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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Publication number
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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TW
Taiwan
Prior art keywords
withdrawal
bank
card account
transaction
financial card
Prior art date
Application number
TW107125421A
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Chinese (zh)
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TW202008315A (en
Inventor
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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Priority to TW107125421A priority Critical patent/TWI671715B/en
Application granted granted Critical
Publication of TWI671715B publication Critical patent/TWI671715B/en
Publication of TW202008315A publication Critical patent/TW202008315A/en

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Abstract

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

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

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.

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.

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.

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.

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.

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.

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.

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.

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 .

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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).

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).

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).

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).

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).

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).

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).

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.

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.

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.

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.

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.

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‧‧‧ ATM

12‧‧‧ processor

14‧‧‧Touch screen

16‧‧‧ Scanner

20‧‧‧ Smart Mobile Device

22‧‧‧Processor

24‧‧‧Touch screen

26‧‧‧Scanner

30‧‧‧Corporate Bank Platform

40‧‧‧Interbank platform

50‧‧‧ Issuing Bank Platform

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)

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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 .
  9. 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.
TW107125421A 2018-07-24 2018-07-24 Mobile withdrawal system and method, computer readable recording medium and computer program product TWI671715B (en)

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WO2012088512A2 (en) * 2010-12-23 2012-06-28 Paydiant, Inc. Mobile phone atm processing methods and systems
US20120265809A1 (en) * 2011-04-15 2012-10-18 Bank Of America Corporation Transferring information from an automated teller machine (atm) to mobile communication device during a user interaction session
TWM512772U (en) * 2015-05-20 2015-11-21 Idgate Corp Transaction device and transaction security system with authentication using personal device
CN105225359A (en) * 2015-09-15 2016-01-06 中国联合网络通信集团有限公司 Nothing based on Quick Response Code blocks withdraw the money method and finger print identifying server
CN107451809A (en) * 2017-06-29 2017-12-08 台山市金讯互联网络科技有限公司 A kind of method withdrawn the money without card
TWM564228U (en) * 2018-03-31 2018-07-21 華南商業銀行股份有限公司 System for executing transaction based on a mobile communication device
TWM567926U (en) * 2018-07-24 2018-10-01 財金資訊股份有限公司 Mobile cash withdrawing system

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2012088512A2 (en) * 2010-12-23 2012-06-28 Paydiant, Inc. Mobile phone atm processing methods and systems
US8632000B2 (en) * 2010-12-23 2014-01-21 Paydiant, Inc. Mobile phone ATM processing methods and systems
US20120265809A1 (en) * 2011-04-15 2012-10-18 Bank Of America Corporation Transferring information from an automated teller machine (atm) to mobile communication device during a user interaction session
TWM512772U (en) * 2015-05-20 2015-11-21 Idgate Corp Transaction device and transaction security system with authentication using personal device
CN105225359A (en) * 2015-09-15 2016-01-06 中国联合网络通信集团有限公司 Nothing based on Quick Response Code blocks withdraw the money method and finger print identifying server
CN107451809A (en) * 2017-06-29 2017-12-08 台山市金讯互联网络科技有限公司 A kind of method withdrawn the money without card
TWM564228U (en) * 2018-03-31 2018-07-21 華南商業銀行股份有限公司 System for executing transaction based on a mobile communication device
TWM567926U (en) * 2018-07-24 2018-10-01 財金資訊股份有限公司 Mobile cash withdrawing system

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