TWM567926U - Mobile cash withdrawing system - Google Patents

Mobile cash withdrawing system Download PDF

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Publication number
TWM567926U
TWM567926U TW107210000U TW107210000U TWM567926U TW M567926 U TWM567926 U TW M567926U TW 107210000 U TW107210000 U TW 107210000U TW 107210000 U TW107210000 U TW 107210000U TW M567926 U TWM567926 U TW M567926U
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Taiwan
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withdrawal
bank
platform
card account
financial card
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TW107210000U
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Chinese (zh)
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田育任
張麗芳
汪曉雯
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財金資訊股份有限公司
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Priority to TW107210000U priority Critical patent/TWM567926U/en
Publication of TWM567926U publication Critical patent/TWM567926U/en

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Abstract

一種行動提款系統,包括:自動提款機包括:顯示輸入提款金額畫面及提款二維條碼,輸入提款金額;掃描提款交易二維條碼;接收允許提款信號及該提款交易二維條碼,以得到一金融卡帳號及一交易驗證碼,發送金融卡帳號及交易驗證碼;智慧型行動裝置包括:掃描提款二維條碼;解譯提款二維條碼得到提款金額,將金融卡帳號及交易驗證碼組譯成提款交易二維條碼;及設定金融卡帳號及輸入密碼,透過密碼將金融卡帳號、交易日期、交易金額轉換成交易驗證碼,顯示提款金額與提款交易二維條碼。An action withdrawal system, comprising: an automatic cash dispenser comprising: displaying an input withdrawal amount screen and withdrawing a two-dimensional barcode, inputting a withdrawal amount; scanning a withdrawal transaction two-dimensional barcode; receiving an allowable withdrawal signal and the withdrawal transaction The two-dimensional barcode is used to obtain a financial card account number and a transaction verification code, and the financial card account number and the transaction verification code are sent; the smart mobile device includes: scanning and withdrawing the two-dimensional barcode; and interpreting the withdrawal of the two-dimensional barcode to obtain the withdrawal amount. Translating the financial card account number and the transaction verification code group into a two-dimensional barcode of the withdrawal transaction; setting the financial card account number and inputting the password, converting the financial card account number, the transaction date, and the transaction amount into a transaction verification code through the password, displaying the withdrawal amount and Withdrawal transaction 2D barcode.

Description

行動提款系統Mobile withdrawal system

本創作有關於電腦之領域,特別有關於一種行動提款系統。This creation is about the field of computers, especially about an action withdrawal system.

由於國人對於現金交易的依賴度高,自動提款機之提款業務是民眾經常需求的金融交易行為,據金管會統計,2017年11月底,全台銀行共設有2.8萬台ATM,以台灣2,357萬人口換算,平均每842人就擁有一台ATM,密度堪稱世界第一。Due to the high dependence of Chinese people on cash transactions, the withdrawal business of ATMs is a financial transaction that people often demand. According to the statistics of the Financial Management Association, at the end of November 2017, the Bank of Taiwan has a total of 28,000 ATMs in Taiwan. With an population of 2,357,000, an average of 842 people owns an ATM, and the density is the highest in the world.

然而隨著智慧型手機、資訊科技的發展及持卡人支付行為的改變,行動支付已成金融業者、第三方支付業者必爭之地,而行動提款已是金融機構對於自動提款機之提款業務之主要發展重點。However, with the development of smart phones, information technology and the changes in the payment behavior of cardholders, mobile payment has become a place for financial industry and third-party payment industry, and action withdrawals have been made by financial institutions for ATMs. The main development focus of the withdrawal business.

鑑於上述,本創作之目的在於提供一種行動提款系統,藉由自動提款機之軟體升級與新增如QR Code之二維條碼之掃描器,讓自動提款機與如智慧型手機之智慧型行動裝置進行互動式之行動提款作業,且由發卡行進行授權驗證作業,藉此完善行動提款作業機制,俾利快速、便利之提款功能,強化行動金融服務完整性。In view of the above, the purpose of this creation is to provide an action withdrawal system that allows ATMs and smart phones such as smart phones to be upgraded with software upgrades and new QR Code barcode scanners. The mobile device performs interactive action withdrawal operations, and the issuing bank performs authorization verification operations to improve the action withdrawal operation mechanism, and to facilitate the quick and convenient withdrawal function and strengthen the integrity of the mobile financial service.

本創作之態樣係提供一種行動提款系統,其包括: 一自動提款機,在接收到一代理行平台發送之一允許提款信號時根據一提款金額進行吐鈔,該自動提款機包括: 一第一觸控螢幕,顯示一輸入提款金額畫面及一提款二維條碼,輸入該提款金額在該輸入提款金額畫面上; 一第一掃描器,掃描一智慧型行動裝置顯示之一提款交易二維條碼;以及 一第一處理器,接收該允許提款信號,將該提款金額組譯成該提款二維條碼,解譯該第一掃描器所掃描之該提款交易二維條碼,以得到一金融卡帳號及一交易驗證碼(TAC),發送該金融卡帳號及該交易驗證碼(TAC)至該代理行平台;以及 該智慧型行動裝置,其包括: 一第二掃描器,掃描該第一觸控螢幕顯示之該提款二維條碼; 一第二處理器,解譯該提款二維條碼以得到該提款金額,將該金融卡帳號及該交易驗證碼(TAC)組譯成該提款交易二維條碼;以及 一第二觸控螢幕,設定該金融卡帳號及輸入該密碼,顯示該提款金額與該提款交易二維條碼。The aspect of the present invention provides an action withdrawal system, which comprises: an automatic teller machine, which dispenses money according to a withdrawal amount when receiving an allowable withdrawal signal sent by a proxy platform, the automatic withdrawal The machine comprises: a first touch screen, displaying an input withdrawal amount screen and a withdrawal 2D barcode, inputting the withdrawal amount on the input withdrawal amount screen; a first scanner, scanning a smart action The device displays one of the withdrawal transaction two-dimensional barcodes; and a first processor receives the allowed withdrawal signal, translates the withdrawal amount group into the withdrawal two-dimensional barcode, and interprets the scanned by the first scanner The withdrawal transaction is a two-dimensional barcode for obtaining a financial card account number and a transaction verification code (TAC), transmitting the financial card account number and the transaction verification code (TAC) to the agent bank platform; and the smart mobile device, The method includes: a second scanner, scanning the extracted two-dimensional barcode displayed on the first touch screen; and a second processor, interpreting the extracted two-dimensional barcode to obtain the withdrawal amount, and the financial card account And the transaction verification code (T The AC) group translates the two-dimensional bar code of the withdrawal transaction; and a second touch screen, sets the financial card account number and inputs the password, and displays the withdrawal amount and the two-dimensional bar code of the withdrawal transaction.

為使熟習本創作所屬技術領域之一般技藝者能更進一步了解本創作,下文特列舉本創作之較佳實施例,並配合所附圖式,詳細說明本創作的構成內容及所欲達成之功效。In order to make the present invention more familiar to those skilled in the art to which the present invention pertains, the preferred embodiments of the present invention are listed below, and the composition of the present invention and the desired effect are described in detail in conjunction with the drawings. .

圖1為本創作之行動提款系統之方塊圖。在圖1中,行動提款系統包括一自動提款機10及一智慧型行動裝置20。自動提款機10包括一處理器12、一觸控螢幕14及一掃描器16。智慧型行動裝置20包括一處理器22、一觸控螢幕24及一掃描器26。Figure 1 is a block diagram of the action withdrawal system of the present invention. In FIG. 1, the action withdrawal system includes an automatic teller machine 10 and a smart mobile device 20. The cash dispenser 10 includes a processor 12, a touch screen 14 and a scanner 16. The smart mobile device 20 includes a processor 22, a touch screen 24 and a scanner 26.

觸控螢幕14顯示一操作畫面(未圖示),在該操作畫面上具有一QR Code提款選項,提款者在該操作畫面中點選QR Code提款選項,以進行一行動提款作業。在點選QR Code提款選項後,觸控螢幕14上顯示一輸入提款金額畫面(未圖示)。The touch screen 14 displays an operation screen (not shown), and has a QR Code withdrawal option on the operation screen, and the cashier selects the QR Code withdrawal option in the operation screen to perform an action withdrawal operation. . After clicking the QR Code withdrawal option, an input withdrawal amount screen (not shown) is displayed on the touch screen 14.

當觸控螢幕14上顯示該輸入提款金額畫面時,提款者輸入一提款金額在輸入提款金額畫面上。處理器12接收到該提款金額後,處理器12將該提款金額、相應自動提款機10之一自動提款機機台代碼及自動提款機10所屬的銀行之一銀行名稱等資料組譯成一提款QR Code,再將該提款QR Code傳送至觸控螢幕14,而由觸控螢幕14顯示該提款QR Code。When the input withdrawal amount screen is displayed on the touch screen 14, the cashier inputs a withdrawal amount on the input withdrawal amount screen. After the processor 12 receives the withdrawal amount, the processor 12 adds the withdrawal amount, the automatic cash dispenser machine code of the corresponding cash dispenser 10, and the bank name of one of the banks to which the cash dispenser 10 belongs. The group is translated into a withdrawal QR Code, and the withdrawal QR Code is transmitted to the touch screen 14, and the withdrawal QR Code is displayed by the touch screen 14.

提款者開啟如智慧型手機之智慧型行動裝置20中之錢包app,而以智慧型行動裝置20之掃描器26掃描顯示於觸控螢幕14之提款QR Code,且由智慧型行動裝置20之處理器22解譯出提款QR Code中之提款金額、自動提款機機台代碼及銀行名稱等資料,而在觸控螢幕24顯示該等資料。The cashier app opens the wallet app in the smart mobile device 20 of the smart phone, and the scanner 26 of the smart mobile device 20 scans the withdrawal QR Code displayed on the touch screen 14 and is used by the smart mobile device 20. The processor 22 interprets the withdrawal amount in the withdrawal QR Code, the automatic teller machine code and the bank name, and displays the data on the touch screen 24.

提款者觀看觸控螢幕24顯示之提款金額、自動提款機機台代碼及銀行名稱等資料無誤後,提款者在觸控螢幕24上設定用以提款之一金融卡帳號及輸入相應該金融卡帳號之一密碼。處理器22透過密碼將金融卡帳號、交易日期、交易金額轉換成交易驗證碼(TAC),並將金融卡帳號及交易驗證碼(TAC)組譯成一提款交易QR Code,並在觸控螢幕24上顯示該提款交易QR Code。After the cashier displays the withdrawal amount displayed on the touch screen 24, the automatic teller machine code and the bank name, the cashier sets a financial card account and input for the withdrawal on the touch screen 24. Corresponding to one of the financial card accounts. The processor 22 converts the financial card account number, the transaction date, and the transaction amount into a transaction verification code (TAC) by using a password, and translates the financial card account number and the transaction verification code (TAC) group into a withdrawal transaction QR Code, and is in touch. The withdrawal transaction QR Code is displayed on the screen 24.

自動提款機10之掃描器16掃描智慧型行動裝置20之觸控螢幕24顯示之提款交易QR Code,自動提款機10之處理器12解譯提款交易QR Code以得到金融卡帳號及交易驗證碼(TAC),處理器12將金融卡帳號及交易驗證碼(TAC)發送至代理行平台30。The scanner 16 of the cash dispenser 10 scans the withdrawal transaction QR Code displayed by the touch screen 24 of the smart mobile device 20, and the processor 12 of the cash dispenser 10 interprets the withdrawal transaction QR Code to obtain the financial card account number and The transaction verification code (TAC), the processor 12 sends the financial card account number and the transaction verification code (TAC) to the agent line platform 30.

代理行平台30判斷所接收之金融卡帳號對應之銀行是否與代理行平台30對應之銀行相同,若金融卡帳號對應之銀行與代理行平台30對應之銀行相同,則代理行平台30驗證金融卡帳號及交易驗證碼(TAC)無誤後由代理行平台30發送一允許提款信號至自動提款機10。The agent bank platform 30 determines whether the bank corresponding to the received financial card account is the same as the bank corresponding to the agent bank platform 30. If the bank corresponding to the financial card account is the same as the bank corresponding to the agent bank platform 30, the agent bank platform 30 verifies the financial card. After the account number and transaction verification code (TAC) are correct, an allowable withdrawal signal is sent by the agent bank platform 30 to the cash dispenser 10.

若金融卡帳號對應之銀行與代理行平台30對應之銀行不相同,則代理行平台30將金融卡帳號及交易驗證碼(TAC)經由一跨行平台40發送至金融卡帳號對應之銀行之一發卡行平台50,發卡行平台50驗證金融卡帳號及交易驗證碼(TAC)無誤後由發卡行平台50經由跨行平台40發送該允許提款信號至代理行平台30,再由代理行平台30發送該允許提款信號至自動提款機10。If the bank corresponding to the financial card account is different from the bank corresponding to the agent platform 30, the agent platform 30 sends the financial card account number and the transaction verification code (TAC) to the bank corresponding to the financial card account via a cross-platform platform 40. The platform 50, the issuer platform 50 verifies that the financial card account number and the transaction verification code (TAC) are correct, and the card issuer platform 50 sends the allowable withdrawal signal to the agent line platform 30 via the interbank platform 40, and then the agent line platform 30 transmits the The withdrawal signal is allowed to the cash dispenser 10.

自動提款機10之處理器12在接收到代理行平台30發送之允許提款信號時,處理器12根據提款金額進行吐鈔以供提款者提領鈔票。此時,自動提款機10之觸控螢幕14顯示提款金額及提款時間等資料,並由處理器12將提款金額、提款日期及時間等資料發送至代理行平台30,且代理行平台30將提款金額、提款日期及時間等資料經由跨行平台40發送至發卡行平台50。When the processor 12 of the cash dispenser 10 receives the allowable withdrawal signal sent by the agent line platform 30, the processor 12 dispenses the money according to the withdrawal amount for the cashier to withdraw the banknote. At this time, the touch screen 14 of the cash dispenser 10 displays the withdrawal amount and the withdrawal time, and the processor 12 sends the withdrawal amount, the withdrawal date and time, and the like to the agent platform 30, and the agent The line platform 30 transmits the withdrawal amount, the withdrawal date and time and the like to the issuer platform 50 via the inter-bank platform 40.

圖2為本創作之行動提款方法之流程圖。在說明圖2之流程步驟時參考圖1之系統架構。Figure 2 is a flow chart of the action withdrawal method of the present invention. Referring to the system architecture of Figure 1, the process architecture of Figure 2 is illustrated.

在圖2中,當提款者在自動提款機10採用行動提款時,由提款者在自動提款機10觸控螢幕14顯示之操作畫面(未圖示)進行提款操作,在該操作畫面上具有一QR Code提款選項,由提款者在具有QR Code提款選項之操作畫面中點選QR Code提款選項,以進行一行動提款作業(步驟S60)。In FIG. 2, when the cashier uses the action withdrawal at the cash dispenser 10, the cash withdrawal operation is performed by the cashier on the operation screen (not shown) displayed on the touch screen 14 of the cash dispenser 10. The operation screen has a QR Code withdrawal option, and the cashier selects the QR Code withdrawal option in the operation screen with the QR Code withdrawal option to perform an action withdrawal operation (step S60).

提款者在點選QR Code提款選項後,由觸控螢幕14上顯示一輸入提款金額畫面(未圖示)。當上顯示該輸入提款金額畫面時,提款者在觸控螢幕14上輸入一提款金額於一輸入提款金額畫面上(步驟S62)。After the cashier selects the QR Code withdrawal option, the cash display screen displays an input withdrawal amount screen (not shown). When the input withdrawal amount screen is displayed, the cashier inputs a withdrawal amount on the touch screen 14 on the input withdrawal amount screen (step S62).

自動提款機10之處理器12接收到該提款金額後,由處理器12將該提款金額、相應自動提款機10之自動提款機機台代碼及自動提款機10所屬的銀行之銀行名稱等資料組譯成一提款QR Code(步驟S64),再將該提款QR Code傳送至觸控螢幕14,而由觸控螢幕14顯示該提款QR Code(步驟S66)。After receiving the withdrawal amount, the processor 12 of the cash dispenser 10, by the processor 12, the withdrawal amount, the automatic teller machine code of the corresponding automatic teller machine 10, and the bank to which the cash dispenser 10 belongs. The bank name and the like are translated into a withdrawal QR Code (step S64), and the withdrawal QR Code is transmitted to the touch screen 14, and the withdrawal QR Code is displayed by the touch screen 14 (step S66).

提款者開啟智慧型行動裝置20中之錢包app,由智慧型行動裝置20之掃描器26掃描顯示於觸控螢幕14之提款QR Code,且由智慧型行動裝置20之處理器22解譯出提款QR Code中之提款金額、自動提款機機台代碼及銀行名稱等資料,以在觸控螢幕24顯示該等資料(步驟S68)。The cashier opens the wallet app in the smart mobile device 20, and the scanner 26 of the smart mobile device 20 scans the withdrawal QR Code displayed on the touch screen 14 and is interpreted by the processor 22 of the smart mobile device 20. The withdrawal amount, the cash dispenser machine code, and the bank name in the withdrawal QR Code are displayed to display the data on the touch screen 24 (step S68).

提款者觀看觸控螢幕24顯示之提款金額、自動提款機機台代碼及銀行名稱等資料無誤後,由提款者在觸控螢幕24上設定用以提款之金融卡帳號及輸入相應該金融卡帳號之密碼。由處理器22將金融卡帳號及交易驗證碼(TAC)組譯成一提款交易QR Code,並在觸控螢幕24上顯示該提款交易QR Code(步驟S70)。After the cashier displays the withdrawal amount displayed on the touch screen 24, the automatic teller machine code and the bank name, etc., the cashier sets the financial card account and the input for the withdrawal on the touch screen 24. The password for the financial card account. The financial card account number and the transaction verification code (TAC) group are translated into a withdrawal transaction QR Code by the processor 22, and the withdrawal transaction QR Code is displayed on the touch screen 24 (step S70).

由自動提款機10之掃描器16掃描智慧型行動裝置20之觸控螢幕24顯示之提款交易QR Code,且由自動提款機10之處理器12解譯提款交易QR Code以得到金融卡帳號及交易驗證碼(TAC),由處理器12將金融卡帳號及交易驗證碼(TAC)發送至代理行平台30(步驟S72)。The scanner 16 of the cash dispenser 10 scans the withdrawal transaction QR Code displayed by the touch screen 24 of the smart mobile device 20, and the processor 12 of the cash dispenser 10 interprets the withdrawal transaction QR Code to obtain the financial transaction. The card account number and transaction verification code (TAC) are sent by the processor 12 to the agent bank platform 30 by the financial card account number and the transaction verification code (TAC) (step S72).

代理行平台30判斷金融卡帳號對應之銀行是否與代理行平台30對應之銀行相同,若金融卡帳號對應之銀行與代理行平台30對應之銀行相同,則代理行平台30驗證金融卡帳號及交易驗證碼(TAC)無誤後由代理行平台30發送一允許提款信號至自動提款機10,若代理行平台30驗證金融卡帳號及交易驗證碼(TAC)錯誤後則由代理行平台30發送一錯誤信號至自動提款機10(步驟S74)。The agent bank platform 30 determines whether the bank corresponding to the financial card account is the same as the bank corresponding to the agent bank platform 30. If the bank corresponding to the financial card account is the same as the bank corresponding to the agent bank platform 30, the agent bank platform 30 verifies the financial card account number and transaction. After the verification code (TAC) is correct, an allowable withdrawal signal is sent by the agent line platform 30 to the cash dispenser 10, and if the agent line platform 30 verifies the financial card account number and the transaction verification code (TAC) error, it is sent by the agent line platform 30. An error signal is sent to the cash dispenser 10 (step S74).

若金融卡帳號對應之銀行與代理行平台30對應之銀行不相同,則由代理行平台30將金融卡帳號及交易驗證碼(TAC)經由一跨行平台40發送至金融卡帳號對應之銀行之一發卡行平台50,由發卡行平台50驗證金融卡帳號及交易驗證碼(TAC)無誤後由發卡行平台50經由跨行平台40發送該允許提款信號至代理行平台30,再由代理行平台30發送該允許提款信號至自動提款機10;若發卡行平台50驗證金融卡帳號及交易驗證碼(TAC)錯誤後由發卡行平台50經由跨行平台40發送一錯誤信號至代理行平台30,再由代理行平台30發送該錯誤信號至自動提款機10。If the bank corresponding to the financial card account is different from the bank corresponding to the agent bank platform 30, the agent bank platform 30 sends the financial card account number and the transaction verification code (TAC) to the bank corresponding to the financial card account via a cross-platform platform 40. The issuing bank platform 50, after verifying the financial card account number and the transaction verification code (TAC) by the issuing bank platform 50, sends the allowed withdrawal signal to the agent line platform 30 via the interbank platform 40 by the issuing bank platform 50, and then the agent line platform 30 Sending the allowable withdrawal signal to the cash dispenser 10; if the issuer platform 50 verifies the financial card account number and the transaction verification code (TAC) error, the issuer platform 50 sends an error signal to the proxy platform 30 via the interline platform 40, The error signal is then sent by the agent line platform 30 to the cash dispenser 10.

自動提款機10之處理器12在接收到代理行平台30發送之允許提款信號時,由處理器12根據提款金額進行吐鈔以供提款者提領鈔票。此時,由自動提款機10之觸控螢幕14顯示提款金額及提款時間等資料,並由處理器12將提款金額、提款日期及時間等資料發送至代理行平台30,且由代理行平台30將提款金額、提款日期及時間等資料經由跨行平台40發送至發卡行平台50 (步驟S76);若自動提款機10之處理器12在接收到代理行平台30發送之錯誤信號時,由自動提款機10之觸控螢幕14顯示一操作錯誤訊息,以告知提款者重新設定金融卡帳號及輸入密碼。When the processor 12 of the cash dispenser 10 receives the allowable withdrawal signal sent by the agent line platform 30, the processor 12 dispenses the money according to the withdrawal amount for the cashier to withdraw the banknote. At this time, the touch screen 14 of the cash dispenser 10 displays the withdrawal amount and the withdrawal time, and the processor 12 sends the withdrawal amount, the withdrawal date and the time to the agent platform 30, and The information on the withdrawal amount, the withdrawal date and the time is sent by the agent bank platform 30 to the issuer platform 50 via the inter-bank platform 40 (step S76); if the processor 12 of the cash dispenser 10 receives the proxy line platform 30, When the error signal is received, an operation error message is displayed by the touch screen 14 of the cash dispenser 10 to inform the cashier to reset the financial card account number and input the password.

本創作係提供一種行動提款系統,其特點在藉由自動提款機之軟體升級與新增如QR Code之掃描器,讓自動提款機與智慧型行動裝置進行互動式之行動提款作業,且由發卡行進行授權驗證作業,藉此完善行動提款作業機制,俾利快速、便利之提款功能,強化行動金融服務完整性。This creative department provides an action withdrawal system featuring software upgrades with automatic cash dispensers and new scanners such as QR Code for interactive cash withdrawals with smart mobile devices. Authorized verification operations are carried out by the issuing bank to improve the action withdrawal mechanism, and to facilitate the quick and convenient withdrawal function and strengthen the integrity of the mobile financial service.

雖然本創作已參照較佳具體例及舉例性附圖敘述如上,惟其應不被視為係限制性者。熟悉本技藝者對其形態及具體例之內容做各種修改、省略及變化,均不離開本創作之請求項之所主張範圍。Although the present invention has been described above with reference to preferred embodiments and exemplary drawings, it should not be considered as limiting. A person skilled in the art will be able to make various modifications, omissions and changes to the details of the present invention and the specific examples thereof without departing from the scope of the claims of the present invention.

10‧‧‧自動提款機10‧‧‧Automatic Teller Machine

12‧‧‧處理器 12‧‧‧ Processor

14‧‧‧觸控螢幕 14‧‧‧ touch screen

16‧‧‧掃描器 16‧‧‧Scanner

20‧‧‧智慧型行動裝置 20‧‧‧Smart mobile device

22‧‧‧處理器 22‧‧‧ Processor

24‧‧‧觸控螢幕 24‧‧‧ touch screen

26‧‧‧掃描器 26‧‧‧Scanner

30‧‧‧代理行平台 30‧‧‧Accounting platform

40‧‧‧跨行平台 40‧‧‧Interlaced platform

50‧‧‧發卡行平台 50‧‧‧ Issuer Platform

圖1為本創作之行動提款系統之方塊圖;以及 圖2為本創作之行動提款方法之流程圖。Figure 1 is a block diagram of the action withdrawal system of the present invention; and Figure 2 is a flow chart of the action withdrawal method of the present invention.

Claims (4)

一種行動提款系統,其包括: 一自動提款機,在接收到一代理行平台發送之一允許提款信號時根據一提款金額進行吐鈔,該自動提款機包括: 一第一觸控螢幕,顯示一輸入提款金額畫面及一提款二維條碼,輸入該提款金額在該輸入提款金額畫面上; 一第一掃描器,掃描一智慧型行動裝置顯示之一提款交易二維條碼;以及 一第一處理器,接收該允許提款信號,將該提款金額組譯成該提款二維條碼,解譯該第一掃描器所掃描之該提款交易二維條碼,以得到一金融卡帳號及一交易驗證碼(TAC),發送該金融卡帳號及該交易驗證碼(TAC)至該代理行平台;以及 該智慧型行動裝置,其包括: 一第二掃描器,掃描該第一觸控螢幕顯示之該提款二維條碼; 一第二處理器,解譯該提款二維條碼以得到該提款金額,將該金融卡帳號及該交易驗證碼(TAC)組譯成該提款交易二維條碼;以及 一第二觸控螢幕,設定該金融卡帳號及輸入該密碼,顯示該提款金額與該提款交易二維條碼。An action withdrawal system, comprising: an automatic teller machine, when receiving an allowable withdrawal signal sent by a proxy line platform, dispensing money according to a withdrawal amount, the automatic cash dispenser comprising: a first touch Control screen, displaying an input withdrawal amount screen and a withdrawal 2D barcode, inputting the withdrawal amount on the input withdrawal amount screen; a first scanner scanning a smart mobile device to display one withdrawal transaction a two-dimensional barcode; and a first processor, receiving the allowed withdrawal signal, translating the withdrawal amount group into the withdrawal two-dimensional barcode, and interpreting the two-dimensional barcode of the withdrawal transaction scanned by the first scanner Receiving a financial card account number and a transaction verification code (TAC), transmitting the financial card account number and the transaction verification code (TAC) to the agent bank platform; and the smart mobile device, comprising: a second scanner Scanting the extracted two-dimensional barcode displayed on the first touch screen; a second processor interpreting the extracted two-dimensional barcode to obtain the withdrawal amount, the financial card account number and the transaction verification code (TAC) ) group translation into the withdrawal transaction a two-dimensional barcode; and a second touch screen, setting the financial card account number and inputting the password, and displaying the withdrawal amount and the two-dimensional barcode of the withdrawal transaction. 如請求項1之行動提款系統,其中,該提款二維條碼包括該提款金額、一自動提款機機台代碼及該自動提款機所屬之一銀行名稱之資料。The action withdrawal system of claim 1, wherein the withdrawal two-dimensional barcode comprises the withdrawal amount, an automatic teller machine code, and information of a bank name to which the cash dispenser belongs. 如請求項1之行動提款系統,其中,該第一觸控螢幕顯示一操作畫面,而在該操作畫面中點選一二維條碼提款選項,以在該第一觸控螢幕上顯示該輸入提款金額畫面。The action withdrawal system of claim 1, wherein the first touch screen displays an operation screen, and a two-dimensional barcode withdrawal option is selected in the operation screen to display the first touch screen. Enter the withdrawal amount screen. 如請求項1之行動提款系統,其中, 該代理行平台,判斷該金融卡帳號對應之銀行是否與該代理行平台對應之銀行相同,若該金融卡帳號對應之銀行與該代理行平台對應之銀行相同,則該代理行平台驗證該金融卡帳號及該交易驗證碼(TAC)無誤後由該代理行平台發送一允許提款信號至該自動提款機,若該金融卡帳號對應之銀行與該代理行平台對應之銀行不相同,則該代理行平台將該金融卡帳號及該交易驗證碼(TAC)經由一跨行平台發送至該金融卡帳號對應之銀行之一發卡行平台,該發卡行平台驗證該金融卡帳號及該交易驗證碼(TAC)無誤後由該發卡行平台經由該跨行平台發送該允許提款信號至該代理行平台,再由該代理行平台發送該允許提款信號至該自動提款機。The action withdrawal system of claim 1, wherein the agent bank determines whether the bank corresponding to the financial card account is the same as the bank corresponding to the agent bank platform, and if the bank corresponding to the financial card account corresponds to the agent bank platform If the bank is the same, the agent bank platform verifies the financial card account number and the transaction verification code (TAC) is correct, and the agent bank platform sends an allowable withdrawal signal to the cash dispenser, if the bank card corresponding to the financial card account The bank corresponding to the agent bank platform is different, and the agent bank platform sends the financial card account number and the transaction verification code (TAC) to an issuer platform of the bank corresponding to the financial card account via an inter-bank platform, and the card is issued. After the platform verifies that the financial card account number and the transaction verification code (TAC) are correct, the issuing bank sends the allowed withdrawal signal to the proxy platform via the inter-bank platform, and then the allowed withdrawal signal is sent by the proxy platform. To the cash dispenser.
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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI671715B (en) * 2018-07-24 2019-09-11 財金資訊股份有限公司 Mobile withdrawal system and method, computer readable recording medium and computer program product

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI671715B (en) * 2018-07-24 2019-09-11 財金資訊股份有限公司 Mobile withdrawal system and method, computer readable recording medium and computer program product

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