TWM569016U - Debit authorization system - Google Patents

Abstract

A debit authorization system includes an automated teller machine that belongs to a bank and stores a first bank code, and a server that stores at least a plurality of first customer data. The ATM reads a wafer card issued by a target bank and corresponding to a user, and obtains at least a target bank code, and generates an authorization request by a human operation, and determines that the target bank code matches the first A bank code transmits the authorization request to the bank's server and outputs a prompt message related to the content of the authorization application filed with the bank. The server generates and stores an authorization result according to the authorization request, and transmits the authorization result to a user end corresponding to the user for display, and transmits the authorization result to an enterprise server. For its storage.

Description

Debit authorization system

The present invention relates to an authorization system, and more particularly to a debit authorization method and system.

The payer can choose to have the payee pay a recurring fee, such as insurance premiums, telecommunications charges, loans, cable television fees, government agency fees, etc., in a manner that has been debited by the bank account authorized by the payer.

The existing debit authorization method is that the payer uses a personal computer to connect to the enterprise server, and uses the card reader connected to the personal computer to read the card information, and then connects to the electronic exchange of the clearing house via the enterprise server. Electronic Direct Debit Authorisation (eDDA) for transmitting the card information and the authorization target (for example, insurance premium) to the electronic authorization system via the enterprise server, so that the electronic authorization system is transmitted to the bank to which the payer belongs On the server side, after receiving the card information, the server server transmits a core message to the personal computer through the electronic authorization system and the enterprise server in sequence until it is determined that the card information is legal. It shows that the user can know that the authorization is successful.

However, such a debit authorization method has at least the following drawbacks: (1) Each time the authorization method is executed, the data processing must be performed by the enterprise server, and the confidential information must be transmitted between the enterprise server and the bank server via the electronic authorization system of the clearing house. The nodes are relatively large and time-consuming, and the hardware performance of each enterprise server is inconsistent, the performance is difficult to stabilize, and the operation process is very verbose, the waiting time is an average of 1.5 minutes; (2) the enterprise server provides only one official website entrance, in the same Time can only allow a certain number of PCs to connect to perform the authorization process; and (3) The website provided by the enterprise server is an open environment, and the quality of the PC and card reader operated by the payer is inconsistent. Risk of data leakage.

Accordingly, it is an object of the present invention to provide a debit authorization system that overcomes at least one of the deficiencies of the prior art.

Therefore, the new type of debit authorization system is adapted to communicate with a user terminal corresponding to a user and a plurality of enterprise server terminals respectively corresponding to a plurality of different enterprises via a first communication network, and the system includes an automatic ATM and a server. The ATM belongs to a first bank, has a user input and output interface, and stores a first bank code corresponding to the first bank. The server communicates with the ATM via a second communication network, and communicates with the enterprise server via the first communication network, and stores a comparison table and a plurality of first customer data, the comparison table includes a plurality of Corresponding to the enterprise identification information of these enterprises, multiple An identity identifier, and a plurality of authorization targets, each enterprise identification information corresponding to at least one of the identity identifiers and each identity identifier corresponding to at least one of the authorization targets, each first customer profile has a card identification information corresponding to a wafer card issued by the first bank to the first bank, a bank account number issued by the first bank to the customer, and a unique identification corresponding to the customer Code; the ATM reads a chip card issued by a target bank and corresponding to the user, and obtains a target card identification information corresponding to the chip card, a target bank code corresponding to the target bank, and a target bank account issued by the target bank and corresponding to the user; the automatic teller machine generates a request for authorization by a human operation, and transmits the request for the authorization target to the server of the bank, the request for the authorization target includes a unique Corresponding to the user's target identity code and a target corporate identity that uniquely corresponds to one of the target companies of the enterprise Information; the service server responds to the request for the authorization target, and transmits an authorization according to the target identity code included in the authorization target request, the target enterprise identification information, and the comparison table stored by the Bank server. The target data is output to the automated teller machine for output by the automated teller machine, the authorization target data includes at least one reference authorization target of the authorization target that the comparison table has, and the corresponding comparison table of each reference authorization target has the The enterprise identification information and the identity identifier respectively correspond to the target enterprise identification information and the target identity identification included in the request for the authorization target The automatic teller machine manually operates the at least one reference authorization target as a target authorization target, and generates a target enterprise identification information, the target identity identification code, the target bank account number, and the target including the target authorization target The authorization request of the card identification information; the automatic teller machine transmits the authorization request to the server of the bank when determining that the target bank code matches the first bank code stored by itself; the server responds to the authorization Determining, determining, by the authorization request, the target identity identifier, the target card identification information, whether the target bank account number matches the card of one of the first customer profiles stored by the Bank server Identifying information, the bank account number, and the identity identification code, and generating and storing an authorization result indicating the determination result according to the determination result, and transmitting the authorization result to the user terminal for display thereof, and The authorization result is transmitted to the enterprise servo corresponding to the target enterprise identification information according to the target enterprise identification information. For its storage.

In some implementations of the debit authorization system, when the ATM determines that the target bank code matches the first bank code stored by itself, the ATM not only transmits the authorization request to the server, but also A first prompt message is output, the first prompt message containing at least content related to an authorization application that has been filed with the first bank.

In some implementations of the debit authorization system, the authorization request further includes a communication data corresponding to the user, and the service server transmits the authorization result to the user end according to the communication data.

In some implementations of the debit authorization system, the server of the Bank is further adapted to communicate with a ticket exchange server and a plurality of other server servers belonging to the plurality of second banks via the first communication network. Communication, each of the server stores a plurality of second customer data, each of the second customer data having a corresponding one of the customers issued by the second bank to which the other bank belongs to the second bank Card identification information of the chip card, a bank account number issued by the second bank to the customer, and a identity identifier uniquely corresponding to the customer, wherein: the ATM further comprises a plurality of second banks respectively corresponding to the second bank The second bank code; when the ATM determines that the target bank code matches one of the second bank codes, the authorization request is transmitted to the ticket exchange server, so that the ticket server server is based on The target bank code transmits the authorization request received from the automated teller machine to one of the other side server servers corresponding to the target bank code, and outputs a second prompt Interest rates, at least the second prompt message contains content submitted for authorization to the second bank has corresponding to the target bank code; the target server end of his line in response to the authorization request, the judge authorized to please And determining, by the target identity identifier, the target card identification information, whether the target bank account number is consistent with the card identification information of one of the second customer profiles stored by the target server, a bank account number and the identity identifier, and generating and storing an authorization result indicating the determination result according to the determination result, and transmitting the authorization result to the server of the bank; and When receiving the authorization result from the target server of the target, the server of the Bank transmits the authorization result to the user terminal for display, and transmits the authorization result to the corresponding enterprise identification information according to the target The target enterprise identifies the information of the enterprise server for storage.

In some implementations of the debit authorization system, when the ATM determines that the target bank code matches the second bank code stored by itself, the ATM not only transmits the authorization request to the ticket exchange server, but also Further outputting a second prompt message, the second prompt message includes at least content related to an authorization request that has been made to the second bank corresponding to the target bank code.

In some implementations of the debit authorization system, the second communication network is an internal network.

In some implementations of the debit authorization system, the comparison table stored by the Bank server further has a plurality of authorization category items, and each authorization category item corresponds to at least one of the enterprise identification information.

A further object of the present invention is to provide a deduction authorization system capable of Overcoming at least one of the deficiencies of the prior art.

A debit authorization system is adapted to communicate with a user terminal corresponding to a user and a plurality of enterprise server terminals respectively corresponding to a plurality of different enterprises via a first communication network, the system comprising an automatic teller machine and a copy Line server. The automatic teller machine belongs to a first bank, has a user input and output interface, and stores a first bank code corresponding to the first bank and a comparison table, and the comparison table includes a plurality of corresponding ones respectively corresponding to the first bank An enterprise identification information, a plurality of identity identifiers, and a plurality of authorization targets, each enterprise identification information corresponding to at least one of the identity identifiers and each identity identifier corresponding to at least one of the authorization targets . The server of the Bank communicates with the ATM via a second communication network, and communicates with the enterprise server via the first communication network, and stores a plurality of first customer data, each of the first customer data has one Card identification information corresponding to a wafer card of a customer issued by the first bank to the first bank, a bank account number issued by the first bank to the customer, and a identity identifier uniquely corresponding to the customer ; The ATM reads a wafer card issued by a target bank and corresponding to the user, and obtains a target card identification information corresponding to the wafer card, a target bank code corresponding to the target bank, and a The target bank account number issued by the target bank and corresponding to the user; The automatic teller machine generates a request for authorization by a human operation, and the request for the authorization target includes a target identification code uniquely corresponding to the user and a target enterprise identification information that uniquely corresponds to one of the target companies of the enterprises; The automated teller machine outputs an authorization target data according to the target identity identifier, the target enterprise identification information, and the comparison table stored by the service server according to the request of the authorization target, and the authorization target data includes the comparison At least one of the authorization targets of the table has reference to the authorization target, and the enterprise identification information and the identity identification code of the corresponding comparison table of each reference authorization target respectively meet the target included in the authorization target request Enterprise identification information and the target identity code; The automatic teller machine manually operates the at least one reference authorization target as a target authorization target, and generates a target enterprise identification information, the target identity identification code, the target bank account number, and the target card identification including the target authorization target. Authorization request for information; When the automatic teller machine determines that the target bank code matches the first bank code stored by itself, the automatic teller machine transmits the authorization request to the server of the bank; The server of the Bank responds to the authorization request, and determines whether the target identity identifier, the target card identification information, and the target bank account number included in the authorization request are consistent with the first client stored by the Bank server. The card identification information, the bank account number, and the identity identification code of the data, and generating and storing an authorization result including the determination result according to the determination result, and the authorization result is corresponding to the use according to the The communication data of the terminal is transmitted to the user terminal for And displaying the authorization result according to the target enterprise identification information to the enterprise server corresponding to the target enterprise identification information for storage.

The effect of the novel is that the process of transmitting data by the ticket server and the other server can be selectively omitted, which is relatively time-saving and stable, and the average waiting time is only about 30 seconds.

100‧‧‧deduction authorization system

1‧‧‧Automatic Teller Machine

11‧‧‧User input and output interface

2‧‧‧The Bank's server

31‧‧‧First communication network

32‧‧‧Second communication network

200‧‧‧User side

300‧‧‧Enterprise server

400‧‧‧ ticket office server

500‧‧‧He is on the server side

P ₁ ‧‧‧First Bank Code

P ₂ ‧‧‧Second Bank Code

T‧‧‧ comparison table

T ₁ ‧‧‧ Authorized category project

T ₂ ‧‧‧Corporate Identification Information

T ₃ ‧‧‧ID

T ₄ ‧ ‧ authorized target

D ₁ ‧‧‧First Customer Information

D ₁₁ ‧‧‧Card identification information

D ₁₂ ‧‧‧Bank account number

D ₁₃ ‧‧‧Identity Identification Number

D ₂ ‧‧‧Second customer data

D ₂₁ ‧‧‧Card identification information

D ₂₂ ‧‧‧Bank account number

D ₂₃ ‧‧‧Identity Identification Number

S1~S8‧‧‧Steps

S61~S64‧‧‧Steps

S81~S86‧‧‧ steps

Other features and effects of the present invention will be apparent from the following description of the drawings. FIG. 1 is a block diagram illustrating an embodiment of the present type of deduction authorization system; FIG. 2 is a flow chart. A deduction authorization method executed in this embodiment will be described; FIG. 3 is a flowchart illustrating step S6 of FIG. 2; and FIG. 4 is a flowchart illustrating step S8 of FIG.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same reference numerals.

Referring to Figures 1 and 2, an embodiment of the present type of debit authorization system 100 includes a plurality of automated teller machines 1 belonging to a first bank and a home belonging to the first bank via a second communication network 32 and the automatic The server side of the Bank 1 communication. In this embodiment, the second communication network 32 is an internal network belonging to the first bank.

The automated teller machine 1 includes, for example having a display screen, keyboard and print modules user input and output interface 11, and stores a first bank corresponding to the first bank and a plurality of code P ₁ corresponding to the plurality The second bank code P ₂ of the second bank different from each other. For example, the first bank is, for example, "Bank A", and the second banks are, for example, "B Bank" and "C Bank".

The server 2 of the Bank stores a comparison table T and a plurality of first customer data D ₁ . The comparison table T includes a plurality of authorization category items T ₁ , a plurality of enterprise identification information T ₂ corresponding to a plurality of different enterprises, a plurality of identity identification codes T ₃ , and a plurality of authorization targets T ₄ . In the present embodiment, the authorized category items T ₁ include, for example, "telecom charges", "credit card fees", "gas charges" and the like, but are not limited thereto. The enterprise identification information T ₂ includes, for example, enterprise identification information corresponding to a company such as a telecommunications company, a telecommunications company, a telecommunications company, a Ding electric power company, a pen e credit card enterprise, and the like, in this embodiment, each enterprise identification information T ₂ For example, it is stored in the form of an identification code, but is not limited thereto. Each identity code T _{3 is,} for example, an identity card number.

In this embodiment, each authorized category item T ₁ corresponds to at least one of the enterprise identification information T ₂ , for example, the authorization category item T ₁ corresponding to the “telecom fee” corresponds to a telecommunications enterprise, B telecommunications Enterprise identification information T ₂ of enterprises and C telecommunications companies. In this embodiment, each enterprise identification information T ₂ corresponds to at least one of the identity identification codes T ₃ , for example, the identity identification code T ₃ corresponding to the enterprise identification information T _{2 of} the telecommunications enterprise. For example, the identity card number "T123144354" including Wang Xiaoming and other identity cards belonging to A Telecom are counted as 100,000. Each identity identification code T ₃ correspond to those authorized target T ₄ in which at least one, for example, corresponds to Xiaoming identity identifier T ₃ ( "T123144354") authorized the subject of T ₄ contains, for example Xiaoming registered in Chunghwa Telecom The three groups of telephone numbers are "0911111111", "0922222222" and "0933333333".

Each first customer profile D ₁ has a card identification information D ₁₁ corresponding to a wafer card issued by the first bank to a customer of the first bank, and a bank account issued by the first bank to the customer D ₁₂ , and a unique identification code D ₁₃ corresponding to the customer. For example, one of the first customer data D ₁ corresponds to Wang Xiaoming, that is, Wang Xiaoming is a customer of the first bank, so the identity ID D13 of the first customer data D _{1 is} the identity of Wang Xiaoming. The test number is "T123456789".

In this embodiment, the server 2 is adapted to be connected to a user terminal 200 corresponding to a user and, for example, a smart phone, via a first communication network 31, and a plurality of servers respectively corresponding to the enterprises. The enterprise server 300, for example, a ticket office server 400 belonging to the Taiwan Clearinghouse, and a plurality of other server servers 500 belonging to the second bank respectively communicate. In this embodiment, the first communication network 31 is, for example, an external network that is not attributable to the first bank. He each row storing a plurality of servo pen second end 500 of customer data D _2, D ₂ per second with a customer information corresponding to the second bank by the second bank to the other bank server end 500 issued to the home The card identification information D ₂₁ of a customer's wafer card, a bank account number D ₂₂ issued by the second bank to the customer, and an identity code D ₂₃ uniquely corresponding to the customer. An example of each second customer profile D ₂ is similar to the instance of the first customer profile D ₁ and will not be described again herein.

In this embodiment, the chip card is, for example, a financial card, and each card identification information D ₁₁ (D ₂₁ ) is, for example, a card number of the financial card, an IC transaction serial number, or a signature data TAC, and is not limited thereto.

1 to 4 will be described below to explain how the embodiment performs a debit authorization method.

First, in step S1, one of the automated teller machines 1 (hereinafter referred to as the automated teller machine 1) reads a wafer card issued by a target bank and corresponding to the user, and obtains a corresponding chip card. The target card identification information, a target bank code corresponding to the target bank, and a target bank account number issued by the target bank and corresponding to the user.

In step S2, the automated teller machine 1 generates a request for authorization by human operation. The authorization target request includes a target identity identifier uniquely corresponding to the user and a target enterprise identification information uniquely corresponding to one of the target enterprises of the enterprises. For example, continuing the previous example, the ATM 1 reads the financial card issued by Wang Xiaoming and issued by Bank A (the target bank), and after Wang Xiaoming's operation, an identity card containing Wang Xiaoming (ie, the target) The identity identification code and the enterprise identification code (target enterprise identification information) corresponding to the A telecommunications company are transmitted to the server 2 of the bank.

Then, in step S3, the service server 2 responds to the request for the authorization target, according to the target identity identifier included in the request for the authorization target, the target enterprise identification information, and the stored by the server 2 Referring to the table T, selecting at least one of the authorization targets T ₄ of the authorization table T from the comparison table T, and the reference identification target corresponding to the enterprise included in the comparison table T The identification information T ₂ and the identity identification code T ₃ respectively correspond to the target enterprise identification information and the target identity identifier included in the request for the authorization target, so as to generate an authorization target data, and transmit the authorization target information to the automatic teller machine. 1 for display by the ATM 1. Continuing the previous example, the automatic teller machine 1 displays three sets of telephone numbers "0911111111" and "0922222222" corresponding to the enterprise identification code of the telecommunications company and corresponding to the Wang Xiaoming identity card number according to the authorization target data received from the service terminal 2 of the bank. And "0933333333" (ie three reference authorizations).

Then, in step S4, the automated teller machine 1 manually operates the at least one reference authorization target as a target authorization target, and generates a target enterprise identification information, the target identity identification code, the target bank including the target authorization target. The account number, the target card identification information, and an authorization request corresponding to a communication material of the user. Continuing the previous example, the ATM 1 is operated by Wang Xiaoming, for example, "0911111111" is used as the target authorization target, and Wang Xiaoming's mobile phone number is used as the communication material. In other implementations, the communication data is not limited to the mobile phone number, for example, it may be an email address or the like.

In addition, in other implementations, the comparison table T can also be It is stored in the ATM 1 so that the ATM 1 can generate and display the authorization target data according to the authorization target and the comparison table T stored by itself, without transmitting the authorization target request to the server. 2.

Next, in step S5, the automated teller machine 1 determines whether the target bank code matches the first bank code P ₁ stored by itself. When the automatic teller machine 1 judges that the target bank code matches the first bank code P ₁ stored by itself, the flow advances to step S6, and the system executes a line authorization program. Continuation of the previous example, the automated teller machine 1 is judged from _one and the same obtained Xiaoming inserted by the object code that the bank A chip card issued by the bank and the first bank code P, so the flow proceeds to step S6.

Referring to FIG. 3, in the authorization procedure of the Bank, first, in step S61, the automated teller machine 1 transmits the authorization request to the server 2 of the bank, and outputs a first prompt message, for example, at least the first prompt message. Contains content related to an application for authorization to the first bank. Continuing the previous example, the first prompt message printed or displayed on the ATM 1 includes, for example, the target bank account number, "0911111111" (ie, the authorized subject), "Bank A" (ie, the first bank), and "deduction". The authorization application has been completed and the authorization result will be notified by text message.

Then, in step S62, the bank server 2 determines (verifies) the target identity identifier, the target card identification information, and the target bank account number of the authorization request in response to the authorization request. such data D ₁ wherein the first client by a server 2 has stored identification information of the card, the bank account number, and that the identity identifier. Then, in step S63, the bank server 2 generates and stores an authorization result indicating the determination result based on the judgment result. Then, in step S64, the service server 2 transmits the authorization result to the user terminal 200 for display according to the communication data, and transmits the authorization result to the target enterprise according to the target enterprise identification information. The enterprise server 300 that identifies the information is available for storage. Continuing the previous example, the authorization result indicates that the authorization is successful, and the server 2 (ie, the server belonging to the bank A) and the server corresponding to the telecommunications enterprise (and the enterprise server of the target enterprise identification information) 300) storing the authorization result, whereby the server of the telecommunications company can transmit a request for deduction of the telecommunication fee corresponding to the mobile phone number of "0911111111" to the book according to the authorization result, for example, at a predetermined time. The server 2 is used for debiting. In addition, the user terminal 200 held by Wang Xiaoming shows, for example, that "Bank A has successfully (or unsuccessfully) authorized automatic debiting of your mobile phone door number 0911111111".

It should be noted that the method does not need to perform the first authorization procedure by the ticket office server 400 and the other server terminals 500. Compared with the prior art, the nodes are relatively few, so there is a relative province. The advantage of time.

On the other hand, when the ATM 1 determines that the target bank code does not match the first bank code P ₁ stored by itself, the ATM 1 determines whether the target bank code matches the second bank, as in step S7. One of the codes P ₂ . When the ATM 1 determines that the target bank code matches one of the second bank codes P ₂ , the flow proceeds to step S8, and the system performs a combination with the ticket office server 400 and the other server terminals 500. He authorized the program. Referring to FIG. 3, in the other authorization procedure, first, in step S81, the automated teller machine 1 transmits the authorization request to the ticket office server 300 and outputs a second prompt message, the second prompt message includes at least The content related to the debit authorization application that has been filed with the second bank corresponding to the target bank code. In this embodiment, the second prompt message also includes text content similar to the first prompt message, and details are not described herein again.

Then, in step S82, the ticket office server 400 transmits the authorization request received from the automated teller machine 1 to the other server server 500 according to the target bank code, and one of the targets corresponding to the target bank code Servo terminal.

Then, in step S83, the target server sends a response to the authorization request, and determines whether the target identity identifier, the target card identification information, and the target bank account number of the authorization request match the target server. The stored card identification information D ₂₁ , the bank account number D ₂₂ , and the identity identification code D _{23 of} one of the stored second customer data D ₂ . Then, in step S84, the target other server generates and stores an authorization result indicating the determination result according to the determination result. Then, in step S85, the target other server sends the authorization result to the server 2 of the bank.

Finally, in step S86, when the server 2 receives the authorization result from the target server, the server 2 transmits the authorization result according to the communication data. The user terminal 200 is displayed for display, and the authorization result is transmitted to the enterprise server 300 corresponding to the target enterprise identification information for storage according to the target enterprise identification information.

It should be noted that the user can see that the authorization application has been completed after seeing the first/second prompt message displayed or printed by the automatic teller machine 1, and then the user can display through the user terminal 200 even if the user leaves the automatic teller machine 1. The authorization result is to know whether the authorization is successful. In other words, the user does not need to wait for the part of steps S62 to S64 in the authorization procedure of the bank or the steps S82 to S86 in the authorization procedure of the bank before the ATM 1 In the prior art, users need to wait for authorization results in front of a personal computer, which has the advantage of being relatively convenient.

It should be noted that, in this embodiment, the communication data is input by the user when the automatic teller machine 1 generates the authorization target request (step S2) by the user, but is not limited thereto. In other implementations, each of the first customer data D ₁ and each of the second customer data D ₂ further has a corresponding communication data, so that the authorization target request does not need to include the communication data, and Bank authorization process, the bank server 2 may transmit the communication data according to the pen identification code corresponding to the identity of the target of the first client data D ₁ included in the authorization result to the user terminal 200 for display On the other hand, in the other authorization procedure, the other server 500 may include the communication information included in the second customer data D ₂ corresponding to the target identification code in the authorization result, The server 2 can cause the authorization result to be transmitted to the user terminal 200 for display according to the communication data included in the authorization result.

In summary, the embodiment can selectively omit the process of transmitting data by the ticket office server 400 and the other server terminals 500, which is relatively time-saving and stable, and the average waiting time is only about 30 seconds. . Moreover, the automatic teller machine 1 can display the message that the debit authorization request has been filed (ie, the first/second prompt message) when the authorization request is transmitted, thereby prompting the user that the application for the deduction authorization has been completed. The user can then obtain the authorization result via the user end 200 of the user without waiting in front of the ATM 1, which is relatively convenient to use. In addition, the ATM 1 and the server 2 of the Bank communicate with each other via an internal network, and the security for personal protection is relatively high.

However, the above is only the embodiment of the present invention, and when it is not possible to limit the scope of the present invention, all the simple equivalent changes and modifications according to the scope of the patent application and the contents of the patent specification are still This new patent covers the scope.

Claims (8)

A debit authorization system is adapted to communicate with a user terminal corresponding to a user and a plurality of enterprise server terminals respectively corresponding to a plurality of different enterprises via a first communication network, the system comprising: an automatic teller machine, belonging a first bank having a user input/output interface and storing a first bank code corresponding to the first bank; and a server terminal communicating with the ATM via a second communication network, and Communicating with the enterprise server via the first communication network, and storing a comparison table and a plurality of first customer data, the comparison table comprising a plurality of enterprise identification information corresponding to the enterprises, a plurality of identity identification codes, And a plurality of authorization targets, each enterprise identification information corresponding to at least one of the identity identification codes and each identity identification code corresponding to at least one of the authorization targets, each of the first customer profiles having a corresponding one Card identification information of a chip card issued by the first bank to the first bank, a bank account number issued by the first bank to the customer, a unique identifier corresponding to the customer; wherein the automated teller machine reads a wafer card issued by a target bank and corresponding to the user, and obtains a target card identification information corresponding to the wafer card, Corresponding to the target bank code of the target bank, and a target bank account number issued by the target bank and corresponding to the user; wherein the ATM generates a request for authorization by human operation and transmits the request for the authorization target The Bank's server, the authorization target The request includes a target identity identifier uniquely corresponding to the user and a target enterprise identification information uniquely corresponding to one of the target enterprises of the enterprise; wherein the server responds to the authorization target request according to the authorization target The target identity identifier included in the request, the target enterprise identification information, and the comparison table stored by the service server of the bank, and an authorization target data is transmitted to the automatic teller machine for output by the automatic teller machine, and the authorization target information includes At least one of the authorization targets of the comparison table refers to the authorization target, and the enterprise identification information and the identity identification code of the corresponding comparison table of each reference authorization target respectively correspond to the content included in the authorization target request. The target enterprise identification information and the target identity identifier; wherein the automated teller machine manually operates the at least one reference authorization target as a target authorization target, and generates a target enterprise identification information including the target authorization target, the target Identity ID, the target bank account number, and the target card The authorization request of the information; wherein the automatic teller machine transmits the authorization request to the server of the bank when determining that the target bank code matches the first bank code stored by the server; wherein the server responds Determining, by the authorization request, the target identity identifier included in the authorization request, the target card identification information, whether the target bank account number is consistent with one of the first customer profiles stored by the Bank server The card identification information, the bank account number, and the identity identifier, and generate and store a result according to the determination result The authorization result of the determination result is included, and the authorization result is transmitted to the user terminal for display according to a communication data corresponding to the user end, and the authorization result is transmitted according to the target enterprise identification information to the corresponding The enterprise server that identifies the information to the target company for storage. The debit authorization system of claim 1, wherein the automatic teller machine not only transmits the authorization request to the server of the bank when determining that the target bank code matches the first bank code stored by itself, Further outputting a first prompt message, the first prompt message includes at least content related to an authorization application that has been submitted to the first bank. The debit authorization system of claim 1, wherein the authorization request further includes the communication data corresponding to the user, and the server of the bank transmits the authorization result to the user end according to the communication data. The debit authorization system according to any one of claims 1 to 3, wherein the server of the Bank is further adapted to be connected to a ticket exchange server and a plurality of second banks respectively via the first communication network. The server communicates with each other, and each of the other server stores a plurality of second customer data, and each of the second customer data has a corresponding one corresponding to the second bank to which the other server belongs to the second bank. Card identification information of a customer's wafer card, a bank account number issued by the second bank to the customer, and a identity identifier uniquely corresponding to the customer, wherein: the automated teller machine further includes a plurality of corresponding to the Waiting for the second bank code of the second bank; when the ATM determines that the target bank code matches one of the second bank codes, transmitting the authorization request to the ticket exchange servo Ending, so that the ticket exchange server transmits the authorization request received from the automatic teller machine to the other server of the other bank server according to the target bank code; the target server corresponding to the target bank code; the target The server sends a response to the authorization request, and determines whether the target identity identifier, the target card identification information, and the target bank account number of the authorization request are consistent with the second client stored by the target server. The card identification information, the bank account number, and the identity identification code of the data, and generating and storing an authorization result indicating the determination result according to the determination result, and transmitting the authorization result to the bank The server and the server of the Bank receive the authorization result from the target server of the target, and transmit the authorization result to the user for display, and the authorization result is based on the target enterprise identification information. The server is transmitted to the enterprise server corresponding to the target enterprise identification information for storage. The deduction authorization system of claim 4, wherein the automatic teller machine not only transmits the authorization request to the ticket exchange server when determining that the target bank code matches the second bank code stored by itself, Further outputting a second prompt message, the second prompt message includes at least content related to an authorization request that has been made to the second bank corresponding to the target bank code. The debit authorization system of claim 1, wherein the second communication network is an internal network. The debit authorization system according to claim 1, wherein the comparison table stored by the server of the bank further has a plurality of authorization category items, each authorization category The item corresponds to at least one of the business identification information. A debit authorization system is adapted to communicate with a user terminal corresponding to a user and a plurality of enterprise server terminals respectively corresponding to a plurality of different enterprises via a first communication network, the system comprising: an automatic teller machine, belonging The first bank has a user input and output interface, and stores a first bank code corresponding to the first bank and a comparison table, the comparison table includes a plurality of enterprise identification information respectively corresponding to the enterprises a plurality of identity identifiers, and a plurality of authorization targets, each enterprise identification information corresponding to at least one of the identity identifiers and each identity identifier corresponding to at least one of the authorization targets; and a line The server communicates with the ATM via a second communication network, and communicates with the enterprise server via the first communication network, and stores a plurality of first customer data, each of the first customer data has a corresponding Card identification information of a chip card issued by the first bank to a customer of the first bank, a bank account number issued by the first bank to the customer, a unique identifier corresponding to the customer; wherein the automated teller machine reads a wafer card issued by a target bank and corresponding to the user, and obtains a target card identification information corresponding to the wafer card, Corresponding to the target bank code of the target bank, and a target bank account number issued by the target bank and corresponding to the user; wherein the ATM generates a request for authorization by a human operation, and the request for the authorization target includes a unique a target identity identifier corresponding to the user and a unique target company corresponding to one of the enterprises Target enterprise identification information; wherein the automatic teller machine outputs an authorization target data according to the target identity identifier included in the request for the authorization target, the target enterprise identification information, and the comparison table stored by the bank server The authorization target data includes at least one reference authorization target of the authorization target that is included in the comparison table, and the enterprise identification information and the identity identification code of the corresponding comparison table of each reference authorization target respectively match the Authorizing the target enterprise identification information and the target identity identifier included in the target request; wherein the automated teller machine manually operates the at least one reference authorization target as a target authorization target, and generates a target including the target authorization target The enterprise identification information, the target identity code, the target bank account number, and the authorization request of the target card identification information; wherein the ATM determines that the target bank code matches the first bank code stored by itself The authorization request is transmitted to the server of the Bank; wherein the The server responds to the authorization request, and determines whether the target identity identifier, the target card identification information, and the target bank account number of the authorization request are consistent with one of the first customer profiles stored by the Bank server. The card identification information, the bank account number, and the identity identification code are generated, and an authorization result including the determination result is generated and stored according to the determination result, and the authorization result is based on a communication corresponding to the user end. Data is transmitted to the user terminal for display, and the authorization result is transmitted to the corresponding enterprise identification information according to the target The enterprise server of the target enterprise identification information is available for storage.