者識別碼。The method for withdrawing cash through an external system as described in claim 3, wherein the user authentication data received by the server from the user device includes a one-time password set by the user operating the user device, and A user ID obtained from the user device. 如請求項4所述的通過外部系統提領現金的方法,其中該使用者認證資料更包括該使用者登入該使用者裝置使用的一密碼或一生物識別碼,提供該銀行系統利用該密碼或該生物識別碼認證該使用者。The method for withdrawing cash through an external system as described in claim 4, wherein the user authentication data further includes a password or a biometric code used by the user to log in to the user device, and the bank system is provided with the password or The biometric code authenticates the user. 如請求項4或5所述的通過外部系統提領現金的方法,其中該伺服器自該服務裝置接收的該待驗證的使用者認證資料包括該使用者於該服務裝置輸入的該一次式密碼與該使用者識別碼。The method for withdrawing cash through an external system according to claim 4 or 5, wherein the user authentication data to be verified received by the server from the service device includes the one-time password entered by the user on the service device And the user ID. 如請求項1至5中任一項所述的通過外部系統提領現金的方法,其中,於該銀行系統自該使用者裝置接收該使用者認證資料以及該提領金額後,根據該使用者認證資料與該提領金額演算一提領代碼,傳送該提領代碼至該使用者裝置,由該使用者裝置傳送該提領代碼至該服務裝置,使得該服務裝置自該提領代碼取得該待驗證的使用者認證資料。The method for withdrawing cash through an external system according to any one of claim 1 to 5, wherein, after the banking system receives the user authentication data and the withdrawal amount from the user device, according to the user The authentication data and the withdrawal amount calculate a withdrawal code, transmit the withdrawal code to the user device, and the user device transmits the withdrawal code to the service device, so that the service device obtains the withdrawal code from the withdrawal code User authentication data to be verified. 如請求項7所述的通過外部系統提領現金的方法,其中,於該使用者裝置自該銀行系統接收該提領代碼後,產生顯示於一螢幕的一維條碼或二維條碼,或是產生一無線識別碼,再以該一維條碼、該二維條碼或該無線識別碼的形式傳送該提領代碼至該服務裝置。The method for withdrawing cash through an external system as described in claim 7, wherein after the user device receives the withdrawal code from the banking system, a one-dimensional barcode or a two-dimensional barcode displayed on a screen is generated, or A wireless identification code is generated, and the withdrawal code is transmitted to the service device in the form of the one-dimensional barcode, the two-dimensional barcode or the wireless identification code. 一種通過外部系統提領現金的系統,包括: 一伺服器,連接一外部系統,其中該外部系統連線多個設於終端據點的服務裝置,各服務裝置具有唯一服務識別碼; 一執行於一使用者裝置的應用程式,提供使用者輸入提領金額以及使用者認證資料; 其中,於該伺服器中運行一通過外部系統提領現金的方法,包括: 自該使用者裝置接收一使用者認證資料以及一提領金額; 自該多個服務裝置中之一服務裝置接收一服務識別碼以及一待驗證的使用者認證資料; 使用自該使用者裝置接收的該使用者認證資料驗證自該服務裝置接收的該待驗證的使用者認證資料;以及 完成驗證後,確認該提領金額,即根據該服務識別碼傳送一授權信息至該服務裝置,同意交付該提領金額的現金給該使用者。A system for withdrawing cash through an external system, including: A server connected to an external system, wherein the external system is connected to a plurality of service devices located at the terminal base, and each service device has a unique service identification code; 1. An application running on a user's device, providing the user to input the withdrawal amount and user authentication information; Among them, running a method of withdrawing cash through an external system on the server includes: Receive a user authentication data and a withdrawal amount from the user device; Receiving a service identification code and a user authentication data to be verified from one of the plurality of service devices; Use the user authentication data received from the user device to verify the user authentication data to be verified received from the service device; and After completing the verification, confirm the withdrawal amount, that is, send an authorization message to the service device according to the service identification code, and agree to deliver the withdrawal amount in cash to the user. 如請求項9所述的通過外部系統提領現金的系統,其中,於該銀行系統自該使用者裝置接收該使用者認證資料以及該提領金額後,根據該使用者認證資料與該提領金額演算一提領代碼,傳送該提領代碼至該使用者裝置,由該使用者裝置傳送該提領代碼至該服務裝置,使得該服務裝置自該提領代碼取得該待驗證的使用者認證資料。The system for withdrawing cash through an external system according to claim 9, wherein, after the banking system receives the user authentication data and the withdrawal amount from the user device, it is based on the user authentication data and the withdrawal amount A withdrawal code is calculated for the amount, and the withdrawal code is transmitted to the user device, and the user device transmits the withdrawal code to the service device, so that the service device obtains the user authentication to be verified from the withdrawal code material.
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