TWI689883B - Automatic push broadcast cardless withdrawal system and its control method - Google Patents

Abstract

An automatic push-and-play cardless withdrawal system includes multiple ATMs, an ATM server, multiple signal transmitters, a portable electronic device, a mobile bank server, and a bank center host. When receiving the broadcast data broadcast by the signal transmitter, the portable electronic device sends a trigger notification to the mobile bank server. The mobile banking server sends a push message to the portable electronic device asking whether the customer wants to withdraw without card. The portable electronic device sends the withdrawal amount to the mobile bank server. The mobile banking server sends a cardless withdrawal notification to the ATM, which is a target ATM. When the target teller machine receives the withdrawal information input by the customer, and after comparing the cardless withdrawal notification and the withdrawal information, the target teller machine spit out the banknotes whose amount matches the withdrawal amount.

Description

Automatic push broadcast cardless withdrawal system and its control method

The invention relates to a cardless withdrawal system, in particular to a cardless withdrawal system involving push broadcasting technology. The invention also relates to a control method of an automatic push-broadcast cardless withdrawal system.

At present, the cardless withdrawal services provided by some banking industries confirm the identity of the drawer by identifying biometric values (such as finger veins, palm veins, or face recognition), and provide cardless withdrawals after passing the aforementioned identity verification service. However, with this model, it is necessary to install special equipment for identifying biometrics on the ATM machine, which has the disadvantages of high construction cost and high technical difficulty, and the biometrics of the customers need to be collected in advance.

Therefore, the object of the present invention is to provide an automatic push-broadcast cardless withdrawal system that can improve the aforementioned disadvantages of the prior art.

Another object of the present invention is to provide a control method of an automatic push-broadcast cardless withdrawal system that can improve the aforementioned disadvantages of the prior art.

Therefore, the automatic push card-free cash withdrawal system of the present invention includes multiple ATMs, an ATM server, multiple signal transmitters, a portable electronic device, a mobile bank server, and a bank center host.

The ATM server is electrically connected to the ATMs.

The signal transmitters are respectively disposed near the ATMs. Each signal transmitter stores a transmitter identification data and broadcasts a broadcast data, and the broadcast data includes the transmitter identification data.

The portable electronic device is used by a customer for operation, and stores a device identification data and an identification data corresponding to the customer, and when one of the signal transmitters is adjacent to the portable electronic device, the portable electronic device can communicate with The adjacent signal transmitter establishes a communication link to receive the broadcast data broadcast by the signal transmitter.

The mobile banking server is electrically connected to the portable electronic device and the ATMs, and stores a customer data corresponding to the customer, a plurality of ATM identification data respectively corresponding to the ATMs, and the signal transmission Transmitter identification data, and each ATM identification data corresponds to the transmitter identification data corresponding to the signal transmitter in the vicinity of the ATM, and the customer data includes the identity identification data corresponding to the customer, the available The device identification data of the portable electronic device, a bank account number corresponding to the customer, a mobile bank login password, and a cardless withdrawal password.

The bank center host is electrically connected to the ATMs, and stores the bank account number and a balance corresponding to the customer.

When the portable electronic device receives the broadcast data broadcast by one of the signal transmitters, the portable electronic device sends a trigger notification to the mobile bank server, the trigger notification including the transmission of the broadcast data Device identification data and the device identification data.

When the mobile bank server judges that the transmitter identification data and the device identification data of the trigger notification are consistent with one of the transmitter identification data stored in the mobile bank server and the device identification data of the customer data, The mobile banking server sends a push message for inquiring whether the customer wants to withdraw without card to the portable electronic device for display.

When the portable electronic device receives an affirmative command input by the customer and corresponding to the push message and used to indicate that there is no card withdrawal, the portable electronic device displays a login page for the customer to enter the action Bank login password.

The portable electronic device uses the identity identification data and the mobile bank login password to log in to the mobile bank server according to the operation of the customer, and sends a withdrawal amount to the mobile bank server.

The mobile bank server sends a cardless withdrawal notification to the ATM corresponding to the ATM identification data corresponding to the transmitter identification data of the trigger notification and serving as a target ATM, the cardless withdrawal notification includes the identity Information, the cardless withdrawal password, the bank account number and the withdrawal amount.

When the target ATM receives the withdrawal data input by the customer and contains a to-be-verified identity identification data, a to-be-verified cardless withdrawal password, and a to-be-validated withdrawal amount, the target ATM transmits the withdrawal data To the ATM server, and send the identity identification data of the cardless withdrawal notification, the cardless withdrawal password and the withdrawal amount as verification information to the ATM server.

When the ATM server judges the to-be-verified identity identification data of the withdrawal data, the to-be-verified cardless withdrawal password and the to-be-verified withdrawal amount are respectively the same as the identification data of the verification data and the cardless withdrawal password In line with the withdrawal amount, the ATM server sends a verification pass notification to the target ATM.

When the target teller machine receives the verification pass notification, the target teller machine sends a deduction notice to the host of the bank center. The deduction notice contains the bank account number and the withdrawal amount.

When the host of the bank center judges that the withdrawal amount is not greater than the balance, the host of the bank center deducts the balance from the withdrawal amount and sends a successful deduction to the target teller machine.

When the target teller machine receives the deduction success notification, the target teller machine spit out banknotes whose amount matches the withdrawal amount.

In some implementation forms, each ATM stores the corresponding ATM identification data, the cardless withdrawal notification also includes the ATM identification data corresponding to the transmitter identification data of the trigger notification, and when the target ATM receives the Withdrawal information, the target ATM also transmits the stored ATM identification data and the ATM identification data contained in the cardless withdrawal notification to the ATM server.

When the ATM server judges the to-be-verified identity identification data of the withdrawal data, the to-be-verified cardless withdrawal password and the to-be-verified withdrawal amount are respectively the same as the identification data of the verification data and the cardless withdrawal password Matches the withdrawal amount, and the ATM identification data stored by the target ATM matches the ATM identification data of the cardless withdrawal notification, and the ATM server transmits the verification pass notification to the target ATM.

In some implementation aspects, the trigger notification further includes the identification information.

When the mobile bank server determines one of the transmitter identification data, the device identification data and the identity identification data of the trigger notification and the transmitter identification data stored in the mobile bank server respectively, the customer data of the The device identification data and the identity identification data match, and the mobile banking server sends the push broadcast message asking the customer whether to withdraw without card to the portable electronic device for display.

In some embodiments, the device identification data is generated by a mobile banking application installed on the portable electronic device.

The control method of the automatic push-broadcast cardless withdrawal system of the present invention is implemented by an automatic push-broadcast cardless withdrawal system. The automatic push-broadcast cardless withdrawal system includes multiple ATMs, an ATM server, and multiple signals Transmitter, a portable electronic device, a mobile bank server and a bank center host, these signal transmitters are located near the ATMs, each signal transmitter stores a transmitter identification data and broadcast a broadcast Data, the broadcast data includes the transmitter identification data, the portable electronic device is used by a customer for operation, and stores a device identification data and an identity data corresponding to the customer, and when the signal transmitters are adjacent to In one case, the portable electronic device can establish a communication link with the signal transmitter in the vicinity to receive the broadcast data broadcast by the signal transmitter, and the mobile bank server stores a customer data corresponding to the customer, multiple Corresponding to the ATM identification data of the ATMs and the transmitter identification data of the signal transmitters, and each ATM identification data corresponds to the transmitter identification data of the corresponding signal transmitters in the vicinity of the ATM, And the customer data includes the identification data corresponding to the customer, the device identification data of the portable electronic device, a bank account number corresponding to the customer, a mobile bank login password, and a cardless withdrawal password, The bank center host stores the bank account number and a balance corresponding to the customer. The method includes: when the portable electronic device receives the broadcast data broadcast by one of the signal transmitters, the portable electronic device The device sends a trigger notification to the mobile bank server, the trigger notification includes the transmitter identification data of the broadcast data and the device identification data; when the mobile bank server judges the transmitter identification data of the trigger notification and the device The identification data respectively matches one of the transmitter identification data stored in the mobile bank server and the device identification data of the customer data, and the mobile bank server sends a message asking whether the customer wants to withdraw without card The push broadcast message is displayed to the portable electronic device for display; when the portable electronic device receives an affirmative instruction input by the customer and corresponding to the push broadcast message and used to indicate that no card withdrawal is required, the The portable electronic device displays a login page for the customer to enter the mobile bank login password; the portable electronic device uses the identification data and the mobile bank login password to log in to the mobile bank server according to the customer's operation and sends A withdrawal amount is sent to the mobile banking server; the mobile banking server sends a cardless withdrawal notification to the ATM corresponding to the ATM identification data corresponding to the transmitter identification data of the trigger notification and serving as a target ATM , The cardless withdrawal notice contains the identification information, the cardless withdrawal password, the bank account number, and the withdrawal amount; when the target ATM receives the input from the customer and contains a pending identification information, a The card-free withdrawal password to be verified and the withdrawal information of a withdrawal amount to be verified, the target teller machine sends the withdrawal information to the teller The server, and send the identification information, the cardless withdrawal password and the withdrawal amount of the cardless withdrawal notification to the ATM server as verification information; when the ATM server judges the withdrawal information The identity verification data to be verified, the cardless withdrawal password to be verified and the withdrawal amount to be verified are consistent with the identity identification data, the cardless withdrawal password and the withdrawal amount of the verification data, respectively, and the ATM servo The device sends a verification pass notification to the target ATM; when the target ATM receives the verification pass notification, the target ATM sends a deduction notice to the bank center host, the deduction notice contains the bank account number and the withdrawal amount; When the host of the bank center judges that the withdrawal amount is not greater than the balance, the host of the bank center deducts the balance of the withdrawal amount and sends a successful deduction notification to the target ATM; and when the target ATM receives the deduction Successfully notified that the target teller machine spit out banknotes with an amount matching the withdrawal amount.

The effect of the present invention is that through the cooperation of the signal transmitters, the portable electronic device and the mobile bank server, the push broadcast message for asking the customer whether to withdraw money without a card can be sent to the The portable electronic device near the ATM, and through the cooperation of the target ATM, the ATM server, the portable electronic device, the mobile bank server and the host of the bank center, the customer only needs to The simple operation of the portable electronic device and the target teller machine can complete card-free withdrawal, thereby achieving the effect of low construction cost and low technical difficulty, and does not require the prior collection of biometric values of customers as in the prior art.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same numbers.

Referring to FIG. 1, an embodiment of an automatic push-and-play cardless cash withdrawal system 100 of the present invention includes multiple ATMs 1, an ATM server 2, multiple signal transmitters 3, a portable electronic device 4, and a mobile Bank server 5, and a bank center host 6.

Each ATM 1 stores an ATM identification data (such as equipment serial number). The ATM server 2 is electrically connected to the ATMs 1 through a communication network 200 and can communicate with the ATMs 1.

The signal transmitters 3 are respectively disposed near the ATMs. Each signal transmitter 3 stores a transmitter identification data (such as an equipment serial number) and broadcasts a broadcast data, and the broadcast data includes the transmitter identification data. In this embodiment, each signal transmitter 3 is a Beacon transmitter.

The portable electronic device 4 is used for operation by a customer, and stores a device identification data and an identification data corresponding to the customer (such as an identification number), and when one of the signal transmitters 3 is adjacent, The portable electronic device 4 can establish a communication link with the signal transmitter 3 in the vicinity and receive the broadcast data broadcast by the signal transmitter 3. In this embodiment, the portable electronic device 4 is a smart phone, and a mobile banking application is installed, the device identification data is generated by the mobile banking application installed on the portable electronic device 4, and When the portable electronic device 4 receives the broadcast data, the portable electronic device 4 automatically activates the mobile banking application according to the UUID included in the broadcast data and corresponding to the mobile banking application to execute the present invention. Steps of the portable electronic device 4.

The mobile banking server 5 is electrically connected to the portable electronic device 4 and the ATMs 1 via the communication network 200, and stores a customer data corresponding to the customer, the ATMs corresponding to the ATMs 1 Identification data, and the transmitter identification data of the signal transmitters 3, and each ATM identification data corresponds to the corresponding transmitter identification data of the signal transmitter 3 in the vicinity of the ATM 1, and the customer data includes the corresponding The identity identification data of the customer, the device identification data of the portable electronic device 4, a bank account number corresponding to the customer, a mobile bank login password, and a cardless withdrawal password.

The bank center host 6 is electrically connected to the ATMs via the communication network 200, and stores the bank account number and a balance corresponding to the customer.

1 and 2, the following describes the flow of the control method of the automatic push-and-play cardless withdrawal system 100 of the present invention. First, as shown in step S01, when the portable electronic device 4 receives the broadcast data broadcast by one of the signal transmitters 3, the portable electronic device 4 sends a trigger notification to the mobile bank server 5. The trigger notification includes the transmitter identification data of the broadcast data, the device identification data, and the identity identification data.

Next, as shown in step S02, the mobile bank server 5 determines whether the transmitter identification data, the device identification data, and the identity identification data of the trigger notification are respectively identified with the transmitters stored in the mobile bank server 5 One of the data, the device identification data of the customer data and the identity identification data match. If not, the process ends, and if so, step S03 is executed.

Step S03 is when the mobile bank server 5 judges one of the transmitter identification data, the device identification data and the identity identification data of the trigger notification and the transmitter identification data stored in the mobile bank server 5 respectively, The device identification data of the customer data and the identity identification data match, and the mobile banking server 5 sends a push message asking the customer whether to withdraw without card to the portable electronic device 4 for display.

Next, as shown in step S04, the portable electronic device 4 determines whether it receives an affirmative instruction input by the customer and corresponding to the push message and indicating that there is no card withdrawal, if not, the process ends If yes, go to step S05.

Step S05 is when the portable electronic device 4 receives the affirmative instruction input by the customer and corresponding to the push message and indicating that there is no card withdrawal, the portable electronic device 4 displays a login page for The customer enters the login password of the mobile bank. In this embodiment, the field where the login page is used for the customer to enter the identification data will be automatically brought into the identification data, but not limited to this. In another implementation form, the login page is used Since the field for the customer to input the identification data is a blank field, the customer is required to manually input the identification data.

Next, as shown in step S06, the portable electronic device 4 uses the identity data and the mobile bank login password to log in to the mobile bank server 5 according to the operation of the customer, and sends a withdrawal amount to the mobile bank SERVER 5.

Next, as shown in step S07, the mobile bank server 5 sends a cardless withdrawal notification to the ATM 1 corresponding to the ATM identification data corresponding to the transmitter identification data of the trigger notification and serving as a target ATM. The cardless withdrawal notification contains the identity identification data, the cardless withdrawal password, the bank account number, the withdrawal amount, and the ATM identification data corresponding to the transmitter identification data that triggered the notification (that is, the target ATM) Identification information of the ATM).

Next, as shown in step S08, the target teller machine determines whether it has received a withdrawal data input by the customer and includes a to-be-verified identity identification data, a to-be-verified cardless withdrawal password, and a to-be-validated withdrawal amount, If not, the flow ends, and if so, step S09 is executed.

Step S09 is that when the target ATM receives the withdrawal data input by the customer and contains the identity verification data to be verified, the cardless withdrawal password to be verified and the withdrawal amount to be verified, the target ATM will then withdraw The payment information is sent to the ATM server 2, and the identification information of the cardless withdrawal notification, the cardless withdrawal password and the withdrawal amount are sent as verification information to the ATM server 2 and the The stored ATM identification data and the ATM identification data contained in the cardless withdrawal notification are transmitted to the ATM server 2.

Then, as shown in step S10, the ATM server 2 determines whether the identity verification data of the withdrawal data, the cardless withdrawal password to be verified and the withdrawal amount to be verified are different from the identity of the verification data The identification data, the cardless withdrawal password and the withdrawal amount match, and whether the ATM identification data stored by the target ATM matches the ATM identification data of the cardless withdrawal notification, if not, the process ends, if it is, Then step S11 is executed.

Step S11 is when the ATM server 2 judges the to-be-verified identity identification data of the withdrawal data, the to-be-verified cardless withdrawal password, and the to-be-validated withdrawal amount and the identity data of the verification data, the no The card withdrawal password matches the withdrawal amount, and the ATM identification data stored by the target ATM matches the ATM identification data of the cardless withdrawal notification, and the ATM server 2 transmits a verification pass notification to the target ATM.

Next, as shown in step S12, when the target teller machine receives the verification pass notification, the target teller machine sends a deduction notice to the bank center host 6, the deduction notice contains the bank account number and the withdrawal amount.

Next, as shown in step S13, when the bank center host 6 receives the deduction notice, the bank center host 6 determines whether the withdrawal amount is not greater than the balance, if not, the process ends, and if so, step S14 is executed .

Step S14 is when the bank center host 6 determines that the withdrawal amount is not greater than the balance, the bank center host 6 deducts the balance from the withdrawal amount, and sends a successful deduction notification to the target teller machine.

Finally, as shown in step S15, when the target teller machine receives the successful deduction notification, the target teller machine spit out banknotes whose amount matches the withdrawal amount.

It is worth mentioning that the present invention can be applied to the ATM 1 in the store, which automatically broadcasts the push message to the customers in the store to remind the customer whether there is a withdrawal request. When the customer wants to spend in the store, the cash is insufficient and not carried. When withdrawing a card, the card-free withdrawal system 100 of the present invention can be used for card-free withdrawal.

In summary, the automatic push-and-play cardless cash withdrawal system 100 of the present invention can be used to interrogate the customer through the cooperation of the signal transmitter 3, the portable electronic device 4 and the mobile bank server 5 Do you want the push message for cardless withdrawal to the portable electronic device 4 near the ATM 1, and through the target ATM, the ATM server 2, the portable electronic device 4, the mobile bank The cooperation between the server 5 and the host 6 of the bank center allows the customer to complete card-free withdrawals with simple operations on the portable electronic device 4 and the target teller machine, thereby achieving low construction costs, The effect of low technical difficulty, and no need to collect biological characteristics of customers in advance as in the prior art, so it can indeed achieve the purpose of cost invention.

However, the above are only examples of the present invention, and the scope of implementation of the present invention cannot be limited by this, any simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the patent specification are still classified as Within the scope of the invention patent.

100: Automatic push card-free withdrawal system 1: ATM 2: ATM server 3: Signal transmitter 4: Portable electronic device 5: Mobile Banking Server 6: Bank center host 200: communication network S01~S15: Step

Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: FIG. 1 is a schematic diagram of a hardware connection relationship of an embodiment of the automatic push-broadcast cardless withdrawal system of the present invention; and FIG. 2 (FIG. 2A, FIG. 2B, and FIG. 2C) is a flowchart of the embodiment.

100: Automatic push card-free withdrawal system

1: ATM

2: ATM server

3: Signal transmitter

4: Portable electronic device

5: Mobile Banking Server

6: Bank center host

200: communication network

Claims (8)

An automatic push-and-play cardless withdrawal system, including: Multiple ATMs; An ATM server, electrically connected to these ATMs; A plurality of signal transmitters are respectively arranged near the ATMs, and each signal transmitter stores a transmitter identification data and broadcasts a broadcast data, and the broadcast data includes the transmitter identification data; A portable electronic device for operation by a client, and stores a device identification data and an identification data corresponding to the client, and when adjacent to one of the signal transmitters, the portable electronic device can Establish a communication link with the signal transmitter in the vicinity to receive the broadcast data broadcast by the signal transmitter; A mobile banking server, electrically connected to the portable electronic device and the ATMs, and storing a customer data corresponding to the customer, a plurality of ATM identification data respectively corresponding to the ATMs, and the signals Transmitter identification data of the transmitter, and each ATM identification data corresponds to the transmitter identification data corresponding to the signal transmitter in the vicinity of the ATM, and the customer data includes the identity identification data corresponding to the customer, the The device identification data of the portable electronic device, a bank account number corresponding to the customer, a mobile bank login password, and a cardless withdrawal password; and A bank center host, electrically connected to the ATMs, and storing the bank account number and a balance corresponding to the customer; When the portable electronic device receives the broadcast data broadcast by one of the signal transmitters, the portable electronic device sends a trigger notification to the mobile bank server, the trigger notification including the transmission of the broadcast data Device identification data and device identification data; When the mobile bank server judges that the transmitter identification data and the device identification data of the trigger notification are consistent with one of the transmitter identification data stored in the mobile bank server and the device identification data of the customer data, The mobile banking server sends a push message asking the customer whether to withdraw without card to the portable electronic device for display; When the portable electronic device receives an affirmative command input by the customer and corresponding to the push message and used to indicate that there is no card withdrawal, the portable electronic device displays a login page for the customer to enter the action Bank login password; The portable electronic device uses the identity identification data and the mobile bank login password to log in to the mobile bank server according to the operation of the customer, and sends a withdrawal amount to the mobile bank server; The mobile banking server sends a cardless withdrawal notification to the ATM corresponding to the ATM identification data corresponding to the transmitter identification data of the trigger notification and serving as a target ATM, and the cardless withdrawal notification includes the identity Information, the cardless withdrawal password, the bank account number and the withdrawal amount; When the target ATM receives a withdrawal data input by the customer and contains a to-be-verified identity identification data, a to-be-verified cardless withdrawal password, and a to-be-validated withdrawal amount, the target ATM transmits the withdrawal data To the ATM server, and send the identity identification data of the cardless withdrawal notification, the cardless withdrawal password and the withdrawal amount as verification information to the ATM server; When the ATM server judges the to-be-verified identity identification data of the withdrawal data, the to-be-verified cardless withdrawal password and the to-be-validated withdrawal amount are respectively the same as the identification data of the verification data and the cardless withdrawal password If the withdrawal amount matches, the ATM server sends a verification pass notification to the target ATM; When the target teller machine receives the verification pass notification, the target teller machine sends a deduction notice to the host of the bank center. The deduction notice contains the bank account number and the withdrawal amount; When the host of the bank center judges that the withdrawal amount is not greater than the balance, the host of the bank center deducts the balance from the withdrawal amount and sends a successful deduction to the target teller machine; When the target teller machine receives the successful deduction notification, the target teller machine spit out banknotes whose amount matches the withdrawal amount. The automatic push card-free cash withdrawal system as described in claim 1, wherein each ATM stores corresponding identification information of the ATM, and the card-free withdrawal notification further includes the corresponding to the transmitter identification data of the trigger notification ATM identification data, when the target ATM receives the withdrawal data, the target ATM also transmits the stored ATM identification data and the ATM identification data contained in the cardless withdrawal notification to the ATM server; When the ATM server judges the to-be-verified identity identification data of the withdrawal data, the to-be-verified cardless withdrawal password and the to-be-verified withdrawal amount are respectively the same as the identification data of the verification data and the cardless withdrawal password Matches the withdrawal amount, and the ATM identification data stored by the target ATM matches the ATM identification data of the cardless withdrawal notification, and the ATM server transmits the verification pass notification to the target ATM. The automatic push-broadcast cardless withdrawal system as described in claim 1, wherein the trigger notification further includes the identification information; When the mobile bank server determines one of the transmitter identification data, the device identification data and the identity identification data of the trigger notification and the transmitter identification data stored in the mobile bank server respectively, the customer data of the The device identification data and the identity identification data match, and the mobile banking server sends the push broadcast message asking the customer whether to withdraw without card to the portable electronic device for display. The automatic push-bill cardless withdrawal system as described in claim 1, wherein the device identification data is generated by a mobile banking application installed on the portable electronic device. A control method for an automatic push-broadcast cardless cash withdrawal system is implemented by an automatic push-broadcast cardless cash withdrawal system. The automatic push-broadcast cardless cash withdrawal system includes multiple ATMs, an ATM server, and multiple signal transmissions. Device, a portable electronic device, a mobile banking server and a bank center host, these signal transmitters are respectively located near the ATMs, each signal transmitter stores a transmitter identification data and broadcasts a broadcast data , The broadcast data includes the transmitter identification data, the portable electronic device is used by a customer for operation, and stores a device identification data and an identity data corresponding to the customer, and when one of the signal transmitters is adjacent to At the same time, the portable electronic device can establish a communication link with the signal transmitter in the vicinity to receive the broadcast data broadcast by the signal transmitter, the mobile bank server stores a customer data corresponding to the customer, a plurality of ATM identification data corresponding to the ATMs, and transmitter identification data of the signal transmitters, and each ATM identification data corresponds to the transmitter identification data of the signal transmitters corresponding to the ATM, and The customer data includes the identification data corresponding to the customer, the device identification data of the portable electronic device, a bank account number corresponding to the customer, a mobile bank login password, and a cardless withdrawal password, the The bank center host stores the bank account number and a balance corresponding to the customer. The method includes: When the portable electronic device receives the broadcast data broadcast by one of the signal transmitters, the portable electronic device sends a trigger notification to the mobile bank server, the trigger notification including the transmission of the broadcast data Device identification data and device identification data; When the mobile bank server judges that the transmitter identification data and the device identification data of the trigger notification are consistent with one of the transmitter identification data stored in the mobile bank server and the device identification data of the customer data, The mobile banking server sends a push message asking the customer whether to withdraw without card to the portable electronic device for display; When the portable electronic device receives an affirmative command input by the customer and corresponding to the push message and used to indicate that there is no card withdrawal, the portable electronic device displays a login page for the customer to enter the action Bank login password; The portable electronic device uses the identification data and the mobile bank login password to log in to the mobile bank server according to the operation of the customer, and sends a withdrawal amount to the mobile bank server; The mobile bank server sends a cardless withdrawal notification to the ATM corresponding to the ATM identification data corresponding to the transmitter identification data of the trigger notification and serving as a target ATM, the cardless withdrawal notification includes the identity Information, the cardless withdrawal password, the bank account number and the withdrawal amount; When the target ATM receives the withdrawal data input by the customer and contains a to-be-verified identity identification data, a to-be-verified cardless withdrawal password, and a to-be-validated withdrawal amount, the target ATM transmits the withdrawal data To the ATM server, and send the identity identification data of the cardless withdrawal notification, the cardless withdrawal password and the withdrawal amount as verification information to the ATM server; When the ATM server judges the to-be-verified identity identification data of the withdrawal data, the to-be-verified cardless withdrawal password and the to-be-verified withdrawal amount are respectively the same as the identification data of the verification data and the cardless withdrawal password And the withdrawal amount matches, the ATM server sends a verification pass notification to the target ATM; When the target teller machine receives the verification pass notification, the target teller machine sends a deduction notice to the host of the bank center. The deduction notice contains the bank account number and the withdrawal amount; When the bank center host determines that the withdrawal amount is not greater than the balance, the bank center host deducts the balance from the withdrawal amount and sends a successful deduction notification to the target teller machine; and When the target teller machine receives the deduction success notification, the target teller machine spit out banknotes whose amount matches the withdrawal amount. The control method of the automatic push-broadcast cardless withdrawal system as described in claim 5, wherein each ATM stores corresponding identification information of the ATM, and the cardless withdrawal notification also includes the transmitter identification data of the trigger notification Corresponding to the ATM identification data, when the target ATM receives the withdrawal data, the target ATM also transmits the stored ATM identification data and the ATM identification data contained in the cardless withdrawal notification to the ATM server; When the ATM server judges the to-be-verified identity identification data of the withdrawal data, the to-be-verified cardless withdrawal password and the to-be-verified withdrawal amount are respectively the same as the identification data of the verification data and the cardless withdrawal password Matches the withdrawal amount, and the ATM identification data stored by the target ATM matches the ATM identification data of the cardless withdrawal notification, and the ATM server transmits the verification pass notification to the target ATM. The control method of the automatic push-broadcast cardless withdrawal system as described in claim 5, wherein the trigger notification further includes the identification information; When the mobile bank server determines one of the transmitter identification data, the device identification data and the identity identification data of the trigger notification and the transmitter identification data stored in the mobile bank server respectively, the customer data of the The device identification data and the identity identification data match, and the mobile banking server sends the push broadcast message asking the customer whether to withdraw without card to the portable electronic device for display. The control method of the automatic push-bill cardless withdrawal system as described in claim 5, wherein the device identification data is generated by a mobile banking application installed on the portable electronic device.

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