TWI689883B - Automatic push broadcast cardless withdrawal system and its control method - Google Patents
Automatic push broadcast cardless withdrawal system and its control method Download PDFInfo
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Abstract
一種自動推播無卡提款系統,包含多個自動櫃員機、一櫃員機伺服器、多個訊號發射器、一可攜式電子裝置、一行動銀行伺服器及一銀行中心主機。當接收到訊號發射器廣播的廣播資料,可攜式電子裝置傳送觸發通知給行動銀行伺服器。行動銀行伺服器傳送用於詢問客戶是否要無卡提款的推播訊息給可攜式電子裝置。可攜式電子裝置傳送提款金額給行動銀行伺服器。行動銀行伺服器傳送無卡提款通知給作為一目標櫃員機的自動櫃員機。當目標櫃員機接收到由客戶輸入的提款資料,於比對無卡提款通知與提款資料後,目標櫃員機吐出金額符合提款金額的鈔票。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
本發明是有關於一種無卡提款系統,特別是指一種涉及推播技術的無卡提款系統。本發明還有關於一種自動推播無卡提款系統的控制方法。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.
目前部份銀行業所提供的無卡提款服務是透過辨識生物特徵值(例如指靜脈、掌靜脈或人臉辨識)確認提款者身分,並於通過前述身分驗證後提供無卡提款的服務。然而採此種模式,勢必需於ATM機台上加裝辨識生物特徵值所需特殊設備,而產生建置成本高、技術難度高的缺點,且需事先收集往來客戶之生物特徵值。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.
因此,本發明的目的,即在提供一種能改善前述先前技術缺點的自動推播無卡提款系統。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.
本發明的另一目的,在於提供一種能改善前述先前技術缺點的自動推播無卡提款系統的控制方法。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.
於是,本發明自動推播無卡提款系統,包含多個自動櫃員機、一櫃員機伺服器、多個訊號發射器、一可攜式電子裝置、一行動銀行伺服器及一銀行中心主機。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.
該櫃員機伺服器電連接於該等自動櫃員機。The ATM server is electrically connected to the ATMs.
該等訊號發射器分別設置於該等自動櫃員機附近,每一訊號發射器儲存有一發射器識別資料且廣播一廣播資料,該廣播資料包含該發射器識別資料。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.
該可攜式電子裝置供一客戶操作使用,且儲存有一裝置識別資料及一對應於該客戶的身分識別資料,且當鄰近該等訊號發射器其中一者時,該可攜式電子裝置能與鄰近之該訊號發射器建立通訊連結而接收該訊號發射器廣播之該廣播資料。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.
該行動銀行伺服器電連接於該可攜式電子裝置及該等自動櫃員機,且儲存有一對應於該客戶的客戶資料、多個分別對應於該等自動櫃員機的櫃員機識別資料,及該等訊號發射器的發射器識別資料,且每一櫃員機識別資料對應於對應之該自動櫃員機附近的該訊號發射器的該發射器識別資料,且該客戶資料包含對應於該客戶的該身分識別資料、該可攜式電子裝置的該裝置識別資料、一對應於該客戶的銀行帳號、一行動銀行登入密碼,及一無卡提款密碼。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.
該銀行中心主機電連接於該等自動櫃員機,且儲存有對應於該客戶的該銀行帳號及一餘額。The bank center host is electrically connected to the ATMs, and stores the bank account number and a balance corresponding to the customer.
當該可攜式電子裝置接收到該等訊號發射器其中一者廣播的該廣播資料,該可攜式電子裝置傳送一觸發通知給該行動銀行伺服器,該觸發通知包含該廣播資料的該發射器識別資料及該裝置識別資料。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.
當該行動銀行伺服器判斷該觸發通知的該發射器識別資料及該裝置識別資料分別與該行動銀行伺服器儲存的該等發射器識別資料其中一者及該客戶資料的該裝置識別資料相符,該行動銀行伺服器傳送一用於詢問該客戶是否要無卡提款的推播訊息給該可攜式電子裝置供其顯示。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.
當該可攜式電子裝置接收到一由該客戶輸入且對應於該推播訊息且用於表示要無卡提款的肯定指令,該可攜式電子裝置顯示一登入頁面供該客戶輸入該行動銀行登入密碼。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.
該可攜式電子裝置根據該客戶的操作,使用該身分識別資料及該行動銀行登入密碼登入該行動銀行伺服器,並傳送一提款金額給該行動銀行伺服器。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.
該行動銀行伺服器傳送一無卡提款通知給該觸發通知的該發射器識別資料對應之該櫃員機識別資料所對應且作為一目標櫃員機的該自動櫃員機,該無卡提款通知包含該身分識別資料、該無卡提款密碼、該銀行帳號及該提款金額。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.
當該目標櫃員機接收到由該客戶輸入的且包含一待驗證身分識別資料、一待驗證無卡提款密碼及一待驗證提款金額的一提款資料,該目標櫃員機將該提款資料傳送給該櫃員機伺服器,並將該無卡提款通知的該身分識別資料、該無卡提款密碼及該提款金額作為一驗證資料傳送給該櫃員機伺服器。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.
當該櫃員機伺服器判斷該提款資料的該待驗證身分識別資料、該待驗證無卡提款密碼及該待驗證提款金額分別與該驗證資料的該身分識別資料、該無卡提款密碼及該提款金額相符,該櫃員機伺服器傳送一驗證通過通知給該目標櫃員機。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.
當該目標櫃員機接收到該驗證通過通知,該目標櫃員機傳送一扣款通知給該銀行中心主機,該扣款通知包含該銀行帳號及該提款金額。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.
當該銀行中心主機判斷該提款金額不大於該餘額,該銀行中心主機將該餘額扣除該提款金額,並傳送一扣款成功通知給該目標櫃員機。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.
當該目標櫃員機接收到該扣款成功通知,該目標櫃員機吐出金額符合該提款金額的鈔票。When the target teller machine receives the deduction success notification, the target teller machine spit out banknotes whose amount matches the withdrawal amount.
在一些實施態樣中,每一自動櫃員機儲存對應之該櫃員機識別資料,該無卡提款通知還包含該觸發通知的該發射器識別資料對應之該櫃員機識別資料,當該目標櫃員機接收到該提款資料,該目標櫃員機還將其儲存的該櫃員機識別資料及該無卡提款通知包含的該櫃員機識別資料傳送給該櫃員機伺服器。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.
當該櫃員機伺服器判斷該提款資料的該待驗證身分識別資料、該待驗證無卡提款密碼及該待驗證提款金額分別與該驗證資料的該身分識別資料、該無卡提款密碼及該提款金額相符,且該目標櫃員機儲存的該櫃員機識別資料與該無卡提款通知的該櫃員機識別資料相符,該櫃員機伺服器傳送該驗證通過通知給該目標櫃員機。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.
在一些實施態樣中,該觸發通知還包含該身分識別資料。In some implementation aspects, the trigger notification further includes the identification information.
當該行動銀行伺服器判斷該觸發通知的該發射器識別資料、該裝置識別資料及該身分識別資料分別與該行動銀行伺服器儲存的該等發射器識別資料其中一者、該客戶資料的該裝置識別資料及該身分識別資料相符,該行動銀行伺服器傳送用於詢問該客戶是否要無卡提款的該推播訊息給該可攜式電子裝置供其顯示。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.
在一些實施態樣中,該裝置識別資料是由該可攜式電子裝置安裝的一行動銀行應用程式產生。In some embodiments, the device identification data is generated by a mobile banking application installed on the portable electronic device.
本發明自動推播無卡提款系統的控制方法,藉由一自動推播無卡提款系統實施,該自動推播無卡提款系統包含多個自動櫃員機、一櫃員機伺服器、多個訊號發射器、一可攜式電子裝置、一行動銀行伺服器及一銀行中心主機,該等訊號發射器分別設置於該等自動櫃員機附近,每一訊號發射器儲存有一發射器識別資料且廣播一廣播資料,該廣播資料包含該發射器識別資料,該可攜式電子裝置供一客戶操作使用,且儲存有一裝置識別資料及一對應於該客戶的身分識別資料,且當鄰近該等訊號發射器其中一者時,該可攜式電子裝置能與鄰近之該訊號發射器建立通訊連結而接收該訊號發射器廣播之該廣播資料,該行動銀行伺服器儲存有一對應於該客戶的客戶資料、多個分別對應於該等自動櫃員機的櫃員機識別資料,及該等訊號發射器的發射器識別資料,且每一櫃員機識別資料對應於對應之該自動櫃員機附近的該訊號發射器的該發射器識別資料,且該客戶資料包含對應於該客戶的該身分識別資料、該可攜式電子裝置的該裝置識別資料、一對應於該客戶的銀行帳號、一行動銀行登入密碼,及一無卡提款密碼,該銀行中心主機儲存有對應於該客戶的該銀行帳號及一餘額,該方法包含:當該可攜式電子裝置接收到該等訊號發射器其中一者廣播的該廣播資料,該可攜式電子裝置傳送一觸發通知給該行動銀行伺服器,該觸發通知包含該廣播資料的該發射器識別資料及該裝置識別資料;當該行動銀行伺服器判斷該觸發通知的該發射器識別資料及該裝置識別資料分別與該行動銀行伺服器儲存的該等發射器識別資料其中一者及該客戶資料的該裝置識別資料相符,該行動銀行伺服器傳送一用於詢問該客戶是否要無卡提款的推播訊息給該可攜式電子裝置供其顯示;當該可攜式電子裝置接收到一由該客戶輸入且對應於該推播訊息且用於表示要無卡提款的肯定指令,該可攜式電子裝置顯示一登入頁面供該客戶輸入該行動銀行登入密碼;該可攜式電子裝置根據該客戶的操作,使用該身分識別資料及該行動銀行登入密碼登入該行動銀行伺服器,並傳送一提款金額給該行動銀行伺服器;該行動銀行伺服器傳送一無卡提款通知給該觸發通知的該發射器識別資料對應之該櫃員機識別資料所對應且作為一目標櫃員機的該自動櫃員機,該無卡提款通知包含該身分識別資料、該無卡提款密碼、該銀行帳號及該提款金額;當該目標櫃員機接收到由該客戶輸入的且包含一待驗證身分識別資料、一待驗證無卡提款密碼及一待驗證提款金額的一提款資料,該目標櫃員機將該提款資料傳送給該櫃員機伺服器,並將該無卡提款通知的該身分識別資料、該無卡提款密碼及該提款金額作為一驗證資料傳送給該櫃員機伺服器;當該櫃員機伺服器判斷該提款資料的該待驗證身分識別資料、該待驗證無卡提款密碼及該待驗證提款金額分別與該驗證資料的該身分識別資料、該無卡提款密碼及該提款金額相符,該櫃員機伺服器傳送一驗證通過通知給該目標櫃員機;當該目標櫃員機接收到該驗證通過通知,該目標櫃員機傳送一扣款通知給該銀行中心主機,該扣款通知包含該銀行帳號及該提款金額;當該銀行中心主機判斷該提款金額不大於該餘額,該銀行中心主機將該餘額扣除該提款金額,並傳送一扣款成功通知給該目標櫃員機;及當該目標櫃員機接收到該扣款成功通知,該目標櫃員機吐出金額符合該提款金額的鈔票。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.
本發明的功效在於:藉由該等訊號發射器、該可攜式電子裝置及該行動銀行伺服器的相互配合,能傳送用於詢問該客戶是否要無卡提款的該推播訊息給該自動櫃員機附近的該可攜式電子裝置,並藉由該目標櫃員機、該櫃員機伺服器、該可攜式電子裝置、該行動銀行伺服器及該銀行中心主機的相互配合,使該客戶只需要在該可攜式電子裝置及該目標櫃員機進行簡單的操作,就可完成無卡提款,從而達成建置成本低、技術難度低的效果,且無需如先前技術事先收集往來客戶之生物特徵值。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.
在本發明被詳細描述之前,應當注意在以下的說明內容中,類似的元件是以相同的編號來表示。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.
參閱圖1,本發明自動推播無卡提款系統100的一實施例,包含多個自動櫃員機1、一櫃員機伺服器2、多個訊號發射器3、一可攜式電子裝置4、一行動銀行伺服器5,及一銀行中心主機6。Referring to FIG. 1, an embodiment of an automatic push-and-play cardless
每一自動櫃員機1儲存一櫃員機識別資料(例如設備序號)。該櫃員機伺服器2經由一通訊網路200電連接於該等自動櫃員機1而能與該等自動櫃員機1通訊。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
該等訊號發射器3分別設置於該等自動櫃員機1附近,每一訊號發射器3儲存有一發射器識別資料(例如設備序號)且廣播一廣播資料,該廣播資料包含該發射器識別資料。在本實施例中,每一訊號發射器3為一Beacon發射器。The
該可攜式電子裝置4供一客戶操作使用,且儲存有一裝置識別資料及一對應於該客戶的身分識別資料(例如身分證字號),且當鄰近該等訊號發射器3其中一者時,該可攜式電子裝置4能與鄰近之該訊號發射器3建立通訊連結而接收該訊號發射器3廣播之該廣播資料。在本實施例中,該可攜式電子裝置4為一智慧型手機,且安裝有一行動銀行應用程式,該裝置識別資料是由該可攜式電子裝置4安裝的該行動銀行應用程式產生,且當該可攜式電子裝置4接收到該廣播資料,該可攜式電子裝置4根據該廣播資料所包含的且對應於該行動銀行應用程式的UUID自動啟動該行動銀行應用程式而執行本發明有關該可攜式電子裝置4的步驟。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
該行動銀行伺服器5經由該通訊網路200電連接於該可攜式電子裝置4及該等自動櫃員機1,且儲存有一對應於該客戶的客戶資料、對應於該等自動櫃員機1的該等櫃員機識別資料,及該等訊號發射器3的發射器識別資料,且每一櫃員機識別資料對應於對應之該自動櫃員機1附近的該訊號發射器3的該發射器識別資料,且該客戶資料包含對應於該客戶的該身分識別資料、該可攜式電子裝置4的該裝置識別資料、一對應於該客戶的銀行帳號、一行動銀行登入密碼,及一無卡提款密碼。The mobile banking server 5 is electrically connected to the portable electronic device 4 and the ATMs 1 via the
該銀行中心主機6經由該通訊網路200電連接於該等自動櫃員機,且儲存有對應於該客戶的該銀行帳號及一餘額。The bank center host 6 is electrically connected to the ATMs via the
參閱圖1及圖2,以下說明本發明自動推播無卡提款系統100的控制方法的流程。首先,如步驟S01所示,當該可攜式電子裝置4接收到該等訊號發射器3其中一者廣播的該廣播資料,該可攜式電子裝置4傳送一觸發通知給該行動銀行伺服器5,該觸發通知包含該廣播資料的該發射器識別資料、該裝置識別資料及該身分識別資料。1 and 2, the following describes the flow of the control method of the automatic push-and-play
接著,如步驟S02所示,該行動銀行伺服器5判斷該觸發通知的該發射器識別資料、該裝置識別資料及該身分識別資料是否分別與該行動銀行伺服器5儲存的該等發射器識別資料其中一者、該客戶資料的該裝置識別資料及該身分識別資料相符,若否,則流程結束,若是,則執行步驟S03。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.
步驟S03是當該行動銀行伺服器5判斷該觸發通知的該發射器識別資料、該裝置識別資料及該身分識別資料分別與該行動銀行伺服器5儲存的該等發射器識別資料其中一者、該客戶資料的該裝置識別資料及該身分識別資料相符,該行動銀行伺服器5傳送一用於詢問該客戶是否要無卡提款的推播訊息給該可攜式電子裝置4供其顯示。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.
接著,如步驟S04所示,該可攜式電子裝置4判斷是否接收到一由該客戶輸入且對應於該推播訊息且用於表示要無卡提款的肯定指令,若否,則流程結束,若是,則執行步驟S05。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.
步驟S05是當該可攜式電子裝置4接收到由該客戶輸入且對應於該推播訊息且用於表示要無卡提款的該肯定指令,該可攜式電子裝置4顯示一登入頁面供該客戶輸入該行動銀行登入密碼。在本實施例中,該登入頁面用於供該客戶輸入該身分識別資料的欄位會自動帶入該身分識別資料,但不以此為限,在另一實施態樣中,該登入頁面用於供該客戶輸入該身分識別資料的欄位為空白欄位而需要該客戶手動輸入該身分識別資料。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.
接著,如步驟S06所示,該可攜式電子裝置4根據該客戶的操作,使用該身分識別資料及該行動銀行登入密碼登入該行動銀行伺服器5,並傳送一提款金額給該行動銀行伺服器5。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.
接著,如步驟S07所示,該行動銀行伺服器5傳送一無卡提款通知給該觸發通知的該發射器識別資料對應之該櫃員機識別資料所對應且作為一目標櫃員機的該自動櫃員機1。該無卡提款通知包含該身分識別資料、該無卡提款密碼、該銀行帳號、該提款金額,及該觸發通知的該發射器識別資料對應之該櫃員機識別資料(也就是該目標櫃員機的該櫃員機識別資料)。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).
接著,如步驟S08所示,該目標櫃員機判斷是否接收到由該客戶輸入的且包含一待驗證身分識別資料、一待驗證無卡提款密碼及一待驗證提款金額的一提款資料,若否,則流程結束,若是,則執行步驟S09。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.
步驟S09是當該目標櫃員機接收到由該客戶輸入的且包含該待驗證身分識別資料、該待驗證無卡提款密碼及該待驗證提款金額的該提款資料,該目標櫃員機將該提款資料傳送給該櫃員機伺服器2,並將該無卡提款通知的該身分識別資料、該無卡提款密碼及該提款金額作為一驗證資料傳送給該櫃員機伺服器2,並將其儲存的該櫃員機識別資料及該無卡提款通知包含的該櫃員機識別資料傳送給該櫃員機伺服器2。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.
接著,如步驟S10所示,該櫃員機伺服器2判斷該提款資料的該待驗證身分識別資料、該待驗證無卡提款密碼及該待驗證提款金額是否分別與該驗證資料的該身分識別資料、該無卡提款密碼及該提款金額相符,且該目標櫃員機儲存的該櫃員機識別資料是否與該無卡提款通知的該櫃員機識別資料相符,若否,則流程結束,若是,則執行步驟S11。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.
步驟S11是當該櫃員機伺服器2判斷該提款資料的該待驗證身分識別資料、該待驗證無卡提款密碼及該待驗證提款金額分別與該驗證資料的該身分識別資料、該無卡提款密碼及該提款金額相符,且該目標櫃員機儲存的該櫃員機識別資料與該無卡提款通知的該櫃員機識別資料相符,該櫃員機伺服器2傳送一驗證通過通知給該目標櫃員機。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.
接著,如步驟S12所示,當該目標櫃員機接收到該驗證通過通知,該目標櫃員機傳送一扣款通知給該銀行中心主機6,該扣款通知包含該銀行帳號及該提款金額。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.
接著,如步驟S13所示,當該銀行中心主機6接收到該扣款通知,該銀行中心主機6判斷該提款金額是否不大於該餘額,若否,則流程結束,若是,則執行步驟S14。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 .
步驟S14是當該銀行中心主機6判斷該提款金額不大於該餘額,該銀行中心主機6將該餘額扣除該提款金額,並傳送一扣款成功通知給該目標櫃員機。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.
最後,如步驟S15所示,當該目標櫃員機接收到該扣款成功通知,該目標櫃員機吐出金額符合該提款金額的鈔票。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.
值得一提的是,本發明可應用於賣場內的自動櫃員機1,自動對賣場內客戶推播該推播訊息,提醒客戶是否有提款需求,當客戶欲於賣場消費卻現金不足且無攜帶提款卡時,便可使用本發明的自動推播無卡提款系統100進行無卡提款。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-
綜上所述,本發明自動推播無卡提款系統100藉由該等訊號發射器3、該可攜式電子裝置4及該行動銀行伺服器5的相互配合,能傳送用於詢問該客戶是否要無卡提款的該推播訊息給該自動櫃員機1附近的該可攜式電子裝置4,並藉由該目標櫃員機、該櫃員機伺服器2、該可攜式電子裝置4、該行動銀行伺服器5及該銀行中心主機6的相互配合,使該客戶只需要在該可攜式電子裝置4及該目標櫃員機進行簡單的操作,就可完成無卡提款,從而達成建置成本低、技術難度低的效果,且無需如先前技術事先收集往來客戶之生物特徵值,故確實能達成本發明的目的。In summary, the automatic push-and-play cardless
惟以上所述者,僅為本發明的實施例而已,當不能以此限定本發明實施的範圍,凡是依本發明申請專利範圍及專利說明書內容所作的簡單的等效變化與修飾,皆仍屬本發明專利涵蓋的範圍內。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:自動推播無卡提款系統 1:自動櫃員機 2:櫃員機伺服器 3:訊號發射器 4:可攜式電子裝置 5:行動銀行伺服器 6:銀行中心主機 200:通訊網路 S01~S15:步驟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
本發明的其他的特徵及功效,將於參照圖式的實施方式中清楚地呈現,其中: 圖1是本發明自動推播無卡提款系統的一個實施例的一硬體連接關係示意圖;及 圖2(圖2A、圖2B及圖2C)是該實施例的一流程圖。 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:自動推播無卡提款系統 100: Automatic push card-free withdrawal system
1:自動櫃員機 1: ATM
2:櫃員機伺服器 2: ATM server
3:訊號發射器 3: Signal transmitter
4:可攜式電子裝置 4: Portable electronic device
5:行動銀行伺服器 5: Mobile Banking Server
6:銀行中心主機 6: Bank center host
200:通訊網路 200: communication network
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