TWM620782U - Financial service system - Google Patents

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

Financial Service System

This disclosure relates to a financial service system, especially a financial service system for cardless withdrawal.

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.

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.

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.

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.

In view of this, one purpose of this disclosure is to provide a financial service system that can solve the above-mentioned problems.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

The term "matching" mentioned in this disclosure means that multiple pieces of information are matched and matched with each other.

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.

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.

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.

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.

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.

Next, how the financial service system 100 completes the cardless withdrawal service required by the cardholder will be described in detail.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Through the above steps, the cardholder can complete the cardless withdrawal through the financial service system 100.

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.

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: 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

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: 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

Claims (10)

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. 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. 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. 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. 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. 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. 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. 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. 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. 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.

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