TWM631220U - Cardless withdrawal system with automatic push notification - Google Patents

Abstract

A cardless cash withdrawal system with automatic push broadcast, which utilizes an application program and uses a user device to perform a cardless cash withdrawal service at an automatic teller machine, wherein the user device has a communication module and a positioning module, and the application program It also includes: a setting module for setting the cardless cash withdrawal service and user account information; a database for storing the user account information and the first geographic data of the ATM; a comparison module for comparing the first a geographic data and second geographic data generated by the positioning module; and a verification module for performing the first identity verification and the second identity verification of the cardless cash withdrawal service, and generating the first identity verification result and/or the second identity verification Authentication result.

Description

Automatic push broadcast without card withdrawal system

The present invention discloses a cardless cash withdrawal system with automatic push broadcast, especially a cardless cash withdrawal system with automatic push broadcast which simplifies the cardless cash withdrawal service through the Global Positioning System (GPS).

In today's technology, when the public needs to withdraw money without a card, in most cases, they need to apply for a cardless withdrawal service before the online bank, and write down the withdrawal serial number, the withdrawal amount and the transaction generated by the online bank. After entering the password, you can click on the cardless cash withdrawal service at the physical ATM, and enter the relevant serial number, amount and password of each of the above transactions to complete the cardless cash withdrawal. However, these serial numbers are usually generated by random numbers, which are not only lengthy and difficult to remember, but also prone to errors when inputting, which leads to the unsmooth withdrawal process.

Since then, although other methods have been developed to achieve the cardless cash withdrawal service by means of the global positioning system, the cardless cash withdrawal business can only be carried out after the public has manually sent the cardless cash withdrawal request in advance. .

Therefore, how to develop a more simplified operation process that can not only combine the GPS, but also automatically broadcast whether people want to withdraw money without a card has become an issue to be solved.

The purpose of the present invention is to provide a cardless cash withdrawal system and method for automatic push broadcasting, which utilizes a global positioning system (GPS) and a user device to perform a cardless cash withdrawal service, including the following steps: the user utilizes the following steps: The user device downloads the application to activate the cardless cash withdrawal service, and the application downloads the first geographic data of the ATM. The above-mentioned application program receives the second geographic data generated by the user device through the global positioning system, and compares the first geographic data with the second geographic data. When the distance between the first geographic data and the second geographic data is less than the preset value, the application program sends an automatic push message to the user device to remind the user device to perform the cardless cash withdrawal service. After passing the first identity verification and the second identity verification, the ATM will complete the cardless cash withdrawal service according to the withdrawal information.

Optionally, in the step of activating the cardless cash withdrawal service, it further includes: setting user account information in the application program, agreeing to activate the cardless cash withdrawal service in the application program, and enabling the positioning function of the user device. The user account information includes the user's name, identity card number, date of birth, account information, biometric information or a combination thereof.

Optionally, the new cardless withdrawal method of automatic push broadcast further includes: when clicking the automatic push broadcast message and agreeing to perform the cardless withdrawal service, selecting the automatic cardless withdrawal service in the application program. The teller machine uses the user's device to perform the first identity verification. Furthermore, when the verification is successful, the first identity verification result is transmitted to the ATM and the application. Finally, the ATM screen displays the withdrawal screen.

Optionally, the new cardless withdrawal method of automatic push broadcast further includes: when the automatic push broadcast message is clicked and the cardless withdrawal service is agreed, the application program automatically selects one of the first geographic data and the second geographic data. , the ATM with the smallest distance, using the user device Perform this first authentication. Furthermore, when the verification is successful, a first identity verification result is transmitted to the ATM and the application, and finally, the screen of the ATM displays a withdrawal screen.

Optionally, the cardless withdrawal method for automatic push broadcast of the present invention further includes: after the user inputs the withdrawal amount on the withdrawal screen, the ATM returns the withdrawal amount to the user device.

Optionally, the cardless withdrawal method for automatic push broadcast of the present invention further includes: when the automatic push broadcast message is clicked and the cardless withdrawal service is refused, automatically no longer displayed on the user device and the user device within a preset time. /or when the user does not respond to the automatic push message, and the distance between the first geographic data and the second geographic data is greater than a preset value, the automatic push message is no longer displayed on the user device.

Optionally, the new automatic push broadcast method for cardless cash withdrawal further includes the following steps: the ATM sends the withdrawal information back to the application program, and the application program sends a confirmation transaction permission to the user device, and after agreeing to the transaction confirmation permission , the user device performs the second identity verification, and when the verification is successful, the ATM completes the cardless cash withdrawal service according to the withdrawal information.

In addition, the novel automatic push broadcast cardless cash withdrawal system includes an application program for performing cardless cash withdrawal service at the automatic teller machine through a user device, wherein the user device has a communication module and a positioning module. group, and the above application program further includes: a configuration module, a database, a comparison module and a verification module. The setting module signal is connected to the communication module for setting the cardless cash withdrawal service and user account information. The database signal connection setting module is used for storing the user account information and the first geographic data of the ATM. The signal connection database of the comparison module is used for comparing the first geographic data of the automatic teller machine with the second geographic data generated by the positioning module. The verification module signal is connected to the communication module and the ATM, and is used to perform the first identity verification and the second identity verification of the cardless cash withdrawal service, and generate the first identity verification result and/or the second identity verification result.

Optionally, the above-mentioned user account information includes the user's name, identity card number, date of birth, phone number, account information, biometric information or a combination thereof.

Optionally, when the distance between the first geographic data and the second geographic data is less than a preset value, the comparison module sends an automatic push message to the communication module.

Optionally, the new automatic push broadcast cardless withdrawal system further includes: when the automatic push broadcast message is clicked and the cardless withdrawal service is refused, the user device will no longer display the automatic push broadcast message within a preset time. disappear and/or when the automatic push message is not responded to, and the distance between the first geographic data and the second geographic data is greater than a preset value, the user device no longer displays the automatic push message.

Optionally, the new automatic push broadcast cardless cash withdrawal system further includes: after passing the first identity verification and the second identity verification, the ATM completes the cardless cash withdrawal service according to the withdrawal information.

Optionally, the new automatic push broadcast cardless withdrawal system further includes: after completing the first identity verification, the verification module sends a confirmation transaction permission to the communication module, and after agreeing to the transaction confirmation permission, the verification module performs the first authentication. Two-factor authentication.

Optionally, the first identity verification and the second identity verification include at least one verification factor, and the verification factor includes a knowledge factor, a possession factor, and an inherent factor or a combination thereof.

To sum up, the new method and system for automatic push and no card withdrawal can be automatically compared with the global positioning system to automatically push the user to ask whether the cardless withdrawal is required, when the user agrees to withdraw After completing the high-security and high-efficiency verification operation, you can withdraw cash without a card. Therefore, the overall process for users to withdraw money without a card is smoother, and there is no need to manually send a withdrawal without a card in advance.

10: Automatic push broadcast without card withdrawal system

100: Apps

110: Setting the module

120:Database

130: Comparison module

140: Verification Module

200: User Device

210: Communication module

220: Positioning module

300: ATM

The accompanying drawings are provided to enable those having ordinary skill in the art to which the present invention pertains to further understand the present invention, and are incorporated in and constitute a part of the description of the present invention. The drawings illustrate exemplary embodiments of the invention, and together with the description of the invention serve to explain the principles of the invention. The following is a brief description of each figure of the new model: FIG. 1 is a functional block diagram of a method and system for automatic push broadcast without a card withdrawal according to an embodiment of the present invention.

FIG. 2 is a flow chart of the operation of the method and system for automatic push broadcast without card withdrawal according to an embodiment of the present invention.

FIG. 3 is another operation flow chart of the method and system for automatic push broadcast without card withdrawal according to an embodiment of the present invention.

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. . Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without making progressive contributions shall fall within the protection scope of the present invention.

In view of the above problems, an embodiment of the present invention develops a cardless cash withdrawal system and method for automatic push broadcasting, which utilizes a global positioning system and a user device to perform a cardless cash withdrawal service, at least including the following steps: Use the user device to download the application to activate the cardless cash withdrawal service, and the application to download the first geographic data of the ATM.

The application program receives the second geographic data generated by the user device via the GPS, and compares it with the first geographic data of the ATM.

When the distance between the first geographic data and the second geographic data is less than the preset value, the application program sends an automatic push message to the user device to remind the user device to perform the cardless cash withdrawal service.

After passing the first identity verification and the second identity verification, the cardless withdrawal will be completed by the ATM according to the withdrawal information.

For example, the above-mentioned application program can be, for example, an online banking application program of a bank, but the present invention is not limited to this.

Then, after the Internet banking application is downloaded by the user device, the application will store the geographic data of all currently logged-in ATMs on the user device (ie, the first geographic data). Then, the above-mentioned application program receives the geographic data (ie, the second geographic data) of the user device, and compares the second geographic data with the first geographic data.

Once the distance between the first geographic data and the second geographic data is smaller than the preset value, the application will send an automatic push message to the user device, the content of the message is to ask the user whether to perform a cardless withdrawal. After the user agrees to withdraw money without a card, the first identity verification and the second identity verification will be carried out. And when the above verifications are successful, the ATM will complete the cardless withdrawal according to the withdrawal information.

The above-mentioned withdrawal information includes the withdrawal amount input by the user in the ATM and the bank account information of the user, but the present invention is not limited to this.

It is worth noting that, in a preferred embodiment, after downloading the application, the user needs to set user account information in the application first, and the user account information includes the user's name, phone number, and ID number. , bank account information, biometric information or a combination thereof (but this new model is not limited to this).

After completing the account setting, the app will be defaulted to enable the cardless cash withdrawal service, and at the same time enable the positioning function of the user's device to obtain relevant geographic data. However, if the user thinks that there is no such requirement, he or she can disable the function of the cardless cash withdrawal service in the settings of the application.

In addition, the user can also choose different positioning methods, for example, he or she can choose to enable the positioning function of the user's device during the use of the application, or allow the above-mentioned application to detect the geographic location of the user's device at any time. It is preferable to adopt a positioning method that enables the above-mentioned application to detect the geographic location of the user's device at any time.

Next, please refer to FIG. 2 . FIG. 2 is an operation flow chart of the method and system for automatically pushing and broadcasting cashless cash withdrawal according to an embodiment of the present invention. In step S200 of FIG. 2 , the user agrees to activate the cardless cash withdrawal service, and has also set the user account information.

In steps S204-S206 of FIG. 2, the comparison module 130 in the application program will compare the first geographic data of the ATM 300 and the second geographic data of the user device 200, when the distance between the two is less than one When the default value (for example, less than one meter, but the present invention is not limited to this), proceed to step S210. Conversely, when the distance between the two is greater than the preset value, step S208 is performed, that is, the application program does not send a push message (does not trigger a reminder).

In step S210, a reminder is triggered, and the above-mentioned reminder will be an automatic push message. If the user decides to withdraw money without a card at this time, step S216 is continued. On the contrary, if the user does not perform the withdrawal without a card, the process proceeds to step S214, and the operation of the withdrawal without a card is ended.

In step S216, the user agrees to perform cardless cash withdrawal, and selects the ATM to withdraw cash from the application. It is worth noting that this is because some counters with ATMs will set up several ATMs at a time, so it is possible to compare the first geographic data of multiple ATMs with the second geographic data of the user's device at the same time. The distance between the data will be smaller than the default value. Therefore, a better way is that the app automatically locks the nearest ATM to allow the user to withdraw cash without a card; alternatively, it is also possible for the user to select the ATM to withdraw money from the app.

However, if there is only one ATM nearby that meets the criteria, simply select that ATM. Alternatively, the application program may automatically select the ATM to provide the user's device to perform the cardless cash withdrawal service, and then continue the operation of the first identity verification.

Next, perform the first identity authentication, that is, the authentication between the user's device and the application, to confirm that the person who wants to perform the cardless withdrawal service is the one who set the user's account information in the first place, so as to reduce the risk of being stolen. risk. The authentication method can be, for example, fingerprint recognition, face recognition, voiceprint recognition, transaction passwords set in advance by the user, etc. (but the present invention is not limited to this). After the first identity verification is passed, step S218 is continued. On the other hand, if the first identity verification fails, the process proceeds to step S214 to end the current cardless withdrawal operation.

In step S218, after the first identity verification is passed, the ATM sends the withdrawal amount and the bank account information to be withdrawn back to the application, and the application will display a transaction confirmation permission. After the user agrees to conduct the transaction, the second authentication is performed at this time. This is another authentication between the user device and the application. After the second identity verification is passed, step S220 is continued. Conversely, when the second identity verification fails, such as a wrong fingerprint identification or a wrong input of a transaction password (but the present invention is not limited to this), the process returns to step S214 to end the current cardless withdrawal operation.

In step S220, after the second identity verification is passed, the ATM issues money according to the withdrawal amount and bank account information to complete the transaction operation of cardless withdrawal.

Further, in the step of selecting whether to withdraw money without a card after triggering the reminder, a more detailed description can be made with reference to FIG. 3 , which is a method and system for withdrawing money without a card according to an embodiment of the present invention. Another job flow chart for . In step S310 of FIG. 3 , when the distance between the first geographic data and the second geographic data is less than the preset value, a reminder (that is, an automatic push message) is triggered, and then the step S312 is continued, and the user decides whether to perform a cardless pickup or not. payment.

Wherein, when the user agrees to withdraw money without a card, proceed to step S314, and after each identity verification is completed and passed, the withdrawal transaction without a card is completed. And when the user sees the automatic push message, but does not need to withdraw money without a card at the moment, and clicks to disagree, then proceeds to step S316, the automatic push message will disappear, and will not be sent again within a certain preset time. remind.

Furthermore, when the application program automatically pushes the message, but the user ignores the automatic push message, the process proceeds to step S318. In step S318, when the user ignores the automatic push message until the distance between the first geographic data and the second geographic data is greater than the preset value, the process proceeds to step S316, and the automatic push message disappears automatically. When the user ignores the automatic push message, but the distance between the first geographic data and the second geographic data is always smaller than the default value, the process proceeds to step S320, and after a period of time, the application program determines that the user does not perform cardless pickup The above-mentioned automatic push messages will also disappear automatically.

In addition to the above-mentioned automatic push broadcast without card withdrawal method, the present invention also provides an automatic push broadcast without card withdrawal system, please refer to FIG. A functional block diagram of the method and system. The novel automatic push broadcast cardless cash withdrawal system 10 includes an application program 100 for performing cardless cash withdrawal service at the ATM 300 through the user device 200 , wherein the user device 200 has a communication module 210 and positioning module 220 .

Based on the above, the application program 100 further includes: a setting module 110 , a database 120 , a comparison module 130 and a verification module 140 . The setting module 110 is connected to the user device 200 with a signal for setting the cardless cash withdrawal service and user account information. The database 120 is connected to the setting module 110 by a signal for storing the user account information and the first geographic data of the ATM 300 . The comparison module 130 is connected to the database 120 with a signal for comparing the first geographic data of the ATM 300 with the second geographic data of the user device 200 . The verification module 140 is connected to the user device 200 and the ATM 300 by a signal for performing a comparison between the first identity verification and the second identity verification for cardless cash withdrawal, and generating the first identity verification result and/or the second identity verification result.

Please also refer to FIG. 2 here for a detailed description of the implementation of the new automatic push broadcast cardless cash withdrawal system. FIG. 2 is a flow chart of the operation of the method and system for automatic push broadcast without card withdrawal according to an embodiment of the present invention. In step S200 of FIG. 2 , the user agrees to activate the cardless cash withdrawal service, and has also set the user account information.

That is, the user uses the user device 200 to download the application 100 (for example, an online banking application, but the present invention is not limited to this), input the user account information in the setting module 110, and then use the The setting module 110 transmits the setting and user account information for agreeing to open the cardless cash withdrawal service to the database 120 for storage, and the above-mentioned database 120 will be stored in the database 120. After the user downloads the above-mentioned application program, the first geographic data of the ATM 300 is downloaded and stored together with it.

It is worth mentioning that the first geographic data of the ATM 300 can also be updated in real time by connecting to an external bank server (not shown in the figure), so as to avoid when an ATM is removed, The application 100 uses the wrong geographic data and accidentally triggers the automatic push function.

In steps S204-S206 of FIG. 2, the comparison module 130 in the application 100 compares the first geographic data of the ATM 300 and the second geographic data of the user device 200, when the distance between the two is less than one When the default value (for example, less than one meter, but the present invention is not limited to this), proceed to step S210. On the contrary, when the distance between the two is greater than the preset value, step S208 is performed, that is, the reminder is not triggered.

It is worth noting that, in this embodiment, the second geographic data of the user device 200 is obtained through the positioning module 220 in the user device 200 and transmitted to the comparison module 130 through the communication module 210 for comparison. Operation.

In step S210 , the automatic push message is displayed on the user device 200 through the communication module 210 . If the user decides to withdraw money without a card at this time, step S216 is continued. On the contrary, if the user does not perform the withdrawal without a card, the process proceeds to step S214, and the operation of the withdrawal without a card is ended.

In step S216 , the user agrees to withdraw money without a card, and selects the ATM 300 to withdraw money in the application 100 . Alternatively, when the user agrees to perform cardless cash withdrawal, an ATM 300 may be automatically selected to provide the user device 200 with the cardless cash withdrawal service, without requiring the user to manually select, and directly proceed to the first step. an identity verification The business, that is, the authentication between the user device 200 and the application 100, is used to confirm that the user who wants to perform the cardless cash withdrawal service is consistent with the user account information set initially.

After the first identity verification is passed, step S218 is continued. On the other hand, if the first identity verification fails, the process proceeds to step S214 to end the current cardless withdrawal operation.

In step S218 , after the first identity verification is passed, the ATM 300 sends the withdrawal amount and bank account information back to the application 100 , and displays a confirmation transaction permission through the communication module 210 . After the user agrees to conduct the transaction, the second identity verification is performed at this time, that is, the verification between the user device 200 and the application program 100 is performed again. After the second identity verification is passed, step S220 is continued. Conversely, when the second identity verification fails, the process returns to step S214 to end the current cardless withdrawal operation. In step S220, after the second identity verification is passed, the ATM 300 issues money according to the withdrawal amount and the bank account information to complete the transaction operation of cardless withdrawal.

Next, please refer to FIG. 3 again to describe in detail the further application of the new automatic push broadcast cardless cash withdrawal system. FIG. 3 is another operation flow chart of the method and system for automatic push broadcast without card withdrawal according to an embodiment of the present invention.

In step S310, when the distance between the first geographic data of the ATM 300 stored in the database 120 and the detected second geographic data of the user device 200 is less than a preset value, a reminder (that is, an automatic push notification is triggered) is triggered. broadcast message) and display it on the user device 200, and then proceed to step S312, the user will decide whether to perform a cardless withdrawal.

When the user agrees to withdraw money without a card, the process proceeds to step S314, and after each identity verification is completed and passed, the transaction of withdrawal without a card is completed. And when the user sees the automatic push broadcast information, but there is no demand for card withdrawal at the moment, if you click disagree, go to step S316, the automatic push message will no longer be displayed, and no reminder will be sent again within a certain preset time.

It is worth noting that the above preset time may be the preset time input by the user when setting the cardless cash withdrawal function, or may be automatically set in the automatic push cardless cash withdrawal system 10. The preset time of the new model is not limited to this.

Furthermore, when the automatic push message is displayed, but the user ignores the automatic push message, the process proceeds to step S318. In step S318, when the user ignores the automatic push message until the distance between the first geographic data of the ATM 300 and the second geographic data of the user device 200 is greater than the preset value, for example, the customer has completed other financial services After leaving the financial institution, the step S316 is continued, and the automatic push message disappears automatically.

When the user ignores the automatic push message, but the distance between the first geographic data and the second geographic data is always smaller than the default value, for example, the user is only here to open a new financial account instead of withdrawing money, then continue In step S320, after a period of time, the application 100 determines that the user does not need to withdraw money without a card, and the above-mentioned automatic push message will also disappear automatically.

In addition, the novel automatic push broadcast method and system for cardless cash withdrawal can also have a smart reminder mechanism, which can analyze the user's usual consumption by connecting to an external bank server (not shown in the figure). And according to consumption habits, other reminder information will be put into the automatic push message to remind users to perform cardless withdrawal service.

For example, a user regularly pays a credit card fee in cash mid-month. Therefore, when the middle of the month is approaching, and the user happens to be located at a position where the distance between the first geographic data and the second geographic data is less than the preset value, the automatic push message sent by the application program 100 will also remind the user that there is a recent Card fees need to be paid, whether cardless withdrawal service is required for cash payment satisfied. In this way, the convenience of the cardless cash withdrawal service can be improved, and it is also close to the habits of different users.

Finally, the novel automatic push broadcast method and system for cardless cash withdrawal, the user device implemented thereon can be a smart phone, a tablet computer, a notebook computer or other wearable devices, as long as it is a portable device In addition, the electronic devices with positioning and communication functions are all devices that can be implemented according to the present invention, and the present invention is not limited thereto.

To sum up, the new cardless withdrawal method and system for automatic push broadcasting has the following effects:

(1) It is no longer necessary to send the cardless withdrawal request by yourself, but when the conditions are met, the user's device can receive a message whether cardless withdrawal is required.

(2) It has multiple verification operations to ensure the security of cardless withdrawal.

(3) Simplifying the operation process of cardless withdrawal in the prior art, improving efficiency and optimizing user experience.

Although the embodiments of the present invention have been shown and described, it will be understood by those skilled in the art that various changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principle and spirit of the invention Variations, the scope of the present invention is defined by the appended claims and their equivalents.

10: Automatic push broadcast without card withdrawal system

100: Apps

110: Setting the module

120:Database

130: Comparison module

140: Verification Module

200: User Device

210: Communication module

220: Positioning module

300: ATM

Claims (7)

An automatic push broadcast cardless cash withdrawal system, comprising an application program for performing a cardless cash withdrawal service at an automatic teller machine through a user device, wherein the user device has a communication module and a positioning module, and the application program further includes: a setting module, the signal is connected to the user device, used for setting the cardless cash withdrawal service and a user account information; a database, the signal is connected to the setting module, using storing the user account information and a first geographic data of the automatic teller machine; a comparison module, the signal is connected to the database for comparing the first geographic data of the automatic teller machine with the data generated by the positioning module a second geographic data; and a verification module for signally connecting the user device and the ATM for performing a first identity verification and a second identity verification of the cardless cash withdrawal service, and generating a first identity verification results and/or a secondary identity verification result. The automatic push cardless cash withdrawal system according to claim 1, wherein the user account information includes a name of the user, an identity card number, a date of birth, a phone number, an account information, a Biometric information or a combination thereof. The automatic push broadcast cardless cash withdrawal system according to claim 1, wherein when the distance between the first geographic data and the second geographic data is less than a preset value, the comparison module sends an automatic message to the communication module Push message. The automatic push cardless cash withdrawal system as described in claim 3, wherein: When clicking on the automatic push message and refusing to perform the cardless cash withdrawal service, the user device will no longer display the automatic push message within a preset time; and when the automatic push message is not responded to, and the When the distance between the first geographic data and the second geographic data is greater than the preset value, the user device no longer displays the automatic push message. The automatic push cardless cash withdrawal system as described in claim 1, further comprising: after passing the first identity verification and the second identity verification, the ATM completes the cardless cash withdrawal service according to a withdrawal information. The automatic push cardless cash withdrawal system according to claim 1, wherein after completing the first identity verification, further comprising: the verification module sending a confirmation transaction permission to the communication module; and when agreeing to the transaction confirmation After permission, the authentication module performs the second authentication. The automatic push cardless cash withdrawal system as claimed in claim 5, wherein the first identity verification and the second identity verification comprise at least one verification factor, and the at least one verification factor comprises a knowledge factor, a holding factor, and an intrinsic factor or a combination thereof.

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