TWI671715B - Mobile withdrawal system and method, computer readable recording medium and computer program product - Google Patents

Mobile withdrawal system and method, computer readable recording medium and computer program product Download PDF

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TWI671715B
TWI671715B TW107125421A TW107125421A TWI671715B TW I671715 B TWI671715 B TW I671715B TW 107125421 A TW107125421 A TW 107125421A TW 107125421 A TW107125421 A TW 107125421A TW I671715 B TWI671715 B TW I671715B
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withdrawal
bank
card account
transaction
financial card
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TW107125421A
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TW202008315A (en
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田育任
張麗芳
汪曉雯
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財金資訊股份有限公司
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Abstract

一種行動提款系統,包括:自動提款機包括:顯示輸入提款金額畫面及提款二維條碼,輸入提款金額;掃描提款交易二維條碼;接收允許提款信號,將提款金額組譯成提款二維條碼,解譯提款交易二維條碼得到金融卡帳號及交易驗證碼,發送金融卡帳號及交易驗證碼;智慧型行動裝置包括:掃描第一觸控螢幕顯示之提款二維條碼;解譯提款二維條碼得到提款金額,將金融卡帳號及交易驗證碼組譯成提款交易二維條碼;及設定金融卡帳號及輸入密碼,透過密碼將金融卡帳號、交易日期、交易金額轉換成交易驗證碼,顯示提款金額與提款交易二維條碼。A mobile withdrawal system includes: an automatic teller machine including: displaying a screen for entering a withdrawal amount and a two-dimensional bar code for withdrawal, inputting a withdrawal amount; scanning a two-dimensional bar code for withdrawal transactions; receiving a signal for allowing withdrawal, and a withdrawal amount Group translation into two-dimensional bar code for withdrawal, decipher the two-dimensional bar code for withdrawal transaction to obtain financial card account number and transaction verification code, and send financial card account number and transaction verification code; smart mobile devices include: scanning the first touch screen display 2D barcode; interpret the withdrawal 2D barcode to get the withdrawal amount, translate the financial card account number and transaction verification code into a withdrawal transaction 2D barcode; and set the financial card account number and enter the password to pass the password to the financial card account number , Transaction date, and transaction amount are converted into transaction verification codes, displaying the withdrawal amount and the two-dimensional bar code of the withdrawal transaction.

Description

行動提款系統及方法、電腦可讀取之記錄媒體及電腦程式產品Mobile withdrawal system and method, computer-readable recording medium and computer program product

本發明有關於電腦之領域,特別有關於一種行動提款系統及方法、電腦可讀取之記錄媒體及電腦程式產品。The present invention relates to the field of computers, and in particular, to a mobile cash withdrawal system and method, a computer-readable recording medium, and a computer program product.

由於國人對於現金交易的依賴度高,自動提款機之提款業務是民眾經常需求的金融交易行為,據金管會統計,2017年11月底,全台銀行共設有2.8萬台ATM,以台灣2,357萬人口換算,平均每842人就擁有一台ATM,密度堪稱世界第一。Due to the high reliance of Chinese on cash transactions, the cash withdrawal business of ATMs is a financial transaction often demanded by the public. According to the statistics of the Financial Management Commission, at the end of November 2017, banks in Taiwan had a total of 28,000 ATMs. In terms of a population of 23.57 million people, there is an ATM per 842 people, which is the highest density in the world.

然而隨著智慧型手機、資訊科技的發展及持卡人支付行為的改變,行動支付已成金融業者、第三方支付業者必爭之地,而行動提款已是金融機構對於自動提款機之提款業務之主要發展重點。However, with the development of smart phones, information technology and changes in cardholder payment behavior, mobile payment has become a must for financial industry and third-party payment industry, and mobile withdrawals have become a financial institution's The main development focus of the cash withdrawal business.

鑑於上述,本發明之目的在於提供一種行動提款系統及方法、電腦可讀取之記錄媒體及電腦程式產品,藉由自動提款機之軟體升級與新增如QR Code之二維條碼之掃描器,讓自動提款機與如智慧型手機之智慧型行動裝置進行互動式之行動提款作業,且由發卡行進行授權驗證作業,藉此完善行動提款作業機制,俾利快速、便利之提款功能,強化行動金融服務完整性。In view of the above, the object of the present invention is to provide a mobile cash withdrawal system and method, a computer-readable recording medium, and a computer program product, through the software upgrade of the cash dispenser and the addition of scanning of a QR code such as a QR code Device, allowing the ATM and smart mobile devices such as smart phones to perform interactive mobile cash withdrawal operations, and the card issuer to perform authorization verification operations, thereby improving the mobile cash withdrawal operation mechanism, which is fast and convenient. Withdrawal function to strengthen the integrity of mobile financial services.

本發明之第一態樣係提供一種行動提款方法,其包括下列步驟: 在一自動提款機之一第一觸控螢幕上顯示之一輸入提款金額畫面中輸入一提款金額; 由該自動提款機之一第一處理器將該提款金額組譯成一提款二維條碼; 由該第一處理器傳送該提款二維條碼至該第一觸控螢幕,而由該第一觸控螢幕顯示該提款二維條碼; 由一智慧型行動裝置之一第二掃描器掃描該第一觸控螢幕顯示之該提款二維條碼,而由該智慧型行動裝置之一第二處理器解譯該提款二維條碼,並將解譯該提款二維條碼得到之該提款金額顯示在該智慧型行動裝置之一第二觸控螢幕上; 在該第二觸控螢幕上設定一金融卡帳號及輸入一密碼,由第二處理器透過密碼將金融卡帳號、交易日期、交易金額轉換成交易驗證碼(TAC),並將該金融卡帳號及該交易驗證碼(TAC)組譯成一提款交易二維條碼,並將該提款交易二維條碼顯示在該第二觸控螢幕上; 由該自動提款機之一第一掃描器掃描該第二觸控螢幕顯示之該提款交易二維條碼,並由該第一處理器解譯該提款交易二維條碼,以得到該金融卡帳號及該交易驗證碼(TAC),由該第一處理器將該金融卡帳號及該交易驗證碼(TAC)發送至該代理行平台;以及 由該自動提款機接收到該代理行平台發送之一允許提款信號時根據該提款金額進行吐鈔。A first aspect of the present invention provides a mobile withdrawal method including the following steps: entering a withdrawal amount in a withdrawal amount input screen displayed on a first touch screen of an automatic teller machine; A first processor of one of the automatic teller machines translates the withdrawal amount into a withdrawal two-dimensional bar code; the first processor sends the withdrawal two-dimensional bar code to the first touch screen, and the The first touch screen displays the withdrawal two-dimensional bar code; the second scanner of a smart mobile device scans the withdrawal two-dimensional bar code displayed by the first touch screen, and one of the smart mobile devices The second processor interprets the withdrawal 2D barcode and displays the withdrawal amount obtained by interpreting the withdrawal 2D barcode on a second touch screen of one of the smart mobile devices; on the second touch Set a financial card account number and enter a password on the control screen, and the second processor will convert the financial card account number, transaction date, and transaction amount into a transaction verification code (TAC) through the password, and convert the financial card account number and the transaction verification code. (TAC) group translation into a two-dimensional bar withdrawing transaction And display the two-dimensional bar code of the withdrawal transaction on the second touch screen; a first scanner of one of the automatic teller machines scans the two-dimensional bar code of the withdrawal transaction displayed on the second touch screen, and The first processor interprets the two-dimensional bar code of the withdrawal transaction to obtain the financial card account number and the transaction verification code (TAC), and the first processor interprets the financial card account number and the transaction verification code (TAC) Sending to the correspondent bank platform; and when the automatic teller machine receives one of the allowance withdrawal signals sent by the correspondent bank platform, according to the amount of the withdrawal, the banknote is dispensed.

本發明之第二態樣係提供一種行動提款系統,其包括: 一自動提款機,在接收到一代理行平台發送之一允許提款信號時根據一提款金額進行吐鈔,該自動提款機包括: 一第一觸控螢幕,顯示一輸入提款金額畫面及一提款二維條碼,輸入該提款金額在該輸入提款金額畫面上; 一第一掃描器,掃描一智慧型行動裝置顯示之一提款交易二維條碼;以及 一第一處理器,接收該允許提款信號,將該提款金額組譯成該提款二維條碼,解譯該第一掃描器所掃描之該提款交易二維條碼,以得到一金融卡帳號及一交易驗證碼(TAC),發送該金融卡帳號及該交易驗證碼(TAC)至該代理行平台;以及 該智慧型行動裝置,其包括: 一第二掃描器,掃描該第一觸控螢幕顯示之該提款二維條碼; 一第二處理器,解譯該提款二維條碼以得到該提款金額,將該金融卡帳號及該交易驗證碼(TAC)組譯成該提款交易二維條碼;以及 一第二觸控螢幕,設定該金融卡帳號及輸入該密碼,顯示該提款金額與該提款交易二維條碼。A second aspect of the present invention provides a mobile cash withdrawal system, which includes: an automatic teller machine that, when receiving a withdrawal permission signal sent by an agent bank platform, performs a cash withdrawal based on a withdrawal amount, the automatic withdrawal machine The ATM includes: a first touch screen, displaying a screen for entering a withdrawal amount and a two-dimensional bar code for withdrawal, and entering the withdrawal amount on the screen for entering the withdrawal amount; a first scanner for scanning a wisdom A mobile device displays a two-dimensional bar code of a withdrawal transaction; and a first processor receives the withdrawal permit signal, translates the withdrawal amount into the withdrawal two-dimensional bar code, and interprets the first scanner. Scan the two-dimensional bar code of the withdrawal transaction to obtain a financial card account number and a transaction verification code (TAC), and send the financial card account number and the transaction verification code (TAC) to the correspondent bank platform; and the smart mobile device , Which includes: a second scanner that scans the two-dimensional barcode for withdrawal displayed on the first touch screen; a second processor that interprets the two-dimensional barcode for withdrawal to obtain the withdrawal amount, and the financial Card account number and the transaction verification Code (TAC) group translated the withdrawal transaction dimensional bar code; and a second touch screen, set the debit card account number and the password is entered, the withdrawal amount is displayed with the withdrawal transaction dimensional bar code.

本發明之第三態樣係提供一種內儲一程式之電腦可讀取之記錄媒體,當行動提款系統於該電腦可讀取之記錄媒體載入該程式並執行後,可完成本發明之第一態樣之方法。A third aspect of the present invention is to provide a computer-readable recording medium with a program stored therein. When the mobile cash withdrawal system loads the program on the computer-readable recording medium and executes the program, the invention can be completed. The first way.

本發明之第四態樣係提供一種內儲一程式之電腦程式產品,當行動提款系統於電腦程式產品載入該程式並執行後,可完成本發明之第一態樣之方法。A fourth aspect of the present invention provides a computer program product that stores a program. When the mobile withdrawal system loads and executes the program in the computer program product, the method of the first aspect of the present invention can be completed.

為使熟習本發明所屬技術領域之一般技藝者能更進一步了解本發明,下文特列舉本發明之較佳實施例,並配合所附圖式,詳細說明本發明的構成內容及所欲達成之功效。In order to make a person skilled in the art who is familiar with the technical field of the present invention further understand the present invention, the preferred embodiments of the present invention are enumerated below, and in conjunction with the accompanying drawings, the constitutional content of the present invention and the desired effects are described in detail .

圖1為本發明之行動提款系統之方塊圖。在圖1中,行動提款系統包括一自動提款機10及一智慧型行動裝置20。自動提款機10包括一處理器12、一觸控螢幕14及一掃描器16。智慧型行動裝置20包括一處理器22、一觸控螢幕24及一掃描器26。FIG. 1 is a block diagram of a mobile cash withdrawal system of the present invention. In FIG. 1, the mobile cash withdrawal system includes an ATM 10 and a smart mobile device 20. The cash dispenser 10 includes a processor 12, a touch screen 14 and a scanner 16. The smart mobile device 20 includes a processor 22, a touch screen 24 and a scanner 26.

觸控螢幕14顯示一操作畫面(未圖示),在該操作畫面上具有一QR Code提款選項,提款者在該操作畫面中點選QR Code提款選項,以進行一行動提款作業。在點選QR Code提款選項後,觸控螢幕14上顯示一輸入提款金額畫面(未圖示)。The touch screen 14 displays an operation screen (not shown) with a QR Code withdrawal option on the operation screen. Withdrawers click the QR Code withdrawal option in the operation screen to perform a mobile withdrawal operation. . After tapping the QR Code withdrawal option, a touch screen 14 (not shown) for entering a withdrawal amount is displayed on the touch screen 14.

當觸控螢幕14上顯示該輸入提款金額畫面時,提款者輸入一提款金額在輸入提款金額畫面上。處理器12接收到該提款金額後,處理器12將該提款金額、相應自動提款機10之一自動提款機機台代碼及自動提款機10所屬的銀行之一銀行名稱等資料組譯成一提款QR Code,再將該提款QR Code傳送至觸控螢幕14,而由觸控螢幕14顯示該提款QR Code。When the screen for inputting a withdrawal amount is displayed on the touch screen 14, the withdrawalr enters a withdrawal amount on the screen for entering a withdrawal amount. After the processor 12 receives the withdrawal amount, the processor 12 stores the withdrawal amount, the corresponding ATM machine code of one of the ATMs 10, and the name of a bank to which the ATM 10 belongs. The group translates into a withdrawal QR Code, and then sends the withdrawal QR Code to the touch screen 14, and the touch screen 14 displays the withdrawal QR Code.

提款者開啟如智慧型手機之智慧型行動裝置20中之錢包app,而以智慧型行動裝置20之掃描器26掃描顯示於觸控螢幕14之提款QR Code,且由智慧型行動裝置20之處理器22解譯出提款QR Code中之提款金額、自動提款機機台代碼及銀行名稱等資料,而在觸控螢幕24顯示該等資料。The cashier opens the wallet app in the smart mobile device 20 such as a smart phone, and the scanner 26 of the smart mobile device 20 scans the withdrawal QR code displayed on the touch screen 14 and the smart mobile device 20 The processor 22 decodes the information such as the withdrawal amount, ATM machine code and bank name in the withdrawal QR Code, and displays such information on the touch screen 24.

提款者觀看觸控螢幕24顯示之提款金額、自動提款機機台代碼及銀行名稱等資料無誤後,提款者在觸控螢幕24上設定用以提款之一金融卡帳號及輸入相應該金融卡帳號之一密碼。處理器22透過密碼將金融卡帳號、交易日期、交易金額轉換成交易驗證碼(TAC),並將金融卡帳號及交易驗證碼(TAC)組譯成一提款交易QR Code,並在觸控螢幕24上顯示該提款交易QR Code。After the cashier sees the withdrawal amount displayed on the touch screen 24, the ATM machine code, and the bank name, etc., the cashier sets up a debit card account on the touchscreen 24 and enters it. Corresponds to the password of one of the debit card accounts. The processor 22 converts the financial card account number, transaction date, and transaction amount into a transaction verification code (TAC) through a password, and translates the financial card account number and transaction verification code (TAC) into a withdrawal transaction QR Code, and touches the The QR Code of the withdrawal transaction is displayed on the screen 24.

自動提款機10之掃描器16掃描智慧型行動裝置20之觸控螢幕24顯示之提款交易QR Code,自動提款機10之處理器12解譯提款交易QR Code以得到金融卡帳號及交易驗證碼(TAC),處理器12將金融卡帳號及交易驗證碼(TAC)發送至代理行平台30。 The scanner 16 of the ATM 10 scans the QR code of the withdrawal transaction displayed on the touch screen 24 of the smart mobile device 20, and the processor 12 of the ATM 10 interprets the QR code of the withdrawal transaction to obtain the financial card account number and The transaction verification code (TAC), the processor 12 sends the financial card account number and the transaction verification code (TAC) to the correspondent bank platform 30.

代理行平台30判斷所接收之金融卡帳號對應之銀行是否與代理行平台30對應之銀行相同,若金融卡帳號對應之銀行與代理行平台30對應之銀行相同,則代理行平台30驗證金融卡帳號及交易驗證碼(TAC)無誤後由代理行平台30發送一允許提款信號至自動提款機10。 The correspondent bank platform 30 determines whether the bank corresponding to the received financial card account number is the same as the bank corresponding to the correspondent bank platform 30. If the bank corresponding to the financial card account is the same as the correspondent bank platform 30, the correspondent bank platform 30 verifies the financial card After the account number and the transaction verification code (TAC) are correct, the correspondent bank platform 30 sends a withdrawal permission signal to the automatic teller machine 10.

若金融卡帳號對應之銀行與代理行平台30對應之銀行不相同,則代理行平台30將金融卡帳號及交易驗證碼(TAC)經由一跨行平台40發送至金融卡帳號對應之銀行之一發卡行平台50,發卡行平台50驗證金融卡帳號及交易驗證碼(TAC)無誤後由發卡行平台50經由跨行平台40發送該允許提款信號至代理行平台30,再由代理行平台30發送該允許提款信號至自動提款機10。 If the bank corresponding to the financial card account is not the same as the bank corresponding to the correspondent bank platform 30, the correspondent bank platform 30 sends the financial card account number and transaction verification code (TAC) to one of the banks corresponding to the financial card account via a cross-bank platform 40 to issue the card After issuing bank platform 50, the issuing bank platform 50 verifies that the financial card account number and transaction verification code (TAC) are correct. The issuing bank platform 50 sends the withdrawal withdrawal signal to the correspondent bank platform 30 via the inter-bank platform 40, and the correspondent bank platform 30 sends the A withdrawal signal is allowed to the cash dispenser 10.

自動提款機10之處理器12在接收到代理行平台30發送之允許提款信號時,處理器12根據提款金額進行吐鈔以供提款者提領鈔票。此時,自動提款機10之觸控螢幕14顯示提款金額及提款時間等資料,並由處理器12將提款金額、提款日期及時間等資料發送至代理行平台30,且代理行平台30將提款金額、提款日期及時間等資料經由跨行平台40發送至發卡行平台50。 When the processor 12 of the automatic teller machine 10 receives the withdrawal permission signal sent by the correspondent bank platform 30, the processor 12 performs a cash discharge according to the withdrawal amount for the withdrawal of the banknote. At this time, the touch screen 14 of the ATM 10 displays the withdrawal amount and withdrawal time and other information, and the processor 12 sends the withdrawal amount, withdrawal date and time and other information to the agent bank platform 30, and the agent The bank platform 30 sends information such as the amount of withdrawal, the date and time of the withdrawal to the card issuer platform 50 via the inter-bank platform 40.

圖2為本發明之行動提款方法之流程圖。在說明圖2之流程步驟時參考圖1之系統架構。 FIG. 2 is a flowchart of a method of mobile withdrawal according to the present invention. When explaining the process steps of FIG. 2, reference is made to the system architecture of FIG. 1.

在圖2中,當提款者在自動提款機10採用行動提款時,由提款者在自動提款機10之觸控螢幕14顯示之操作畫面(未圖示)進行提款操作,在該操作畫面上具有一QR Code提款選項,由提款者在具有QR Code提款選項之操作畫面中點選QR Code提款選項,以進行一行動提款作業(步驟S60)。 In FIG. 2, when the cashier uses the mobile cash machine 10 to withdraw money, the cashier performs the cashing operation on the operation screen (not shown) displayed on the touch screen 14 of the cash machine 10. There is a QR Code withdrawal option on the operation screen, and the withdrawal person clicks the QR Code withdrawal option on the operation screen with the QR Code withdrawal option to perform a mobile withdrawal operation (step S60).

提款者在點選QR Code提款選項後,由觸控螢幕14上顯示一輸入提款金額畫面(未圖示)。當顯示該輸入提款金額畫面時,提款者在觸控螢幕 14上輸入一提款金額於一輸入提款金額畫面上(步驟S62)。 After clicking the QR Code withdrawal option, the withdrawer displays a withdrawal amount input screen (not shown) on the touch screen 14. When the screen for entering the withdrawal amount is displayed, the withdrawer is on the touch screen Enter a withdrawal amount on 14 on a screen for entering a withdrawal amount (step S62).

自動提款機10之處理器12接收到該提款金額後,由處理器12將該提款金額、相應自動提款機10之自動提款機機台代碼及自動提款機10所屬的銀行之銀行名稱等資料組譯成一提款QR Code(步驟S64),再將該提款QR Code傳送至觸控螢幕14,而由觸控螢幕14顯示該提款QR Code(步驟S66)。 After the processor 12 of the ATM 10 receives the withdrawal amount, the processor 12 determines the withdrawal amount, the corresponding ATM machine code of the ATM 10, and the bank to which the ATM 10 belongs. The bank name and other data groups are translated into a withdrawal QR Code (step S64), and then the withdrawal QR Code is transmitted to the touch screen 14, and the withdrawal QR Code is displayed by the touch screen 14 (step S66).

提款者開啟智慧型行動裝置20中之錢包app,由智慧型行動裝置20之掃描器26掃描顯示於觸控螢幕14之提款QR Code,且由智慧型行動裝置20之處理器22解譯出提款QR Code中之提款金額、自動提款機機台代碼及銀行名稱等資料,以在觸控螢幕24顯示該等資料(步驟S68)。 The cashier opens the wallet app in the smart mobile device 20, and the scanner 26 of the smart mobile device 20 scans the withdrawal QR code displayed on the touch screen 14 and is interpreted by the processor 22 of the smart mobile device 20. Withdraw the information such as the withdrawal amount, the ATM machine code, and the bank name in the withdrawal QR Code to display such information on the touch screen 24 (step S68).

提款者觀看觸控螢幕24顯示之提款金額、自動提款機機台代碼及銀行名稱等資料無誤後,由提款者在觸控螢幕24上設定用以提款之金融卡帳號及輸入相應該金融卡帳號之密碼。由處理器22將金融卡帳號及交易驗證碼(TAC)組譯成一提款交易QR Code,並在觸控螢幕24上顯示該提款交易QR Code(步驟S70)。 After the cashier sees the withdrawal amount displayed on the touch screen 24, the ATM machine code, and the bank name, etc., the cashier sets up a financial card account number and inputs on the touchscreen 24 for withdrawal. Corresponds to the password of the debit card account. The processor 22 translates the financial card account number and the transaction verification code (TAC) into a withdrawal transaction QR Code, and displays the withdrawal transaction QR Code on the touch screen 24 (step S70).

由自動提款機10之掃描器16掃描智慧型行動裝置20之觸控螢幕24顯示之提款交易QR Code,且由自動提款機10之處理器12解譯提款交易QR Code以得到金融卡帳號及交易驗證碼(TAC),由處理器12將金融卡帳號及交易驗證碼(TAC)發送至代理行平台30(步驟S72)。 The scanner 16 of the ATM 10 scans the QR code of the withdrawal transaction displayed on the touch screen 24 of the smart mobile device 20, and the processor 12 of the ATM 10 interprets the QR code of the withdrawal transaction to obtain finance The card account number and the transaction verification code (TAC), the processor 12 sends the financial card account number and the transaction verification code (TAC) to the correspondent bank platform 30 (step S72).

代理行平台30判斷金融卡帳號對應之銀行是否與代理行平台30對應之銀行相同,若金融卡帳號對應之銀行與代理行平台30對應之銀行相同,則代理行平台30驗證金融卡帳號及交易驗證碼(TAC)無誤後由代理行平台30發送一允許提款信號至自動提款機10,若代理行平台30驗證金融卡帳號及交易驗證碼(TAC)錯誤後則由代理行平台30發送一錯誤信號至自動提款機10(步驟S74)。The correspondent bank platform 30 determines whether the bank corresponding to the financial card account is the same as the bank corresponding to the correspondent bank platform 30. If the bank corresponding to the financial card account is the same as the correspondent bank platform 30, the correspondent bank platform 30 verifies the financial card account and transaction After the verification code (TAC) is correct, the correspondent bank platform 30 sends a withdrawal allowance signal to the automatic teller machine 10. If the correspondent bank platform 30 verifies the financial card account number and the transaction verification code (TAC), it is sent by the correspondent bank platform 30. An error signal is sent to the cash dispenser 10 (step S74).

若金融卡帳號對應之銀行與代理行平台30對應之銀行不相同,則由代理行平台30將金融卡帳號及交易驗證碼(TAC)經由一跨行平台40發送至金融卡帳號對應之銀行之一發卡行平台50,由發卡行平台50驗證金融卡帳號及交易驗證碼(TAC)無誤後由發卡行平台50經由跨行平台40發送該允許提款信號至代理行平台30,再由代理行平台30發送該允許提款信號至自動提款機10;若發卡行平台50驗證金融卡帳號及交易驗證碼(TAC)錯誤後由發卡行平台50經由跨行平台40發送一錯誤信號至代理行平台30,再由代理行平台30發送該錯誤信號至自動提款機10。If the bank corresponding to the debit card account is different from the bank corresponding to the correspondent bank platform 30, the correspondent bank platform 30 sends the debit card account number and transaction verification code (TAC) to one of the banks corresponding to the debit card account via an interbank platform 40 Issuing bank platform 50. After issuing bank platform 50 verifies that the financial card account number and transaction verification code (TAC) are correct, the issuing bank platform 50 sends the withdrawal withdrawal signal to the correspondent bank platform 30 via the inter-bank platform 40, and then the correspondent bank platform 30 Send the withdrawal signal to the ATM 10; if the issuing bank platform 50 verifies the financial card account number and the transaction verification code (TAC) error, the issuing bank platform 50 sends an error signal to the correspondent bank platform 30 via the inter-bank platform 40, The correspondent bank platform 30 then sends the error signal to the cash dispenser 10.

自動提款機10之處理器12在接收到代理行平台30發送之允許提款信號時,由處理器12根據提款金額進行吐鈔以供提款者提領鈔票。此時,由自動提款機10之觸控螢幕14顯示提款金額及提款時間等資料,並由處理器12將提款金額、提款日期及時間等資料發送至代理行平台30,且由代理行平台30將提款金額、提款日期及時間等資料經由跨行平台40發送至發卡行平台50 (步驟S76);若自動提款機10之處理器12在接收到代理行平台30發送之錯誤信號時,由自動提款機10之觸控螢幕14顯示一操作錯誤訊息,以告知提款者重新設定金融卡帳號及輸入密碼。When the processor 12 of the automatic teller machine 10 receives the withdrawal permission signal sent by the correspondent bank platform 30, the processor 12 will dispense money according to the withdrawal amount for the withdrawal of the banknote. At this time, the touch screen 14 of the ATM 10 displays the withdrawal amount and withdrawal time and other information, and the processor 12 sends the withdrawal amount, withdrawal date and time and other information to the correspondent bank platform 30, and The correspondent bank platform 30 sends the withdrawal amount, withdrawal date and time and other information to the card issuer platform 50 via the inter-bank platform 40 (step S76); if the processor 12 of the automatic teller machine 10 receives the correspondent bank platform 30 and sends In the event of an error signal, an operation error message is displayed on the touch screen 14 of the automatic teller machine 10 to inform the withdrawal person to reset the debit card account number and enter the password.

本發明之上述行動提款方法可以一程式型態來完成,並可將該程式儲存於一電腦可讀取之記錄媒體,當行動提款系統於該電腦可讀取之記錄媒體載入該程式並執行後,便可完成如上述說明及圖式中所示之方法步驟。The above-mentioned mobile withdrawal method of the present invention can be completed in a program type, and the program can be stored in a computer-readable recording medium, and when the mobile withdrawal system is loaded into the program in the computer-readable recording medium After execution, the method steps shown in the above description and the drawings can be completed.

同樣地,本發明之行動提款方法可以一電腦程式產品來完成,當行動提款系統例如從網路下載該電腦程式產品並執行後,便可完成如上述說明及圖式中所示之方法步驟。Similarly, the mobile withdrawal method of the present invention can be completed by a computer program product. When the mobile withdrawal system downloads the computer program product from the Internet and executes it, the method shown in the above description and drawings can be completed. step.

本發明係提供一種行動提款系統及方法、電腦可讀取之記錄媒體及電腦程式產品,其特點在藉由自動提款機之軟體升級與新增如QR Code之掃描器,讓自動提款機與智慧型行動裝置進行互動式之行動提款作業,且由發卡行進行授權驗證作業,藉此完善行動提款作業機制,俾利快速、便利之提款功能,強化行動金融服務完整性。The invention provides a mobile cash withdrawal system and method, a computer-readable recording medium and a computer program product, which are characterized by automatic cash withdrawal through software upgrade of the cash dispenser and addition of a scanner such as a QR code. The mobile phone and the smart mobile device perform interactive mobile cash withdrawal operations, and the card issuer performs authorization verification operations to improve the mobile cash withdrawal operation mechanism, facilitate fast and convenient cash withdrawal functions, and strengthen the integrity of mobile financial services.

雖然本發明已參照較佳具體例及舉例性附圖敘述如上,惟其應不被視為係限制性者。熟悉本技藝者對其形態及具體例之內容做各種修改、省略及變化,均不離開本發明之請求項之所主張範圍。Although the present invention has been described above with reference to preferred specific examples and exemplary drawings, it should not be construed as limiting. Those skilled in the art can make various modifications, omissions, and changes to the contents and specific examples thereof without departing from the claimed scope of the claims of the present invention.

10‧‧‧自動提款機10‧‧‧ ATM

12‧‧‧處理器12‧‧‧ processor

14‧‧‧觸控螢幕14‧‧‧Touch screen

16‧‧‧掃描器16‧‧‧ Scanner

20‧‧‧智慧型行動裝置20‧‧‧ Smart Mobile Device

22‧‧‧處理器22‧‧‧Processor

24‧‧‧觸控螢幕24‧‧‧Touch screen

26‧‧‧掃描器26‧‧‧Scanner

30‧‧‧代理行平台30‧‧‧Corporate Bank Platform

40‧‧‧跨行平台40‧‧‧Interbank platform

50‧‧‧發卡行平台50‧‧‧ Issuing Bank Platform

圖1為本發明之行動提款系統之方塊圖;以及 圖2為本發明之行動提款方法之流程圖。FIG. 1 is a block diagram of a mobile withdrawal system of the present invention; and FIG. 2 is a flowchart of a mobile withdrawal method of the present invention.

Claims (9)

一種行動提款方法,其包括下列步驟:在一自動提款機之一第一觸控螢幕上顯示之一輸入提款金額畫面中輸入一提款金額;由該自動提款機之一第一處理器將該提款金額組譯成一提款二維條碼;由該第一處理器傳送該提款二維條碼至該第一觸控螢幕,而由該第一觸控螢幕顯示該提款二維條碼;由一智慧型行動裝置之一第二掃描器掃描該第一觸控螢幕顯示之該提款二維條碼,而由該智慧型行動裝置之一第二處理器解譯該提款二維條碼,並將解譯該提款二維條碼得到之該提款金額顯示在該智慧型行動裝置之一第二觸控螢幕上;在該第二觸控螢幕上設定一金融卡帳號及輸入一密碼,由該第二處理器透過密碼將金融卡帳號、交易日期、交易金額轉換成交易驗證碼(TAC),並將該金融卡帳號及該交易驗證碼(TAC)組譯成一提款交易二維條碼,並將該提款交易二維條碼顯示在該第二觸控螢幕上;由該自動提款機之一第一掃描器掃描該第二觸控螢幕顯示之該提款交易二維條碼,並由該第一處理器解譯該提款交易二維條碼,以得到該金融卡帳號及該交易驗證碼(TAC),由該第一處理器將該金融卡帳號及該交易驗證碼(TAC)發送至一代理行平台;以及由該自動提款機接收到該代理行平台發送之一允許提款信號時根據該提款金額進行吐鈔。A mobile withdrawal method includes the following steps: inputting a withdrawal amount in a withdrawal amount input screen displayed on a first touch screen of one of the automatic teller machines; The processor translates the withdrawal amount group into a withdrawal two-dimensional barcode; the first processor sends the withdrawal two-dimensional barcode to the first touch screen, and the first touch screen displays the withdrawal Two-dimensional barcode; the second-dimensional barcode of the withdrawal displayed on the first touch screen is scanned by a second scanner of a smart mobile device, and the withdrawal is interpreted by a second processor of the intelligent mobile device A two-dimensional barcode, and the withdrawal amount obtained by interpreting the withdrawal two-dimensional barcode is displayed on a second touch screen of one of the smart mobile devices; a financial card account number is set on the second touch screen and Enter a password, and the second processor converts the financial card account number, transaction date, and transaction amount into a transaction verification code (TAC) through the password, and translates the financial card account number and the transaction verification code (TAC) into a file. Payment transaction two-dimensional bar code, and the withdrawal transaction two-dimensional bar code The code is displayed on the second touch screen; the first scanner of one of the automatic teller machines scans the two-dimensional bar code of the withdrawal transaction displayed on the second touch screen, and the first processor interprets the A two-dimensional bar code for a withdrawal transaction to obtain the financial card account number and the transaction verification code (TAC), and the first processor sends the financial card account number and the transaction verification code (TAC) to an agent bank platform; and When the automatic teller machine receives one of the withdrawal permission signals sent by the correspondent bank platform, it discharges money according to the withdrawal amount. 如請求項1之行動提款方法,其中,該提款二維條碼更包括一自動提款機機台代碼及該自動提款機所屬之一銀行名稱之資料。For example, the action withdrawal method of item 1, wherein the withdrawal two-dimensional barcode further includes information of an ATM machine code and a name of a bank to which the ATM belongs. 如請求項1之行動提款方法,更包括下列步驟:在該第一觸控螢幕上顯示之一操作畫面中點選一二維條碼提款選項,以在該第一觸控螢幕上顯示該輸入提款金額畫面;由該代理行平台判斷該金融卡帳號對應之銀行是否與該代理行平台對應之該銀行相同;若該金融卡帳號對應之該銀行與該代理行平台對應之該銀行相同,則該代理行平台驗證該金融卡帳號及該交易驗證碼(TAC)無誤後由該代理行平台發送一允許提款信號至該自動提款機;以及若該金融卡帳號對應之該銀行與該代理行平台對應之該銀行不相同,則該代理行平台將該金融卡帳號及該交易驗證碼(TAC)經由一跨行平台發送至該金融卡帳號對應之該銀行之一發卡行平台,該發卡行平台驗證該金融卡帳號及該交易驗證碼(TAC)無誤後由該發卡行平台經由該跨行平台發送該允許提款信號至該代理行平台,再由該代理行平台發送該允許提款信號至該自動提款機。For example, the method for requesting a withdrawal of item 1 further includes the following steps: Click a 2D barcode withdrawal option on an operation screen displayed on the first touch screen to display the first touch screen. Enter the withdrawal amount screen; the correspondent bank platform determines whether the bank corresponding to the financial card account is the same as the bank corresponding to the correspondent bank platform; if the bank corresponding to the financial card account is the same as the bank corresponding to the correspondent bank platform , The correspondent bank platform verifies that the financial card account number and the transaction verification code (TAC) are correct, and the correspondent bank platform sends a withdrawal withdrawal signal to the automatic teller machine; and if the bank card account corresponds to the bank and The correspondent bank platform is not the same as the bank, then the correspondent bank platform sends the financial card account number and the transaction verification code (TAC) to an issuer platform of the bank corresponding to the financial card account number via a cross-bank platform. After the issuing bank platform verifies that the financial card account number and the transaction verification code (TAC) are correct, the issuing bank platform sends the withdrawal withdrawal signal to the correspondent bank platform via the cross-bank platform, and then the The correspondent bank platform sends the withdrawal signal to the ATM. 一種行動提款系統,其包括:一自動提款機,在接收到一代理行平台發送之一允許提款信號時根據一提款金額進行吐鈔,該自動提款機包括:一第一觸控螢幕,顯示一輸入提款金額畫面及一提款二維條碼,輸入該提款金額在該輸入提款金額畫面上;一第一掃描器,掃描一智慧型行動裝置顯示之一提款交易二維條碼;以及一第一處理器,接收該允許提款信號,將該提款金額組譯成該提款二維條碼,解譯該第一掃描器所掃描之該提款交易二維條碼,以得到一金融卡帳號及一交易驗證碼(TAC),發送該金融卡帳號及該交易驗證碼(TAC)至該代理行平台;以及該智慧型行動裝置,其包括:一第二掃描器,掃描該第一觸控螢幕顯示之該提款二維條碼;一第二處理器,解譯該提款二維條碼以得到該提款金額,透過密碼將該金融卡帳號、交易日期、交易金額轉換成該交易驗證碼(TAC),將該金融卡帳號及該交易驗證碼(TAC)組譯成該提款交易二維條碼;以及一第二觸控螢幕,設定該金融卡帳號及輸入該密碼,顯示該提款金額與之該提款交易二維條碼。A mobile cash withdrawal system includes: an automatic teller machine that discharges money according to a withdrawal amount when receiving a withdrawal permission signal sent by an agent bank platform, the automatic teller machine including: a first touch Control screen, displaying a withdrawal amount input screen and a withdrawal two-dimensional bar code, inputting the withdrawal amount on the withdrawal amount input screen; a first scanner that scans a withdrawal transaction displayed by a smart mobile device A two-dimensional bar code; and a first processor, receiving the withdrawal permit signal, translating the withdrawal amount group into the withdrawal two-dimensional bar code, and interpreting the withdrawal transaction two-dimensional bar code scanned by the first scanner To obtain a financial card account number and a transaction verification code (TAC), and send the financial card account number and the transaction verification code (TAC) to the correspondent bank platform; and the smart mobile device, which includes: a second scanner To scan the two-dimensional bar code of the withdrawal displayed on the first touch screen; a second processor interprets the two-dimensional bar code of the withdrawal to obtain the withdrawal amount, and pass the password to the financial card account number, transaction date, and transaction The amount is converted into the payment Easy Verification Code (TAC), translating the debit card account number and the transaction verification code (TAC) into the two-dimensional bar code of the withdrawal transaction; and a second touch screen, setting the debit card account number and entering the password to display The withdrawal amount corresponds to the two-dimensional bar code of the withdrawal transaction. 如請求項4之行動提款系統,其中,該提款二維條碼包括一自動提款機機台代碼及該自動提款機所屬之一銀行名稱之資料。For example, the mobile cash withdrawal system of claim 4, wherein the two-dimensional bar code of the cash withdrawal includes an ATM machine code and information of a bank name to which the ATM belongs. 如請求項4之行動提款系統,其中,該第一觸控螢幕顯示一操作畫面,而在該操作畫面中點選一二維條碼提款選項,以在該第一觸控螢幕上顯示該輸入提款金額畫面。For example, the mobile withdrawal system of item 4, wherein the first touch screen displays an operation screen, and a two-dimensional bar code withdrawal option is clicked in the operation screen to display the first touch screen. Enter withdrawal amount screen. 如請求項4之行動提款系統,其中,該代理行平台,判斷該金融卡帳號對應之銀行是否與該代理行平台對應之該銀行相同,若該金融卡帳號對應之該銀行與該代理行平台對應之該銀行相同,則該代理行平台驗證該金融卡帳號及該交易驗證碼(TAC)無誤後由該代理行平台發送一允許提款信號至該自動提款機,若該金融卡帳號對應之該銀行與該代理行平台對應之該銀行不相同,則該代理行平台將該金融卡帳號及該交易驗證碼(TAC)經由一跨行平台發送至該金融卡帳號對應之該銀行之一發卡行平台,該發卡行平台驗證該金融卡帳號及該交易驗證碼(TAC)無誤後由該發卡行平台經由該跨行平台發送該允許提款信號至該代理行平台,再由該代理行平台發送該允許提款信號至該自動提款機。For example, the mobile withdrawal system of item 4, wherein the correspondent bank platform determines whether the bank corresponding to the financial card account is the same as the bank corresponding to the correspondent bank platform. If the bank corresponding to the financial card account is the same as the correspondent bank, If the platform corresponds to the same bank, the correspondent bank platform verifies that the financial card account number and the transaction verification code (TAC) are correct, and the correspondent bank platform sends a withdrawal withdrawal signal to the automatic teller machine. The corresponding bank is different from the corresponding bank of the correspondent bank platform, the correspondent bank platform sends the financial card account number and the transaction verification code (TAC) to one of the banks corresponding to the financial card account number via a cross-bank platform Issuing bank platform, after the issuing bank platform verifies that the financial card account number and the transaction verification code (TAC) are correct, the issuing bank platform sends the withdrawal permission signal to the correspondent bank platform via the inter-bank platform, and then the correspondent bank platform Send the withdrawal permission signal to the cash dispenser. 一種內儲一程式之電腦可讀取之記錄媒體,當一行動提款系統於該電腦可讀取之記錄媒體載入該程式並執行後,可完成請求項1至3中任一項之方法。A computer-readable recording medium storing a program, when a mobile withdrawal system loads the program on a computer-readable recording medium and executes the program, the method of completing any one of the items 1 to 3 can be completed . 一種內儲一程式之電腦程式產品,當一行動提款系統於該電腦程式產品載入該程式並執行後,可完成請求項1至3中任一項之方法。A computer program product that stores a program. When a mobile withdrawal system loads the program in the computer program product and executes it, the method of any one of the items 1 to 3 can be completed.
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