TWI817504B - Cardless withdrawal method and system thereof with automatic push notification - Google Patents

Abstract

A cardless withdrawal method which utilizes the Global Positioning System (GPS) and an electronic device to execute the cardless withdrawal, including the following steps: Download an application and allow a server of the cardless withdrawal, and the application download a first geographic data of the ATM. Compare the first geographic data and a second geographic data of the electronic device. Send an automatic push notification when the distance between the first geographic data and the second geographic data is lower than a threshold. Finish the cardless withdrawal when passing the identity verification.

Description

Automatic promotion of cardless withdrawal methods and systems

The present invention discloses a method and system for automatically promoting cardless withdrawals, in particular, a method and system for automatically promoting cardless withdrawal services through a global positioning system (GPS) to simplify the automatic promotion of cardless withdrawal services.

In today's technology, when people need to withdraw money without a card, in most cases they need to apply for the cardless withdrawal service from online banking and write down the withdrawal serial number, withdrawal amount and transaction generated by online banking. After entering the password, you can click on the cardless withdrawal service at the physical ATM, and enter the serial number, amount and password related to each of the above transactions to complete the cardless withdrawal. However, these serial numbers are usually generated randomly, which are not only lengthy and difficult to remember, but also prone to errors when entering, causing the withdrawal process to be unsmooth.

Then, although other methods have been developed to achieve cardless withdrawal services through global positioning systems, people still usually have to manually send cardless withdrawal requirements in advance before they can carry out cardless withdrawal services. .

Therefore, how to develop a more simplified operation process that can not only integrate with the global positioning system but also automatically notify people whether they want to make cardless withdrawals has become an issue to be solved.

The present invention provides an automatically promoted cardless cash withdrawal method, which utilizes a Global Positioning System (GPS) and a user device to provide a cardless cash withdrawal service, including the following steps: the user uses the user device to download an application program. To activate the cardless withdrawal service, and download the first geographical data of the ATM through the application. The above-mentioned application receives the second geographical data generated by the user device through the global positioning system, and compares the first geographical data with the second geographical data. When the distance between the first geographical data and the second geographical data is less than the preset value, the application sends an automatic push message to the user device to remind the user device to perform cardless withdrawal service. After passing the first identity verification and the second identity verification, the ATM completes the cardless withdrawal service based on the withdrawal information.

Optionally, the step of activating the cardless withdrawal service further includes: setting user account information in the application, agreeing to activate the cardless withdrawal service in the application, and enabling the positioning function of the user device. Among them, user account information includes the user's name, ID card number, date of birth, account information, biometric information or a combination thereof.

Optionally, the automatic push cardless withdrawal method of the present invention further includes: when clicking on the automatic push message and agreeing to perform the cardless withdrawal service, select the automatic cardless withdrawal service in the application. The teller machine uses the user's device for first identity verification. Furthermore, when After successful verification, the first identity verification result will be transmitted to the ATM and the application. Finally, the ATM screen displays the withdrawal screen.

Optionally, the automatic push cardless withdrawal method of the present invention further includes: when clicking on the automatic push message and agreeing to perform the cardless withdrawal service, the application program automatically selects the first geographical information and the second geographical information. , the ATM with the smallest distance uses the user device to perform the first identity verification. Furthermore, when the verification is successful, a first identity verification result is transmitted to the ATM and the application, and finally, the withdrawal screen is displayed on the screen of the ATM.

Optionally, the automatically promoted cardless withdrawal method of the present invention further includes: after the user inputs the withdrawal amount on the withdrawal screen, the ATM returns the withdrawal amount to the user device.

Optionally, the automatic push cardless withdrawal method of the present invention further includes: when the automatic push message is clicked and the cardless withdrawal service is refused, it will automatically no longer be displayed on the user's device and within a preset time. /Or when the user does not respond to the automatic push message and the distance between the first geographical data and the second geographical data is greater than the default value, the automatic push message will no longer be displayed on the user's device.

Optionally, the automatically pushed cardless withdrawal method of the present invention further includes the following steps: the ATM transmits the withdrawal information back to the application, and the application sends a confirmation transaction permission to the user device. After agreeing to confirm the transaction permission, , the user device performs second identity verification, and when the verification is successful, the ATM completes the cardless withdrawal service based on the withdrawal information.

In addition, the present invention also provides an automatic push cardless cash withdrawal system, which includes an application program for performing cardless cash withdrawal services at an automatic teller machine through a user device, wherein the user device has a communication module and Positioning module, and the above-mentioned applications also include: setting module, database, comparison module and verification module. Set the module signal to connect to the communication module, Used to set up cardless withdrawal service and user account information. The database signal connection setting module is used to store user account information and the first geographical data of the ATM. The comparison module signal is connected to the database for comparing the first geographical data of the ATM with the second geographical data generated by the positioning module. The verification module signal connects the communication module and the ATM, and is used to perform the first identity verification and the second identity verification of the cardless withdrawal service, and generate the first identity verification result and/or the second identity verification result.

Optionally, the above user account information includes the user's name, ID card number, date of birth, phone number, account information, biometric information or a combination thereof.

Optionally, when the distance between the first geographical data and the second geographical data is less than a preset value, the comparison module sends an automatic push message to the communication module.

Optionally, the automatic push cardless withdrawal system of the present invention further includes: when the automatic push message is clicked and the cardless withdrawal service is refused, the user device will no longer display the automatic push message within a preset time disappears and/or when there is no response to the automatic push message and the distance between the first geographical data and the second geographical data is greater than the default value, the user device will no longer display the automatic push message.

Optionally, the automatic push cardless withdrawal system of the present invention further includes: after passing the first identity verification and the second identity verification, the ATM completes the cardless withdrawal service based on the withdrawal information.

Optionally, the automatic push cardless cash withdrawal system of the present invention further includes: after completing the first identity verification, the verification module sends a confirmation transaction permission to the communication module, and after agreeing to confirm the transaction permission, the verification module performs a third step. Two identity verification.

Optionally, the first identity verification and the second identity verification include at least one verification factor, and the verification factor includes a knowledge factor, a possession factor, an inherent factor, or a combination thereof.

To sum up, the method and system for automatically pushing cardless withdrawals of the present invention can automatically push users to ask whether they need to make cardless withdrawals through global positioning systems and automatic comparisons. When the users agree to withdraw money, After completing the highly secure and efficient verification process, you can withdraw cash without a card. Therefore, the overall process for users to make cardless withdrawals is smoother, without the need to manually send cardless withdrawals in advance.

10: Automatically promote cardless withdrawal system

100:Application

110: Setting module

120:Database

130:Comparison module

140: Verification module

200: User device

210: Communication module

220: Positioning module

300:ATM

The accompanying drawings are provided to enable those skilled in the art to further understand the present invention, and are incorporated into and constitute a part of the specification of the present invention. The drawings illustrate exemplary embodiments of the invention and, together with the description of the invention, serve to explain the principles of the invention. The following is a brief description of each figure of the present invention: Figure 1 is a functional block diagram of an automatically promoted cardless withdrawal method and system according to an embodiment of the present invention.

FIG. 2 is an operation flow chart of an automatically promoted cardless withdrawal method and system according to an embodiment of the present invention.

FIG. 3 is another operation flow chart of the automatically promoted cardless withdrawal method and system according to an embodiment of the present invention.

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention. Obviously, the described embodiments are only some of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without making any progressive contributions fall within the scope of protection of the present invention.

In view of the above problems, embodiments of the present invention develop an automatically promoted cardless cash withdrawal method, which uses a global positioning system and a user device to perform a cardless cash withdrawal service, which at least includes the following steps: downloading using the user device The application is used to activate the cardless withdrawal service, and the application downloads the first geographical data of the ATM.

The application receives the second geographical data generated by the user device through the global positioning system and compares it with the first geographical data of the ATM.

When the distance between the first geographical data and the second geographical data is less than the preset value, the application sends an automatic push message to the user device to remind the user device to perform cardless withdrawal service.

After passing the first identity verification and the second identity verification, the cardless withdrawal is completed by the ATM based on the withdrawal information.

For example, the above-mentioned application program may be, for example, a bank's online banking application program, but the present invention is not limited thereto.

Then, when the user device is used to download the online banking application, the application will jointly store the geographical data of all currently logged-in ATMs in the user device (that is, the first geographical data). The above application will then receive the user device The geographical data (that is, the second geographical data) is compared with the first geographical data.

Once the distance between the first geographical data and the second geographical data is less than the preset value, the application will send an automatic push message to the user's device, the content of which is to ask the user whether he or she needs to make a cardless withdrawal. When the user agrees to make a cardless withdrawal, the first identity verification and the second identity verification will be performed. And only when the above verifications are successful, the ATM will complete the cardless withdrawal based on the withdrawal information.

The above withdrawal information includes the withdrawal amount entered by the user into the ATM and the user's bank account information, but the invention is not limited thereto.

It is worth noting that in a preferred embodiment, after downloading the application, the user needs to set the user account information in the application first. The user account information includes the user's name, phone number, and ID card number. , bank account information, biometric information or a combination thereof (but the present invention is not limited to this).

After completing the account settings, the application will default to enable the cardless withdrawal service and also enable the positioning function of the user's device to obtain relevant geographical data. However, if the user feels that there is no need for this, they can turn off the cardless withdrawal service in the app settings.

In addition, users can also choose different positioning methods. For example, they can choose to only turn on the positioning function of the user's device while using the application, or allow the above-mentioned application to detect the geographical location of the user's device at any time. It is better to use a positioning method that allows the above-mentioned application to detect the geographical location of the user's device at any time.

Next, please refer to FIG. 2 , which is an operation flow chart of an automatically promoted cardless withdrawal method and system according to an embodiment of the present invention. In step S200 of Figure 2, the user agrees to activate the cardless withdrawal service and has also set the user account information.

In steps S204-S206 of Figure 2, the comparison module 130 in the application will compare the first geographical data of the ATM 300 and the second geographical data of the user device 200. When the distance between the two is less than one When the value is preset (for example, less than one meter, but the present invention is not limited thereto), step S210 is continued. On the contrary, when the distance between the two is greater than the preset value, step S208 is performed, that is, the application does not send out a push message (does not trigger a reminder).

In step S210, a reminder is triggered, and the above reminder will be an automatic push message. If the user decides to make a cardless withdrawal at this time, step S216 is continued. On the contrary, if the user does not perform cardless withdrawal, step S214 is continued to end the cardless withdrawal operation.

In step S216, the user agrees to perform cardless withdrawal and selects the ATM to withdraw money from in the application. It is worth noting that this is because some counters with ATMs will have several ATMs at one time, so it is possible to compare the first geographical data of multiple ATMs with the second geographical data of the user's device at the same time. The distance between data will be smaller than the default value. Therefore, the better way is for the application to automatically lock the nearest ATM to allow the user to withdraw money without a card; or, it is also possible to allow the user to select the ATM to withdraw money in the application.

However, if there is only one nearby ATM that meets the criteria, just select that ATM. Alternatively, the application can automatically select the ATM and provide it to the user's device for cardless withdrawal service, and then continue the first identity verification operation.

Next, the first identity authentication is performed, that is, the authentication between the user device and the application, which is used to confirm that the person who wants to perform the cardless withdrawal service is the person who originally set up the user account information to reduce the risk of theft. risk. The authentication method may be, for example, fingerprint recognition, facial recognition, voiceprint recognition, a transaction password preset by the user, etc. (but the invention is not limited to this). After the first identity verification is passed, step S218 continues. On the other hand, if the first identity verification fails, step S214 is continued to end the current cardless withdrawal operation.

In step S218, when the first identity verification is passed, the ATM will return the withdrawal amount and the bank account information to be withdrawn to the application, and the application will display a transaction confirmation confirmation. After the user agrees to the transaction, a second identity verification is performed, that is, another verification between the user device and the application. After the second identity verification is passed, step S220 is continued. On the contrary, when the second identity verification fails, such as fingerprint identification error or transaction password input error (but the present invention is not limited to this), then return to step S214 to end the cardless withdrawal operation.

In step S220, when the second identity verification is passed, the ATM issues banknotes based on the withdrawal amount and bank account information to complete the cardless withdrawal transaction.

Further, after triggering the reminder and selecting whether to perform a cardless withdrawal, a more detailed description can be made with reference to Figure 3. Figure 3 illustrates an automatically promoted cardless withdrawal method and system according to an embodiment of the present invention. Another job flow chart. In step S310 of Figure 3, when the distance between the first geographical data and the second geographical data is less than the preset value, a reminder (that is, an automatic push message) is triggered, and following step S312, the user will decide whether to perform cardless withdrawal. payment.

When the user agrees to perform cardless withdrawal, step S314 is continued. After each identity verification is completed and passed, the cardless withdrawal transaction is completed. And when the user sees himself Automatically push the message, but there is no need for cardless withdrawal at the moment, and you click to disagree, proceed to step S316, the automatic push message will disappear, and no reminder will be sent within a certain preset time.

Furthermore, when the application automatically pushes the message but the user ignores the automatic push message, step S318 is continued. In step S318, when the user ignores the automatic push message until the distance between the first geographical data and the second geographical data is greater than the preset value, step S316 is continued and the automatic push message automatically disappears. When the user ignores the automatic push message but the distance between the first geographical data and the second geographical data is always less than the preset value, step S320 is continued. After a period of time, the application determines that the user has not performed cardless withdrawal. Upon payment demand, the above-mentioned automatic push message will automatically disappear.

In addition to the above-mentioned automatically promoted cardless withdrawal method, the present invention also provides an automatically promoted cardless withdrawal system. Please refer to Figure 1 . Figure 1 shows an automatically promoted cardless withdrawal method according to an embodiment of the present invention. Functional block diagram of the method and system. The automatic promotion cardless cash withdrawal system 10 of the present invention includes an application program 100 for performing cardless cash withdrawal services at an ATM 300 through a user device 200, wherein the user device 200 has a communication module 210 and positioning module 220.

Following the above, the above-mentioned application program 100 further includes: a setting module 110, a database 120, a comparison module 130 and a verification module 140. The setting module 110 is connected to the user device 200 via signals and is used to set the cardless withdrawal service and user account information. The signal connection setting module 110 of the database 120 is used for storing user account information and the first geographical data of the ATM 300 . The comparison module 130 is connected to the database 120 via a signal, and is used for comparing the first geographical data of the ATM 300 with the second geographical data of the user device 200 . The verification module 140 signals the user device 200 and the ATM 300 for first identity verification and cardless withdrawal. Comparison of the second identity verification and generating the first identity verification result and/or the second identity verification result.

Please refer to FIG. 2 here to explain in detail the implementation of the automatic push cardless cash withdrawal system of the present invention. FIG. 2 is an operation flow chart of an automatically promoted cardless withdrawal method and system according to an embodiment of the present invention. In step S200 of Figure 2, the user agrees to activate the cardless withdrawal service and has also set the user account information.

That is to say, the user uses the user device 200 to download the application 100 (for example, an online banking application, but the invention is not limited thereto), and inputs the user account information into the setting module 110, and then The setting module 110 transmits the settings and user account information that agree to activate the cardless withdrawal service to the database 120 for storage, and the database 120 will download and store the ATM together with the above-mentioned application after the user downloads it. The first geographical data of 300.

It is worth mentioning that the above-mentioned first geographical data of the ATM 300 can also be updated in real time by connecting to an external bank server (not shown in the figure) to avoid when an ATM is removed. Application 100 used incorrect geographical data and accidentally triggered the automatic push function.

In steps S204-S206 of Figure 2, the comparison module 130 in the application 100 will compare the first geographical data of the ATM 300 and the second geographical data of the user device 200. When the distance between the two is less than one When the value is preset (for example, less than one meter, but the present invention is not limited thereto), step S210 is continued. On the contrary, when the distance between the two is greater than the preset value, step S208 is performed, that is, the reminder is not triggered.

It is worth noting that in this embodiment, the second geographical data of the user device 200 is obtained through its internal positioning module 220 and transmitted to the comparison module 130 through the communication module 210 for comparison. Homework.

In step S210, the automatic push message will be displayed on the user device 200 through the communication module 210. If the user decides to make a cardless withdrawal at this time, step S216 is continued. On the contrary, if the user does not perform cardless withdrawal, step S214 is continued to end the cardless withdrawal operation.

In step S216, the user agrees to perform cardless withdrawal and selects the ATM 300 from which the withdrawal is to be made in the application 100. Alternatively, when the user agrees to perform cardless withdrawal, an ATM 300 can be automatically selected to provide the user device 200 with the cardless withdrawal service, without allowing the user to manually select, and directly continue with the third step. An identity verification operation, that is, authentication between the user device 200 and the application 100, is used to confirm that the user who wants to perform the cardless withdrawal service matches the user account information originally set.

After the first identity verification is passed, step S218 continues. On the other hand, if the first identity verification fails, step S214 is continued to end the current cardless withdrawal operation.

In step S218, after the first identity verification is passed, the ATM 300 returns the withdrawal amount and bank account information to the application 100, and displays a confirmation transaction permission through the communication module 210. After the user agrees to perform the transaction, a second identity verification is performed, that is, another verification between the user device 200 and the application 100 is performed. After the second identity verification is passed, step S220 is continued. On the contrary, when the second identity verification fails, the process returns to step S214 to end the current cardless withdrawal operation. In step S220, when the second identity verification After the card is passed, the ATM 300 will issue banknotes based on the withdrawal amount and bank account information, and complete the cardless withdrawal transaction.

Next, please refer to FIG. 3 again to explain in detail the further application of the automatic push cardless cash withdrawal system of the present invention. FIG. 3 is another operation flow chart of the automatically promoted cardless withdrawal method and system according to an embodiment of the present invention.

In step S310, when the distance between the first geographical data of the ATM 300 stored in the database 120 and the detected second geographical data of the user device 200 is less than a preset value, a reminder (that is, automatic push) is triggered. broadcast message) and displayed on the user device 200, and then proceeding to step S312, the user will decide whether to perform cardless withdrawal.

When the user agrees to perform cardless withdrawal, step S314 is continued. After each identity verification is completed and passed, the cardless withdrawal transaction is completed. When the user sees the automatic push message but there is no need for card withdrawal at the moment and clicks to disagree, step S316 is continued. The automatic push message will no longer be displayed and will not be sent again within a certain preset time. remind.

It is worth noting that the above-mentioned preset time can be the preset time entered by the user when setting up the cardless withdrawal function, or it can be automatically set in the automatic promotion of the cardless withdrawal system 10 The preset time is not limited to this.

Furthermore, when the automatic push message is displayed but the user ignores the automatic push message, step S318 is continued. In step S318, when the user ignores the automatic push message until the distance between the first geographical data of the ATM 300 and the second geographical data of the user device 200 is greater than the default value, for example, the customer has completed other financial services. and leaves the financial institution, then step S316 is continued, and the automatic push message disappears automatically.

And when the user ignores the automatic push message, but the distance between the first geographical data and the second geographical data is always less than the default value, for example, the user only comes to open a new financial account this time instead of making a withdrawal, then continue Step S320: After a period of time, the application 100 determines that the user has no need for cardless withdrawal, and the above-mentioned automatic push message will automatically disappear.

In addition, the automatically promoted cardless withdrawal method and system of the present invention can also have a smart reminder mechanism to analyze the user's daily consumption by connecting to an external bank server (not shown in the figure) Habits, and based on consumption habits, other reminder information is put into automatic push messages to remind users to perform cardless withdrawal services.

For example, users will pay credit card fees in cash on a regular basis in the middle of the month. Therefore, when it is close to the middle of the month and the user happens to be located at a location where the distance between the first geographical data and the second geographical data is less than the preset value, the automatic push message sent by the application 100 will also remind the user of recent events. Card fees need to be paid and whether a cardless withdrawal service is required for cash payments. In this way, the convenience of cardless withdrawal service can be further improved and it can also be closer to the habits of different users.

Finally, the user device on which the automatic push cardless cash withdrawal method and system of the present invention is implemented can be a smart phone, a tablet computer, a notebook computer or other wearable devices, as long as it is portable Electronic devices with positioning and communication functions are all devices that can be implemented according to the present invention, and the present invention is not limited thereto.

In summary, the automatic push cardless withdrawal method and system of the present invention have the following effects:

(1) It is no longer necessary to send a cardless withdrawal request by yourself. Instead, when the conditions are met, a message indicating whether cardless withdrawal is required will be received on the user's device.

(2) It has multiple verification operations to ensure the security of cardless withdrawals.

(3) Simplify the process of cardless withdrawal in the previous technology, improve efficiency and optimize user experience.

Although the embodiments of the present invention have been shown and described, it will be understood by those of ordinary skill in the art that various changes, modifications, substitutions and changes can be made to these embodiments without departing from the principles and spirit of the invention. Variations, the scope of the present invention is defined by the appended claims and their equivalents.

10: Automatically promote cardless withdrawal system

100:Application

110: Setting module

120:Database

130:Comparison module

140: Verification module

200: User device

210: Communication module

220: Positioning module

300:ATM

Claims (8)

An automatically promoted cardless withdrawal method, which utilizes a global positioning system and a user device to perform a cardless withdrawal service, including the following steps: using the user device to download an application to activate the cardless withdrawal service, and the application downloads a plurality of first geographical data of a plurality of ATMs; the application receives a second geographical data generated by the user device through the global positioning system, and compares it with the first geographical data Yes; when the distance between at least one of the first geographical data and the second geographical data is less than a preset value, the application sends an automatic push message to the user device to remind the user device to perform the unauthorized operation. Card withdrawal service; when clicking on the automatic push message and agreeing to perform the card-less withdrawal service, select one of the at least one of the ATMs to perform the card-less withdrawal service; utilize the use The user's device performs a first identity verification; when the verification is successful, the result of the first identity verification is transmitted to the selected ATM and the application, and the selected ATM displays a withdrawal screen; on the withdrawal screen After entering a withdrawal amount, the selected ATM will return the withdrawal amount to the application of the user device; the application sends a confirmation transaction permission to the user device; after agreeing to the confirmation transaction permission , the user device performs a second identity verification; and when the verification is successful, the result of the second identity verification is transmitted to the selected ATM and the application, and the selected ATM completes the withdrawal based on the amount. Cardless cash withdrawal service. The automatically promoted cardless withdrawal method as described in request item 1, wherein the step of activating the cardless withdrawal service further includes: setting a user account information in the application, wherein the user account information Including the user's name, a phone number, an ID number, a date of birth, an account information, a biometric information or a combination thereof. The automatically promoted cardless withdrawal method as described in request item 1, wherein the method selected in at least one of the ATMs includes selection in the application or is automatically selected by the application in conjunction with the third 2. The one with the smallest distance between the two geographical data. The automatically promoted cardless withdrawal method as described in request item 1 further includes: when the automatically promoted message is clicked and the cardless withdrawal service is refused, the automatically promoted message will be sent within a preset time No longer shown on this user's device. The automatically pushed cardless withdrawal method as described in request item 1 further includes: when there is no response to the automatically pushed message, and the distance between the at least one of the first geographical data and the second geographical data When it is greater than the default value, the automatic push message will no longer be displayed on the user's device. An automatically promoted cardless withdrawal system, used to perform the automatically promoted cardless withdrawal method described in any one of requests 1-5, the automatically promoted cardless withdrawal system includes the application program, by The cardless cash withdrawal service is performed at one of the ATMs by the user device, where the user device has a communication module and a positioning module, and the application further includes: a setting module, The signal is connected to the user device for setting the cardless withdrawal service and the user account information; A database, a signal connected to the setting module, used to store the user account information and the first geographical data of the ATMs; a comparison module, a signal connected to the database, used to compare the The first geographical data of the ATM and the second geographical data generated by the positioning module; and a verification module to signally connect the user device and the ATMs for performing the cardless cash withdrawal service The first identity verification and the second identity verification, and generate the result of the first identity verification and/or the result of the second identity verification. The automatic push cardless cash withdrawal system as described in claim 6, wherein the automatic push message is sent by the comparison module to the communication module of the user device. The automatic push cardless cash withdrawal system as described in claim 6, wherein the confirmation transaction permission is sent by the verification module to the communication module of the user device.

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