TWI831459B - Payment methods and systems for cash withdrawals attached to transactions - Google Patents

Abstract

The present invention provides a payment method and system for withdrawing cash attached to a transaction. In remote areas, when consumers go to a special store for shopping and checkout, they require special store personnel to use a card swiping machine or QR code scanning machine to automatically withdraw the amount of cash requested. The amount will be deducted from their bank account at the same time, and the amount will be immediately transferred to the special store account, which is not limited to the same bank. When consumers go to the special store to shop, they can withdraw cash at the counter without having to go to the original withdrawal account separately. passage.

Description

Payment methods and systems for cash withdrawals attached to transactions

The present invention relates to a payment method and system, and in particular, to a method and system for withdrawing cash at the same time when transferring money at a store.

An Automated Teller Machine (ATM, also known as an automatic teller machine, automatic teller machine, or automatic financial machine) refers to a small machine set up by a bank that uses a credit card-sized magnetic stripe card or a chip on a chip card to record customers. The basic account information (usually called bank card, debit card, ATM card, etc.) allows customers to handle bank counter services such as withdrawals, deposits, transfers, etc. through the machine. Some customers call this self-service machine "withdrawal card". machine".

Chip financial cards are commonly known as "ATM cards" and can perform basic operations such as balance inquiries, deposits, withdrawals, and transfers. If you reject all additional functions of financial cards, you will get this card. Consumption deduction is an additional function of chip financial cards, which allows us to make purchases directly through the card without having to withdraw the money and then pay. The payment method for consumption deductions is to insert the chip debit card into a card reader that supports "smart pay" and enter the withdrawal password to make the payment. The concept of consumption deduction is just like "non-agreed transfer", which transfers money to the store. Therefore, the consumption deduction limit of many banks is also incorporated into the single-day limit of "non-agreed transfer". If you want to know your card To see if there is a consumption deduction function, just look at the debit card to see if there is a "Financial Company Logo".

For most people, if they want to withdraw money or transfer money, there are banks or ATMs everywhere, which is quite convenient. However, in remote areas, the distance to the nearest ATM is 30 kilometers, and the round trip takes more than 2 hours. At present, it is even Some towns and villages don’t even have an ATM. According to statistics, the number of administrative districts without banks has only increased from 147 to 163 in the past seven years. Without banks, people in rural areas can only rely on farmers' associations or credit cooperatives, but their business functions are still not as complete as banks. In the past seven years, various banks have withdrawn from 19 towns. There are contradictions in this. Some rural areas are affected by bank costs. Withdraw after consideration and become a financial desert.

Generally speaking, for over-the-counter withdrawals, depositors must properly keep their passbooks, deposit receipts, debit cards, seals, deposit book withdrawal passwords (not debit card passwords), etc. Password, the bank staff will usually call and notify the depositor in person; and generally speaking, when a non-personal withdrawal exceeds 500,000 yuan, not only will the depositor be notified by phone, but the bank will also need to file the withdrawal person's ID card. . However, the internal regulations of each bank are different, and even the regulations of financial institutions such as banks, post offices, and farmers' associations are also different.

The electronic wallet consists of an electronic wallet device and an electronic wallet system. Dedicated e-wallet devices include the biometric Dunhill, which stores electronic cash and card information via a Bluetooth connection. Currently more popular are electronic wallets that utilize the NFC function of mobile phones, such as Google's Google Pay, Samsung's Samsung Smart Pay, and Apple's Apple Pay for iPhone 6 and subsequent models.

An e-wallet is an electronic device that can conduct personal electronic transactions, including online shopping or physical store shopping. The e-wallet can be associated with an individual's bank account. Electronic driver's licenses, health insurance cards, ID cards or other digital documents can also be placed inside. These credentials can be delivered to merchants via near field communication (NFC). Today's e-wallets can not only carry out basic financial transactions, but also serve as proof of identity for the holder. An electronic wallet consists of two parts: software and information. The software part provides security and encryption of personal information and transaction information. The information section is basically a database of user information that stores The information includes shipping address, billing address, payment method (including credit card number, expiration date, and security number) and other information.

However, it is known that the cost of ATM machines, peripheral facilities, and maintenance costs are very expensive. Due to cost considerations, financial institutions are unable to deploy them widely. They mostly place the machines in commercial areas, causing the automation equipment to be too concentrated in urban areas, suburbs, and residential areas. Districts do not have access to the same convenient services, and there are also cases where people are attacked or robbed when withdrawing money late at night or in remote locations.

In view of the above-mentioned problems of the conventional technology, a payment method for withdrawing cash is provided with the transaction, in which consumers can directly shop and receive cash at the store without using the conventional withdrawal method, and there is no need to worry about withdrawing money in remote locations. While paying, he was robbed.

One object of the present invention is to provide a payment method and system for withdrawing cash with a transaction. When consumers need to withdraw cash while shopping, they can withdraw cash directly at the store without going to an ATM or a financial institution, so as to improve the bias. The problem of withdrawing money at the rural location.

In order to achieve the above-mentioned purposes and effects, the present invention provides a payment method for withdrawing cash attached to a transaction. The steps include: a consumer provides a demand for a consumption amount and a withdrawal amount and one of the corresponding requirements for the consumer A password message and an account information of the account are sent to a sales server, and the sales server generates an encoded message. The sales server receives a transaction amount and a corresponding sales account provided by a sales client; the sales server The client server sends the transaction amount, the account information, the consumption amount, the withdrawal amount and the coded message to a first financial server; the first financial server sends the transaction amount, the account information through an intermediary server information, the consumption amount, the withdrawal amount and the coded message to a second financial server; the second financial server verifies the transaction amount, the account information provided by the first financial server based on the coded message, The consumption amount and withdrawal The amount is to obtain an account amount corresponding to the account information, deduct the transaction amount, the consumption amount and the withdrawal amount from the account amount and generate a payment message, the payment message includes a transfer amount of the transaction amount, the consumption amount The sum of the amount and the withdrawal amount; and the second financial server sends the payment message to the first financial server through the intermediary server, and the first financial server receives the transfer amount and stores it in the sales terminal according to the The account is sent to the sales terminal of the sales terminal server, and the sales terminal provides a cash amount to the consumer based on the corresponding withdrawal amount.

In one embodiment of the present invention, in the step of the consumer providing the demand for the consumption amount and the withdrawal amount and the password information and the account information corresponding to the consumer's account to the sales server. , the demand is provided to the sales side server through the sales side.

In one embodiment of the present invention, in the step of the consumer providing the demand for the consumption amount and the withdrawal amount and the password information and the account information corresponding to the consumer's account to the sales server. , the demand is provided to the sales server through the consumer.

In one embodiment of the present invention, the sales terminal server is used to provide the sales terminal to print a detailed list of the consumption amount and the withdrawal amount.

In one embodiment of the present invention, the second financial server determines that the account amount is less than the sum of the transaction amount, the consumption amount, and the withdrawal amount, and terminates the transaction.

In one embodiment of the present invention, in the step of the first financial server transmitting the transaction amount, the account information, the consumption amount, and the withdrawal amount to a second financial server through an intermediary server, the The first financial server further generates a transaction verification value based on the transaction amount, the account information, the consumption amount, and the withdrawal amount, and generates a transaction verification value based on the transaction amount, the account information, the consumption amount, the withdrawal amount, and the transaction The verification value and an encryption purpose code generate a transaction verification message to the intermediary server, and are forwarded by the intermediary server to the second financial server, which is used to allow the second financial server to verify the transaction based on the coded message. The transaction verification value of the transaction verification message.

In one embodiment of the present invention, the encryption purpose code is 3DS, DES, AES (128 bits, 192 bits, 256 bits) or RSA.

In one embodiment of the present invention, in the step of verifying the coded message by the second financial server to obtain the account amount corresponding to the account information, the second financial server decrypts the transaction verification message according to a decoding purpose code. , to obtain the transaction amount, the account information, the consumption amount, the withdrawal amount and the transaction verification value, and further verify the transaction verification value based on the coded message, which is used to allow the second financial server to determine whether Terminate transaction.

In one embodiment of the present invention, the decoding purpose code is 3DS, DES, AES (128 bits, 192 bits, 256 bits) or RSA.

In order to achieve the above-mentioned purposes and effects, the present invention provides a payment system for cash withdrawal with transaction, which includes: a sales server, a first financial server, which is correspondingly connected to the sales server, and a first financial server. An intermediary server, which is correspondingly connected to the first financial server, and a second financial server, which is correspondingly connected to the intermediary server, wherein a consumer provides a demand for a consumption amount and a withdrawal amount and corresponds to the A password message and an account information of an account of the consumer are sent to the sales server. The sales server receives a transaction amount and a corresponding sales account provided by a sales server. The sales server generates a code. message, the sales server sends the transaction amount, the account information, the consumption amount, the withdrawal amount and the coded message to the first financial server, and the first financial server sends the transaction through the intermediary server The amount, the account information, the consumption amount, the withdrawal amount and the coded message are sent to the second financial server. The second financial server verifies the transaction amount provided by the first financial server based on the coded message. The account information, the consumption amount, and the withdrawal amount are used to obtain an account amount corresponding to the account information, and the transaction amount, the consumption amount, and the withdrawal amount are deducted from the account amount and a payment message is generated. Including a transfer amount that is the sum of the transaction amount, the consumption amount and the withdrawal amount, and the second financial server sends the payment message to the first financial server through the intermediary server, and the first financial server The server receives the transfer amount and stores it in an account based on the sales end, and transmits it to the sales end of the sales end server. The sales end provides a cash amount to the consumer based on the corresponding withdrawal amount.

In one embodiment of the present invention, the demand is provided to the sales server through a sales terminal.

In one embodiment of the present invention, the sales server is used to print a detailed list of the consumption amount and the withdrawal amount.

In one embodiment of the present invention, the second financial server determines that the account amount is less than the sum of the transaction amount, the consumption amount, and the withdrawal amount, and terminates the transaction.

In one embodiment of the present invention, the first financial server transmits the transaction amount, the account information, the consumption amount, the withdrawal amount and the coded message to a second financial server through an intermediary server. In the step, the first financial server further generates a transaction verification value based on the transaction amount, the account information, the consumption amount, and the withdrawal amount, and generates a transaction verification value based on the transaction amount, the account information, the consumption amount, and the withdrawal amount. The amount, the coded message, the transaction verification value and an encryption purpose code generate a transaction verification message to the intermediary server, and are forwarded by the intermediary server to the second financial server, which is used to allow the second financial The server verifies the transaction verification value of the transaction verification message based on the encoding message.

In one embodiment of the present invention, the encryption purpose code is 3DS, DES, AES (128 bits, 192 bits, 256 bits) or RSA.

In one embodiment of the present invention, in the step of verifying the coded message by the second financial server to obtain the account amount corresponding to the account information, the second financial server decrypts the transaction verification message according to a decoding purpose code. , to obtain the transaction amount, the account information, the consumption amount, the withdrawal amount, the coded message and the transaction verification value, and further verify the transaction verification value based on the coded message, which is used to allow the second financial The server determines whether to terminate the transaction.

In one embodiment of the present invention, the decoding purpose code is 3DS, DES, AES (128 bits, 192 bits, 256 bits) or RSA.

04:Account information

06:Password message

08:Demand

10: Sales server

102:Chip financial card

104:Sales side

106:Mobile device

12:Consumption amount

14: Transaction amount

16: Withdrawal amount

20:First financial server

202: Sales account

22: Transaction verification value

24: Transaction verification message

26: Encoded message

30:Mediation server

38: Payment message

40:Second financial server

402: Consumer Account

404:Account amount

406: Terminate transaction message

APP: Electronic wallet application

S06: Steps

S08: Steps

S10: Steps

S12: Steps

S14: Steps

S16: Steps

S162: Step

S164: Steps

S166: Steps

S18: Steps

Figure 1: It is a schematic diagram of the steps of an embodiment of the present invention; Figure 2: It is a schematic diagram of the system of an embodiment of the present invention; Figure 3: It is a schematic diagram of the steps of a chip financial card according to an embodiment of the present invention. Schematic diagram; Figure 4: It is a schematic diagram of the steps of the electronic wallet according to one embodiment of the present invention; Figure 5: It is a schematic flow chart of verifying the balance according to one embodiment of the present invention; Figure 6: It is one of the present invention. A schematic diagram of the system for verifying the balance according to the embodiment; and Figure 7: This is a schematic diagram of the system for terminating transactions according to an embodiment of the present invention.

In order to enable your review committee to have a further understanding and understanding of the characteristics and effects of the present invention, we would like to provide examples and accompanying explanations, which are as follows: In view of the problems of the above-mentioned conventional technologies, a transaction-included withdrawal is provided. The cash payment method and system allows consumers to shop directly in stores and receive cash without having to use conventional withdrawal methods, and there is no need to worry about being robbed when withdrawing money in remote locations to solve the problem of conventional remote areas. Difficulty in withdrawing funds.

Please refer to Figure 1, which is a schematic diagram of the steps of one embodiment of the present invention. As shown in the figure, this embodiment is a payment method for withdrawing cash attached to a transaction. The steps include: Step S10: A consumer provides a demand for a consumption amount and a withdrawal amount, a password message corresponding to an account of the consumer, and an account information to a sales server, and the sales server receives a sales server Provided a transaction amount and a corresponding sales account, the sales server generates a coded message; Step S12: The sales server sends the transaction amount, the account information, the consumption amount, the withdrawal amount and the code The message is sent to a first financial server; Step S14: The first financial server sends the transaction amount, the account information, the consumption amount, the withdrawal amount and the coded message to a second financial server through an intermediary server server; Step S16: The second financial server verifies the transaction amount, the account information, the consumption amount, and the withdrawal amount provided by the first financial server based on the encoded message to obtain an account corresponding to the account information. The amount is deducted from the account amount by the transaction amount, the consumption amount and the withdrawal amount and a payment message is generated. The payment message includes a transfer amount that is the sum of the transaction amount, the consumption amount and the withdrawal amount; and steps S18: The second financial server sends the payment message to the first financial server through the intermediary server. The first financial server receives the transfer amount and sends it to the sales side of the sales side server. The sales The end provides a cash amount to the consumer based on the withdrawal amount.

In this embodiment, please also refer to Figure 2, which is a system block diagram of an embodiment of the present invention. As shown in the figure, this embodiment includes a sales server 10, a first financial server 20, An intermediary server 30 and a second financial server 40.

In step S10 of this embodiment, the consumer provides the demand 08 for the consumption amount 12 and the withdrawal amount 16, and the password information 06 and the account information corresponding to the consumer's account. Message 04 is sent to the sales side server 10. The sales side server 10 receives the transaction amount 14 provided by the sales side 104 and the corresponding sales side account 202. The sales side server 10 generates an encoded message 26.

In this embodiment, in step S10, the demand 08 can be provided to the sales server 10 through the sales terminal 104 or provided to the sales server 10 through the consumer.

Furthermore, there are two ways to provide the above-mentioned sales terminal account 202: 1. The sales terminal 104 pre-stores the sales terminal account 202, and then provides it to the sales terminal server by the sales terminal 104 when the consumer makes consumption. Server 10; 2. Generated by consumption behavior, and then provided to the sales end server 10 by the sales end 104.

Among them, the sales terminal server 10 is used to provide the sales terminal 104 to print a detailed list of the consumption amount 12 and the withdrawal amount 16. The sales terminal 104 is a terminal device of a special store or a general store.

Among them, the sales server 10 refers to the server system of the cash register. The aforementioned cash register system refers to the server system in stores such as supermarkets. The cash register is a POS terminal device, which is connected to the head office. Server system for real-time ERP and information flow management.

Among them, in this embodiment, the above-mentioned special store refers to a store that has signed a contract with the payment system for cash withdrawal attached to the transaction of the present invention. The sales terminal account 202 is the account of the bank that the sales terminal 104 cooperates with. The transaction The amount 14 corresponds to the consumption amount 12.

Next, in steps S12 to S14 of this embodiment, when the sales server 10 sends the transaction amount 14, the account information 04, the consumption amount 12, the withdrawal amount 16 and the coded message 26 to the first Financial server 20. The first financial server 20 then sends the transaction amount 14, the account information 04, the consumption amount 12, the withdrawal amount 16 and the coded message 26 to the second financial server through the intermediary server 30. Server 40.

Among them, in this embodiment, the first financial server 20 is a bank-side server, which is set up in an acquiring bank, such as: Cathay Pacific Commercial Bank, China Trust Commercial Bank, and the second financial server 40 is The bank server is set up in a card issuing bank, such as Cathay Pacific Commercial Bank and China Trust Commercial Bank.

In this embodiment, the bank of the first financial server 20 is the same as the bank of the second financial server 40 . Furthermore, the bank of the first financial server 20 is different from the bank of the second financial server 40 .

In step S16 in this embodiment, when the second financial server 40 receives the transaction amount 14, the account information 04, the consumption amount 12, the withdrawal amount 16 and the coded message 26, the second financial server 40 The financial server 40 verifies the above-mentioned transaction amount 14, the account information 04, the consumption amount 12, and the withdrawal amount 16 based on the coded message 26 to obtain the account amount 404 corresponding to the account information 04, and transfer the account The amount 404 deducts the transaction amount 14, the consumption amount 12 and the withdrawal amount 16, and generates the payment message 38.

The payment message 38 includes the transfer amount, which is the sum of the transaction amount 14, the consumption amount 12, and the withdrawal amount 16.

Finally, in step S18 of this embodiment, the second financial server 40 sends the payment message 38 to the first financial server 20 through the intermediary server 30, and the first financial server 20 receives the transfer amount, And transmitted to the sales terminal 104 of the sales terminal server 10, the sales terminal 104 withdraws a cash amount based on the corresponding withdrawal amount 16 and provides it to the consumer.

The advantage of this embodiment is that consumers do not need to go through an ATM to withdraw money at this store. They only need to withdraw money while shopping. Two amounts can be processed in the same transaction. The acquiring and issuing financial institutions use this invention to combine Inter-bank settlement is completed instantly, and consumers should deduct payments (for purchases and cash withdrawals) and transfer them to the merchant's designated account immediately, bringing convenience to consumers.

Next, before step S10 of this embodiment, the implementation steps can be divided into the following two examples according to the different user accounts provided by the user:

1. When the user uses a physical chip financial card, please refer to Figure 1, Figure 2 and Figure 3, which are schematic diagrams of the steps of the chip financial card according to one embodiment of the present invention. As shown in the figure, This embodiment further includes a step before step S10: step S06: the consumer provides a chip financial card to the sales server.

In this embodiment, the consumer provides the chip financial card 102 and the sales terminal 104 reads it to the sales terminal server 10 , where the chip financial card 102 includes the card information, and the card information includes the information corresponding to the consumer account 402 The password information 06 and the account information 04. After step S06, step S10 is executed continuously.

2. When the user uses the electronic wallet, please refer to Figure 1 and Figure 2, and please refer to Figure 4 as well, which is a schematic diagram of the steps of the electronic wallet according to one embodiment of the present invention, as shown in the figure. Before step S10 of this embodiment, the steps of using an electronic wallet can also be performed, and the steps are as follows: Step S08: The consumer provides a one-dimensional barcode or a two-dimensional barcode of an electronic wallet application at the sale. end server.

In this embodiment, step S08 is started and then step S10 is executed, that is, the electronic wallet page of the electronic wallet application APP is executed on the sales server 10 through a mobile device 106, and the electronic wallet application is The electronic wallet page of the program APP is scanned by the sales terminal 104, wherein the electronic wallet page contains the one-dimensional barcode or the two-dimensional barcode, the one-dimensional barcode or the two-dimensional barcode contains the account information 04, and the account information 04 contains 402 for the consumer account.

In step S10 of this embodiment, the consumer provides the demand 08 for the consumption amount 12 and the withdrawal amount 16 through the mobile device 106, and the password corresponding to the consumer account 402 The message 06 and the account information 04 are sent to the sales server 10 through the sales terminal 104. The sales server 10 receives the transaction amount 14 provided by the sales terminal 104 and the corresponding sales terminal account 202.

In this embodiment, whether you use a physical card (the chip financial card 102) or a virtual electronic wallet, you can conduct transactions and withdraw money with the sales server 10. There is no need to bind a physical ATM or bank. Withdraw the required amount through transactions at the same time, reducing the time spent looking for an ATM.

In addition, in step S14 in this embodiment, the first financial server 20 further generates a transaction verification value, which further includes: the first financial server 20 based on the transaction amount 14, the account information 04, The consumption amount 12 and the withdrawal amount 16 generate the transaction verification value 22, and based on the transaction amount 14, the account information 04, the consumption amount 12, the withdrawal amount 16, the transaction verification value 22 and an encryption purpose code A transaction verification message 24 is generated to the intermediary server 30 and forwarded to the second financial server 40 by the intermediary server 30 .

In this embodiment, the first financial server 20 generates a transaction verification value 22 based on the transaction amount 14, the account information 04, the consumption amount 12, and the withdrawal amount 16.

And further, the first financial server 20 generates a transaction verification message 24 through the encryption usage code to the transaction amount 14, the account information 04, the consumption amount 12, the withdrawal amount 16 and the transaction verification value 22. The intermediary server 30 transmits the transaction verification message 24 to the second financial server 40 through the intermediary server 30 for subsequent transaction judgment.

The encryption code can be 3DS, DES, AES (128 bits, 192 bits, 256 bits) or RSA.

Then, in step S16 in this embodiment, the second financial server 40 decrypts the received transaction verification message, reads the transaction verification value, and performs subsequent verification and appropriation actions. It goes further. Contains steps:

Step S161: Decrypt the transaction verification message according to a decryption purpose code to obtain the transaction amount, the account information, the consumption amount, the withdrawal amount and the transaction verification value, and the second financial server verifies the transaction based on the code message amount, the account information, the consumption amount, and the withdrawal amount to obtain the account amount, and further verify the transaction verification value based on the coded message to determine the authenticity of the transaction. If the transaction is true, the account The amount is deducted from the transaction amount, the consumption amount and the withdrawal amount and the payment message is generated; if the transaction is false, the transaction is terminated and the first financial server is notified to terminate the transaction.

In this embodiment, in step S161, the second financial server 40 decrypts the transaction verification message 24 according to the decryption purpose code to obtain the transaction amount 14, the account information 04, the consumption amount 12, the withdrawal amount 16 and The transaction verification value 22 is then used by the second financial server 40 to verify the transaction amount 14, the account information 04, the consumption amount 12, and the withdrawal amount 16 based on the encoded message 26 to obtain the account amount 404.

Further, the second financial server 40 verifies the transaction verification value 22 based on the encoded message 26 to determine whether the transaction is true or false. If the transaction is true, the account amount 404 is deducted from the transaction amount 14, the consumption amount 12 and the withdrawal amount. Receive the amount 16 and generate the payment message 38; if the transaction is false, terminate the transaction and notify the first financial server 20 to terminate the transaction.

That is to say, when the second financial server 40 verifies that the transaction verification value 22 is false based on the encoded message 26, the second financial server 40 also provides the transaction termination message 406 through the intermediary server 30, The first financial server 20 is provided to the sales server 10 .

The decryption code may be 3DS, DES, AES (128 bits, 192 bits, 256 bits) or RSA.

In addition, in step S16 of this embodiment, please refer to Figure 5, which is a schematic flow chart of the verification amount according to one embodiment of the present invention, and Figure 6, which is one embodiment of the present invention. As shown in the figure, this embodiment further verifies whether the amount in the consumer's account is sufficient for subsequent consumption transactions. Therefore, it further includes steps:

Step S162: The second financial server verifies whether the account amount is sufficient. When the account amount is insufficient, the step is executed: Step S164: Terminate the transaction; in this embodiment, refer again to Figure 6, the second financial server 40 Comparing the transaction amount 14 with the account amount 404, if the account amount 404 is lower than the transaction amount 14, the second financial server 40 provides a transaction termination message 406 to the first financial server 20, and then transmits it to The sales side server 10 sends the transaction termination message 406 to the sales side 104, and the sales side 104 then notifies the consumer.

When the account amount 404 is sufficient, perform the following steps: Continuing the above, in step S162 of this embodiment, the second financial server 40 verifies whether the account amount 404 is sufficient. When the account amount 404 is sufficient, perform the step: step S166 : Generate a payment message; in this embodiment, please refer to Figure 7, which is a schematic diagram of a system for terminating a transaction according to an embodiment of the present invention. As shown in the figure, the second financial server 40 compares the transaction amount with 14 and the account amount 404, and the account amount 404 is higher than or equal to the transaction amount 14, then the second financial server 40 provides the payment message 38 to the sales server 10, and the sales server 10 sends the The payment message 38 is sent to the sales terminal 104, and the sales terminal 104 notifies the consumer.

The advantage of this embodiment is that even if there is no automatic teller machine nearby, or if you suddenly find that you need small amounts of cash while shopping, you do not need to look for an automatic teller machine to get money. You only need to hold a debit card with a transfer consumption function or With the mobile wallet, when shopping or consuming in a special store, you can ask the special store staff to use a point-of-sale terminal or a QR code scanning and other cashier equipment to withdraw the required amount of cash from their bank account. Deduct it from your account to meet the public's need to receive small amounts of cash nearby, reduce the operating costs of financial institutions and protect the safety of customers' withdrawals.

Next, the following practical examples are given to illustrate the operation process of the method of this embodiment. The actual usage examples are as follows:

1. When the user's consumption method is to use the chip financial card 102 for consumption: When the consumer wants to go to the store to shop, the consumer will calculate the amount of the product by himself. Assume that the amount is 200 yuan, and the consumer wants to To withdraw 800 yuan, the consumer needs to take out a financial card with a chip and show it to the store clerk. The clerk will insert it into the card reader (the sales terminal 104), and then the consumer confirms that the transaction amount is 1,000 yuan (200 yuan + 800 yuan). Yuan), you need to enter the password on the card reader of the cash register system. If the consumption amount and the transaction amount are consistent or inconsistent, the transaction amount shall prevail. The cash register system (the sales server 10) receives the consumer's account Information 04, the transaction amount 14 (200 yuan), the withdrawal amount 16 (800 yuan) and the password of the consumer account 402 are transmitted to the acquiring bank (the first financial server 20), the acquiring bank (the first financial server 20), and the acquiring bank (the first financial server 20). The server 20) transmits the consumer's account information 04 and the transaction amount 14 (200 yuan) and the withdrawal amount 16 (800 yuan) and the consumer account through Financial Information Co., Ltd. (the intermediary server 30) The coded message 26 corresponding to the password of 402 is sent to the card issuing bank (the second financial server 40). The card issuing bank (the second financial server 40) verifies the transaction verification value 22 through the coded message 26, and then goes to Confirm the account amount 404 of the consumer account 402. If there is an account amount 404 of 2,000 yuan in the consumer account 402, the combined amount 1,000 yuan will be deducted, and the card issuing bank (the second financial server 40) will use Financial Information Co., Ltd. (the intermediary server 30) sends 1,000 yuan to the acquiring bank (the first financial server 20), and the acquiring bank (the first financial server 20) receives the 1,000 yuan and deposits it in the store's account (the first financial server 20). The sales end account 202) and transmits 1,000 yuan to the cash register system (the sales end server 10), the consumer can receive 800 yuan in cash, and the transaction amount of 200 yuan is deducted 14.

2. When the consumer uses the e-wallet application APP to consume: When a consumer wants to go to a store for shopping, the consumer will calculate the amount of the product by himself. Assume that the amount is 200 yuan and the consumer wants to withdraw 800 yuan. The consumer needs to open the electronic device on the mobile phone (the mobile device 106). Wallet application APP, and enter the password to open the QR Code/barcode of the electronic wallet application APP, and let the clerk scan it with the scanner of the cash register (the sales terminal 104). If the consumption amount and the transaction amount are consistent or inconsistent, the transaction amount will be used as the Accurately, the cash register system (the sales server 10) receives the consumer's account information 04, the transaction amount 14 (200 yuan), the withdrawal amount 16 (800 yuan) and the password corresponding to the consumer account 402 The encoded message 26 is transmitted to the acquiring bank (the first financial server 20), and the acquiring bank (the first financial server 20) transmits the consumer's account information through Financial Information Co., Ltd. (the intermediary server 30) 04 and the transaction amount 14 (200 yuan) and the withdrawal amount 16 (800 yuan) and the wallet production QR Code/barcode and other consumption information are sent to the card issuing bank (the second financial server 40), the card issuing bank (the second The financial server 40) verifies that the wallet production QR Code/barcode and other consumption information are correct, and then confirms the total amount of the consumer account 402. If there is 2,000 yuan in the consumer's account, the combined amount of 1,000 yuan will be deducted, and The issuing bank (the second financial server 40) will send 1,000 yuan to the acquiring bank (the first financial server 20) through Financial Information Co., Ltd. (the intermediary server 30), and the acquiring bank will receive the 1,000 yuan and deposit it in the store. account (the sales end account 202), and transmits 1,000 yuan to the cash register system (the sales end server 10), the consumer can receive 800 yuan in cash, and the transaction amount of 200 yuan is deducted 14.

To sum up, the present invention provides a payment method and system for withdrawing cash with a transaction, which can make it more convenient for people to withdraw cash, even if there is no automatic teller machine nearby, or they temporarily find a small amount of cash when shopping. In this case, you no longer need to look for an ATM to withdraw money. As long as you have a debit card or mobile wallet with the transfer and consumption function, you can ask the special store staff to use the point-of-sale terminal or scan when shopping or consuming in a special store. Cashier equipment such as ATMs will deduct the required cash withdrawal amount from their bank accounts. It is known that the machine cost, peripheral facilities, and maintenance costs of automatic teller machines are very expensive. Due to cost considerations, financial institutions cannot set up widespread locations. Most of them will The machines are placed in commercial areas, causing the automation equipment to be too concentrated in urban areas. Suburban and residential areas are unable to obtain the same convenient services and people cannot get the same convenient services late at night or in residential areas. There have been cases of people being attacked or robbed when withdrawing money in remote places. Using the characteristics of special stores across the country, we can meet the public's need to receive small amounts of cash nearby, reduce the operating costs of financial institutions, and ensure the safety of customers' withdrawals. problem.

Therefore, this invention is indeed novel, progressive and can be used industrially. It should undoubtedly meet the patent application requirements of my country's Patent Law. I file an invention patent application in accordance with the law and pray that the Office will grant the patent as soon as possible. I am deeply grateful.

However, the above is only an embodiment of the present invention and is not intended to limit the scope of the present invention. Therefore, all equal changes and modifications can be made in accordance with the shape, structure, characteristics and spirit described in the patent scope of the present invention. All should be included in the patentable scope of the present invention.

S10: Steps

S12: Steps

S14: Steps

S16: Steps

S18: Steps

Claims (20)

A payment method for withdrawing cash with a transaction, the steps of which include: a consumer provides a demand for a consumption amount and a withdrawal amount, and a password message and an account information corresponding to an account of the consumer to a sales terminal server The sales server receives a transaction amount and a corresponding sales account provided by a sales server, and the sales server generates an encoded message; the sales server transmits the transaction amount, the account information, and the consumption The amount, the withdrawal amount and the coded message are sent to a first financial server; the first financial server sends the transaction amount, the account information, the consumption amount, the withdrawal amount and the coded message through an intermediary server to a second financial server; the second financial server verifies the transaction amount, the account information, the consumption amount, and the withdrawal amount provided by the first financial server based on the coded message to obtain the corresponding account information An account amount, deduct the transaction amount, the consumption amount and the withdrawal amount from the account amount and generate a payment message, the payment message includes a transfer amount which is the sum of the transaction amount, the consumption amount and the withdrawal amount ; and the second financial server sends the payment message to the first financial server through the intermediary server, and the first financial server receives the transfer amount and sends it to the sales end of the sales end server, and the sales end The end provides a cash amount to the consumer based on the withdrawal amount. If the transaction mentioned in request item 1 comes with a payment method for cash withdrawal, the consumer provides the demand for the consumption amount and the withdrawal amount and the password information and account information corresponding to the consumer's account to In the step of the sales server, the demand is provided to the sales server through the sales server. If the transaction mentioned in request item 1 comes with a payment method for cash withdrawal, the consumer provides the demand for the consumption amount and the withdrawal amount and the password information and account information corresponding to the consumer's account to In the step of the sales server, the demand is provided to the sales server through the consumer. If the transaction described in request item 1 comes with a payment method of withdrawing cash, the sales terminal server is used to provide the sales terminal with a detailed statement of the consumption amount and the withdrawal amount. If the transaction described in request item 1 comes with a payment method of cash withdrawal, the second financial server determines that the account amount is less than the sum of the transaction amount, the consumption amount and the withdrawal amount, and terminates the transaction. If the transaction described in request item 1 is accompanied by a payment method for cash withdrawal, the transaction amount, the account information, the consumption amount, the withdrawal amount and the coded message are sent to the first financial server through an intermediary server The steps to a second financial server further include steps: the first financial server generates a transaction verification value based on the transaction amount, the account information, the consumption amount, and the withdrawal amount, and generates a transaction verification value based on the transaction amount, The account information, the consumption amount, the withdrawal amount, the transaction verification value and an encryption purpose code generate a transaction verification message to the intermediary server, and the intermediary server forwards it to the second financial server, which is The transaction verification value is used to allow the second financial server to verify the transaction verification message based on the encoded message. If the transaction described in request item 6 is accompanied by a payment method for cash withdrawal, the encryption usage code is 3DS, DES, AES (128 bits, 192 bits, 256 bits) or RSA. If the transaction described in claim 6 is accompanied by a payment method for cash withdrawal, in which the second payment The step of the financial server verifying the coded message to obtain the account amount corresponding to the account information further includes the step of: the second financial server decrypts the transaction verification message according to a decoding purpose code to obtain the transaction amount and the account amount. information, the consumption amount, the withdrawal amount and the transaction verification value, and further verify the transaction verification value based on the encoded message, which is used to allow the second financial server to determine whether to terminate the transaction. If the transaction described in request item 8 is accompanied by a payment method for withdrawing cash, the decoding purpose code is 3DS, DES, AES (128 bits, 192 bits, 256 bits) or RSA. A payment system with cash withdrawal attached to a transaction, which includes: a sales server; a first financial server, which is connected to the sales server; and an intermediary server, which is connected to the first financial server; and a second financial server, which is correspondingly connected to the intermediary server; wherein a consumer provides a demand for a consumption amount and a withdrawal amount, and a password message corresponding to an account of the consumer and an account information to The sales side server receives a transaction amount and a corresponding sales side account provided by a sales side, the sales side server generates an encoded message, and the sales side server transmits the transaction amount, the account information, the consumption amount, the withdrawal amount and the coded message to the first financial server, and the first financial server transmits the transaction amount, the account information, the consumption amount, and the withdrawal amount through the intermediary server and the encoded message is sent to the second financial server. The second financial server verifies the transaction amount, the account information, and the consumption provided by the first financial server based on the encoded message. amount, the withdrawal amount to obtain an account amount corresponding to the account information, deduct the transaction amount, the consumption amount and the withdrawal amount from the account amount and generate a payment message, the payment message includes a transfer amount for the transaction The sum of the amount, the consumption amount and the withdrawal amount, and the second financial server sends the payment message to the first financial server through the intermediary server, and the first financial server receives the transfer amount and stores it in According to the sales terminal account and transmitted to the sales terminal server, the sales terminal provides a cash amount to the consumer based on the corresponding withdrawal amount. The transaction described in claim 10 is accompanied by a payment system for withdrawing cash, wherein the demand is provided to the sales server through the sales terminal. A payment system for withdrawing cash attached to the transaction as described in claim 10, wherein the demand is provided to the sales server through the consumer. If the transaction described in request item 10 is accompanied by a payment system for cash withdrawal, the sales terminal server is used to provide the sales terminal to print a detailed statement of the consumption amount and the withdrawal amount. For example, the transaction described in claim 10 is a payment system with cash withdrawal, wherein the second financial server determines that the account amount is less than the sum of the transaction amount, the consumption amount, and the withdrawal amount, and terminates the transaction. A payment system for withdrawing cash is attached to the transaction described in request item 10, wherein the first financial server further generates a transaction verification value based on the transaction amount, the account information, the consumption amount, and the withdrawal amount, and based on the The transaction amount, the account information, the consumption amount, the withdrawal amount, the transaction verification value and an encryption purpose code generate a transaction verification message to the intermediary server, and the intermediary server forwards it to the second fund The financial server is used to allow the second financial server to verify the transaction verification value of the transaction verification message based on the encoded message. A payment system for withdrawing cash attached to the transaction as described in claim 15, wherein the encryption usage code is 3DS, DES, AES (128 bits, 192 bits, 256 bits) or RSA. For example, in the payment system for withdrawing cash attached to the transaction described in request item 16, the second financial server decrypts the transaction verification message based on a decoding purpose code to obtain the transaction amount, the account information, the consumption amount, and the withdrawal amount. The withdrawal amount and the transaction verification value are collected, and the transaction verification value is further verified based on the encoded message, which is used to allow the second financial server to determine whether to terminate the transaction. A payment system for withdrawing cash attached to the transaction as described in claim 17, wherein the decoding purpose code is 3DS, DES, AES (128 bits, 192 bits, 256 bits) or RSA. A payment system for withdrawing cash is provided as part of the transaction described in claim 10, wherein the consumer provides the account information to the sales server through an application. The payment system for withdrawing cash is attached to the transaction as described in claim 10, wherein the consumer provides a chip financial card to read the account information through a card reader and provide it to the sales server.