TWM651608U - System for cardless withdrawal using electronic device - Google Patents

Abstract

A system for cardless withdrawal using electronic devices includes a server, an automatic teller machine (ATM) including a communication module and a trigger module, and a verification module. The communication module is configured to connect the server. The trigger module is configured to generate a start signal after receiving a trigger signal. The verification module is configured to perform a verification process based on the generation of the start signal. The verification process includes: comparing a first verification data received by the ATM with financial card information in the server; when the first verification data matches a card number data and a client-side password data of one of the financial card information, comparing a second verification data received by the ATM with a host-side password data of the one of the financial card information; and generating a cardless transaction permission signal when the second verification data matches the host-side password data.

Description

System for cardless withdrawal using electronic devices

This invention relates to a cardless service system, especially a system for cardless withdrawal using electronic devices.

With the rapid development of science and technology, electronic devices are all developing towards more convenience and multi-function. In existing automatic teller machine (ATM) cash withdrawal applications, most require the cashier to withdraw money through a debit card.

Carrying multiple financial cards and repeatedly entering withdrawal information will cause inconvenience to the withdrawer. In order to solve this problem, cardless withdrawal came into being. The current 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 reservation on the mobile online banking APP and obtains a special serial number. Then, the cardholder goes to the ATM within the time limit and enters the above-mentioned special serial number, and then enters the amount to be withdrawn, thereby completing the cardless withdrawal operation.

However, after the cardless withdrawals at ATMs currently provided by peers are opened with one-time password (OTP) authentication, each cardless withdrawal needs to log in to the mobile online banking APP to make an appointment to obtain the serial number, and then enter the serial number at the physical ATM within the time limit. Withdrawing money is a very cumbersome process.

In order to solve the above problems and improve user convenience, relevant fields have tried their best to find solutions, but for a long time, appropriate solutions have not been developed.

In order to solve the above problems, this invention provides a system for cardless withdrawal using electronic devices. The system includes servers, ATMs and verification modules. The server stores multiple financial card information. Each financial card information includes card number information, user-side password information and host-side password information. The ATM includes a communication module and a trigger module. Communication module configured to connect to the server. The trigger module is configured to generate a start signal after receiving the trigger signal. The verification module is configured to perform the verification process based on the generation of the enable signal. The verification process includes: comparing the first verification information received by the ATM with the financial card information in the server; when the first verification information matches the card number information and client password information of one of the financial card information, Compare the second verification data received by the ATM with the host-side password data of the financial card data; and generate a card-not-present transaction permission signal when the second verification data matches the host-side password data.

In one or more implementations of the present invention, the trigger module is further configured to receive the first verification data.

In one or more implementations of the invention, the trigger module is a near-field communication (NFC) reader.

In one or more implementations of the present invention, the verification module is provided in the server and configured to connect to the trigger module via the communication module.

In one or more implementations of the present invention, the verification module is provided in the automatic teller machine.

In one or more implementations of this invention, the verification program further includes: stopping the verification program when the first verification data is not received within a predetermined time for executing the verification program.

In one or more implementations of the present invention, the ATM further includes an input module. Enter module configuration to receive secondary verification data.

In one or more implementations of the invention, the ATM further includes a prompt module. The verification program further includes: generating a prompt signal requesting input of the first verification data to the prompt module.

In one or more implementations of the invention, the ATM further includes a prompt module. The verification program further includes: when the first verification data matches the card number data and client password data, generating a prompt signal requiring input of the second verification data to the prompt module.

In one or more implementations of the present invention, the ATM further includes a service module. The verification process further includes: enabling the service module to provide transaction services based on the card-not-present transaction permission signal, where the transaction services include cash withdrawal services.

To sum up, in the system of using electronic devices for cardless withdrawals of this invention, the verification process executed by the verification module can first be done by comparing the first verification data received by the ATM with one of the financial card data. The user's card number information and client password information are matched to confirm the user identity corresponding to the first verification information, and then the user's identity is determined by comparing the second verification information received by the ATM with the user's host password information in the financial card information. Whether to provide card-not-present transaction services. In this way, the system allows users to use card-not-present transaction services with good security control mechanisms through simple operating procedures.

The above is only used to describe the problems to be solved by this invention, the technical means to solve the problems, the effects thereof, etc. The specific details of this invention will be introduced in detail in the implementation manner and related drawings below.

A plurality of implementations of the invention will be disclosed below with diagrams. For the sake of clarity, many practical details will be explained in the following description. However, it should be understood that these practical details should not be used to limit the invention. That is to say, in some implementations of this invention, these practical details are not necessary. In addition, for the sake of simplifying the drawings, some commonly used structures and components will be illustrated in a simple schematic manner in the drawings.

The "connection" used in this creation can refer to two or more components communicating with each other, making direct physical or electrical contact with each other, or indirectly making physical or electrical contact with each other. It can also refer to two or more components. Interoperability or actions, or connecting them via the Internet do not depart from the spirit and scope of this creation. Furthermore, the systems, devices, components and electronic servers used in this creation can operate on each independent computer host or device, or can also operate and be integrated into one or more computer hosts or devices. equipment, they do not deviate from the spirit and scope of this creation.

Please refer to picture 1. Figure 1 is a functional block diagram illustrating a system 100 for cardless withdrawal using an electronic device according to an embodiment of the present invention. As shown in FIG. 1 , in this embodiment, the system 100 includes a server 110 and an ATM 120 . The server 110 stores a plurality of financial card information. Each financial card information includes card number information, user-side password information and host-side password information. Specifically, in this embodiment, the server 110 includes a database 111 . The database 111 stores the aforementioned financial card information.

As shown in FIG. 1 , in this embodiment, the ATM 120 includes a communication module 121 and a trigger module 122 . The communication module 121 is configured to connect to the server 110 . The trigger module 122 is configured to generate a start signal after receiving the trigger signal.

In some embodiments, the connection between the communication module 121 and the server 110 can be connected through a wireless network, for example, a radio frequency device, a baseband device, an antenna or other similar components including a wireless network function or the above-mentioned components can be used. combination. The connection between the communication module 121 and the server 110 can also be connected through a wired network, for example, an Ethernet network card including a wired network function can be used.

In some embodiments, the trigger module 122 may be a near-field communication (NFC) reader. Correspondingly, the trigger signal received by the trigger module 122 is a signal that complies with the NFC format.

In some other implementations, the trigger module 122 may use other short-range wireless transmission technologies, such as infrared, Bluetooth, ZigBee, ANT, etc.

As shown in Figure 1, a user sends a trigger signal through his electronic device 900. The electronic device 900 is an electronic product with an NFC transceiver module (not shown). For example, the electronic device 900 is an electronic product such as a smart phone, a smart watch, a tablet computer, etc., but the disclosure is not limited thereto. In the embodiment where the electronic device 900 is a smart watch, when the user approaches the trigger module 122 of the ATM 120 with the smart watch having its NFC transceiver module activated, the trigger module 122 will generate a activation signal accordingly. .

As shown in Figure 1, in this embodiment, the system 100 further includes a verification module 130. The verification module 130 is disposed in the server 110 and configured to connect to the trigger module 122 via the communication module 121 of the ATM 120 . The verification module 130 is configured to perform the verification process according to the generation of the activation signal.

In some embodiments, the verification process includes: comparing the first verification data received by the ATM 120 with the financial card information in the server 110; and comparing the card number information of one of the first verification data and the financial card data. When the user-side password information matches, the second verification data received by the ATM 120 is compared with the host-side password data of the person in the financial card information; and when the second verification data matches the host-side password data, Generates a card-not-present transaction permission signal.

In some implementations, the trigger module 122 is further configured to receive the first verification data. In other words, the trigger module 122 can be used to receive the trigger signal and the first verification data. In some other implementations, the ATM 120 may include an additional receiving module (not shown) to receive the first verification data.

In the embodiment where the electronic device 900 is a smart watch, the user can register the card number information of his financial card in the electronic wallet of the smart watch in advance, and at the same time set the wallet password corresponding to the financial card in the electronic wallet (i.e., the client password information ). When the user opens the e-wallet and enters the user-side password information, the smart watch sends the first verification data containing the user's financial card number information and the user-side password information in NFC format.

As mentioned above, the database 111 of the server 110 has pre-stored the card number information and client password information of the financial card. Therefore, when the user brings the smart watch that sends the first verification data close to the trigger module 122 of the ATM 120, the trigger is triggered. Module 122 can receive this first verification data. Next, the verification module 130 compares the first verification data received by the ATM 120 with the financial card data in the server 110 . When the first verification information matches the card number information and client password information of one of the financial card information, the verification module 130 can confirm the user identity corresponding to the first verification information.

As shown in FIG. 1 , in this embodiment, the ATM 120 further includes an input module 123 . The input module 123 is configured to receive the second verification data. In some implementations, the input module 123 may be a physical keyboard. Correspondingly, the second verification data is, for example, a digital password. In some other implementations, the input module 123 may be a touch screen. Correspondingly, the second verification information is, for example, a numeric password or a graphic password. In some other implementations, the input module 123 may be a fingerprint reader. Correspondingly, the second verification data is, for example, the user's fingerprint. In some other implementations, the input module 123 may be a camera. Correspondingly, the second verification data is, for example, the user's face or a barcode (eg, QR cord) presented by the electronic device 900 .

Finally, when the second verification information matches the user's host password information, the verification module 130 allows the ATM 120 to provide card-not-present transaction services. For example, the host-side password data is a financial card password that generally needs to be entered on the physical keyboard of the ATM 120 after inserting the financial card into the card slot of the ATM 120 .

As shown in FIG. 1 , in this embodiment, the ATM 120 further includes a prompt module 124 . The verification process executed by the verification module 130 further includes: generating a prompt signal requesting input of the first verification data to the prompt module 124 . In some embodiments, the prompt module 124 is a display screen of the ATM 120 . After receiving the prompt signal, the display screen displays a prompt message such as "Please enter the client password information in the electronic wallet."

In this embodiment, the verification process executed by the verification module 130 further includes: when the first verification data matches the card number data and client password data, generating a prompt signal requesting input of the second verification data to the prompt module 124 . For example, in an embodiment in which the prompt module 124 is a display screen of the ATM 120, after receiving the prompt signal, the display screen displays, for example, "Please enter the host password information on the input module 123 of the ATM 120." prompt message.

As shown in FIG. 1 , in this embodiment, the ATM 120 further includes a service module 125 . The verification program executed by the verification module 130 further includes: causing the service module 125 to provide transaction services based on the card-not-present transaction permission signal, where the transaction services include cash withdrawal services. For example, the transaction services referred to here are financial services generally available after inserting a financial card into the slot of the ATM 120 and successfully logging in.

Through the foregoing structural configuration, the system 100 of this embodiment allows users to use card-not-present transaction services with good security control mechanisms on the ATM 120 through simple operating procedures.

Please refer to Figure 2, which is a functional block diagram of a system 200 for cardless withdrawal using an electronic device according to another embodiment of the present invention. As shown in Figure 2, it includes a server 210, an ATM 220 and a verification module 130. Server 210 includes database 111 . The ATM 220 includes a communication module 121 , a trigger module 122 , an input module 123 , a prompt module 124 and a service module 125 . The functions of the database 111, the communication module 121, the trigger module 122, the input module 123, the prompt module 124 and the service module 125 are the same as the implementation shown in Figure 1, so they will not be described in detail here. You may refer to The above related instructions. It should be noted that the difference between the embodiment shown in Figure 2 and the embodiment shown in Figure 1 is that the verification module 130 in this embodiment is provided in the ATM 220. Therefore, in the embodiment shown in FIG. 1 , the verification module 130 obtains the first verification data received by the trigger module 122 and the second verification data obtained by the input module 123 through the communication module 121 to communicate with the verification module 121 . The financial card information in the database 111 is compared. In the embodiment shown in FIG. 2 , the verification module 130 obtains the financial card information in the database 111 through the communication module 121 to combine it with the first verification data received by the trigger module 122 and the input module 123 Compare the obtained second verification data.

Please refer to Figure 3. Figure 3 is a flowchart illustrating the operation of the system 100 according to an embodiment of the present invention. As shown in Figure 3, in this embodiment, the operation process of the system 100 mainly includes step S110, step S120 and step S130. The following description is based on the system 100 shown in Figure 1 . It should be understood that the system 200 shown in Figure 2 can also perform this operation process.

Step S110: Determine whether the trigger signal is received. If the determination result in step S110 is yes, step S120 is executed.

As mentioned above, for example, in an embodiment in which the electronic device 900 is a smart watch and the trigger module 122 is an NFC reader, when the user approaches the ATM with his smart watch and its NFC transceiver module is activated, When the trigger module 122 of 120 is connected, the trigger module 122 will generate a start signal accordingly. At this time, the verification module 130 can receive the activation signal through the communication module 121 .

Step S120: Generate a prompt signal requesting input of the first verification data to the prompt module 124.

As mentioned above, in the embodiment in which the prompt module 124 of the ATM 120 is a display screen, after receiving the prompt signal, the display screen displays a prompt message such as "Please enter the client password information in the electronic wallet."

Step S130: Execute the verification procedure.

It should be noted that although step S120 is executed earlier than step S130 in Figure 3, the present disclosure is not limited thereto. In practical applications, step S120 may be executed at the same time as step S130, or may be executed later than step S130.

Please refer to Figure 4, which is a flowchart illustrating the operation flow of the verification process according to an embodiment of the present invention. As shown in Figure 4, in this embodiment, the operation flow of the verification program mainly includes step S131, step S132, step S133, step S134, step S135 and step S136. The following description is based on the system 100 shown in Figure 1 . It should be understood that the system 200 shown in Figure 2 can also perform this operation process.

Step S131: Determine whether the first verification data is received. If the determination result in step S131 is yes, step S132 is executed. If the determination result in step S131 is no, the verification procedure ends.

As mentioned above, for example, in the embodiment where the electronic device 900 is a smart watch, the user can register the card number information of his or her financial card in the electronic wallet of the smart watch in advance, and at the same time set the corresponding financial card number in the electronic wallet. client password information. When the user opens the e-wallet and enters the user-side password information, the smart watch sends the first verification data containing the user's financial card number information and the user-side password information in NFC format. When the user brings the smart watch that sends the first verification data close to the trigger module 122 of the ATM 120, the trigger module 122 can receive the first verification data.

In some implementations, if the first verification data is not received within a predetermined time in step S131, the verification process ends.

Step S132: Determine whether the first verification data matches the card number data and client password data of one of the financial card data. If the determination result in step S132 is yes, step S133 is executed. If the determination result in step S132 is no, the verification procedure ends.

As mentioned above, the verification module 130 compares the first verification data received by the ATM 120 with the financial card data in the server 110 . When the first verification information matches the card number information and client password information of one of the financial card information, the verification module 130 can confirm the user identity corresponding to the first verification information.

Step S133: Generate a prompt signal requesting input of the second verification data to the prompt module 124.

As mentioned above, in the embodiment where the prompt module 124 of the ATM 120 is a display screen, after receiving the prompt signal, the display screen displays, for example, "Please enter the host password information on the input module 123 of the ATM 120 ” prompt message.

Step S134: Determine whether the second verification data is received. If the determination result in step S134 is yes, step S135 is executed. If the determination result in step S134 is no, the verification procedure ends.

As mentioned above, the input module 123 of the ATM 120 may be a physical keyboard, a touch screen, a fingerprint reader, a camera, etc. Correspondingly, the second verification information may be a digital password, a graphic password, the user's fingerprint, the user's face, a barcode, etc.

In some implementations, if the second verification data is not received within the predetermined time in step S134, the verification process ends.

Step S135: Determine whether the second verification data is the same as the host-side password data in the financial card data. If the determination result in step S135 is yes, step S136 is executed. If the determination result in step S135 is no, the verification procedure ends.

As mentioned above, when the second verification information matches the user's host password information, the verification module 130 can allow the service module 125 of the ATM 120 to provide card-not-present transaction services.

To sum up, in the system of using electronic devices for cardless withdrawals of this invention, the verification process executed by the verification module can first be done by comparing the first verification data received by the ATM with one of the financial card data. The user's card number information and client password information are matched to confirm the user identity corresponding to the first verification information, and then the user's identity is determined by comparing the second verification information received by the ATM with the user's host password information in the financial card information. Whether to provide card-not-present transaction services. In this way, the system allows users to use card-not-present transaction services with good security control mechanisms through simple operating procedures.

100,200:System 110,210:server 111:Database 120,220:ATM 121: Communication module 122:Trigger module 123:Input module 124: Prompt module 125:Service module 130: Verification module 900: Electronic devices S110, S120, S130, S131, S132, S133, S134, S135, S136: Steps

In order to describe the attainment of the above and other advantages and features of the present invention, the principles briefly described above will be explained in more detail with reference to specific embodiments thereof, which are illustrated in the accompanying drawings. These drawings depict the present invention by way of illustration only and are therefore not to be considered limiting of scope, wherein: Figure 1 is a functional block diagram illustrating a system for cardless withdrawal using an electronic device according to an embodiment of the present invention. Figure 2 is a functional block diagram illustrating a system according to another embodiment of the present invention. Figure 3 is a flowchart illustrating the operation of a system according to an embodiment of the present invention. Figure 4 is an operational flow chart illustrating the verification procedure according to an implementation manner of the present invention.

100:System

110:Server

111:Database

120:ATM

121: Communication module

122:Trigger module

123:Input module

124: Prompt module

125:Service module

130: Verification module

900: Electronic devices

Claims (10)

A system for cardless withdrawal using electronic devices, including: A server that stores a plurality of financial card information, each of which includes a card number information, a user-side password information and a host-side password information; An automated teller machine, including: a communications module configured to connect to the server; and a trigger module configured to generate a start signal after receiving a trigger signal; and A verification module configured to execute a verification procedure based on the generation of the activation signal, the verification procedure including: Compare a first verification information received by the ATM with the financial card information in the server; When the first verification information matches the card number information and the client password information of one of the financial card information, a second verification information received by the ATM and the one of the financial card information are Compare the user's password information on the host; and When the second verification data matches the host-side password data, a card-not-present transaction permission signal is generated. As claimed in claim 1, the system for using an electronic device to perform cardless withdrawals, wherein the trigger module is further configured to receive the first verification data. The system for cardless cash withdrawal using electronic devices as described in claim 1, wherein the trigger module is a near-field communication (NFC) reader. The system for cardless cash withdrawal using electronic devices as described in claim 1, wherein the verification module is set in the server and configured to connect to the trigger module through the communication module. The system for cardless cash withdrawal using electronic devices as described in claim 1, wherein the verification module is provided in the automatic teller machine. The system for cardless withdrawal using electronic devices as described in claim 1, wherein the verification procedure further includes: When the first verification data is not received within a predetermined time during execution of the verification procedure, the verification procedure is stopped. As claimed in claim 1, the system for cardless cash withdrawal using an electronic device, wherein the automatic teller machine further includes an input module configured to receive the second verification data. As claimed in claim 7, the system for cardless cash withdrawal using electronic devices, wherein the automatic teller machine further includes a prompt module, and the verification program further includes: Generate a prompt signal requiring input of the first verification data to the prompt module. As claimed in claim 7, the system for cardless cash withdrawal using electronic devices, wherein the automatic teller machine further includes a prompt module, and the verification program further includes: When the first verification data matches the card number data and the client password data, a prompt signal requesting input of the second verification data is generated to the prompt module. The system for cardless cash withdrawal using electronic devices as described in claim 1, wherein the automatic teller machine further includes a service module, and the verification program further includes: The service module is caused to provide transaction services based on the card-not-present transaction permission signal, wherein the transaction services include cash withdrawal services.

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