TWM596933U - System for withdrawing cash via external system - Google Patents

Abstract

A system for withdrawing cash via an external system is provided. In the system, a bank system provides a server for connecting with an external system that manages a plurality of service devices at terminal locations. Every terminal service device has a unique identifier. The server receives a request for withdrawing cash from a user device manipulated by a user who inputs a withdrawal amount and user authentication data via an application program. The server also receives user authentication data inputted by the user and a service identifier from a service device. After the server verifies the data received from both the user device and the service device, the withdrawal amount of cash is confirmed. The server then sends an authorization message to the service device according to the service identifier in order to allow the user to get the cash.

Description

Cash withdrawal system through external system

The specification discloses a method for withdrawing cash, especially a system for withdrawing cash through an external system that is not part of the banking system.

Although the technology of mobile payment and digital finance is changing with each passing day, users can use their personal mobile devices to complete consumption and expense payments, and the use of cash is gradually reduced. However, in actual consumption behavior, there are still many needs to pay cash, including There is a need to use cash to borrow money between people.

In particular, when a user only takes a mobile device, credit card, or stored-value card to go out, but encounters a situation that requires cash, a temporary demand for cash is generated. The conventional way is to find a bank to withdraw money in a counter, or It is using an automatic teller machine (ATM) to withdraw cash. In these cases, users need to use a passbook or financial card or withdrawal, or use a credit card to borrow money. However, ATMs are not everywhere, and users still need to carry financial cards or credit cards with them to get cash conveniently. Even if the existing ATMs provide cardless withdrawal services, they still cannot meet the convenience and need to get cash immediately. .

In view of the actual needs of users for easy access to cash, the specification discloses a system for withdrawing cash through external systems. The security authorization mechanism allows users to obtain cash conveniently and instantly, and is not limited to the traditional Use a financial card or credit card to withdraw cash at the counter, ATM, or ATM, and there is no restriction on the traditional method of using traditional passbooks, financial cards, or credit cards to obtain cash.

According to an embodiment, the system for withdrawing cash through an external system uses a server installed in a banking system, where the running technology includes receiving user authentication data and a withdrawal amount from a user device, on the other hand, It also receives its service identification code and a user authentication data to be verified from a service device, and then the software process in the server will use the user authentication data received from the user device to verify the user to be verified received from the service device The authentication data, after completing the verification, confirm the withdrawal amount, that is, send an authorization information to the service device according to the service identification code to agree to deliver the cash withdrawal amount to a user.

Preferably, the service device may be installed in a store, and the service device is connected to an external system and registered in the bank system through the external system. When the banking system successfully verifies the user authentication data to be verified, it indicates that the external system and the banking system confirm the authorization, so that the banking system transmits the authorization information to the service device through the external system, and then the personnel in the store deliver the cash withdrawn to the user .

Further, the user authentication data provided to the server includes a one-time password set by the user operating the user device, and a user identification code obtained from the user device. Similarly, the user authentication data to be verified received by the server from the service device includes a one-time password and a user identification code, and further includes a service identification code for identifying the corresponding service device.

In one embodiment, the user can enter or dictate a one-time password for the current withdrawal process at the location of the service device, and includes identification data that allows the banking system to identify the user.

It is mentioned here that because cash withdrawal with a one-time password is time-sensitive and because the withdrawals are limited at the same time, when dictating the user identification code (such as the ID number of identification documents, etc.), in practice There is no need to complete, only some information (such as four codes after the ID number).

In another embodiment, after the bank system receives the user authentication data and the withdrawal amount from the user device, it can first calculate a withdrawal code based on the user authentication data and the withdrawal amount by software method and send the withdrawal code To the user device, at this time, the user device converts the withdrawal code into a one-dimensional barcode, a two-dimensional barcode or a wireless identification code, so that the service device can obtain user authentication data after scanning or receiving, and then merge the service identification code Send to the server for verification.

In order to further understand the features and technical content of the present invention, please refer to the following detailed description and drawings of the present invention. However, the drawings provided are for reference and explanation only, and are not intended to limit the present invention.

The following are specific specific examples to illustrate the implementation of this creation, and those skilled in the art can understand the advantages and effects of this creation from the content disclosed in this specification. This creation can be implemented or applied through other different specific embodiments. The details in this specification can also be based on different views and applications, and various modifications and changes can be made without departing from the concept of this creation. In addition, the drawings in this creation are only a schematic illustration, not based on actual size, and are declared in advance. The following embodiments will further describe the relevant technical content of the creation, but the disclosed content is not intended to limit the protection scope of the creation.

It should be understood that although terms such as “first”, “second”, and “third” may be used herein to describe various elements or signals, these elements or signals should not be limited by these terms. These terms are mainly used to distinguish one component from another component, or one signal from another signal. In addition, the term "or" as used herein may include any combination of any one or more of the associated listed items, depending on the actual situation.

The specification discloses a system for withdrawing cash through an external system. The method running in the system provides users with a solution to obtain cash that is not through traditional bank cashiers, ATMs, or ATMs. The method will be used through a secure authorization mechanism. You can get cash conveniently and in real time, and you are not limited to the way you can only get cash with a passbook, financial card or credit card withdrawal.

Refer to the schematic diagram of FIG. 1 for the architectural embodiment of the system for withdrawing cash through an external system.

A method for realizing cash withdrawal through an external system runs in the system in which the banking system 13 needs to authorize a specific terminal device to provide user cash. The proposed system architecture for cash withdrawal through an external system includes proposing an external system 11, The external system 11 is used to connect and manage a plurality of service devices 12 installed in each service base. The service device 12 is, for example, a point-of-sale (POS) device installed in a store, such as a common cash register or an information processor ( kiosk), etc., or it may be a computer device installed in a specific service base, or another electronic device connected to a terminal point of sale or a computer device.

The external system 11 and the banking system 13 are connected through the network 10, the external system 11 sets a unique service identifier (service identifier, service ID) for each service device 12, and each service device 12 can be registered with the bank through the external system 11 In the system 13, both the external system 11 and the banking system 13 can identify the device and the location of the request.

The system for withdrawing cash through an external system also provides applications running on the user device 15, such as a mobile application (APP) in the mobile device. After the application is executed, the user can input the withdrawal amount and user authentication data. In one embodiment, the user authentication data may include a user ID (user ID), a one-time password for the cash withdrawal service (with a time limit, not a fixed password), and a withdrawal amount. After the input is complete, send To the servo in the banking system 13.

On the other hand, when the user enters or scans the relevant user authentication data, such as the user identification code and the one-time password, into a certain service device 12, the service device 12 can transmit its service identification code and this through the external system 11 The user authentication data to be verified is sent to the banking system 13 for verification.

It is mentioned here that the external system is used to manage service devices located everywhere, so that the entire cash withdrawal method can be run in a wider range of services, such as convenience stores everywhere, and can also be expanded. The application range covers all service locations with cash, such as the storefronts of various chain stores, public institutions, medical institutions, etc. The system allows users to authenticate through registered and authorized service devices 12 at various service locations, and in Obtain cash after authorization, not limited to the traditional method of cash withdrawal at the bank counter, ATM or ATM.

In a specific embodiment, if it is not the above-mentioned chain store, if a single service base is provided with a registered and certified service device (with a unique service identification code), it is itself the external system described above, which allows the user to pass through Withdrawal of cash after authorization by the banking system.

The method for withdrawing cash through an external system runs in a server set up in the banking system. For an example of the method flow executed in this server, refer to the flowchart of the method for withdrawing cash through an external system shown in FIG. 2.

In step S201, the user can operate the application program running on the user device, input the cash withdrawal bonus that he wants to withdraw, and also need to fill in the user authentication data for verifying the user's identity, such as the user's identification The user ID can also include a one-time password that is only applicable to this withdrawal request. After connecting to the server of the banking system, the server can enable the server to receive user authentication data and withdrawal amount from the user device.

Next, in step S203, the server also receives the service identification code and the user authentication data to be verified from the service device. The user authentication data to be verified can also be used by the user by using input devices (such as a keyboard, Touch display, voice input, bar code scanning, wireless code reading device), such as user identification code and one-time password. Similarly, it needs to be sent to the server.

In step S205, when the user receives the user authentication data from the user device and the user authentication data to be verified received from the service device, the user authentication data received from the user device is used to verify the self-service device The received user authentication data to be verified confirms in step S207 whether the verification is completed?

If the user authentication data received on both sides does not match (No), as in step S209, the transaction fails; otherwise, if the user authentication data received on both sides matches (Yes), then proceed to step S211, the server confirms the After receiving the amount of money, an authorization message is generated, the service device that sent the message is identified according to the service identification code obtained in this procedure, and the authorization message is transmitted to the service device.

At this time, it is possible to display on the service device the information of consent authorization, including the withdrawal amount, indicating that it agrees to deliver the cash withdrawn amount to a user.

It is mentioned here that various authentication data of the user can be registered in the banking system, such as the password or biometric code used to log in to the user device. For example, when the user authentication data is formed in the user device, the above embodiment shows that the user authentication data includes the user identification code and the one-time password. Since the user operates the user device (such as a smart phone), Need to go through an authentication process, that is, the password or biometric code required to log in to the user device, biometric codes such as fingerprints, facial identification codes (such as Face ID), etc., so that when forming user authentication data, it can also include The password or biometric code used to log in to the user device to provide the banking system with this password or biometric code to authenticate the user.

In another embodiment, in addition to providing the service identification code directly to the banking system by the service device, the service device can also be handed over to the user device to upload the service identification code of the service device, where the service device can be marked with its service identification code. The QR code and other methods allow the user device to obtain the service identification code, and then the user device sends the service identification code to the banking system, so that the banking system can confirm the service base for withdrawing cash.

Figure 3 shows a schematic diagram of cash withdrawal through an external system.

The figure shows that the user initially runs an application 301 on the user device, which displays several fields that need to be filled in by the user, such as a password field, preferably the user can set a different password each time, as The one-time password confirmed for each use; the withdrawal amount column provides the user to input the cash amount that he wants to withdraw. If the application 301 requires a user to log in to use, such as a mobile banking application, when logging in, it means that the application 301 has obtained the user identification code and can be sent to the server together, otherwise, the application 301 can also request to use The user enters the user identification code to allow the server to identify the user.

In this example, the user then enters user authentication data on the service device 302 (such as a cash register). The display content 303 displays the user ID and password. If the same user is used, the password field should be the same as The one-time password entered in the application 301 is the same.

The application 301 of the user device sends the user authentication data and the withdrawal amount to the server, and the software program in the service device 302 also sends the received user authentication data plus its own service identification code to the server. Let the server verify. After successful verification, the service device 302 is authorized to allow the user to withdraw cash. As shown in the display content 303' on the service device 302, the user ID, password (not necessary) and withdrawal can be displayed. Amount, and then let the user get cash 305.

Further, when the banking system authorizes a certain service device to provide cash, if the operator of the service device finds that the cash is less than the withdrawal amount, it can reply that the balance is insufficient, so that the transaction fails, and the relevant one-time password will be Failure.

FIG. 4 shows a flow chart of an embodiment of a method executed by a system for withdrawing cash through an external system. The method mainly runs between a user device 41, a service device 42, an external system 43, and a banking system 44 (with a server) The external system 43 can be another external server according to the actual situation, or the method can be implemented by the service device 42 only.

In the figure, starting from step S401, the user operates the user device 41 to generate a user identification code, a one-time password and a withdrawal amount, and transmits it to the banking system 44. On the other hand, in step S403, the service device 42 also obtains the user identification code and one-time password of the user, and uploads the service identification code to the banking system 44 (via the external system 43).

At this time, in step S405, the banking system 44 uses the user authentication data received from the user device 41 to verify the user authentication data to be verified received from the service device 42. After the verification is completed, in step S407, the authorization information is generated and transmitted to The service device 42 (available through the external system 43) notifies the user of agreeing to deliver the withdrawal amount of cash to the user, so that the user can withdraw cash, as in step S409.

5 shows a flowchart of another embodiment of a method for withdrawing cash through an external system. This process also runs between the user device 41, the service device 42 (or includes the external system 43), and the banking system 44.

Initially, in step S501, the user operates the user device 41 to input a user identification code (or login generated), a one-time password, and a withdrawal amount, and transmits it to the banking system 44. At this time, in this embodiment, in step S503, the software program in the banking system 44 calculates a withdrawal code based on the user authentication data (user identification code, one-time password) and the withdrawal amount. Returned to the user device 41 (step S505), the user device can send the withdrawal code to the service device 42, so that the service device 42 obtains the user authentication data to be verified from the withdrawal code.

In this example, in step S507, the received withdrawal code (such as a string) is compiled into a specific convertible graphic or wireless identification code (such as NFC code) in the user device by software method, and the graphic is displayed in use One-dimensional barcode or two-dimensional barcode (such as QR code, step S507) on the screen of the user device 41, or generate a wireless identification code, and then send the withdrawal code to the service in the form of a one-dimensional barcode, two-dimensional barcode or wireless identification code The device 42, in step S509, allows the service device 42 to scan the QR code, and the service device obtains the user authentication data to be verified from the withdrawal code, including the user identification code and the one-time password.

In step S511, in the service device 42, the service identification code, the user identification code and the one-time password are transmitted to the banking system 44 (available through the external system 43), and the banking system 44 uses the previously received usage from the user device 41 The user authentication data verifies the user authentication data received from the service device 42 (step S513).

When the banking system 44 successfully verifies the user authentication data to be verified, it means that the external system 43 and the banking system 44 confirm the authorization and generate authorization information. The banking system 44 transmits the authorization information to the service device 42 through the external system 43 (step S515), and finally The person at the service device 42 (such as a store) delivers the cash withdrawn to the user (step S517).

In summary, according to the above embodiment, a system for withdrawing cash through an external system is described. The proposed scheme allows users to obtain cash in a place other than the bank system in addition to the traditional way of withdrawing cash. The external system can include any computer system that establishes a service registration with the banking system, with a unique service identification code, preferably like a store, because the store generally has enough cash, use the point of sale device (POS) or computer device and bank After the system authenticates the user, the user is allowed to withdraw cash.

Moreover, through the system, the non-user himself (at the service location) can also withdraw the withdrawal amount authorized by the user himself (operating the user device), thereby generating novel and distinctive financial services.

The content disclosed above is only a preferred and feasible embodiment of the new model, and does not limit the scope of the patent application of the new model. Therefore, any equivalent technical changes made by using the description and drawings of the new model are included in the application of the new model. Within the scope of the patent.

10: Internet 11: External system 12: Service device 13: Banking system 15: User device 301: App 302: Service device 303: display content one 303’: display content 2 305: Cash 41: User device 42: Service device 43: External system 44: Banking system Steps S201～S211: Flow of cash withdrawal through external system Steps S401～S409: cash withdrawal process through external system Steps S501～S517: cash withdrawal process through external system

FIG. 1 shows an architectural embodiment of a system for withdrawing cash through an external system;

2 shows a flowchart of an embodiment of the operation of a system for withdrawing cash through an external system;

Figure 3 shows a schematic diagram of cash withdrawal through an external system;

FIG. 4 shows a flowchart of one embodiment of a method performed by a system for withdrawing cash through an external system; and

FIG. 5 shows a second flowchart of the method embodiment of the method executed by the system for withdrawing cash through an external system.

S201: Receive user authentication data and withdraw amount from user device

S203: Receive the service identification code and the user authentication data to be verified from the service device

S205: verify the user authentication data to be verified

S207: Has the verification been completed?

S209: Transaction failed

S211: After confirming the withdrawal amount, send an authorization message to the service device

Claims (10)

A system for withdrawing cash through external systems, including: At least one service device, each service device is located in a terminal base; A server connected to an external system, wherein the external system is connected to the at least one service device provided at the at least one terminal base, and each service device has a unique service identification code; Among them, running a method for withdrawing cash through an external system on the server includes: Receive a user authentication data and a withdrawal amount from a user device; Receiving a service identification code and a user authentication data to be verified from one of the plurality of service devices; Using the user authentication data received from the user device to verify the user authentication data to be verified received from the service device; and After completing the verification, confirm the withdrawal amount, that is, send an authorization message to the service device according to the service identification code, and agree to deliver the cash withdrawal amount to the user. The system for claiming cash through an external system as described in claim 1, wherein the service device is installed in a store, connected to the external system through the network, and the service device is registered in the banking system through the external system and is provided There is a unique service identification code. The system for claiming cash through an external system as described in claim 2, wherein, when the banking system successfully verifies the user authentication data to be verified, it indicates that the external system and the banking system confirm the authorization, and the banking system passes the The external system transmits the authorization information to the service device, and the person in the store delivers the cash withdrawal amount to the user. The system for claiming cash through an external system according to claim 3, wherein the service device is a terminal point of sale or a computer device installed in the store. The system for withdrawing cash through an external system according to claim 3, wherein the user authentication data received by the server from the user device includes a one-time password set by the user operating the user device, and A user identification code obtained from the user device. The system for withdrawing cash through an external system as described in claim 5, wherein the user authentication data further includes a password or a biometric code used by the user to log in to the user device, providing the banking system to use the password or The biometric code authenticates the user. The system for claiming cash through an external system according to claim 5 or 6, wherein the user authentication data to be verified received by the server from the service device includes the one-time password input by the user on the service device With the user ID. The system for claiming cash through an external system according to any one of claims 1 to 6, wherein the user device executes an application program to provide the user to input the withdrawal amount and the user authentication data. The system for withdrawing cash through an external system as described in any one of claims 1 to 6, wherein, after the banking system receives the user authentication data and the withdrawal amount from the user device, according to the user The authentication data and the withdrawal amount are used to calculate a withdrawal code, send the withdrawal code to the user device, and send the withdrawal code to the service device from the user device, so that the service device obtains the withdrawal code from the withdrawal code User authentication data to be verified. The system for claiming cash through an external system as described in claim 9, wherein, after the user device receives the claim code from the banking system, a one-dimensional barcode or a two-dimensional barcode displayed on a screen is generated, or Generate a wireless identification code, and then send the withdrawal code to the service device in the form of the one-dimensional barcode, the two-dimensional barcode, or the wireless identification code.

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