TWM617523U - ATM and financial service system - Google Patents

Abstract

A financial service system includes a card issuing bank server, a bank server electrically connected to the card issuing bank server, and an automatic teller machine electrically connecting the card issuing bank server and the bank server. When a user wants to use a financial service provided by the ATM, a device account corresponding to a credit card of the user is transmitted to a communication unit of the ATM through a mobile device using short-range wireless communication technology. The ATM then transmits the device account number to the server of the card issuing bank, so that the server of the card issuing bank transmits an ID number corresponding to the device account number to the server of the bank. When the bank server determines that a sensor service setting corresponding to the ID number is enabled, it notifies the ATM to provide a financial service.

Description

ATM and financial service system

This model relates to an automatic teller machine and financial service system, in particular to an automatic teller machine and financial service system operated by mobile payment.

Existing automated teller machines (ATMs), whether they use traditional card insertion and password input, or open the mobile device's online banking application (APP) for authentication, require corresponding operating procedures, and follow the procedures or interfaces of each bank Different designs can also lead to differences in operation, which indirectly affects users who are waiting in line to use the ATM. Therefore, how to provide an automated teller machine with simpler operation and safer, so as to reduce user complaints and improve user experience has become a problem to be solved.

Therefore, the purpose of the present invention is to provide a more convenient automated teller machine and financial service system that is operated by mobile payment.

Therefore, one aspect of the present invention provides a financial service system suitable for a mobile device, and includes a card issuing bank server, a bank server, and an automated teller machine. The server of the card issuing bank stores a credit card number and an ID number corresponding to a user. The bank server is electrically connected to the card issuing bank server. The automatic teller machine is electromechanically connected to the card issuing bank server and the bank server, and includes a processing unit and a communication unit electrically connected to the processing unit. The communication unit supports Near-field communication (NFC) technology.

Wherein, when a user wants to use a financial service provided by the ATM, a device account number (DAN) corresponding to the user's credit card number is sent to the automatic teller machine through the mobile device using short-range wireless communication technology. The communication unit of the teller machine. The ATM then transmits the device account number to the server of the card issuing bank, so that the server of the card issuing bank transmits the ID number corresponding to the device account number to the server of the bank. When the bank server determines that a sensor service setting corresponding to the ID card number is enabled, it notifies the processing unit of the ATM to provide the financial service.

In some implementations, when the bank server determines that the sensor service setting corresponding to the ID number is enabled, the processing unit of the ATM is notified to first determine whether an input password from the mobile device is the same as a The set password matches, and when the processing unit of the ATM determines that the input password matches the set password, it obtains a deposit account number corresponding to the user from the bank server and displays it to the user.

In some implementation aspects, the financial service includes at least one of a withdrawal service, a deposit service, and a transfer service.

In other embodiments, the financial service system further includes a push server electrically connected to the bank server. Wherein, the automated teller machine first executes the registration of the sensor service setting by the user, so that the automated teller machine, after verifying the user’s identity, informs the mobile device to use the near field communication technology to send the corresponding device account to the The communication unit of the ATM.

The ATM then transmits the device account number to the server of the card issuing bank, so that the server of the card issuing bank transmits the ID number corresponding to the device account number to the server of the bank. After determining that the deposit account number corresponding to the ID card number exists, the bank server generates a one-time password (OTP), and sends the one-time password to the mobile device through the push server to make the ATM Send a SMS activation code entered by the user to the bank server. After determining that the SMS activation code is consistent with the one-time password, the bank server changes the sensor service setting to on, and receives the setting password input from the user through the ATM and corresponding to the device account.

In some implementations, after the bank server changes the sensor service setting to enable, it also generates an activation success message through the push server, and the push server also sends the activation success message to The mobile device to notify the user.

Therefore, another aspect of the present invention is applicable to a mobile device, a server of a card issuing bank, and a server of a bank. The server of the issuing bank stores a credit card number and an ID number corresponding to a user, and the server of the bank is electrically connected to the server of the issuing bank. The automatic teller machine is electromechanically connected to the card issuing bank server and the bank server, and includes a processing unit and a communication unit electrically connected to the processing unit. The communication unit supports Near-field communication (NFC) technology.

Wherein, when a user wants to use a financial service provided by the ATM, a device account number (DAN) corresponding to the user's credit card number is sent to the automatic teller machine through the mobile device using short-range wireless communication technology. The communication unit of the teller machine, the automatic teller machine then transmits the device account number to the card issuing bank server, so that the card issuing bank server transmits the ID number corresponding to the device account number to the bank server. When the bank server determines that a sensor service setting corresponding to the ID number is enabled, it notifies the processing unit of the ATM to provide the financial service.

In some implementations, when the bank server determines that the sensor service setting corresponding to the ID number is enabled, the processing unit of the ATM is notified to first determine whether an input password from the mobile device is the same as a The set password matches, and when the processing unit of the ATM determines that the input password matches the set password, it obtains a deposit account number corresponding to the user from the bank server and displays it to the user.

In some implementation aspects, the financial service includes at least one of a withdrawal service, a deposit service, and a transfer service.

In some other implementation aspects, the ATM is also suitable for a push server that is electrically connected to the bank server. The automated teller machine first executes the registration of the sensor service setting by the user, so that the automated teller machine, after verifying the identity of the user, informs the mobile device to use the short-range wireless communication technology to send the corresponding device account to the automated teller machine Of the communication unit.

The ATM then transmits the device account number to the server of the card issuing bank, so that the server of the card issuing bank transmits the ID number corresponding to the device account number to the server of the bank. After determining that the deposit account number corresponding to the ID card number exists, the bank server generates a one-time password (OTP), and sends the one-time password to the mobile device through the push server to make the ATM Send a SMS activation code entered by the user to the bank server. After determining that the SMS activation code is consistent with the one-time password, the bank server changes the sensor service setting to on, and receives the setting password input from the user through the ATM and corresponding to the device account.

The effect of the present invention is that the mobile device uses the short-range wireless communication technology to transmit the device account number (DAN) to the ATM, so that the ATM can provide the financial service accordingly, so it can replace the traditional plug-in in the prior art. The authentication method of the card or online banking application, and then realizes a simpler and safer automated teller machine and financial service system.

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

1, the embodiment of the present invention is applicable to a mobile device 4 and includes a card issuing bank server 2, a bank server 3, an automated teller machine (ATM) 1, and a push server 5. The mobile device 4 is, for example, a smart phone and supports Near-field communication (NFC) technology. The bank server 3 belongs to a bank and is electrically connected to the card issuing bank server 2. A user has opened a deposit account at the bank.

The issuing bank server 2 belongs to a card issuing bank. The issuing bank is used to issue a credit card corresponding to the user. The issuing bank server 2 stores an ID number corresponding to the user and a credit card number corresponding to the credit card. , And a device account number (DAN) corresponding to the credit card number. It should be noted that the user has previously activated a mobile payment service provided by the card issuing bank on the mobile device 4, so the card issuing bank server 2 already stores the device account number.

The ATM 1 is electrically connected to the issuing bank server 2 and the bank server 3, and includes a processing unit 11 and a communication unit 12 electrically connected to the processing unit 11. The processing unit 11 is, for example, a processor, a microcontroller, or other computing elements. The communication unit 12 supports short-range wireless communication technology.

When the user wants to use a financial service provided by the ATM 1 using the mobile device 4 using short-range wireless communication technology, for example, he wants to use a withdrawal service, a deposit service, and a deposit service provided by the ATM 1. Or a financial service such as a transfer service, the user must first perform a registration-sensing service setting at the ATM 1, so that the ATM 1 verifies the user's identity, for example, with a financial account of the user. Card or an online banking application (APP) provided by the bank and installed on the mobile device 4 for identity verification, the ATM 1 informs the mobile device 4 that it will respond to the user’s The device account number (DAN) of the credit card number is transmitted to the communication unit 12 of the ATM 1.

The ATM 1 then transmits the device account number to the card issuing bank server 2 so that the card issuing bank server 2 transmits the ID number corresponding to the device account number to the bank server 3. After the bank server 3 determines that the deposit account corresponding to the ID number exists, it generates a one-time password (OTP), and transmits the one-time password to the mobile device 4 through the push server 5, so that The automated teller machine 1 transmits a SMS activation code entered by the user to the bank server 3.

After the bank server 3 determines that the SMS activation code is consistent with the one-time password, the sensor service setting is changed to on, and the ATM 1 receives a setting corresponding to the device account input from the user through the ATM 1. password. In addition, after the bank server 3 changes the sensor service setting to enable, it also generates an activation success message through the push server 5, and the push server 5 also sends the activation success message to the mobile device 4. To notify the user.

When the sensor service setting corresponding to the user is turned on, and the user wants to use the financial service provided by the ATM 1 through the mobile device 4 using short-range wireless communication technology, the mobile device 4 uses the near field The distance wireless communication technology transmits the device account number corresponding to the user’s credit card number to the communication unit 12 of the ATM 1, and the ATM 1 then transmits the device account number to the card issuing bank server 2 so that the card issuing bank The bank server 2 sends the ID number corresponding to the device account to the bank server 3. When the bank server 3 determines that the sensor service setting corresponding to the ID number is enabled, it notifies the processing unit 11 of the ATM 1 to first determine whether an input password from the mobile device 4 matches the set password, And when the processing unit 11 of the automatic teller machine 1 determines that the input password is consistent with the set password, the automatic teller machine 1 then obtains the deposit account number of the corresponding user from the bank server 3, and transfers the deposit account number Related information (such as remaining amount, etc.) is displayed to the user, and the processing unit 11 further provides the financial service.

In summary, the mobile device 4 uses the short-range wireless communication technology to transmit the device account to the ATM 1, so that the ATM 1 provides the financial service accordingly. Therefore, the user does not need to carry or use the traditional With the ATM card, only one mobile device can be used to log in and operate the financial services provided by the ATM, so it can indeed achieve the new purpose of the cost.

However, the above are only examples of the present model, and should not be used to limit the scope of implementation of the present model, all simple equivalent changes and modifications made in accordance with the patent scope of the present model application and the contents of the patent specification still belong to This new patent covers the scope.

1: ATM 11: Processing unit 12: Communication unit 2: Card issuing bank server 3: Bank server 4: mobile device 5: Push server

The other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, among which: Figure 1 is a block diagram illustrating an embodiment of the new financial service system.

1: ATM

11: Processing unit

12: Communication unit

2: Card issuing bank server

3: Bank server

4: mobile device

5: Push server

Claims (9)

A financial service system suitable for a mobile device and includes: The server of a card issuing bank stores a credit card number and an ID number corresponding to a user; A bank server, electrically connected to the server of the issuing bank; An automated teller machine electrically connected to the server of the card issuing bank and the server of the bank, and includes a processing unit and a communication unit electrically connected to the processing unit, the communication unit supporting Near-field communication (NFC) technology ； Wherein, when a user wants to use a financial service provided by the ATM, a device account number (DAN) corresponding to the user's credit card number is sent to the automatic teller machine through the mobile device using short-range wireless communication technology. The communication unit of the teller machine, the ATM then transmits the device account number to the server of the card issuing bank, so that the server of the card issuing bank transmits the ID number corresponding to the device account number to the bank server. When it is determined that a sensor service setting corresponding to the ID card number is turned on, the processing unit of the ATM is notified to provide the financial service. The financial service system according to claim 1, wherein when the bank server determines that the sensor service setting corresponding to the ID number is enabled, the processing unit of the ATM is notified to first determine an input from the mobile device Whether the password is consistent with a set password, and when the processing unit of the ATM determines that the input password is consistent with the set password, it obtains a deposit account number corresponding to the user from the bank server and displays it to The user. The financial service system according to claim 2, wherein the financial service includes at least one of a withdrawal service, a deposit service, and a transfer service. The financial service system according to claim 1, further comprising a push server that is electrically connected to the bank server, Wherein, the automated teller machine first executes the registration of the sensor service setting by the user, so that the automated teller machine, after verifying the user’s identity, informs the mobile device to use the near field communication technology to send the corresponding device account to the The communication unit of the ATM, The ATM then transmits the device account number to the server of the card issuing bank, so that the server of the card issuing bank transmits the ID number corresponding to the device account number to the server of the bank. After determining that the deposit account number corresponding to the ID card number exists, the bank server generates a one-time password (OTP), and sends the one-time password to the mobile device through the push server to make the ATM Send a SMS activation code entered by the user to the bank server, After determining that the SMS activation code is consistent with the one-time password, the bank server changes the sensor service setting to on, and receives the setting password input from the user through the ATM and corresponding to the device account. The financial service system according to claim 4, wherein after the bank server changes the sensor service setting to enable, the push server also generates an activation success message, and the push server also activates the A success message is sent to the mobile device to notify the user. An automatic teller machine is suitable for a mobile device, a server of a card issuing bank, and a server of a bank. The server of the issuing bank stores a credit card number corresponding to a user. The server of the bank is electrically connected to the server of the issuing bank. The ATM is mechanically and electrically connected to the server of the issuing bank and the server of the bank, and includes a processing unit and a communication unit electrically connected to the processing unit. The communication unit supports Near-field communication (NFC) technology, Wherein, when a user wants to use a financial service provided by the ATM, a device account number (DAN) corresponding to the user's credit card number is sent to the automatic teller machine through the mobile device using short-range wireless communication technology. The communication unit of the teller machine, the ATM then transmits the device account number to the server of the card issuing bank, so that the server of the card issuing bank transmits the ID number corresponding to the device account number to the server of the bank. When it is determined that a sensor service setting corresponding to the ID card number is turned on, the processing unit of the ATM is notified to provide the financial service. The automated teller machine according to claim 6, wherein when the bank server determines that the sensor service setting corresponding to the ID number is enabled, it notifies the processing unit of the automated teller machine to first determine an input password from the mobile device Whether it is consistent with a set password, and when the processing unit of the ATM determines that the input password is consistent with the set password, it obtains a deposit account of the corresponding user from the bank server and displays it to the user. The automated teller machine according to claim 7, wherein the financial service includes at least one of a withdrawal service, a deposit service, and a transfer service. The automated teller machine described in claim 6 is also applicable to a push server that is electrically connected to the bank server, where: The automated teller machine first executes the registration of the sensor service setting by the user, so that the automated teller machine, after verifying the identity of the user, informs the mobile device to use the short-range wireless communication technology to send the corresponding device account to the automated teller machine Of the communication unit, The ATM then transmits the device account number to the server of the card issuing bank, so that the server of the card issuing bank transmits the ID number corresponding to the device account number to the server of the bank. After determining that the deposit account number corresponding to the ID card number exists, the bank server generates a one-time password (OTP), and sends the one-time password to the mobile device through the push server to make the ATM Send a SMS activation code entered by the user to the bank server, After determining that the SMS activation code is consistent with the one-time password, the bank server changes the sensor service setting to on, and receives the setting password input from the user through the ATM and corresponding to the device account.

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