TWM460347U - Credit granting teller system - Google Patents

Description

Credit withdrawal system

The present invention relates to a credit withdrawal system, in particular, a method for installing a voucher through a mobile device, and then granting a credit to the original voucher issuing institution via the network, thereby obtaining cash according to the device to the cash machine or the cooperative merchant; For the user, when going out or in a hurry, it is not necessary to have a card to carry out cash withdrawal, and the person who needs the cash transaction can solve the immediate inconvenience.

At present, the user wants to withdraw cash. First, carry the passbook and seal in the financial institution's business hours. First, prepare the chip financial card or cash card or credit card to the cash machine to withdraw, but when going out If you don't carry a card or if your financial institution is not open or you can't find a cash machine, you have to use your cash to get a card or borrow money from friends and family. There are many inconveniences.

This creation is in the mobile device that has installed or built-in chip, account number or card number or certificate or biometrics (hereinafter referred to as credit certificate), input the chip card password or account number plus the withdrawal password or card number plus the withdrawal password or certificate plus After the password or biometric plus password (hereinafter referred to as password), and input the withdrawal amount, the system will add the user's password and the withdrawal amount, and the key or verification code or withdrawal password provided by the issuing credit certificate unit. After the combination, a specific set of values is generated, which is transmitted back to the issuing unit back-end server verification through the encrypted channel, and the issuing unit verifies the correctness and agrees to the customer to withdraw the amount, and then transmits a set of one-dimensional or two-dimensional barcode (QR Code). Or code or graphic to the consumer mobile device, after the consumer enters the password to unlock, the consumer can hold the one-dimensional or two-dimensional bar code or code or graphic to the cash machine or the cooperative store, and sweep through the cash machine or the cooperative shop. The aiming device scans a set of one- or two-dimensional barcodes (QR Codes) or codes or graphics provided by the consumer and sets the set of one-dimensional or two-dimensional barcodes (QR Code) After the code or graphic is sent back to the backend server for verification, the cash machine or the partner store can provide the amount that the consumer should raise.

In order to achieve the above purpose, the author is able to withdraw cash after verifying the password based on the mobile device and verifying the password according to the card reader device of the cash machine or the partner merchant through the mobile device. The mobile device installation component, the password storage unit and the secure encryption channel are configured to send a credit request from the mobile device; the back-end setting credit system and the accounting system are approved according to the credit request; and the delivery is sent when the credit is successful. The password generation system of the password and the message replying system when the credit is not passed; the cash machine or the cooperative merchant card reading device reads the reading unit that requests the password; and the cash machine or the cooperative merchant card reading device reads the password after the password is read. Return verification system.

In one embodiment of the present invention, the mobile device can be a mobile phone, a lithographic computer, or a notebook computer.

In an embodiment of the present invention, the mobile device mounting component can be an APP, an executable file.

In an embodiment of the present invention, the password storage unit may be a chip, a memory card, a hard disk, or a SIM card. .

In an embodiment of the present invention, the secure encryption channel may be an encryption system such as a VPN or a 3DES.

In an embodiment of the present invention, the credit system and the accounting system can be a server or a computer.

In an embodiment of the present invention, the password generation system can be a server or a computer.

In an embodiment of the present invention, the password may be a one-dimensional barcode, a two-dimensional barcode, a digital code, or the like.

In one embodiment of the present creation, the cash dispenser can be a physical cash dispenser.

In an embodiment of the present invention, the reading unit for reading the dereference password may be a barcode scanner, a keyboard, a QR Cord reader, or the like.

In one embodiment of the present invention, the message replying system can send and receive emails.

In an embodiment of the present invention, the verification system can be a server or a computer.

In an embodiment of the present invention, after the user inputs the password by using the mobile device and combines the credit certificate, the user can withdraw the cash through the credit and verification, and then to the cash machine or the cooperative merchant.

Please refer to the “1.2.3.4 Diagram” for the flow chart of the creation, the flow chart of the APP or executable file, the flow chart of the operation of the back-end server of the issuing unit, and the flow chart of the operation of the cash machine or the cooperative merchant.

As shown in the figure, the creation system is a credit withdrawal system, which includes at least one issuing unit 4, a mobile device 1, a chip card or a storage area, and can store the user's account number or card number or certificate or biometrics, etc. The issuing unit key or verification code or withdrawal password 2, APP or executable file 3, the issuing unit backend server 5, and the cooperative merchant or cash machine 6, and the issuing unit backend server 5 further includes communication The component 10, the security control component 11, the accounting host interface interface 12, the credit component 13, the verification component 14 and the one- or two-dimensional barcode or code or graphics generator 15, and the mobile device 1 includes an APP or an execution file 3, The chip card or storage area 2, the APP or the execution file 3 comprises a communication component 7, a security control component 8 and an operation interface 9, and the cooperation merchant or cash dispenser 6 comprises a scanning or code input component 16, a communication component 17, and a security control component 18. And verification component 19.

The issuing unit may be a financial institution or a merchant, and the mobile device may be a mobile phone, a lithographic computer, a notebook computer or a PDA.

The wafer card or storage area issued by the issuing unit 4 can store the account number or card number or voucher or biometrics of the user provided by the issuing unit, and the issuing unit key or verification code or withdrawal password 2 can be stored or downloaded and stored to the mobile device 1 Afterwards, the user can input the input chip card password or account number plus the withdrawal password or card number plus the withdrawal password or the voucher plus the password or biometric plus the password in the operation interface 9, and input the withdrawal amount, and then the security control component 8 Add the user's chip card password or account number plus the withdrawal password or card number plus the withdrawal password or voucher plus the password or biometric plus password and add the withdrawal amount, and issue the chip card or account number. After the card number or the certificate or the verification code or the withdrawal password provided by the certificate or the biometric unit is combined, a specific set of values is generated and returned to the issuing unit backend server 5 for verification, and the issuing unit server 5 verifies and agrees. After the user withdraws the amount, a set of one-dimensional or two-dimensional barcode (QR Code) or code or graphic is generated through the one-dimensional or two-dimensional barcode or code or graphic generator 15, and is encrypted and transmitted to the user's mobile device 1 for use. After the password is unlocked, the user can hold the one-dimensional or two-dimensional barcode or code or graphic to the cash machine or the cooperative store, and scan the user or the code input device 16 through the cash machine or the cooperative shop. One set of one-dimensional or two-dimensional barcode (QR Code) or code or graphic, and the set of one-dimensional or two-dimensional barcode (QR Code) or code or graphic is transmitted back to the back-end server-side verification component 14 , notify the cash machine or the cooperative store to provide the user with the amount to be paid.

In summary, this creation allows users to use their mobile devices to withdraw cash without carrying ATM cards, credit cards and cash. Users can also use this creation to go out without having to carry multiple cards. Or a large amount of cash, for the user can effectively solve the risk of loss, theft and other issues.

1‧‧‧Mobile devices (mobile phones, lithographic computers, notebook computers or PDAs, etc.)

2‧‧‧wafer card or storage area, which can store the user's account number or card number or voucher or biometrics, and the issuing unit key or verification code or withdrawal code

3‧‧‧APP or executable file

4‧‧‧ Issued unit

5‧‧‧ Issued by the backend server

6‧‧‧Partners or cash machines

7‧‧‧Communication components

8‧‧‧Security components

9‧‧‧Operator interface

10‧‧‧Communication components

11‧‧‧Security components

12‧‧‧Accounting Host Interface

13‧‧‧credit components

14‧‧‧ verification component

15‧‧‧1D or 2D barcode or code or graphics generator

16‧‧‧Scan or code input components

17‧‧‧Communication components

18‧‧‧Security components

19‧‧‧ verification component

The first picture is a block diagram of the credit withdrawal system.

The second figure is the flow chart of the APP or the execution file of the mobile device.

The third picture is the flow chart of the operation of the server at the end of the issue unit.

The fourth picture is the operation chart of the cash machine or cooperative store system.

1‧‧‧Mobile devices (mobile phones, lithographic computers, notebook computers or PDAs, etc.)

2‧‧‧wafer card or storage area, which can store the user's account number or card number or voucher or biometrics, and the issuing unit key or verification code or withdrawal code

3‧‧‧APP or executable file

4‧‧‧ Issued unit

5‧‧‧ Issued by the backend server

6‧‧‧Partners or cash machines

7‧‧‧Communication components

8‧‧‧Security components

9‧‧‧Operator interface

10‧‧‧Communication components

11‧‧‧Security components

12‧‧‧Accounting Host Interface

13‧‧‧credit components

14‧‧‧ verification component

15‧‧‧1D or 2D barcode or code or graphics generator

16‧‧‧Scan or code input components

17‧‧‧Communication components

18‧‧‧Security components

19‧‧‧ verification component

Claims (6)

A credit withdrawal system includes: an issuer, a credit certificate for issuing a chip card or a storage area, and a mechanism for providing a withdrawal password; a back-end server of the issuer, having a billing, credit system, and credit providing and verifying Mechanism; a mobile device, install APP or executable file and provide network function; an APP or executable file for providing users to apply for credit and communicate with the issuing unit back-end server; a chip card or storage area, storage issuing unit The credit certificate and the issuing unit key or verification code; a cooperative merchant or cash machine provides the place where the user withdraws cash; the user applies to an issuing unit and obtains or downloads the credit certificate and the withdrawal password, and stores it to In a chip card or storage area, the user can install an APP or an executable file through the mobile device, and generate a withdrawal request through the APP or the executable file on the chip card or the credit certificate and the withdrawal password in the storage area of the mobile device. The road is transmitted to the issuing unit; after the issuing unit back-end server receives and verifies the user's credit certificate and the withdrawal password is correct, a set of one is generated. Or a 2D barcode or code or graphic is transmitted back to the user, and the user can scan the 1D or 2D barcode or code or graphic to the partner merchant or the cash machine, and the partner merchant or cash machine can After the cash dispenser returns to the issuing unit server and confirms it, it will pay the cash to the user. According to the credit withdrawal system described in claim 1 of the patent application scope, the issuing unit may be a financial institution or a general company line number. According to the credit withdrawal system described in claim 1, wherein the mobile device can be a mobile phone, a lithographic computer, a notebook computer, a PDA or other Internet-enabled device. The credit withdrawal system of claim 1, wherein the wafer card or storage area may be a wafer card, a SIM card, a memory card, a hard disk, a flash drive or a voucher carrier. According to the credit withdrawal system described in Item 1 of the patent application scope, the credit certificate of the issuing unit may be composed of an electronic voucher, a biometric, a password or a bar code, and a graphic pattern individually or in combination. According to the credit withdrawal system described in claim 1, wherein the payment unit providing the user's withdrawal password may be an electronic voucher, a biometric, a password or a bar code, and the graphics are individually or combined.