WO2014177018A1

WO2014177018A1 - Cash withdrawing system based on nfc function and cash withdrawing method therefor, and automatic teller machine

Info

Publication number: WO2014177018A1
Application number: PCT/CN2014/076208
Authority: WO
Inventors: 孙权
Original assignee: 中国银联股份有限公司
Priority date: 2013-04-28
Filing date: 2014-04-25
Publication date: 2014-11-06
Also published as: TWI578274B; HK1203682A1; CN104123793B; CN104123793A; TW201508701A

Abstract

Disclosed are an NFC function based cash withdrawing method and cash withdrawing system. The NFC function based cash withdrawing method is a method for conducting data transmission based on NFC between a mobile terminal (100) and an automatic teller machine (200) with the NFC function, and for realizing data exchange between the automatic teller machine (200) and an accepting bank system (300), a bank card organization system (400) and a card issuing bank system (500). Using the method, a user does not need to insert a bank card into the automatic teller machine, and also does not need to enter the password of the bank card into the automatic teller machine. Therefore, the bank card and the password thereof cannot be stolen by a stealing device arranged on the automatic teller machine by a lawbreaker. Moreover, because a physical card of the bank card does not need to be carried during cash withdrawal, the use is convenient.

Description

NFC-based withdrawal system and its withdrawal method and cash machine

[0001] The present invention relates to a contactless data processing system and a data processing method, and in particular to a FC function based withdrawal system, a withdrawal method, and a cash dispenser.

Background technique

[0002] In the prior art, the traditional bank card withdrawal service requires the cardholder to provide a bank card entity card, and enters the withdrawal password at the cash machine terminal. There are two drawbacks to this type of operation:

First, the business restrictions, the cardholder must carry the bank card physical card with him, responsible for the withdrawal operation through the cash machine, causing inconvenience to the cardholder, especially the mobile payment user;

The second is security. The criminals use special equipment to steal bank cards or steal the bank card password when the cardholder enters the password.

[0003]

Summary of the invention

In view of the above problems, the present invention is directed to an FC function-based withdrawal system, a withdrawal method, and a cash dispenser that are capable of realizing withdrawals without carrying a bank card machine.

[0005] The FC function-based withdrawal method of the present invention is based on FC data transmission between a FC-enabled mobile terminal and an FC-enabled cash machine, and is used to implement a cash machine and an acceptance banking system, a bank card organization system, and a card issuance. A method of data exchange between banking systems, characterized in that it comprises the following steps:

The withdrawal information acquisition step: the user acquires the withdrawal information through the mobile terminal having the FC function and transmits the withdrawal information to the cash withdrawal machine by using the FC function provided by the mobile terminal;

The withdrawal request sending step: the cash machine initiates a withdrawal request based on the withdrawal information to the acceptance banking system; the withdrawal request verification step: accepting the bank system to determine the legality of the withdrawal request;

The withdrawal request forwarding step: the acceptance banking system forwards the withdrawal request to the bank card organization system on the premise that the withdrawal request is legal, and then the bank card organization system forwards to the card issuing bank system;

Withdrawal acceptance response step: The issuing bank system verifies the legality of the withdrawal request and will pass the verification The withdrawal acceptance response is sent to the bank card organization system;

The withdrawal acceptance response forwarding step: The bank card organization system forwards the withdrawal acceptance response to the acceptance banking system; the dispensing notification step: the acceptance banking system notifies the cash dispenser according to the withdrawal acceptance response to perform the money discharge operation.

[0006] Preferably, before the withdrawal information obtaining step, the method further includes:

Business opening steps: Binding of bank card accounts, mobile terminals, and mobile payment systems only when the service is first opened.

[0007] Preferably, after the step of dispensing the money, the method further comprises:

The withdrawal result notification step: The cash machine notifies the mobile terminal of the result of the withdrawal transaction.

[0008] Preferably, in the withdrawal information obtaining step, the user inputs the withdrawal information of at least one or more of the withdrawal account, the amount of money, and the transaction password at the mobile terminal.

[0009] Preferably, in the withdrawal result notification step, the mobile terminal notifies the mobile payment system of the withdrawal result.

[0010] The FC function-based withdrawal method of the present invention is based on FC data transmission between a FC-enabled mobile terminal and an FC-enabled cash machine, and is used to implement a mobile payment system, a cash machine, an acceptance banking system, and a bank. A method for data exchange between a card organization system and a card issuing bank system, comprising the steps of:

The withdrawal information acquisition step: the user acquires the withdrawal information through the mobile terminal having the FC function and acquires the cash dispenser device information of the cash withdrawal machine by using the FC function provided by the mobile terminal;

The withdrawal request sending step: the mobile terminal sends the withdrawal information and the cash machine equipment information as a withdrawal request to the acceptance banking system through the mobile payment system;

The withdrawal request verification step: accepting the bank system to judge the legality of the withdrawal request;

Withdrawal acceptance response step: The card issuing bank system verifies the legality of the withdrawal request, and sends the withdrawal acceptance response to the bank card organization system after passing the verification;

Withdrawal acceptance response forwarding step: The bank card organization system forwards the withdrawal acceptance response to the acceptance banking system; the note dispensing notification step: the acceptance banking system receives the cashier device information according to the withdrawal acceptance response notification The machine performs the pumping operation.

[0011] Preferably, before the withdrawal information obtaining step, the method further includes:

[0012] Preferably, after the step of dispensing the money, the method further comprises:

The withdrawal result notification step: the acceptance banking system notifies the mobile payment system of the withdrawal transaction result; the withdrawal result forwarding step: the mobile payment system notifies the mobile terminal of the withdrawal transaction result.

[0013] Preferably, before the withdrawal information obtaining step, the method further includes:

Business Binding Steps: Bind bank card accounts, mobile terminals, and mobile payment systems.

[0014] Preferably, in the withdrawal information obtaining step, the user inputs the withdrawal information of at least one or more of the withdrawal account, the amount of money, and the transaction password at the mobile terminal.

[0015] The FC function-based withdrawal system of the present invention includes: a mobile terminal, a mobile payment system, a cash withdrawal machine, an acceptance banking system, a bank card organization system, and a card issuing bank system, wherein the mobile terminal is provided with: a first withdrawal module for performing a withdrawal service, a first FC communication module for performing FC-based data communication with the cash machine, and a first security encryption module for securely encrypting the FC-based data communication,

The cash machine has: a second withdrawal module for performing a withdrawal process, a second FC communication module for performing FC-based data communication with the mobile terminal, and security for FC-based data communication Encrypted second secure encryption module.

[0016] Preferably, the first withdrawal module of the mobile terminal is configured to acquire withdrawal information, and the first FC communication module of the mobile terminal is configured to send the withdrawal information to the second FC communication module of the cash dispenser. The second withdrawal module of the cash machine is configured to obtain a withdrawal request from the second FC communication module of the cash machine and send the withdrawal request to the acceptance banking system, and on the other hand, the second withdrawal module of the cash withdrawal machine For performing a money dispensing action according to the withdrawal acceptance response described below, the receiving banking system is configured to judge the legality of the withdrawal request and forward the withdrawal request to the bank card organization system on the premise that the withdrawal request is legal And, when receiving the returned withdrawal acceptance response from the bank card organization system, forwarding the withdrawal acceptance response to a second withdrawal module of the cash machine, wherein the bank card organization system is configured to A withdrawal request from the acceptance banking system is forwarded to the issuing bank system, and the withdrawal acceptance response is forwarded to the acceptance banking system upon receipt of the withdrawal acceptance response from the issuing bank system; the issuing bank system is configured to conduct the withdrawal transaction Judging and returning a withdrawal acceptance response to the bank card organization.

[0017] Preferably, the first withdrawal module of the mobile terminal is configured to bind the bank card account, the mobile terminal, and the mobile payment system.

[0018] Preferably, the withdrawal information includes at least one or more of a withdrawal account, an amount, and a transaction password.

[0019] Preferably, the second withdrawal module of the cash machine is further configured to send the withdrawal transaction result to the second FC communication module of the cash machine and the first FC communication module of the mobile terminal after the withdrawal is completed. The first withdrawal module of the mobile terminal,

The first withdrawal module of the mobile terminal is further configured to notify the mobile payment system of the withdrawal transaction result.

[0020] Preferably, the first withdrawal module of the mobile terminal is configured to acquire withdrawal information and obtain the cash dispenser device information of the cash machine by using the first FC communication module and the first security encryption module of the mobile terminal. The first FC communication module of the mobile terminal is configured to send the withdrawal information and the cash machine information to the mobile payment system; the mobile payment system is configured to acquire the withdrawal information from the mobile terminal And the cash withdrawal device information is sent to the acceptance banking system as a withdrawal request, and the acceptance banking system is configured to judge the legality of the withdrawal request and forward the withdrawal request to the bank card organization system on the premise that the withdrawal request is legal. In another aspect, the withdrawal acceptance response is forwarded to the second withdrawal module of the cash machine when the returned withdrawal acceptance response is received from the bank card organization system, the bank card organization system being used to receive the withdrawal from the acceptance banking system The withdrawal request is forwarded to the issuing bank system and a withdrawal acceptance is received from the issuing bank system In response, the withdrawal acceptance response is forwarded to the administrative banking system; the issuance banking system is operative to determine the withdrawal transaction and return a withdrawal acceptance response to the bank card organization system.

[0021] Preferably, the first withdrawal module of the mobile terminal is configured to bind the bank card account, the mobile terminal, and the mobile payment system.

[0022] Preferably, the withdrawal information includes at least one or more of a withdrawal account, an amount, and a transaction password. [0023] Preferably, the mobile payment system is further configured to send the withdrawal transaction result to the first withdrawal module of the mobile terminal after the second withdrawal module of the cash dispenser completes the dispensing operation.

[0024] The FC function-based cash dispenser of the present invention is characterized by comprising:

a second withdrawal module for performing a withdrawal process;

a second FC communication module for performing FC-based data communication;

A second secure encryption module for securely encrypting FC-based data communications.

[0025] With the FC function-based withdrawal method and the FC function-based withdrawal system of the present invention described above, the following advantages can be obtained:

(1) There is no business restriction: Cardholders do not need to carry a bank card physical card with them, as in the traditional withdrawal service, which can bring convenience to the cardholder;

(2) Improved security: It is possible to prevent illegal devices that are installed by illegal agents from stealing bank cards, or to steal bank card passwords when cardholders input passwords, which can improve security.

Therefore, the FC function-based withdrawal method and the FC function-based withdrawal system of the present invention can effectively solve the limitation that the traditional withdrawal service must provide a physical bank card and the resulting security problem, and can be used for the cardholder based on the FC. Provide a safe and convenient way to withdraw money.

[0027]

DRAWINGS

1 is a general frame diagram showing a FC function-based withdrawal system of the present invention.

2 is a diagram showing the configuration of a mobile terminal 100 with FC function according to the present invention.

3 is a view showing the configuration of a cash dispenser 200 with an FC function according to the present invention.

4 is a schematic diagram showing the appearance of a cash dispenser 200 with an FC function according to the present invention.

5 is a flow chart showing a method of withdrawing money based on the FC function in the first mode of the present invention.

6 is a flow chart showing a FC function-based withdrawal method according to a second mode of the present invention.

[0034] [0034]

detailed description

[0035] The following are some of the various embodiments of the invention, which are intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or the scope of the invention. [0036] Before describing the FC function-based withdrawal method, the withdrawal system, and the cash dispenser of the present invention, the FC function will be briefly introduced.

[0037] FC English full name Near Field Communication, short-range wireless communication, is a relatively new wireless technology. The FC evolved from the integration of contactless radio frequency identification (RFID) and interoperability technologies, combining inductive readers, inductive cards and peer-to-peer functions on a single chip to identify and data with compatible devices over short distances. exchange. This technology was originally a simple merger of RFID technology and network technology. Now it has evolved into a short-range wireless communication technology, and the development trend is quite rapid.

[0038] Unlike RFID, FC has the characteristics of two-way connection and identification, and operates in the frequency range of 13.56 MHz with a working distance of about 10 cm. FC technology promotes standardization under the ISO 18092, ECMA 340 and ETSI TS 102 190 frameworks, and is also compatible with the widely used ISO 14443 Type-A, B and Felica standard contactless smart card infrastructure.

[0039] The FC chip is mounted on the mobile phone, and the mobile phone can realize small electronic payment and read information of other FC devices or tags. The short-range interaction of FC greatly simplifies the entire authentication process, making it easier, safer and clearer for electronic devices to access each other. With FC, computers, digital cameras, mobile phones, PDAs, etc. can be easily and quickly connected wirelessly, enabling data exchange and services.

[0040] Like RFID, FC information is also transmitted through the electromagnetic induction coupling of the radio frequency portion of the spectrum, but there is still a big difference between the two. First, FC is a wireless connection technology that provides easy, secure, and fast communication. Its transmission range is smaller than that of RFID. The transmission range of RFID can reach several meters or even tens of meters. However, because FC adopts unique signal attenuation technology, Compared with RFID, FC has the characteristics of close distance, high bandwidth and low energy consumption. Second, FC is compatible with existing contactless smart card technology and has become the official standard supported by more and more major vendors. Again, FC is a close-range connection protocol that provides easy, secure, fast, and automated communication between devices. FC is a close-range, private communication method compared to other wireless connections in the world. At the same time, FC is also superior to infrared and Bluetooth transmission. As a consumer-oriented trading mechanism, FC is faster, more reliable, and much simpler than infrared. Compared to Bluetooth, FC is suitable for close-range transactions and is suitable for exchanging important data such as financial information or sensitive personal information.

[0041] Next, the FC function-based withdrawal method and the withdrawal system of the present invention will be described. 1 is a general frame diagram showing a FC function-based withdrawal system of the present invention.

[0043] As shown in FIG. 1, the FC function-based withdrawal system of the present invention mainly includes: a mobile terminal 100 with FC function (hereinafter referred to as "mobile terminal"), and a cash dispenser 200 with FC function (hereinafter referred to as "" The cash machine " ), the acceptance banking system 300, the bank card organization system 400, the card issuing bank system 500, and the mobile payment system 600. The mobile payment system 600 is responsible for the processing of mobile payment transactions and communicates with the receiving bank and the issuing bank system. The acceptance banking system 300, the bank card organization system 400, and the card issuing bank system 500 respectively correspond to the transaction systems of the acceptance bank, the bank card organization, and the issuing bank.

2 is a diagram showing the configuration of a mobile terminal 100 with FC function according to the present invention. As shown in FIG. 2, the FC-enabled mobile terminal 100 of the present invention includes: a first withdrawal module 101 for performing a withdrawal service, a first FC communication module 102 for performing FC-based data communication with a cash machine, and A first secure encryption module 103 for securely encrypting FC-based data communications.

3 is a view showing the configuration of a cash dispenser 200 with an FC function according to the present invention. As shown in FIG. 3, the FC-equipped cash dispenser 200 of the present invention is provided with: a second withdrawal module for performing a withdrawal process.

201. A second FC communication module, configured to perform FC-based data communication with the mobile terminal

202. And a second security encryption module 203 for securely encrypting the FC-based data communication.

4 is a schematic diagram showing the appearance of a cash dispenser 200 with an FC function according to the present invention. As shown in Fig. 3, the FC-enabled cash dispenser 200 of the present invention has an FC antenna area in addition to the display screen, the dispenser, the bank card slot, and the PIN pad of the conventional cash dispenser.

[0047] The FC function-based withdrawal method of the present invention can be generally divided into two steps: "business opening" and "withdrawal transaction".

[0048] (1) Service opening: The cardholder needs to hold a mobile terminal with FC function, and apply to the card issuing institution to open a mobile payment service and a mobile payment withdrawal service, and may also need to form a contractual relationship. Download and install the mobile payment mobile phone software and mobile payment withdrawal service module, and bind the corresponding bank card. Here, "business opening" corresponds to the "business opening procedure" described in the claims, and the step is performed only once before the initial use, and the business opening step is not required in the subsequent withdrawal process.

[0049] (2) Withdrawal transaction: According to different ways of initiating the transaction, the withdrawal transaction can be initiated by one of two modes: the first mode is that the cash machine initiates the transaction mode, and the second mode is initiated by the mobile payment system. Trading mode.

[0050] First, a description will be given of the first mode, that is, the cash machine initiates a transaction mode.

[0052] The FC function-based withdrawal method of the first mode of the present invention is to initiate a mobile payment withdrawal request by the FC-based secure channel established between the mobile terminal 100 and the cash machine 200, and the transaction acceptance cash dispenser dispenses money. Provide cardholders with a secure mobile payment withdrawal service. The specific technical solution shown in Figure 5 includes:

Step 1: The cardholder enters the withdrawal service module on the mobile terminal 100, selects the withdrawal account, and inputs the withdrawal element information, for example: the withdrawal amount, the transaction password, and confirms that the withdrawal information is correct;

Step 2: The cardholder brings the mobile terminal 100 to the FC antenna area of the cash machine 200, and initiates a withdrawal transaction request to the cash machine 200;

Step 3: The cash machine 200 submits the withdrawal transaction request to the acceptance banking system 300;

Step 4: Accept the banking system 300 to determine the legality of the withdrawal transaction request;

Step 5: Accepting the banking system 300 initiating a request based on the withdrawal transaction to the bank card organization system 400

ATM withdrawal request;

Step 6: The bank card organization system 400 forwards the ATM cash withdrawal request to the card issuing bank system 500; Step 7: The card issuing bank system 500 judges the ATM cash withdrawal request, and returns an ATM cash withdrawal response to the bank card organization system 400;

Step 8: The bank card organization system 400 forwards the ATM cashout response to the acceptance banking system 300; Step 9: The acceptance banking system 300 performs transaction acceptance based on the ATM cashout response and issues a dispensing instruction to the cash dispenser 200;

Step 10: The cash dispenser 200 executes the dispensing according to the dispensing instruction, displays the transaction result on the screen, and notifies the transaction result to the mobile terminal 100 through the FC secure channel;

Step 11: The mobile terminal 100 notifies the mobile payment system 600 of the transaction result as needed (optional step).

[0053] In the withdrawal transaction of the first mode described above, it is not necessary to insert a bank card in the cash machine, and it is not necessary to input a bank card password in the cash machine, and therefore, it is not stolen by the criminals on the cash machine. The device steals the bank card and the bank card password, and, because the bank card does not need to be carried at the time of withdrawal The film thus improves the portability of use.

[0054] Next, a description will be given of the second mode, that is, the mobile payment system initiates a transaction mode.

[0056] The FC mode-based withdrawal method of the second mode of the present invention is that the mobile terminal 100 acquires device information of the cash dispenser 200 through the first FC communication module 101 thereof, and initiates a mobile payment withdrawal request through the mobile payment system 600, and the transaction To accept cash dispensers to provide cardholders with a secure mobile payment withdrawal service. The specific technical solution shown in Figure 6 includes:

Step 2: The cardholder approaches the mobile terminal 100 to the FC card reader end of the cash machine, and the first withdrawal module 101 of the mobile terminal 100 acquires the device information of the cash dispenser 200 through the first FC communication module 102 and the first security encryption module 103;

Step 3: The first withdrawal module 101 of the mobile terminal 100 initiates a withdrawal transaction request to the background mobile payment system 600;

Step 4: The mobile payment system 600 submits a withdrawal transaction request to the acceptance banking system 300;

Step 5: The acceptance banking system 300 determines the legality of the transaction request and confirms the cash machine connectivity; Step 6: The acceptance banking system 300 initiates an ATM withdrawal request to the bank card organization system 400; Step 7: The bank card organization system 400 sends the card to the issuing bank The system 500 forwards the ATM cash withdrawal request; Step 8: The card issuing bank system 500 determines the transaction and returns an ATM cash withdrawal response to the bank card organization system 400;

Step 9: The bank card organization system 400 forwards the ATM cash withdrawal response to the acceptance banking system 300; Step 10: The acceptance banking system 300 performs the transaction acceptance and issues a dispensing instruction to the cash dispenser 200, and the cash machine 200 performs the dispensing and displays the transaction on the screen. Result

Step 11: The acceptance banking system 300 notifies the mobile payment system 600 of the transaction result;

Step 12: The mobile payment system 600 notifies the mobile terminal 100 of the transaction result.

[0057] In the withdrawal transaction of the second mode described above, it is also unnecessary to insert a bank card in the cash machine, and it is not necessary to input the bank card password in the cash machine, and therefore, it is not set by the criminals. The stolen device on the machine steals the bank card and the bank card password, and the portability of the use is improved because the bank card physical card does not need to be carried at the time of withdrawal.

[0058] Next, a detailed description will be given of the withdrawal system for completing the withdrawal methods of the first mode and the second mode described above.

[0059] As already explained, the FC function-based withdrawal system of the present invention mainly comprises: a mobile terminal 100, a cash machine 200, an acceptance banking system 300, a bank card organization system 400, a card issuing bank system 500, and a mobile payment system 600. The mobile terminal 100 is provided with: a first withdrawal module 101 for executing a withdrawal service, a first FC communication module 102 for performing FC-based data communication with a cash machine, and a first for securely encrypting FC-based data communication. A secure encryption module 103. The cash machine 200 is provided with: a second withdrawal module 201 for performing a withdrawal process, a second FC communication module 202 for performing FC-based data communication with the mobile terminal, and for performing FC-based data communication. Secure encrypted second security encryption module 203.

[0060] In the case that the withdrawal method of the first mode is completed, the first withdrawal module 101 of the mobile terminal 100 is configured to acquire withdrawal information, and the first FC communication module 102 of the mobile terminal 101 is configured to send the withdrawal information to the cash withdrawal machine. The second FC communication module 202 of 200.

[0061] The second withdrawal module 201 of the cash dispenser 200 is used for the second FC communication module from the cash dispenser 200.

202 obtains the withdrawal request and transmits the withdrawal request to the acceptance banking system 300. On the other hand, the second withdrawal module 201 of the cash dispenser 200 is configured to perform the money dispensing action in accordance with the withdrawal acceptance response described below.

[0062] The acceptance banking system 300 is configured to judge the legality of the withdrawal request and forward the withdrawal request to the bank card organization system 400 on the premise that the withdrawal request is legal, and on the other hand, receive the return from the bank card organization system 400. In the case of the withdrawal acceptance response, the withdrawal acceptance response is forwarded to the second withdrawal module 201 of the cash machine 200, and the bank card organization system 400 is configured to forward the withdrawal request from the acceptance banking system 300 to the issuing bank system 500, and issue the card at the slave. The bank system 500 forwards the withdrawal acceptance response to the acceptance banking system 300 in the event that the withdrawal acceptance response is received.

[0063] The card issuing bank system 500 is for judging the withdrawal transaction and returning the withdrawal acceptance response to the bank card organization system 400.

[0064] The first withdrawal module 101 of the mobile terminal 100 is further configured to use a bank card account, a mobile terminal, and The mobile payment system is bound. The withdrawal information includes at least one or more of a withdrawal account, an amount, and a transaction password.

[0065] The second withdrawal module 201 of the cash machine 200 is further configured to send the withdrawal transaction result to the second FC communication module 202 of the cash machine 200 and the first FC communication module 102 of the mobile terminal 100 after the withdrawal is completed. The first withdrawal module 101 of the mobile terminal 100, the first withdrawal module 101 of the mobile terminal 100 is further configured to notify the mobile payment system 600 of the withdrawal transaction result.

On the other hand, in the case of completing the withdrawal method of the second mode, the first withdrawal module 101 of the mobile terminal 100 is configured to acquire the withdrawal information and is used to pass the first FC communication module 102 of the mobile terminal 100. A security encryption module 103 acquires the cash dispenser device information of the cash dispenser 200. The first FC communication module 102 of the mobile terminal 100 is configured to send the withdrawal information and the cash dispenser device information to the mobile payment system 600.

[0067] The mobile payment system 600 is configured to acquire the withdrawal information and the cash dispenser device information from the mobile terminal 100 and transmit it to the acceptance banking system 300 as a withdrawal request. Further, the mobile payment system 600 is further configured to send the withdrawal transaction result to the first withdrawal module 101 of the mobile terminal 100 after the second withdrawal module 201 of the cash dispenser 200 completes the dispensing operation.

[0068] The acceptance banking system 300 is configured to judge the legality of the withdrawal request and forward the withdrawal request to the bank card organization system 400 on the premise that the withdrawal request is legal, and, on the other hand, receive the return from the bank card organization system 400. In the case of the withdrawal acceptance response, the withdrawal acceptance response is forwarded to the second withdrawal module 201 of the cash machine 200, and the bank card organization system 400 is configured to forward the withdrawal request from the acceptance banking system 300 to the issuing bank system 500, and issue the card at the slave. The bank system 500 forwards the withdrawal acceptance response to the acceptance banking system 300 in the event that the withdrawal acceptance response is received.

[0069] The card issuing bank system 500 is for judging the withdrawal transaction and returning the withdrawal acceptance response to the bank card organization system 400.

[0070] The first withdrawal module 101 of the mobile terminal 100 is further configured to bind the bank card account, the mobile terminal, and the mobile payment system. The withdrawal information here includes at least one or more of a withdrawal account, an amount, and a transaction password.

[0071] The FC function-based withdrawal method of the present invention and the FC function-based withdrawal system have Advantages:

Therefore, the FC function-based withdrawal method and the FC function-based withdrawal system of the present invention can effectively solve the limitation that the traditional withdrawal service must provide a physical bank card and the resulting security problem, and can be based on the card holder. Provide a safe and convenient way to withdraw money.

[0073] The above examples mainly illustrate the FC function-based withdrawal method and the FC function-based withdrawal system of the present invention. Although only a few of the specific embodiments of the present invention have been described, it will be understood by those skilled in the art that the invention may be practiced in many other forms without departing from the spirit and scope. Accordingly, the present invention is to be construed as illustrative and not restrictive, and the invention may cover various modifications without departing from the spirit and scope of the invention as defined by the appended claims With replacement.

Claims

Claim

1. A FC-based withdrawal method is based on FC data transmission between a FC-enabled mobile terminal and an FC-enabled cash machine, and is used to implement a cash machine and an acceptance banking system, a bank card organization system, and a card issuing bank. A method for data exchange between systems, characterized in that it comprises the following steps:

2. The FC function-based withdrawal method according to claim 1, wherein:

Before the withdrawal information obtaining step, the method further includes:

3. The FC function-based withdrawal method according to claim 2, further comprising: after the money-discharging notification step:

The FC function-based withdrawal method according to any one of claims 1 to 3, wherein in the withdrawal information acquisition step, the user inputs at least one of a withdrawal account, an amount, and a transaction password at the mobile terminal. One or more withdrawal information.

5. The FC function-based withdrawal method according to claim 4, wherein In the withdrawal result notification step, the mobile terminal also notifies the mobile payment system of the withdrawal result.

6. A FC-based withdrawal method is based on FC data transmission between a FC-capable mobile terminal and an FC-enabled cash machine and is used to implement a mobile payment system, a cash machine, an acceptance banking system, and a bank card organization. A method of data exchange between a system and a card issuing banking system, characterized in that it comprises the following steps:

The withdrawal acceptance response forwarding step: The bank card organization system forwards the withdrawal acceptance response to the acceptance banking system; the dispensing notification step: the acceptance banking system performs the dispensing operation according to the withdrawal acceptance response notification corresponding to the cash machine device information.

7. The FC function-based withdrawal method according to claim 6, wherein:

Before the withdrawal information obtaining step, the method further includes:

8. The FC function-based withdrawal method according to claim 7, further comprising: after the money-discharging notification step:

9. The FC function-based withdrawal method according to claim 7, wherein: Before the withdrawal information obtaining step, the method further includes:

The FC function-based withdrawal method according to any one of claims 6 to 8, wherein in the withdrawal information acquisition step, the user inputs at least one of a withdrawal account, an amount, and a transaction password at the mobile terminal. One or more withdrawal information.

11. A FC-based withdrawal system, comprising: a mobile terminal, a mobile payment system, a cash machine, an acceptance banking system, a bank card organization system, a card issuing banking system,

The mobile terminal is provided with: a first withdrawal module for performing a withdrawal service, a first FC communication module for performing FC-based data communication with the cash machine, and a first for securely encrypting the FC-based data communication Security encryption module,

12. The FC function based withdrawal system of claim 11 wherein:

The first withdrawal module of the mobile terminal is configured to acquire withdrawal information.

The first FC communication module of the mobile terminal is configured to send the withdrawal information to a second FC communication module of the cash machine;

The second withdrawal module of the cash machine is configured to obtain a withdrawal request from the second FC communication module of the cash machine and send the withdrawal request to the acceptance banking system, and on the other hand, the second withdrawal module of the cash withdrawal machine Performing a dispensing operation according to the withdrawal acceptance response described below,

The acceptance banking system is configured to judge the legality of the withdrawal request and forward the withdrawal request to the bank card organization system on the premise that the withdrawal request is legal, and on the other hand, receive the returned withdrawal from the bank card organization system. In the case of an acceptance response, the withdrawal acceptance response is forwarded to the second withdrawal module of the cash machine.

The bank card organization system is configured to forward the withdrawal request from the acceptance banking system to the card issuing bank system, and forward the withdrawal acceptance response to the acceptance banking system if the withdrawal acceptance response is received from the card issuing banking system; The card issuing bank system is configured to determine a withdrawal transaction and return a withdrawal acceptance response to the bank card organization.

13. The FC function based withdrawal system of claim 12, wherein

The first withdrawal module of the mobile terminal is configured to bind the bank card account, the mobile terminal, and the mobile payment system.

14. The FC function-based withdrawal system according to claim 13, wherein the withdrawal information comprises at least one or more of a withdrawal account, an amount, and a transaction password.

The FC function-based withdrawal system according to claim 14, wherein the second withdrawal module of the cash machine is further configured to pass the withdrawal transaction result to the second FC of the cash machine after the withdrawal is completed. a communication module, a first withdrawal module sent by the first FC communication module of the mobile terminal to the mobile terminal,

16. The FC function based withdrawal system according to claim 10, wherein:

The first withdrawal module of the mobile terminal is configured to acquire the withdrawal information and obtain the cash dispenser device information of the cash machine by using the first FC communication module and the first security encryption module of the mobile terminal, where the mobile terminal The first FC communication module is configured to send the withdrawal information and the cash machine information to the mobile payment system;

The mobile payment system is configured to acquire the withdrawal information and the cash machine device information from the mobile terminal and send the payment request to the acceptance banking system as a withdrawal request.

The bank card organization system is configured to forward a withdrawal request from the acceptance banking system to the card issuing bank system, and forward the withdrawal acceptance response to the acceptance banking system if the withdrawal acceptance response is received from the card issuing banking system;

The card issuing bank system is configured to judge the withdrawal transaction and return to the bank card organization system And the second withdrawal module of the cash machine is configured to perform a money dispensing action according to the withdrawal acceptance response.

17. The FC function based withdrawal system of claim 16 wherein:

18. The FC function-based withdrawal system according to claim 17, wherein the withdrawal information comprises at least one or more of a withdrawal account, an amount, and a transaction password.

19. The FC function-based withdrawal system according to claim 15, wherein the mobile payment system is further configured to send the withdrawal transaction result to the second withdrawal module of the cash machine after the completion of the dispensing operation The first withdrawal module of the mobile terminal.

20. An FC-based cash machine, characterized in that it has:

a second withdrawal module for performing a withdrawal process;

a second FC communication module for performing FC-based data communication;