TWI634506B - Mobile cash withdrawing system - Google Patents

Mobile cash withdrawing system Download PDF

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Publication number
TWI634506B
TWI634506B TW105118803A TW105118803A TWI634506B TW I634506 B TWI634506 B TW I634506B TW 105118803 A TW105118803 A TW 105118803A TW 105118803 A TW105118803 A TW 105118803A TW I634506 B TWI634506 B TW I634506B
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Taiwan
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withdrawal
computer
message
mobile
request
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TW105118803A
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Chinese (zh)
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TW201743267A (en
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林政宏
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華南商業銀行股份有限公司
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Abstract

行動提款系統包含第一計算機裝置、第二計算機裝置與提款機。第一計算機裝置接收行動裝置傳送之提款序號請求。第二計算機裝置接收提款序號請求並判斷行動裝置之識別訊息是否與預設識別訊息一致,若是,則第二計算機裝置產生提款序號與提款密碼並傳送至第一計算機裝置以進一步傳送至行動裝置。提款機傳送提款交易請求至第二計算機裝置。第二計算機裝置接收提款交易請求並判斷提款交易請求之有效性,若是,則第二計算機裝置控制提款機執行吐鈔動作並回傳吐鈔結果訊息。第二計算機裝置根據吐鈔結果訊息發送推播通知訊息至行動裝置顯示。 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

行動提款系統 Mobile withdrawal system

本揭示內容是一種提款技術,且特別是有關於一種行動提款系統。 The present disclosure is a withdrawal technique and, more particularly, to an action withdrawal system.

現代生活中提領現金時,民眾大多採用的快速做法是持實體金融卡至提款機操作。具體流程為將實體金融卡放入提款機並輸入晶片密碼後,鍵入提領金額,發卡銀行驗證資料無誤後指示提款機進行吐鈔。然而,若不慎忘記攜帶金融卡,則幾乎無法快速地提領帳戶裡的現金。 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.

本揭示內容提供一種行動提款系統,其包含第一計算機裝置、第二計算機裝置與提款機。第一計算機裝置用以接收行動裝置傳送之提款序號請求。提款序號請求紀錄第一提款金額與該行動裝置之識別訊息。第二計算機裝置連線至第一計算機裝置並用以接收提款序號請求並判斷識別訊息是否與預設識別訊息一致。若識別訊息與預設識別訊息一致,則第二計算機裝置產生提款序號與提款密碼並傳送至 第一計算機裝置。第一計算機裝置傳送提款序號與提款密碼至行動裝置。提款機連線至第二計算機裝置並用以傳送提款交易請求至第二計算機裝置。提款交易請求紀錄提款序號、提款密碼與第二提款金額。第二計算機裝置更用以接收提款交易請求並判斷提款交易請求之有效性。若提款交易請求為有效,則第二計算機裝置控制提款機執行吐鈔動作並回傳吐鈔結果訊息。第二計算機裝置更用以根據吐鈔結果訊息發送推播通知訊息至行動裝置顯示。 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.

綜上所述,本揭示內容可透過輸入提款序號與提款密碼至提款機進行提款,而無須隨身攜帶實體金融卡,大幅增加使用上的便利性。此外,提款交易僅能透過具有特定識別訊息的行動裝置執行,亦有效地提升交易的安全性。 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.

以下將以實施方式對上述之說明作詳細的描述,並對本揭示內容之技術方案提供更進一步的解釋。 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.

為讓本揭示內容之上述和其他目的、特徵、優 點與實施例能更明顯易懂,所附符號之說明如下: 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‧‧‧行動提款系統 100, 200‧‧‧ action withdrawal system

110、120、220‧‧‧計算機裝置 110, 120, 220‧‧‧ computer equipment

130‧‧‧提款機 130‧‧‧Withdrawal machine

140‧‧‧行動裝置 140‧‧‧Mobile devices

221‧‧‧閘道器 221‧‧ ‧ gateway

222‧‧‧帳務主機 222‧‧‧Accounting Host

250‧‧‧邏輯處理裝置 250‧‧‧Logic Processing Unit

260‧‧‧應用程式通知裝置 260‧‧‧Application notification device

270‧‧‧郵件通知裝置 270‧‧‧Email notification device

為讓本揭示內容之上述和其他目的、特徵、優點與實施例能更明顯易懂,所附圖示之說明如下:第1圖係說明本揭示內容一實施例之行動提款系統之示意圖;以及第2圖係說明本揭示內容一實施例之行動提款系統之示意圖。 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.

以下揭示提供許多不同實施例或例證用以實施本揭示的特徵。本揭示在不同例證中可能重複引用數字符號且/或字母,這些重複皆為了簡化及闡述,其本身並未指定以下討論中不同實施例且/或配置之間的關係。 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.

於實施方式與申請專利範圍中,除非內文中對於冠詞有所特別限定,否則「一」與「該」可泛指單一個或複數個。將進一步理解的是,本文中所使用之「包含」、「包括」、「具有」及相似詞彙,指明其所記載的特徵、區域、整數、步驟、操作、元件與/或組件,但不排除其所述或額外的其一個或多個其它特徵、區域、整數、步驟、操作、元件、組件,與/或其中之群組。 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.

關於本文中所使用之「約」、「大約」或「大致約」一般通常係指數值之誤差或範圍約百分之二十以內,較好地是約百分之十以內,而更佳地則是約百分五之以內。文中若無明確說明,其所提及的數值皆視作為近似值,即如「約」、「大約」或「大致約」所表示的誤差或範圍。 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".

請參考第1圖,第1圖係說明本揭示內容一實施例之行動提款系統100之示意圖。行動提款系統100包含計算機裝置110、計算機裝置120與提款機130。計算機裝置110(例如網路銀行伺服器)用以提供使用者介面讓使用者操作並可顯示資料供使用者閱覽等,而計算機裝置120則連線至計算機裝置110並用以進行帳戶的相關處理。 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.

舉例而言,於一使用情境中,使用者欲進行無卡提款而操作行動裝置140(例如手機、平板電腦)並輸入 欲提領金額(例如第一提款金額)。行動裝置140接收使用者輸入的第一提款金額並根據行動裝置140的識別訊息(例如國際移動設備識別碼(International mobile equipment identity,IMEI)或通用唯一識別符(Universally unique identifier,UUID))而產生提款序號請求,並且傳送提款序號請求至計算機裝置120。計算機裝置120用以接收提款序號請求並判斷識別訊息是否與預設識別訊息一致。須注意到的是,若使用者先前已透過行動裝置140開通無卡提款服務,則計算機裝置120將行動裝置140的上述識別訊息紀錄為預設識別訊息,因此計算機裝置120可綁定使用者用來申請提款序號的行動裝置140以提升每次提款序號請求的安全性。 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.

若識別訊息與預設識別訊息一致,則計算機裝置120產生一組提款序號與提款密碼並傳送至計算機裝置110,並且計算機裝置110傳送提款序號與提款密碼至行動裝置140,因此使用者可直接利用提款序號與提款密碼至提款機130進行提款,而無須使用晶片金融卡。於一實施例中,提款序號與提款密碼具有時效性,亦即使用者必須於提款序號與提款密碼產生之後的特定時間(例如約15分鐘,但本揭示內容不以此為限)內進行提款,超過上述特定時間則提款序號與提款密碼將失去提款功能。 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.

於是,相同或不同使用者可將上述提款序號、提款密碼與欲提領金額(例如第二提款金額)輸入提款機130,而提款機130依據輸入的提款序號、提款密碼與欲提 領金額(例如第二提款金額)產生提款交易請求並連線至計算機裝置120以傳送提款交易請求至計算機裝置120。須注意到的是,提款交易請求紀錄提款序號、提款密碼與使用者輸入提款機130的第二提款金額。 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.

計算機裝置120更用以接收提款交易請求並判斷提款交易請求的有效性。舉例而言,若使用者輸入提款機130的提領金額(亦即第二提款金額)不同於申請提款序號時輸入的提領金額(亦即第一提款金額),則計算機裝置120判斷提款交易請求為無效,並且提款機130不會進行吐鈔動作。反之,若使用者輸入提款機130的提款序號與提款密碼均正確無誤,第二提款金額與第一提款金額一致,並且帳戶餘額足夠,則計算機裝置120判斷提款交易請求為有效並控制提款機130執行吐鈔動作並回傳吐鈔結果訊息(亦即提款機130於吐鈔動作結束後回傳吐鈔結果訊息至計算機裝置120)。計算機裝置120更用以根據吐鈔結果訊息發送推播通知訊息至行動裝置140顯示。因此,使用者可即時得知無卡提款結果的明細資料。須注意的是,上述計算機裝置120判斷提款交易請求是否有效的條件僅為舉例說明,本揭示內容不以此為限。 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.

為了更詳細說明本揭示內容的行動提款系統,請參考第2圖。第2圖係說明本揭示內容一實施例之行動提款系統200之示意圖。行動提款系統200架構與行動提款系統100大致上相同,除了邏輯處理裝置250、包含閘道器221與帳務主機222的計算機裝置220。 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.

於一實施例中,計算機裝置220包含閘道器221與帳務主機222。閘道器221連線至計算機裝置110並用以接收行動裝置140傳送的提款序號請求,以及傳送提款序號與提款密碼至計算機裝置110。帳務主機222連線至閘道器221與提款機130。帳務主機222用以接收使用者操作行動裝置140傳送的提款序號請求並判斷行動裝置140的識別訊息是否與預設識別訊息一致。若該識別訊息與該預設識別訊息一致,則帳務主機222產生提款序號與提款密碼。帳務主機222更用以接收提款機130傳送的提款交易請求並判斷提款交易請求的有效性,以及根據吐鈔結果訊息發送推播通知訊息至行動裝置140顯示。 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.

於一實施例中,若使用者尚未完成無卡提款服務的申請,則使用者可透過計算機裝置110提供的使用者介面進行無卡服務的申請。具體而言,使用者透過讀卡機讀取晶片卡(例如晶片金融卡)的晶片卡訊息以及晶片卡產生的認證碼(例如交易授權碼(Transaction authentication code,TAC)),並且透過計算機裝置110提供的使用者介面(例如數位銀行)傳送晶片卡訊息與認證碼至計算機裝置110。須補充的是,認證碼係透過晶片卡根據使用者輸入的晶片卡密碼而產生,因此認證碼紀錄晶片卡密碼是否正確的訊息。為了保護隱私資訊,邏輯處理裝置250(例如加密輔助處理器)用以從計算機裝置110接收晶片卡訊息與認證碼,以及將晶片卡訊息、認證碼進行加密以產生加密晶片卡訊息、加密認證碼並傳送至計算機裝置110。因此,帶有隱 私資訊的晶片卡訊息與認證碼以加密的形式(亦即加密晶片卡訊息、加密認證碼)於計算機裝置110與計算機裝置220之間傳輸。 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).

承上述,使用者透過計算機裝置110提供的使用者介面產生提款服務申請請求(例如無卡提款服務申請請求)。於是,計算機裝置110更用以從邏輯處理裝置250接收加密晶片卡訊息與加密認證碼,並傳送加密晶片卡訊息、加密認證碼與提款服務申請請求至計算機裝置220。計算機裝置220更用以根據加密晶片卡訊息與加密認證碼判斷是否核准提款服務申請請求並傳送申請結果訊息(例如申請成功或申請不通過)至計算機裝置110顯示。舉例而言,當加密晶片卡訊息存在註記訊息(例如紀錄帳戶與詐騙案件有關的訊息)或加密認證碼顯示晶片卡密碼錯誤時,計算機裝置220判斷提款服務申請請求不通過,並傳送不通過的申請結果訊息至計算機裝置110(亦即計算機裝置110提供的使用者介面)顯示,但本揭示內容不以此為限。 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.

於一實施例中,使用者操作的行動裝置140更用以執行第一應用程式以傳送提款序號請求。計算機裝置220更用以根據吐鈔結果訊息經由應用程式通知裝置260(例如伺服器)發送推播通知訊息至行動裝置140的第一應用程式顯示。 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.

為了增加行動提款的安全性,於一實施例中,使用者操作的行動裝置140更用以執行第二應用程式登入使用帳戶並接收初次啟動碼(例如直接至銀行臨櫃申請或透 過網路申請)時,第二應用程式擷取行動裝置140的識別訊息(例如IMEI碼或UUID碼)並傳送至計算機裝置110,並且計算機裝置110將行動裝置140的識別訊息傳送至計算機裝置220。計算機裝置220紀錄識別訊息為預設識別訊息,以及建立使用帳戶(例如使用者的晶片金融卡帳戶)與識別訊息的對應關係,亦即計算機裝置220綁定使用者的晶片金融卡帳戶與行動裝置140。因此,行動裝置140可綁定為決定是否執行上述提款交易的裝置,提升交易的安全性。 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.

除了透過推播通知訊息制行動裝置140顯示吐鈔結果訊息之外,於一實施例中,計算機裝置220更用以根據吐鈔結果訊息經由郵件通知裝置270(例如郵件伺服器)發送通知郵件至使用者設定的電子郵件信箱,但本揭示內容不以此為限。 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.

綜上所述,本揭示內容可透過輸入提款序號與提款密碼至提款機進行提款,而無須隨身攜帶實體金融卡,大幅增加使用上的便利性。此外,提款交易僅能透過具有特定識別訊息的行動裝置執行,亦有效地提升交易的安全性。 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.

雖然本案已以實施方式揭露如上,然其並非用以限定本案,任何熟習此技藝者,在不脫離本案之精神和範圍內,當可作各種之更動與潤飾,因此本案之保護範圍當視後附之申請專利範圍所界定者為準。 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)

一種行動提款系統,包含:一行動裝置,其中該行動裝置具有一第一應用程式,該行動裝置執行該第一應用程式以透過該第一應用程式接收一第一提款金額以及根據該行動裝置的一唯一識別訊息產生一提款序號請求,其中該提款序號請求紀錄該第一提款金額與該識別訊息,其中該唯一識別訊息為該行動裝置的國際移動設備識別碼(International mobile equipment identity,IMEI)或通用唯一識別符(Universally unique identifier,UUID);一第一計算機裝置,該行動裝置透過該第一應用程式和該第一計算機裝置通訊,並透過該第一應用程式傳送該提款序號請求給該第一計算機裝置;一第二計算機裝置,連線至該第一計算機裝置並用以接收該提款序號請求並判斷該識別訊息是否與一預設識別訊息一致,其中若該識別訊息與該預設識別訊息一致,則該第二計算機裝置產生一提款序號與一提款密碼並傳送至該第一計算機裝置,該第一計算機裝置傳送該提款序號與該提款密碼至該行動裝置;以及一提款機,連線至該第二計算機裝置並用以傳送一提款交易請求至該第二計算機裝置,其中該提款交易請求紀錄該提款序號、該提款密碼與一第二提款金額,該第二計算機裝置更用以接收該提款交易請求並判斷該提款交易請求之有效性; 其中若該提款交易請求為有效,則該第二計算機裝置控制該提款機執行一吐鈔動作並回傳一吐鈔結果訊息,該第二計算機裝置更用以根據該吐鈔結果訊息經由一應用程式通知裝置發送一推播通知訊息至該行動裝置,並由該第一應用程式顯示,其中該第一計算機裝置更用以接收一加密晶片卡訊息與一加密認證碼,並傳送該加密晶片卡訊息、該加密認證碼與一提款服務申請請求至該第二計算機裝置,該第二計算機裝置更用以根據該加密晶片卡訊息與該加密認證碼判斷是否核准該提款服務申請請求並傳送一申請結果訊息至該第一計算機裝置顯示,其中當該加密晶片卡訊息存在一註記訊息或該加密認證碼顯示該晶片卡密碼錯誤時,該第二計算機裝置判斷該提款服務申請請求不通過,其中該行動裝置更用以執行一第二應用程式登入一使用帳戶並接收一初次啟動碼時,該第二應用程式擷取該行動裝置之該識別訊息並傳送至該第一計算機裝置,該第一計算機裝置傳送該識別訊息至該第二計算機裝置,並且第二計算機裝置紀錄該識別訊息為該預設識別訊息以及建立該使用帳戶與該識別訊息之一對應關係。 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. 如請求項1所述之行動提款系統,其中該第一計算機裝置更用以提供一使用者介面以產生該提款服務申請請求。 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. 如請求項1所述之行動提款系統,其中該 第一計算機裝置更用以接收一晶片卡訊息與一認證碼,該認證碼係透過一晶片卡根據一晶片卡密碼而產生,該行動提款系統更包含:一邏輯處理裝置,用以從該第一計算機裝置接收該晶片卡訊息與該認證碼,以及將該晶片卡訊息、該認證碼進行加密以產生該加密晶片卡訊息、該加密認證碼並傳送至該第一計算機裝置。 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. 如請求項1所述之行動提款系統,其中該第二計算機裝置更用以根據該吐鈔結果訊息經由一郵件通知裝置發送一通知郵件。 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. 如請求項1所述之行動提款系統,其中該第二計算機裝置包含:一閘道器,連線至該第一計算機裝置並用以接收該行動裝置傳送之該提款序號請求,傳送該提款序號與該提款密碼至該第一計算機裝置;以及一帳務主機,連線至該閘道器與該提款機並用以接收該提款機傳送之該提款交易請求並判斷該提款交易請求之有效性,接收該提款序號請求並判斷該識別訊息是否與該預設識別訊息一致,若該識別訊息與該預設識別訊息一致,則產生該提款序號與該提款密碼,以及根據該吐鈔結果訊息發送一推播通知訊息至該行動裝置顯示。 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. 如請求項1所述之行動提款系統,其中當 該第一提款金額與該第二提款金額不一致,則該第二計算機裝置判斷該提款交易請求為無效。 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.
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