TWM620782U - Financial service system - Google Patents

Financial service system Download PDF

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Publication number
TWM620782U
TWM620782U TW110210468U TW110210468U TWM620782U TW M620782 U TWM620782 U TW M620782U TW 110210468 U TW110210468 U TW 110210468U TW 110210468 U TW110210468 U TW 110210468U TW M620782 U TWM620782 U TW M620782U
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Taiwan
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server
withdrawal
atm
electronic
financial service
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TW110210468U
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Chinese (zh)
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葉智淵
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合作金庫商業銀行股份有限公司
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Priority to TW110210468U priority Critical patent/TWM620782U/en
Publication of TWM620782U publication Critical patent/TWM620782U/en

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Abstract

A financial service system includes an automated teller machine and a server. The automated teller machine is configured to provide a physical currency. The server is connected to the automated teller machine and an electronic device. The server is configured to execute an authentication procedure after the automated teller machine accepting a cardless withdrawal request, in which the authentication request is executed through the electronic device scanning a barcode information provided by the automated teller machine. The server is further configured to control the automated teller machine to provide the physical currency after the authentication procedure passed.

Description

金融服務系統Financial Service System

本揭露係有關於一種金融服務系統,尤其是用於無卡提款的一種金融服務系統。This disclosure relates to a financial service system, especially a financial service system for cardless withdrawal.

近年來,自動櫃員機(ATM, automated teller machine)的無卡提款服務已相當普及,無卡提款服務係使持卡人可以在沒有攜帶具有提款功能的金融卡之情況下,仍可以透過電子裝置(例如:智慧型手機)在自動櫃員機完成提款。In recent years, the cardless withdrawal service of automated teller machines (ATM, automated teller machine) has become quite popular. The cardless withdrawal service allows cardholders to use the card without a financial card with withdrawal function. Electronic devices (such as smart phones) complete withdrawals at ATMs.

目前最常見的無卡提款操作方式,係持卡人透過電子裝置登入行動網銀APP之後,在行動網銀APP完成提款預約而得到專用的提款條碼。然後,持卡人在時限內前往自動櫃員機,再將顯示於電子裝置上的提款條碼靠近自動櫃員機使之感應,從而完成無卡提款的操作。At present, the most common cardless withdrawal operation method is that after the cardholder logs into the mobile online banking app through an electronic device, he completes the withdrawal appointment in the mobile online banking APP and gets a special withdrawal barcode. Then, the cardholder goes to the ATM within the time limit, and then moves the withdrawal barcode displayed on the electronic device to the ATM to sense it, thereby completing the cardless withdrawal operation.

然而,目前同業提供之自動櫃員機無卡提款服務均須在自動櫃員機安裝QR Code掃描器或NFC感應器,此舉實為增加自動櫃員機的建置成本。However, the current ATM card-free cash withdrawal services provided by the industry require QR Code scanners or NFC sensors to be installed at the ATMs. This actually increases the cost of building the ATMs.

因此,如何提出一種可解決上述問題的金融服務系統,是目前業界亟欲投入研發資源解決的問題之一。Therefore, how to propose a financial service system that can solve the above-mentioned problems is one of the problems that the industry urgently wants to invest in research and development resources to solve.

有鑑於此,本揭露之一目的在於提出一種可有解決上述問題的金融服務系統。In view of this, one purpose of this disclosure is to provide a financial service system that can solve the above-mentioned problems.

為了達到上述目的,依據本揭露之一實施方式,一種金融服務系統包含自動櫃員機以及伺服器。自動櫃員機配置以提供實體貨幣。伺服器連接自動櫃員機以及電子裝置,並配置以:在自動櫃員機接受無卡提款請求之後,執行驗證程序,其中驗證程序係透過電子裝置掃描自動櫃員機提供之條碼資訊來執行;以及在驗證程序通過之後,控制自動櫃員機提供實體貨幣。In order to achieve the above objective, according to an embodiment of the present disclosure, a financial service system includes an automated teller machine and a server. The ATM is configured to provide physical currency. The server is connected to the ATM and the electronic device, and is configured to: after the ATM accepts the cardless withdrawal request, it executes the verification process, where the verification process is performed by scanning the barcode information provided by the ATM through the electronic device; and the verification process is passed After that, control the ATM to provide physical currency.

於本揭露的一或多個實施方式中,伺服器還配置以:在電子裝置發出預約請求之後,執行驗證程序。In one or more embodiments of the present disclosure, the server is further configured to execute a verification procedure after the electronic device sends a reservation request.

於本揭露的一或多個實施方式中,自動櫃員機還包含輸入單元以及顯示單元。輸入單元配置以接收無卡提款請求以及密碼輸入資料。顯示單元配置以顯示使用者介面。In one or more embodiments of the present disclosure, the automated teller machine further includes an input unit and a display unit. The input unit is configured to receive cardless withdrawal requests and password input data. The display unit is configured to display the user interface.

於本揭露的一或多個實施方式中,自動櫃員機還配置以:在接受無卡提款請求之後,顯示條碼資訊於顯示單元上。In one or more embodiments of the present disclosure, the ATM is further configured to display barcode information on the display unit after accepting the cardless withdrawal request.

於本揭露的一或多個實施方式中,驗證程序係使伺服器在電子裝置掃描條碼資訊時以推播方式將提款密碼資訊發送至電子裝置。In one or more embodiments of the present disclosure, the verification process enables the server to send the withdrawal password information to the electronic device in a push broadcast mode when the electronic device scans the barcode information.

於本揭露的一或多個實施方式中,驗證程序係使伺服器在電子裝置掃描條碼資訊時,經由自動櫃員機之顯示單元顯示密碼輸入畫面。In one or more embodiments of the present disclosure, the verification process is to enable the server to display a password input screen through the display unit of the ATM when the electronic device scans the barcode information.

於本揭露的一或多個實施方式中,驗證程序係使伺服器在自動櫃員機接收到之密碼輸入資料與提款密碼資訊匹配時,伺服器判斷驗證程序通過。In one or more embodiments of the present disclosure, the verification process is to enable the server to determine that the verification process is passed when the password input data received by the ATM matches the withdrawal password information.

於本揭露的一或多個實施方式中,伺服器還包含比對單元。比對單元配置以將密碼輸入資料與提款密碼資訊進行比對。In one or more embodiments of the present disclosure, the server further includes a comparison unit. The comparison unit is configured to compare the password input data with the withdrawal password information.

於本揭露的一或多個實施方式中,伺服器還配置以:在比對單元判斷密碼輸入資料與提款密碼資訊比對成功之後,控制自動櫃員機提供與預約請求相關聯之實體貨幣。In one or more embodiments of the present disclosure, the server is further configured to control the ATM to provide the physical currency associated with the reservation request after the comparison unit determines that the password input data is successfully compared with the withdrawal password information.

於本揭露的一或多個實施方式中,伺服器還配置以:在比對單元判斷密碼輸入資料與提款密碼資訊比對失敗之後,經由自動櫃員機之顯示單元顯示拒絕存取畫面。In one or more embodiments of the present disclosure, the server is further configured to: after the comparison unit determines that the password input data and the withdrawal password information have failed to be compared, the display unit of the ATM displays an access rejection screen.

綜上所述,於本揭露的金融服務系統中,規劃了提款密碼的推播以及客戶身分確認的機制,透過電子裝置掃描自動櫃員機提供的條碼資訊以及密碼驗證程序後,持卡人即可完成無卡提款的操作。於本揭露的金融服務系統中,不但而降低無卡提款建置成本,也能促使所有自動櫃員機均可在無建置無線感應器的情況下提供無卡提款服務。In summary, in the financial service system disclosed in this disclosure, a mechanism for pushing and broadcasting the withdrawal password and confirming customer identity is planned. After scanning the barcode information provided by the ATM and the password verification procedure through an electronic device, the cardholder can Complete the operation without a card. In the financial service system disclosed in this disclosure, not only the cost of building a cardless withdrawal is reduced, but also all ATMs can provide cardless withdrawal services without a built-in wireless sensor.

以上所述僅係用以闡述本揭露所欲解決的問題、解決問題的技術手段、及其產生的功效等等,本揭露之具體細節將在下文的實施方式及相關圖式中詳細介紹。The above description is only used to explain the problem to be solved by the present disclosure, the technical means to solve the problem, and the effects produced by the problem, etc. The specific details of the present disclosure will be described in detail in the following embodiments and related drawings.

以下將以圖式揭露本揭露之複數個實施方式,為明確說明起見,許多實務上的細節將在以下敘述中一併說明。然而,應瞭解到,這些實務上的細節不應用以限制本揭露。也就是說,在本揭露部分實施方式中,這些實務上的細節是非必要的。此外,為簡化圖式起見,一些習知慣用的結構與元件在圖式中將以簡單示意的方式繪示之。在所有圖式中相同的標號將用於表示相同或相似的元件。Hereinafter, multiple implementation manners of the present disclosure will be disclosed in diagrams. For the sake of clarity, many practical details will be described in the following description. However, it should be understood that these practical details should not be used to limit this disclosure. In other words, in some implementations of this disclosure, these practical details are unnecessary. In addition, in order to simplify the drawings, some conventionally used structures and elements are shown in the drawings in a simple and schematic manner. The same reference numerals will be used to indicate the same or similar elements in all the drawings.

本揭露提到「與預約請求相關聯」之用語,意指任一元件包含與預約請求相關之資訊,或意指任一元件與該預約請求綁定。The term "associated with the reservation request" mentioned in this disclosure means that any component contains information related to the reservation request, or that any component is bound to the reservation request.

本揭露提到「匹配」之用語,意指多個資訊相互比對吻合。The term "matching" mentioned in this disclosure means that multiple pieces of information are matched and matched with each other.

以下將詳細介紹本實施方式之金融服務系統100所包含的各元件的結構、功能以及各元件之間的連接關係。The structure and function of each component included in the financial service system 100 of this embodiment and the connection relationship between each component will be described in detail below.

請參考第1圖,其為繪示根據本揭露之一實施方式之金融服務系統100的功能方塊圖。如第1圖所示,本實施方式之金融服務系統100包含自動櫃員機110以及伺服器120。伺服器120實體或通訊連接自動櫃員機110。自動櫃員機110配置以接受無卡提款請求以及提供實體貨幣(例如:鈔票)。伺服器120配置以在自動櫃員機110接受無卡提款請求之後執行驗證程序。伺服器120還配置以在驗證程序通過之後控制自動櫃員機110提供實體貨幣。Please refer to FIG. 1, which is a functional block diagram of the financial service system 100 according to an embodiment of the present disclosure. As shown in FIG. 1, the financial service system 100 of this embodiment includes an automated teller machine 110 and a server 120. The server 120 is physically or communicatively connected to the automated teller machine 110. The automated teller machine 110 is configured to accept cardless withdrawal requests and provide physical currency (for example, banknotes). The server 120 is configured to perform a verification procedure after the ATM 110 accepts a cardless withdrawal request. The server 120 is also configured to control the automated teller machine 110 to provide physical currency after the verification procedure is passed.

如第1圖所示,自動櫃員機110包含輸入單元112、顯示單元114以及吐鈔單元116。輸入單元112配置以接收無卡提款請求以及密碼輸入資料。顯示單元114配置以顯示使用者介面,該使用者介面包含條碼資訊與密碼輸入畫面。吐鈔單元116配置以提供實體貨幣。伺服器120包含通訊介面122、處理器124以及資料庫128。通訊介面122配置以使伺服器120通訊連接自動櫃員機110。資料庫128配置以儲存提款密碼資訊。As shown in FIG. 1, the automated teller machine 110 includes an input unit 112, a display unit 114, and a cash dispenser 116. The input unit 112 is configured to receive cardless withdrawal requests and password input data. The display unit 114 is configured to display a user interface, the user interface including bar code information and a password input screen. The banknote dispensing unit 116 is configured to provide physical currency. The server 120 includes a communication interface 122, a processor 124, and a database 128. The communication interface 122 is configured to enable the server 120 to communicate with the ATM 110. The database 128 is configured to store withdrawal password information.

如第2圖所示,金融服務系統100通訊連接電子裝置200。具體來說,通訊介面122配置以使伺服器120通訊連接自動櫃員機110以及電子裝置200,並接收來自電子裝置200的預約請求。處理器124配置以執行驗證程序,並包含控制單元125、推播單元126以及比對單元127。控制單元125配置以產生條碼資訊以及提款密碼資訊。推播單元126配置以推播提款密碼資訊至電子裝置200。比對單元127配置以將密碼輸入資料與提款密碼資訊進行比對。As shown in FIG. 2, the financial service system 100 is communicatively connected to the electronic device 200. Specifically, the communication interface 122 is configured to enable the server 120 to communicate with the ATM 110 and the electronic device 200, and to receive a reservation request from the electronic device 200. The processor 124 is configured to execute a verification program, and includes a control unit 125, a push unit 126, and a comparison unit 127. The control unit 125 is configured to generate barcode information and withdrawal password information. The pushing unit 126 is configured to push the withdrawal password information to the electronic device 200. The comparing unit 127 is configured to compare the password input data with the withdrawal password information.

藉由前述結構配置,當電子裝置200上發出預約請求,可以藉由自動櫃員機110的輸入單元112輸入無卡提款請求。然後,控制單元125經由自動櫃員機110的顯示單元114顯示條碼資訊,當電子裝置200對條碼資訊掃描之後,推播單元126推播提款密碼資訊至電子裝置200。當自動櫃員機110接受輸入自輸入單元112之密碼輸入資料,並且比對單元127判斷比對成功時,控制單元125控制自動櫃員機110的吐鈔單元116提供與預約請求相關聯之實體貨幣,以完成無卡提款服務。With the aforementioned structural configuration, when an appointment request is issued on the electronic device 200, the cardless withdrawal request can be input through the input unit 112 of the ATM 110. Then, the control unit 125 displays the barcode information via the display unit 114 of the ATM 110. After the electronic device 200 scans the barcode information, the push unit 126 pushes the withdrawal password information to the electronic device 200. When the ATM 110 accepts the password input data input from the input unit 112, and the comparison unit 127 determines that the comparison is successful, the control unit 125 controls the cash dispenser 116 of the ATM 110 to provide the physical currency associated with the reservation request to complete No card withdrawal service.

接下來將詳述金融服務系統100如何完成持卡人要求的無卡提款服務。Next, how the financial service system 100 completes the cardless withdrawal service required by the cardholder will be described in detail.

步驟(一):於電子裝置200上預約無卡提款。首先,持卡人可以於電子裝置200上預約無卡提款的先決條件為:持卡人已成為行動網銀應用程式(以下簡稱「網銀APP」)之用戶;持卡人已於銀行開立現金帳戶(通常於銀行開立現金帳戶時會獲得一實體金融卡);以及持卡人已於銀行辦理電子裝置200與帳戶資訊的綁定。確認持卡人符合以上先決條件之後,持卡人可以在電子裝置200上預約無卡提款。Step (1): Reserve a cardless withdrawal on the electronic device 200. First of all, the prerequisites for a cardholder to make an appointment for cardless withdrawal on the electronic device 200 are: the cardholder has become a user of the mobile online banking application (hereinafter referred to as the "Internet banking APP"); the cardholder has opened a cash bank Account (usually a physical financial card is obtained when the bank opens a cash account); and the cardholder has already completed the binding of the electronic device 200 with the account information in the bank. After confirming that the cardholder meets the above prerequisites, the cardholder can make an appointment for cardless withdrawal on the electronic device 200.

在一使用情境中,舉例來說,持卡人點選網銀APP畫面中的「預約無卡提款」。接著,網銀APP畫面顯示要求持卡人輸入提款帳號與提款金額的輸入畫面。接著,持卡人於網銀APP畫面完成提款帳號與提款金額的輸入之後,電子裝置200對伺服器120發出預約請求,即完成步驟(一)。In a usage scenario, for example, the cardholder clicks "Book a Cardless Withdrawal" on the screen of the online banking APP. Then, the online banking APP screen displays an input screen that requires the cardholder to enter the withdrawal account number and withdrawal amount. Then, after the cardholder completes the input of the withdrawal account number and the withdrawal amount on the online banking APP screen, the electronic device 200 sends a reservation request to the server 120, that is, step (1) is completed.

在一些實施方式中,電子裝置200可以是安裝有網銀APP的智慧型手機或平板電腦。以上僅為舉例,本揭露不意欲針對電子裝置200的類型進行限制。In some embodiments, the electronic device 200 may be a smart phone or a tablet computer with an online banking APP installed. The above are only examples, and the present disclosure does not intend to limit the type of the electronic device 200.

步驟(二):於自動櫃員機110提出無卡提款請求。在一使用情境中,持卡人在自動櫃員機110的輸入單元112輸入無卡提款請求。舉例來說,持卡人可以點選顯示單元114所顯示的使用者介面上之「無卡提款」選項或按壓與「無卡提款」選項對應的按鍵。在自動櫃員機110接受無卡提款請求後,伺服器120經由顯示單元114顯示條碼資訊。舉例來說,當持卡人點選使用者介面上之「無卡提款」選項之後,顯示單元114隨即顯示可供電子裝置200掃描的二維條碼(QR Code)。Step (2): Make a cardless withdrawal request at the ATM 110. In a usage scenario, the cardholder inputs a cardless withdrawal request at the input unit 112 of the ATM 110. For example, the cardholder can click on the "Cardless Withdrawal" option on the user interface displayed on the display unit 114 or press the button corresponding to the "Cardless Withdrawal" option. After the ATM 110 accepts the cardless withdrawal request, the server 120 displays the barcode information via the display unit 114. For example, when the cardholder clicks on the option of "Withdrawal without a Card" on the user interface, the display unit 114 immediately displays a QR Code that can be scanned by the electronic device 200.

在一些實施方式中,條碼資訊可以是二維條碼,但本揭露不以此為限。在一些實施方式中,條碼資訊可以是可供電子裝置200掃描的任何形式之條碼圖形。In some embodiments, the barcode information may be a two-dimensional barcode, but the disclosure is not limited to this. In some embodiments, the barcode information can be any form of barcode graphics that can be scanned by the electronic device 200.

步驟(三):利用電子裝置200掃描條碼資訊,以啟動驗證程序。在一使用情境中,持卡人持電子裝置200對條碼資訊掃描後,電子裝置200將經由行動網銀APP傳送此條碼資訊至伺服器120以執行驗證程序。舉例來說,持卡人藉由網銀APP開啟智慧型手機的相機鏡頭對顯示於顯示單元114上的條碼資訊掃描,當掃描完成後,電子裝置200隨即通知伺服器120續行驗證程序。Step (3): Use the electronic device 200 to scan the barcode information to start the verification process. In a usage scenario, after the cardholder holds the electronic device 200 to scan the barcode information, the electronic device 200 will send the barcode information to the server 120 via the mobile online banking APP to perform the verification process. For example, the cardholder scans the barcode information displayed on the display unit 114 by turning on the camera lens of the smartphone through the online banking APP. When the scanning is completed, the electronic device 200 immediately informs the server 120 to continue the verification process.

步驟(四):推播單元126推播提款密碼資訊至電子裝置200。在一使用情境中,當持卡人在步驟(三)中藉由電子裝置200掃描條碼資訊啟動驗證程序之後,控制單元125隨即產生提款密碼資訊。然後,推播單元126再以推播方式將提款密碼資訊推播至網銀APP畫面。舉例來說,提款密碼資訊可以是由一串數字組成,所以網銀APP畫面會顯示包含該一串數字之推播畫面。並且,在推播單元126推播提款密碼資訊至電子裝置200的同時,提款密碼資訊也被儲存於資料庫128中。Step (4): The pushing unit 126 pushes the withdrawal password information to the electronic device 200. In a usage scenario, after the cardholder initiates the verification process by scanning the barcode information by the electronic device 200 in step (3), the control unit 125 then generates the withdrawal password information. Then, the push broadcast unit 126 pushes the withdrawal password information to the screen of the online banking APP in a push broadcast manner. For example, the withdrawal password information can consist of a series of numbers, so the screen of the online banking APP will display a push screen containing the series of numbers. Moreover, while the pushing unit 126 pushes the withdrawal password information to the electronic device 200, the withdrawal password information is also stored in the database 128.

步驟(五):於自動櫃員機110輸入密碼輸入資料。在一使用情境中,當推播單元126將提款密碼資訊推播至網銀APP畫面時,伺服器120隨即經由自動櫃員機110的顯示單元114顯示密碼輸入畫面。接著,持卡人根據顯示於電子裝置200的提款密碼資訊於自動櫃員機110的輸入單元112輸入密碼輸入資料。舉例來說,持卡人可以在自動櫃員機110的數字鍵盤上輸入推播畫面上所顯示的數字。Step (5): Enter the password at the ATM 110 to enter the information. In a usage scenario, when the pushing unit 126 pushes the withdrawal password information to the online banking APP screen, the server 120 then displays the password input screen via the display unit 114 of the ATM 110. Then, the cardholder inputs the password input data into the input unit 112 of the ATM 110 according to the withdrawal password information displayed on the electronic device 200. For example, the cardholder can input the number displayed on the push screen on the numeric keypad of the ATM 110.

在一些實施方式中,在步驟(四)與步驟(五)中的提款密碼資訊可以由純數字組成,但本揭露不以此為限。在一些實施方式中,提款密碼資訊可以是由自動櫃員機110的數字鍵盤上可輸入的任何形式之字元所組成。In some embodiments, the withdrawal password information in step (4) and step (5) may consist of pure numbers, but this disclosure is not limited to this. In some embodiments, the withdrawal password information may be composed of any type of characters that can be input on the numeric keypad of the ATM 110.

步驟(六):驗證程序通過後,於自動櫃員機110提領現金。當自動櫃員機110接受經由輸入單元112輸入的密碼輸入資料後,若密碼輸入資料與提款密碼資訊匹配時,伺服器120判斷驗證程序通過。然後,自動櫃員機110的吐鈔單元116隨即提供與預約請求相關聯的實體貨幣。Step (6): After passing the verification procedure, withdraw cash at the ATM 110. After the automated teller machine 110 accepts the password input data input through the input unit 112, if the password input data matches the withdrawal password information, the server 120 determines that the verification process is passed. Then, the cash dispenser 116 of the automated teller machine 110 immediately provides the physical currency associated with the reservation request.

具體來說,當持卡人在步驟(五)中於自動櫃員機110輸入了密碼輸入資料後,伺服器120的比對單元127將儲存於資料庫128中的提款密碼資訊與密碼輸入資料進行比對。Specifically, when the cardholder enters the password input data at the ATM 110 in step (5), the comparison unit 127 of the server 120 performs the verification of the withdrawal password information and the password input data stored in the database 128 Comparison.

接著,當比對單元127判斷密碼輸入資料與提款密碼資訊比對成功之後,伺服器120的控制單元125控制自動櫃員機110提供與預約請求相關聯之實體貨幣。在一使用情境中,若持卡人輸入的提款密碼與推播畫面上的提款密碼資訊一致,則伺服器120的控制單元125控制吐鈔單元116提供與持卡人於電子裝置200發出的預約請求中輸入的提款金額價值相同的實體貨幣。Then, when the comparison unit 127 determines that the password input data is successfully compared with the withdrawal password information, the control unit 125 of the server 120 controls the ATM 110 to provide the physical currency associated with the reservation request. In a usage scenario, if the withdrawal password entered by the cardholder is consistent with the withdrawal password information on the push screen, the control unit 125 of the server 120 controls the dispensing unit 116 to provide the same with the cardholder on the electronic device 200 The value of the withdrawal amount entered in the appointment request is the same physical currency.

反之,當比對單元127判斷密碼輸入資料與提款密碼資訊比對失敗之後,伺服器120的控制單元125經由自動櫃員機110顯示拒絕存取畫面。在一使用情境中,若持卡人輸入的提款密碼與推播畫面上的提款密碼資訊不一致,則伺服器120的控制單元125控制顯示單元114的使用者介面顯示例如「交易失敗」的畫面。Conversely, when the comparison unit 127 determines that the password input data and the withdrawal password information have failed to be compared, the control unit 125 of the server 120 displays an access rejection screen via the automated teller machine 110. In a usage scenario, if the withdrawal password entered by the cardholder is inconsistent with the withdrawal password information on the push screen, the control unit 125 of the server 120 controls the user interface of the display unit 114 to display, for example, "transaction failed" Picture.

在一些實施方式中,若持卡人於步驟(六)中未通過驗證程序,伺服器120可以經由顯示單元114再度顯示密碼輸入畫面。In some embodiments, if the cardholder fails the verification procedure in step (6), the server 120 may display the password input screen through the display unit 114 again.

在一些實施方式中,伺服器120可以有限次數地允許持卡人未通過驗證程序(例如:伺服器120可以被設計為允許持卡人密碼輸入錯誤3次)。若持卡人未通過驗證程序的次數超越該有限次數,則伺服器120可以暫時封鎖持卡人的無卡提款服務。或者,伺服器120可以直接取消持卡人於電子裝置200上發出的預約請求。In some embodiments, the server 120 may allow the cardholder to fail the verification procedure for a limited number of times (for example, the server 120 may be designed to allow the cardholder to enter the wrong password 3 times). If the number of times the cardholder fails the verification procedure exceeds the limited number of times, the server 120 can temporarily block the cardholder's cardless withdrawal service. Alternatively, the server 120 may directly cancel the appointment request sent by the cardholder on the electronic device 200.

在一些實施方式中,實體貨幣可以是紙鈔,但本揭露不限於此。在一些實施方式中,如果自動櫃員機110具有提供硬幣的功能,則實體貨幣也可以包含硬幣。In some embodiments, the physical currency may be banknotes, but the present disclosure is not limited thereto. In some embodiments, if the ATM 110 has a function of providing coins, the physical currency may also include coins.

藉由以上步驟,持卡人即可透過金融服務系統100來完成無卡提款。Through the above steps, the cardholder can complete the cardless withdrawal through the financial service system 100.

由以上對於本揭露之具體實施方式之詳述,可以明顯地看出,於本揭露的金融服務系統中,規劃了提款密碼的推播以及客戶身分確認的機制,透過電子裝置掃描自動櫃員機提供的條碼資訊以及密碼驗證程序後,持卡人即可完成無卡提款的操作。於本揭露的金融服務系統中,不但而降低無卡提款建置成本,也能促使所有自動櫃員機均可在無建置無線感應器的情況下提供無卡提款服務。From the above detailed description of the specific implementation of this disclosure, it is obvious that in the financial service system of this disclosure, a mechanism for pushing and broadcasting the withdrawal password and confirming the identity of the customer is planned, which is provided by scanning the ATM through an electronic device After the barcode information and password verification process, the cardholder can complete the cardless withdrawal operation. In the financial service system disclosed in this disclosure, not only the cost of building a cardless withdrawal is reduced, but also all ATMs can provide cardless withdrawal services without a built-in wireless sensor.

雖然本揭露已以實施方式揭露如上,然其並不用以限定本揭露,任何熟習此技藝者,在不脫離本揭露的精神和範圍內,當可作各種的更動與潤飾,因此本揭露的保護範圍當視後附的申請專利範圍所界定者為準。Although this disclosure has been disclosed in the above implementation manner, it is not intended to limit this disclosure. Anyone who is familiar with this technique can make various changes and modifications without departing from the spirit and scope of this disclosure. Therefore, this disclosure is protected The scope shall be subject to the scope of the attached patent application.

100:金融服務系統 110:自動櫃員機 112:輸入單元 114:顯示單元 116:吐鈔單元 120:伺服器 122:通訊介面 124:處理器 125:控制單元 126:推播單元 127:比對單元 128:資料庫 200:電子裝置 100: Financial Services System 110: ATM 112: input unit 114: display unit 116: cash dispenser 120: server 122: Communication interface 124: Processor 125: control unit 126: Push Broadcast Unit 127: Comparison unit 128: database 200: Electronic device

為讓本揭露之上述和其他目的、特徵、優點與實施例能更明顯易懂,所附圖式之說明如下: 第1圖為繪示根據本揭露之一實施方式之金融服務系統的功能方塊圖。 第2圖為繪示根據本揭露之一實施方式之金融服務系統的詳細功能方塊圖。 In order to make the above and other objectives, features, advantages, and embodiments of this disclosure more comprehensible, the description of the accompanying drawings is as follows: Figure 1 is a functional block diagram of a financial service system according to an embodiment of the present disclosure. Figure 2 is a detailed functional block diagram of the financial service system according to an embodiment of the present disclosure.

100:金融服務系統 100: Financial Services System

110:自動櫃員機 110: ATM

112:輸入單元 112: input unit

114:顯示單元 114: display unit

116:吐鈔單元 116: cash dispenser

120:伺服器 120: server

122:通訊介面 122: Communication interface

124:處理器 124: Processor

125:控制單元 125: control unit

126:推播單元 126: Push Broadcast Unit

127:比對單元 127: Comparison unit

128:資料庫 128: database

200:電子裝置 200: Electronic device

Claims (10)

一種金融服務系統,包含: 一自動櫃員機,配置以提供一實體貨幣;以及 一伺服器,連接該自動櫃員機以及一電子裝置,並配置以: 在該自動櫃員機接受一無卡提款請求之後,執行一驗證程序,其中該驗證程序係透過該電子裝置掃描該自動櫃員機提供之一條碼資訊來執行;以及 在該驗證程序通過之後,控制該自動櫃員機提供該實體貨幣。 A financial service system, comprising: an automatic teller machine configured to provide a physical currency; and A server, connected to the ATM and an electronic device, and configured to: After the ATM accepts a cardless withdrawal request, execute a verification procedure, wherein the verification procedure is executed by scanning a barcode information provided by the ATM through the electronic device; and After the verification procedure is passed, the ATM is controlled to provide the physical currency. 如請求項1所述之金融服務系統,其中該伺服器進一步配置以: 在該電子裝置發出一預約請求之後,執行該驗證程序。 The financial service system according to claim 1, wherein the server is further configured to: After the electronic device sends a reservation request, the verification procedure is executed. 如請求項2所述之金融服務系統,其中該自動櫃員機進一步包含: 一輸入單元,配置以接收該無卡提款請求以及一密碼輸入資料;以及 一顯示單元,配置以顯示一使用者介面。 The financial service system according to claim 2, wherein the automated teller machine further includes: An input unit configured to receive the cardless withdrawal request and a password input data; and A display unit configured to display a user interface. 如請求項3所述之金融服務系統,其中該自動櫃員機進一步配置以: 在接受該無卡提款請求之後,顯示該條碼資訊於該顯示單元上。 The financial service system according to claim 3, wherein the automated teller machine is further configured to: After accepting the cardless withdrawal request, the barcode information is displayed on the display unit. 如請求項4所述之金融服務系統,其中該驗證程序係使該伺服器在該電子裝置掃描該條碼資訊時以推播方式將一提款密碼資訊發送至該電子裝置。The financial service system according to claim 4, wherein the verification process enables the server to send a withdrawal password information to the electronic device in a push broadcast mode when the electronic device scans the barcode information. 如請求項5所述之金融服務系統,其中該驗證程序係使該伺服器在該電子裝置掃描該條碼資訊時,經由該自動櫃員機之該顯示單元顯示一密碼輸入畫面。The financial service system according to claim 5, wherein the verification procedure enables the server to display a password input screen through the display unit of the ATM when the electronic device scans the barcode information. 如請求項5所述之金融服務系統,其中該驗證程序係使該伺服器在該自動櫃員機接收到之該密碼輸入資料與該提款密碼資訊匹配時,該伺服器判斷該驗證程序通過。The financial service system according to claim 5, wherein the verification procedure enables the server to determine that the verification procedure passes when the password input data received by the ATM matches the withdrawal password information. 如請求項7所述之金融服務系統,其中該伺服器進一步包含一比對單元,該比對單元配置以: 將該密碼輸入資料與該提款密碼資訊進行比對。 The financial service system according to claim 7, wherein the server further includes a comparison unit configured to: Compare the password input data with the withdrawal password information. 如請求項8所述之金融服務系統,其中該伺服器進一步配置以: 在該比對單元判斷該密碼輸入資料與該提款密碼資訊比對成功之後,控制該自動櫃員機提供與該預約請求相關聯之該實體貨幣。 The financial service system according to claim 8, wherein the server is further configured to: After the comparison unit determines that the password input data is successfully compared with the withdrawal password information, the automatic teller machine is controlled to provide the physical currency associated with the reservation request. 如請求項8所述之金融服務系統,其中該伺服器進一步配置以: 在該比對單元判斷該密碼輸入資料與該提款密碼資訊比對失敗之後,經由該自動櫃員機之該顯示單元顯示一拒絕存取畫面。 The financial service system according to claim 8, wherein the server is further configured to: After the comparison unit determines that the password input data and the withdrawal password information have failed to be compared, an access rejection screen is displayed through the display unit of the ATM.
TW110210468U 2021-09-03 2021-09-03 Financial service system TWM620782U (en)

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