TWI634506B - Mobile cash withdrawing system - Google Patents

Abstract

The action withdrawal system includes a first computer device, a second computer device, and a cash machine. The first computer device receives the withdrawal serial number request transmitted by the mobile device. Receiving, by the second computer device, the withdrawal number request and determining whether the identification information of the mobile device is consistent with the preset identification message; if yes, the second computer device generates the withdrawal serial number and the withdrawal password and transmits the same to the first computer device for further transmission to the Mobile device. The cash machine transmits a withdrawal transaction request to the second computer device. The second computer device receives the withdrawal transaction request and determines the validity of the withdrawal transaction request, and if so, the second computer device controls the cash dispenser to perform the money dispensing action and returns the money release result message. The second computer device transmits a push notification message to the mobile device display according to the money release result message.

Description

Mobile withdrawal system

The present disclosure is a withdrawal technique and, more particularly, to an action withdrawal system.

When withdrawing cash in modern life, the quickest method adopted by the public is to hold the physical financial card to the cash machine. The specific process is to put the physical financial card into the cash machine and input the chip password, then type the withdrawal amount, and the card issuing bank verifies the information and then instructs the cash machine to dispense the money. However, if you accidentally forget to carry a financial card, you will almost never be able to quickly withdraw cash from your account.

The present disclosure provides a mobile cash withdrawal system including a first computer device, a second computer device, and a cash machine. The first computer device is configured to receive a withdrawal serial number request transmitted by the mobile device. The withdrawal serial number request records the first withdrawal amount and the identification information of the mobile device. The second computer device is connected to the first computer device and configured to receive the withdrawal serial number request and determine whether the identification message is consistent with the preset identification message. If the identification message is consistent with the preset identification message, the second computer device generates the withdrawal serial number and the withdrawal password and transmits the First computer device. The first computer device transmits the withdrawal serial number and the withdrawal password to the mobile device. The cash dispenser is coupled to the second computer device and configured to transmit the withdrawal transaction request to the second computer device. The withdrawal transaction request records the withdrawal serial number, the withdrawal password and the second withdrawal amount. The second computer device is further configured to receive the withdrawal transaction request and determine the validity of the withdrawal transaction request. If the withdrawal transaction request is valid, the second computer device controls the cash dispenser to perform the dispensing operation and returns the money release result message. The second computer device is further configured to send the push notification message to the mobile device display according to the money release result message.

In summary, the disclosure can be used to withdraw money by inputting a withdrawal serial number and a withdrawal password to a cash dispenser, without having to carry a physical financial card with them, thereby greatly increasing the convenience of use. In addition, withdrawal transactions can only be performed through mobile devices with specific identification messages, which also effectively enhance the security of transactions.

The above description will be described in detail in the following embodiments, and further explanation of the technical solutions of the present disclosure is provided.

For the above and other purposes, features, and advantages of the present disclosure The points and embodiments can be more clearly understood, and the attached symbols are as follows:

100, 200‧‧‧ action withdrawal system

110, 120, 220‧‧‧ computer equipment

130‧‧‧Withdrawal machine

140‧‧‧Mobile devices

221‧‧ ‧ gateway

222‧‧‧Accounting Host

250‧‧‧Logic Processing Unit

260‧‧‧Application notification device

270‧‧‧Email notification device

The above and other objects, features, advantages and embodiments of the present disclosure will become more apparent and understood. And FIG. 2 is a schematic diagram illustrating an action withdrawal system according to an embodiment of the present disclosure.

The following disclosure provides many different embodiments or illustrations for implementing the features of the present disclosure. The disclosure may repeatedly recite numerical symbols and/or letters in the various examples, which are for simplicity and elaboration, and do not in themselves specify the relationship between the various embodiments and/or configurations in the following discussion.

In the scope of the embodiments and claims, "one" and "the" may mean a single or plural unless the context specifically dictates the articles. It will be further understood that the terms "comprising", "comprising", "comprising", and "the" One or more of its other features, regions, integers, steps, operations, elements, components, and/or groups thereof.

As used herein, "about", "about" or "approximately" is generally within an error or range of about 20% of the index value, preferably within about 10%, and more preferably It is about five percent. Unless otherwise stated, the numerical values referred to are regarded as approximations, that is, the errors or ranges indicated by "about", "about" or "approximately".

Please refer to FIG. 1 , which is a schematic diagram of an action withdrawal system 100 according to an embodiment of the present disclosure. The mobile cash withdrawal system 100 includes a computer device 110, a computer device 120, and a cash dispenser 130. The computer device 110 (for example, an online banking server) is configured to provide a user interface for the user to operate and display the data for the user to view, etc., and the computer device 120 is connected to the computer device 110 for performing related processing of the account.

For example, in a usage scenario, the user wants to perform a cardless withdrawal and operate the mobile device 140 (eg, a mobile phone, a tablet) and input The amount to be withdrawn (for example, the first withdrawal amount). The mobile device 140 receives the first withdrawal amount input by the user and according to the identification information of the mobile device 140 (for example, an International Mobile Equipment Identity (IMEI) or a Universally Unique Identifier (UUID)) A withdrawal serial number request is generated and a withdrawal serial number request is transmitted to the computer device 120. The computer device 120 is configured to receive the withdrawal number request and determine whether the identification message is consistent with the preset identification message. It should be noted that if the user has previously opened the cardless withdrawal service through the mobile device 140, the computer device 120 records the identification message of the mobile device 140 as a preset identification message, so the computer device 120 can bind the user. The mobile device 140 for requesting the withdrawal serial number is used to enhance the security of each withdrawal serial number request.

If the identification message is consistent with the preset identification message, the computer device 120 generates a set of withdrawal serial numbers and withdrawal passwords and transmits them to the computer device 110, and the computer device 110 transmits the withdrawal serial number and the withdrawal password to the mobile device 140, thus using The withdrawal number and the withdrawal password can be directly used to withdraw money from the cash dispenser 130 without using a wafer financial card. In an embodiment, the withdrawal serial number and the withdrawal password are time-sensitive, that is, the user must have a specific time after the withdrawal of the withdrawal serial number and the withdrawal password (for example, about 15 minutes, but the disclosure is not limited thereto). Within the specified time, the withdrawal serial number and the withdrawal password will lose the withdrawal function.

Therefore, the same or different users can input the withdrawal serial number, the withdrawal password and the amount to be withdrawn (for example, the second withdrawal amount) into the cash dispenser 130, and the cash dispenser 130 draws the withdrawal number according to the input withdrawal number. Password and desire The withdrawal amount (e.g., the second withdrawal amount) generates a withdrawal transaction request and connects to the computer device 120 to transmit the withdrawal transaction request to the computer device 120. It should be noted that the withdrawal transaction request records the withdrawal serial number, the withdrawal password, and the second withdrawal amount entered by the user into the cash dispenser 130.

The computer device 120 is further configured to receive the withdrawal transaction request and determine the validity of the withdrawal transaction request. For example, if the user inputs the withdrawal amount of the cash dispenser 130 (ie, the second withdrawal amount) is different from the withdrawal amount (ie, the first withdrawal amount) input when the withdrawal serial number is applied, the computer device 120 judges that the withdrawal transaction request is invalid, and the cash dispenser 130 does not perform the money discharge action. On the other hand, if the withdrawal number and the withdrawal password of the cash dispenser 130 are correct, the second withdrawal amount is consistent with the first withdrawal amount, and the account balance is sufficient, the computer device 120 determines that the withdrawal transaction request is The cash dispenser 130 is activated and controlled to perform the dispensing operation and returns the dispensing result message (i.e., the cash dispenser 130 returns the dispensing result message to the computer device 120 after the dispensing operation is completed). The computer device 120 is further configured to send a push notification message to the mobile device 140 according to the money release result message. Therefore, the user can immediately know the details of the card-free withdrawal result. It should be noted that the condition that the above-mentioned computer device 120 determines whether the withdrawal transaction request is valid is only an example, and the disclosure is not limited thereto.

For a more detailed description of the action withdrawal system of the present disclosure, please refer to FIG. 2 is a schematic diagram showing an action withdrawal system 200 in accordance with an embodiment of the present disclosure. The mobile cash withdrawal system 200 architecture is substantially identical to the mobile cash withdrawal system 100 except for the logical processing device 250, the computer device 220 including the gateway 221 and the accounting host 222.

In one embodiment, computer device 220 includes gateway 221 and account host 222. The gateway 221 is connected to the computer device 110 and is configured to receive the withdrawal serial number request transmitted by the mobile device 140, and transmit the withdrawal serial number and the withdrawal password to the computer device 110. The accounting host 222 is connected to the gateway 221 and the cash dispenser 130. The account host 222 is configured to receive the withdrawal number request transmitted by the user operating the mobile device 140 and determine whether the identification message of the mobile device 140 is consistent with the preset identification message. If the identification message is consistent with the preset identification message, the account host 222 generates a withdrawal serial number and a withdrawal password. The account host 222 is further configured to receive the withdrawal transaction request transmitted by the cash dispenser 130 and determine the validity of the withdrawal transaction request, and send the push notification message to the mobile device 140 according to the money release result message.

In an embodiment, if the user has not completed the application for the cardless withdrawal service, the user can apply for the cardless service through the user interface provided by the computer device 110. Specifically, the user reads the wafer card message of the wafer card (for example, the wafer financial card) and the authentication code (such as a transaction authorization code (TAC)) generated by the chip card through the card reader, and transmits the computer device 110 through the computer device 110. A user interface (eg, a digital bank) is provided to transfer the wafer card message and the authentication code to the computer device 110. It should be added that the authentication code is generated by the chip card according to the chip card password input by the user, so the authentication code records whether the chip card password is correct or not. In order to protect the privacy information, the logic processing device 250 (for example, an encryption auxiliary processor) is configured to receive the wafer card message and the authentication code from the computer device 110, and encrypt the wafer card message and the authentication code to generate an encrypted wafer card message and an encrypted authentication code. And transmitted to the computer device 110. Therefore, with hidden The wafer card message and the authentication code of the private information are transmitted between the computer device 110 and the computer device 220 in an encrypted form (i.e., an encrypted wafer card message, an encrypted authentication code).

In the above, the user generates a withdrawal service request request (for example, a cardless withdrawal service request request) through the user interface provided by the computer device 110. Thus, the computer device 110 is further configured to receive the encrypted wafer card message and the encrypted authentication code from the logical processing device 250, and transmit the encrypted wafer card message, the encrypted authentication code, and the withdrawal service request request to the computer device 220. The computer device 220 is further configured to determine whether to approve the withdrawal service request request and transmit the application result message (eg, the application is successful or the application fails) to the computer device 110 according to the encrypted wafer card message and the encrypted authentication code. For example, when the encrypted wafer card message has an annotation message (for example, a record account related to a fraud case) or the encrypted authentication code displays a chip card password error, the computer device 220 determines that the withdrawal service request request fails and the transmission fails. The application result message is displayed to the computer device 110 (that is, the user interface provided by the computer device 110), but the disclosure is not limited thereto.

In an embodiment, the user-operated mobile device 140 is further configured to execute the first application to transmit the withdrawal serial number request. The computer device 220 is further configured to send a push notification message to the first application of the mobile device 140 via the application notification device 260 (eg, a server) according to the money release result message.

In order to increase the security of the action withdrawal, in an embodiment, the user-operated mobile device 140 is further configured to execute the second application login account and receive the initial activation code (for example, directly to the bank application or through When the network application is applied, the second application captures the identification message (eg, IMEI code or UUID code) of the mobile device 140 and transmits it to the computer device 110, and the computer device 110 transmits the identification message of the mobile device 140 to the computer device 220. . The computer device 220 records the identification message as a preset identification message, and establishes a correspondence between the usage account (eg, the user's wafer financial card account) and the identification message, that is, the computer device 220 binds the user's wafer financial card account and the mobile device. 140. Therefore, the mobile device 140 can be bound as a device that decides whether to execute the above-mentioned withdrawal transaction, and enhances the security of the transaction.

In addition, the computer device 220 is further configured to send a notification email to the email notification device 270 (eg, a mail server) according to the money release result message, in addition to displaying the money release result message through the push notification message mobile device 140. The email address set by the user, but the disclosure is not limited thereto.

In summary, the disclosure can be used to withdraw money by inputting a withdrawal serial number and a withdrawal password to a cash dispenser, without having to carry a physical financial card with them, thereby greatly increasing the convenience of use. In addition, withdrawal transactions can only be performed through mobile devices with specific identification messages, which also effectively enhance the security of transactions.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present case. Anyone skilled in the art can make various changes and refinements without departing from the spirit and scope of the case. Therefore, the scope of protection of this case is considered. The scope defined in the patent application is subject to change.

Claims (6)

An action withdrawal system comprising: a mobile device, wherein the mobile device has a first application, the mobile device executing the first application to receive a first withdrawal amount through the first application and according to the action A unique identification message of the device generates a withdrawal serial number request, wherein the withdrawal serial number request records the first withdrawal amount and the identification message, wherein the unique identification message is an international mobile device identification code of the mobile device (International mobile equipment a first computer device, the mobile device communicates with the first computer device through the first application, and transmits the reference through the first application The serial number is requested to the first computer device; a second computer device is connected to the first computer device and configured to receive the withdrawal serial number request and determine whether the identification message is consistent with a preset identification message, wherein the identification The message is consistent with the preset identification message, and the second computer device generates a withdrawal And a withdrawal password transmitted to the first computer device, the first computer device transmits the withdrawal serial number and the withdrawal password to the mobile device; and a cash machine connected to the second computer device and used Transmitting a withdrawal transaction request to the second computer device, wherein the withdrawal transaction request records the withdrawal serial number, the withdrawal password and a second withdrawal amount, and the second computer device is further configured to receive the withdrawal Transaction request and determine the validity of the withdrawal transaction request; If the withdrawal transaction request is valid, the second computer device controls the cash machine to perform a money discharge operation and returns a money discharge result message, and the second computer device is further configured to use the money release result message according to the An application notification device sends a push notification message to the mobile device and is displayed by the first application, wherein the first computer device is further configured to receive an encrypted wafer card message and an encrypted authentication code, and transmit the encryption The chip card message, the encrypted authentication code and a withdrawal service request request to the second computer device, the second computer device is further configured to determine, according to the encrypted chip card message and the encrypted authentication code, whether to approve the withdrawal service request request And transmitting an application result message to the first computer device display, wherein when the encrypted wafer card message has a note message or the encrypted authentication code indicates that the chip card password is incorrect, the second computer device determines the withdrawal service request request Not passing, wherein the mobile device is further configured to execute a second application to log in to a usage account and receive an initial activation And the second application captures the identification message of the mobile device and transmits the identification message to the first computer device, the first computer device transmits the identification message to the second computer device, and the second computer device records the identification The message is the preset identification message and establishes a correspondence between the usage account and the identification message. The action withdrawal system of claim 1, wherein the first computer device is further configured to provide a user interface to generate the withdrawal service request request. The action withdrawal system of claim 1, wherein the The first computer device is further configured to receive a chip card message and an authentication code, the authentication code is generated by using a chip card according to a chip card password, and the action withdrawal system further comprises: a logic processing device for The first computer device receives the wafer card message and the authentication code, and encrypts the wafer card message and the authentication code to generate the encrypted wafer card message, the encrypted authentication code, and transmits the encrypted authentication code to the first computer device. The action withdrawal system of claim 1, wherein the second computer device is further configured to send a notification mail via an email notification device according to the money release result message. The action withdrawal system of claim 1, wherein the second computer device comprises: a gateway connected to the first computer device and configured to receive the withdrawal serial number request transmitted by the mobile device, and transmit the And a billing number to the first computer device; and a billing host, connecting to the gateway and the cash machine and receiving the withdrawal transaction request sent by the cash machine and determining the mention The validity of the transaction request, receiving the withdrawal serial number request and determining whether the identification message is consistent with the preset identification message, and if the identification message is consistent with the preset identification message, generating the withdrawal serial number and the withdrawal password And sending a push notification message to the mobile device display according to the money release result message. The action withdrawal system as claimed in claim 1, wherein If the first withdrawal amount does not match the second withdrawal amount, the second computer device determines that the withdrawal transaction request is invalid.