WO2019136881A1 - 一种无卡取款的保护方法、设备及存储介质 - Google Patents

一种无卡取款的保护方法、设备及存储介质 Download PDF

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Publication number
WO2019136881A1
WO2019136881A1 PCT/CN2018/084546 CN2018084546W WO2019136881A1 WO 2019136881 A1 WO2019136881 A1 WO 2019136881A1 CN 2018084546 W CN2018084546 W CN 2018084546W WO 2019136881 A1 WO2019136881 A1 WO 2019136881A1
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WO
WIPO (PCT)
Prior art keywords
user
transaction code
location information
withdrawal
atm machine
Prior art date
Application number
PCT/CN2018/084546
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English (en)
French (fr)
Inventor
陈建波
Original Assignee
平安科技（深圳）有限公司
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Publication date
Application filed by 平安科技（深圳）有限公司 filed Critical 平安科技（深圳）有限公司
Publication of WO2019136881A1 publication Critical patent/WO2019136881A1/zh

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/203—Dispensing operations within ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/211—Software architecture within ATMs or in relation to the ATM network

Definitions

  • the present application relates to the field of electronic technologies, and in particular, to a method, device, and storage medium for cardless withdrawal.
  • the card-free withdrawal function allows the user to make a withdrawal operation by using the transaction code temporarily sent by the bank background after applying for card-free withdrawal, which is convenient and quick.
  • the card-free withdrawal has certain security risks while providing convenience to the user.
  • the bank back office will immediately send the transaction code to the user's mobile phone after receiving the card-free withdrawal request, if the user goes to the user.
  • the transaction code is obtained by others on the way of the ATM machine, the risk of capital theft may occur and the interests of the user may be harmed.
  • the purpose of the present application is to provide a card-free withdrawal protection method, device and storage medium, which can automatically generate a random transaction code according to the distance of the user from the ATM machine to ensure that the user is close.
  • the ATM machine can get the complete withdrawal dynamic transaction code, improve the security of cardless withdrawal, and ensure the security of the user's property.
  • a cardless withdrawal protection method includes the following steps:
  • the first random transaction code or the second random transaction code is a pre-stored digital password
  • the pre-stored digital password is displayed in a preset replacement character on the display interface.
  • the first random transaction code and/or the second random transaction code includes an arrangement order prompt code.
  • the preset arrangement rule of the first random transaction code and the second random transaction code includes sequentially arranging according to the arrangement order prompt code, according to the first random transaction code and The number size of the second random transaction code is arranged or the digital random code in the first random transaction code and the second random transaction code are arranged in a cross.
  • the user obtains the current location information of the user when receiving the cardless withdrawal request submitted by the user, and searches for the ATM machine in the preset range according to the current location information of the user.
  • the steps include:
  • the card-free withdrawal request includes bank card information to be withdrawn, withdrawal time, and withdrawal amount;
  • the ATM machines in the surrounding preset range are displayed in a preset order, and the distance between each ATM machine and the user is identified.
  • the ATM device that confirms the withdrawal according to the user's selection instruction and performs the authority verification, and the step of generating and displaying the first random transaction code on the display interface after the authority verification is performed includes:
  • the first random transaction code is generated and displayed on the display interface, otherwise the no card withdrawal request fails.
  • the location information of the user is continuously obtained, and it is determined whether the distance between the user and the ATM machine to be withdrawn is less than a preset distance. If yes, the second random is generated and displayed on the display interface.
  • the transaction code, the step of combining the first random transaction code and the second random transaction code into a dynamic transaction code for withdrawal according to a preset arrangement rule includes:
  • the second random transaction code is generated and displayed on the display interface, and the first random transaction code and the second random transaction code are combined into a dynamic transaction code for withdrawal according to a preset arrangement rule.
  • the step of acquiring the location information of the ATM machine to be withdrawn and continuously obtaining the location information of the user includes:
  • the location information of the user is continuously obtained, and the navigation path is generated and displayed according to the location information of the user and the location information of the to-be-paid machine.
  • a cardless withdrawal protection device comprising: a processor, a memory and a communication bus;
  • Storing on the memory is a computer readable program executable by the processor
  • the communication bus implements connection communication between the processor and the memory
  • the processor implements the steps in the cardless withdrawal protection method as described above when the computer readable program is executed.
  • a computer readable storage medium storing one or more programs, the one or more programs being executable by one or more processors to implement cardless withdrawal as described above The steps in the protection method.
  • the cardless withdrawal protection method acquires the current location information of the user when receiving the cardless withdrawal request submitted by the user. And searching for the ATM machine in the surrounding preset range according to the current location information of the user; then confirming the ATM machine to be withdrawn according to the user's selection instruction and performing permission verification, and generating and displaying the first on the display interface after the authority verification is completed a random transaction code; afterwards, the location information of the user is continuously obtained, and it is determined whether the distance between the user and the ATM machine to be withdrawn is less than a preset distance, and if so, a second random transaction code is generated and displayed on the display interface, the first random The transaction code and the second random transaction code are combined into a dynamic transaction code for withdrawal according to a preset arrangement rule.
  • the random transaction code can be automatically generated according to the user's distance from the ATM machine, ensuring that the user can get the complete withdrawal dynamic transaction code when approaching the ATM machine, improve the security of the
  • 1 is a flow chart of a method for protecting cardless withdrawals provided by the present application
  • step S10 is a flowchart of step S10 in the method for protecting cardless withdrawals provided by the present application
  • step S20 is a flowchart of step S20 in the method for protecting cardless withdrawals provided by the present application
  • step S30 is a flowchart of step S30 in the method for protecting cardless withdrawals provided by the present application
  • FIG. 5 is a flowchart of step S31 in the method for protecting cardless withdrawals provided by the present application.
  • FIG. 6 is a schematic diagram of an operating environment of a preferred embodiment of a protection program for cardless withdrawal of the present application
  • FIG. 7 is a functional block diagram of a preferred embodiment of a system for installing a cardless withdrawal protection program of the present application.
  • the purpose of the present application is to provide a card-free withdrawal protection method, device and storage medium, which can be based on the user's distance from the ATM machine.
  • the distance segment automatically generates a random transaction code to ensure that the user can get the complete withdrawal dynamic transaction code when approaching the ATM machine, improve the security of cardless withdrawal and ensure the security of the user's property.
  • the cardless withdrawal protection method provided by the present application includes the following steps:
  • the user can submit a card-free withdrawal request through multiple smart terminal APPs.
  • the user submits a card-free withdrawal request on the mobile bank APP of the corresponding bank, when receiving
  • the GPS positioning device of the mobile phone is turned on, the current location information of the user is obtained, and all the ATMs in the surrounding preset range are searched according to the current location information of the user, and preferably, the search can be performed within 2 km based on the current location information.
  • the ATM machine is convenient for users to get cash quickly.
  • FIG. 2 is a flowchart of step S10 in the method for protecting cardless withdrawals provided by the present application.
  • the step S10 includes:
  • S12 Obtain current location information of the user, and search for an ATM machine in a preset range according to the current location information of the user;
  • the user submits a card-free withdrawal request through the mobile banking APP.
  • the bank card to be withdrawn, the withdrawal time, and the withdrawal amount must be selected, and the withdrawal time can be reserved for a certain time (for example, at 3 pm on the day of the appointment) ) Or choose to withdraw money immediately. If you choose to withdraw money immediately, you will set a withdrawal limit time. For example, you need to withdraw money within 20 minutes after the application is successful. Otherwise, the application will be invalid and the user needs to apply again.
  • the GPS positioning device of the mobile phone After receiving the cardless withdrawal request, the GPS positioning device of the mobile phone is opened, the location information of the current user is obtained, and all the ATMs in the surrounding preset range are searched, and the preset range is a default value, for example, 2 kilometers, of course, the user can also Manually change, for example to 500m, to search for an ATM machine that is closer to itself. After searching all the surrounding ATM machines, they are displayed in a preset order, for example, displayed from near to far by distance, and the distance between each ATM machine and the current mobile phone is identified, and the user can preferably obtain the nearest distance from the ATM machine. ATM machine information, easy to get cash quickly.
  • the user can arbitrarily select an ATM machine to be withdrawn according to the needs, and when the ATM machine to be withdrawn is determined, the permission verification of the cardless withdrawal request is first performed, and the permission verification is passed on the display interface of the mobile phone.
  • the first random transaction code is generated and displayed.
  • the first random transaction code is automatically generated by the smart terminal, and the random transaction code sent by the bank in the background is not required to be received by the currently used short message method, thereby reducing interception during transmission. The risk of increasing withdrawal security.
  • FIG. 3 is a flowchart of step S20 in the method for protecting cardless withdrawals provided by the present application.
  • the step S20 includes:
  • the user is prompted to input the first verification information and perform verification, wherein the first verification information is preferably a preset character password or The track password, that is, when the user submits the cardless withdrawal request and selects the ATM machine, the initial authority verification is performed, the user is prompted to input the first verification information, and the first verification information input by the user is compared with the pre-stored verification information to determine whether the message is consistent. If it is consistent, the verification is passed, and the first random transaction code is generated and displayed on the display interface of the mobile phone. If it is inconsistent, the cardless withdrawal request fails, and the withdrawal authority verification is performed before the first random transaction code is generated to ensure that the current is The holder of the bank card is conducting a cardless withdrawal request operation to protect the security of the user's property.
  • the first verification information is preferably a preset character password or The track password
  • the GPS positioning device of the mobile phone is continuously turned on, and the location information of the user is continuously obtained, and it is determined whether the distance between the user and the ATM machine to be withdrawn is less than a preset distance, specifically
  • the start of obtaining the location information of the user may be controlled according to the withdrawal time submitted by the user. For example, if the user makes a reservation for a certain time, the location detection is performed at a preset time before the arrival of the time, for example, an appointment is made at 3 pm. Turn off the positioning function when the withdrawal time is far away, and then turn on the automatic positioning at 2:30 pm to obtain the location information in real time. If the user chooses to withdraw the money immediately, the location information will be obtained in real time after the application is successful, thus ensuring successful acquisition.
  • the location information can also save system power consumption according to the withdrawal situation.
  • the preset distance is 100 m
  • the user is about to reach the ATM machine
  • the second random transaction code is generated and displayed on the display interface of the mobile phone.
  • the second random transaction code is automatically generated by the smart terminal, and the receiving is received by the short message, and the first random transaction code and the second random transaction code are combined into a dynamic transaction code for withdrawal according to a preset arrangement rule.
  • the user may combine the first random transaction code and the second random transaction code according to an arrangement rule set in advance to obtain a dynamic transaction code for withdrawal.
  • the arrangement rule of the dynamic transaction code is the first random transaction code + the second random Transaction code, or the order of the two, or interspersed, the specific user can set according to their own needs, after generating the second random transaction code, the bank obtains the first random transaction code and the second random transaction code for the withdrawal verification .
  • the random transaction code is automatically generated by the distance segmentation of the user from the ATM machine, which ensures that the user can obtain the complete dynamic transaction code for withdrawal when approaching the ATM machine, and the two random transaction codes are automatically generated by the terminal, avoiding the short message.
  • the transaction code caused by the receipt is leaked, and the dynamic transaction code is split to generate the first random transaction code and the second random transaction code. Only the user who knows the arrangement rule can get the correct dynamic transaction code, and even if the other person steals two random transactions. The code can't get the final dynamic transaction code, which greatly improves the privacy of the withdrawal.
  • FIG. 4 is a flowchart of step S30 in the method for protecting cardless withdrawals provided by the present application.
  • the step S30 includes:
  • S32 Determine, according to the location information of the ATM machine to be withdrawn and the location information of the user, whether the distance between the user and the ATM machine to be withdrawn is less than a preset distance, and if yes, prompt the user to input the second verification information and perform verification;
  • the second random transaction code is generated and displayed on the display interface, and the first random transaction code and the second random transaction code are combined into a dynamic transaction code for withdrawal according to a preset arrangement rule.
  • the GPS positioning device is turned on, the location information of the ATM machine is acquired, and the location information of the user is continuously obtained, and then the location of the ATM machine to be withdrawn and the location of the user are determined. Whether the distance between the two is less than the preset distance. If yes, in order to further improve the security of the withdrawal, the user is prompted to input the second verification information and perform verification, wherein the second verification information is preferably a human body feature pre-recorded by the user. Information, such as fingerprint features, face features or iris features, etc., and comparing the second verification information input by the user with the pre-stored verification information to determine whether they are consistent.
  • FIG. 5 is a flowchart of step S31 in the method for protecting cardless withdrawals provided by the present application.
  • the step S31 includes:
  • S301 Obtain location information of the ATM machine to be withdrawn, and identify the ATM machine to be withdrawn at a corresponding location of the built-in map;
  • the identifier is set on the corresponding location of the built-in map, so that the user knows the general location of the ATM machine, and continuously obtains the location information of the user and according to the location information of the user.
  • the navigation path is generated and displayed with the destination, that is, the location of the ATM machine, so as to prevent the ATM machine from being mistakenly withdrawn due to the user being unfamiliar.
  • the first random transaction code or the second random transaction code is a pre-stored digital password
  • the pre-stored digital password is displayed in a preset replacement character on the display interface, ie, the user
  • a digital password may be preset as the first random transaction code or the second random transaction code.
  • the digital password is not displayed, but is, for example, an asterisk "*" or a hash sign. Preset characters such as “#” are displayed to prevent others from peeking or being intercepted. Since the digital password is pre-stored by the user, the specific characters are only known to the user, which further improves the privacy and security of the dynamic transaction code.
  • the first random transaction code and/or the second random transaction code includes an arrangement order prompt code, that is, at least one of the first random transaction code and the second random transaction code includes a sequence prompt code. That is to say, among all the numbers of the first random transaction code and the second random transaction code, only part is the number that constitutes the dynamic transaction code, and the rest is the sequential prompt code, and the user can obtain the sequence prompt code and other numbers.
  • the final dynamic transaction code, and for others, the sequential prompt code is different from other numbers, which can effectively improve the security of the random transaction code.
  • the method may include multiple manners, and the user may preset the arrangement of the first random transaction code and the second random transaction code in the mobile banking APP.
  • the preset arrangement rules of the first random transaction code and the second random transaction code at least include sequentially arranging according to the arrangement order prompt codes, according to the first Arranging the number of random codes and the second random transaction code or arranging the first random transaction code and the digital random code in the second random transaction code.
  • the first random transaction code includes the arrangement order code
  • the final dynamic transaction code is 6 bits as an example, after the user first authority verification is passed.
  • the first random transaction code is displayed and the two digits are sequential prompt codes.
  • the setting rules of the specific transaction code and the sequence prompt code can be preset in advance, for example, “1524” is generated, indicating that the second digit is 1, the fourth digit is 5, then when the user is within 100m from the ATM machine, the second random transaction code is generated and displayed on the mobile phone display interface, and the default is to display in order, for example, "2657", then the dynamic transaction The code is 216557.
  • the bank obtains the complete dynamic transaction code for the withdrawal verification.
  • the user uses the random transaction code to withdraw money, effectively confuses the real transaction code through the sequence prompt code, and brings fuzzy information to others to steal the transaction code. Improve the security of the transaction code.
  • the preset alignment rule is arranged according to the number size of the first random transaction code and the second random transaction code, after the first random transaction code and the second random transaction code are generated and displayed, all the numbers are The passwords are sorted by number from small to large or from large to small to get the dynamic transaction code for withdrawal.
  • the preset alignment rule is to cross-align the digital random code in the first random transaction code and the second random transaction code
  • the first random transaction code is First or the second random transaction code precedes the sequence, and the digital passwords in the two are cross-arranged to obtain a dynamic transaction code for withdrawal, for example, the current first random transaction code is 142, and the second random transaction code is 539
  • the first random transaction code is preceded by an example, and the digital random code in the first random transaction code and the second random transaction code will be cross-arranged, that is, the dynamic transaction code of 154329 is obtained for the current cardless withdrawal.
  • the present application further provides a cardless withdrawal protection device according to the above-mentioned cardless withdrawal protection method
  • the cardless withdrawal protection device may be a mobile terminal, a desktop computer, a notebook, or the like. Computing devices such as handheld computers and servers.
  • the cardless withdrawal protection device includes a processor 10, a memory 20, and a display 30.
  • Figure 6 shows only some of the components of the cardless withdrawal protection device, but it should be understood that not all illustrated components may be implemented and that more or fewer components may be implemented instead.
  • the memory 20 may be an internal storage unit of the cardless withdrawal protection device, such as a hard disk or memory of a cardless withdrawal protection device, in some embodiments.
  • the memory 20 may also be an external storage device of the cardless withdrawal protection device in other embodiments, such as a plug-in hard disk equipped with the cardless withdrawal protection device, and a smart memory card (Smart Media Card, SMC), Secure Digital (SD) card, flash card (Flash) Card) and so on.
  • the memory 20 may also include an internal storage unit of the protection device without card withdrawal and an external storage device.
  • the memory 20 is configured to store application software and various types of data installed on the cardless withdrawal protection device, such as the program code of the protection device for installing the cardless withdrawal.
  • the memory 20 can also be used to temporarily store data that has been output or is about to be output.
  • the memory 20 stores a cardless withdrawal protection program 40, and the cardless withdrawal protection program 40 can be executed by the processor 10 to implement the cardless withdrawal protection method of the embodiments of the present application.
  • the processor 10 may be a central processing unit (Central Processing Unit) in some embodiments.
  • the display 30 may be an LED display, a liquid crystal display, a touch liquid crystal display, and an OLED (Organic) in some embodiments. Light-Emitting Diode, organic light emitting diodes), etc.
  • the display 30 is used to display information of the cardless withdrawal protection device and a user interface for displaying visualization, such as a random transaction code generation interface.
  • the components 10-30 of the cardless withdrawal protection device communicate with one another via a system bus.
  • the following steps are implemented when the processor 10 executes the protector 40 without card withdrawals in the memory 20:
  • the first random transaction code or the second random transaction code is a pre-stored digital password, and the pre-stored digital password is displayed in a preset alternative character on the display interface.
  • the first random transaction code and/or the second random transaction code includes an arrangement order prompt code.
  • the preset arrangement rule of the first random transaction code and the second random transaction code includes sequentially arranging according to the arrangement order prompt code, and arranging according to the first random transaction code and the second random transaction code
  • the first random transaction code and the digital password in the second random transaction code are arranged in a cross.
  • the user obtains the current location information of the user when receiving the card-free withdrawal request submitted by the user, and searches for the surrounding preset range according to the current location information of the user.
  • the steps of the ATM machine include:
  • the card-free withdrawal request includes bank card information to be withdrawn, withdrawal time, and withdrawal amount;
  • the ATM machines in the surrounding preset range are displayed in a preset order, and the distance between each ATM machine and the user is identified.
  • the step of confirming the ATM machine to be withdrawn according to the user's selection instruction, and generating and displaying the first random transaction code on the display interface includes:
  • the first random transaction code is generated and displayed on the display interface, otherwise the no card withdrawal request fails.
  • the first verification information is a preset character password or a track password.
  • the steps of combining the second random transaction code into a dynamic transaction code for withdrawal according to a preset arrangement rule include:
  • the second random transaction code is generated and displayed on the display interface, and the first random transaction code and the second random transaction code are combined into a dynamic transaction code for withdrawal according to a preset arrangement rule.
  • the second verification information is human body characteristic information pre-recorded by the user.
  • the step of obtaining the location information of the ATM machine to be withdrawn and continuously obtaining the location information of the user includes:
  • the location information of the user is continuously obtained, and the navigation path is generated and displayed according to the location information of the user and the location information of the to-be-paid machine.
  • FIG. 7 is a functional block diagram of a preferred embodiment of a system for installing a cardless withdrawal protection program.
  • a system for installing a cardless withdrawal protection program may be divided into one or more modules, the one or more modules being stored in the memory 20 and being processed by one or more processors ( This embodiment is performed by the processor 10) to complete the application.
  • a system in which a cardless withdrawal protection program is installed may be divided into a search module 21, a generation module 22, and a judgment protection module 23.
  • a module as referred to in the present application refers to a series of computer program instruction segments capable of performing a specific function, and is more suitable than the program to describe the execution process of the cardless withdrawal protection program in the cardless withdrawal protection device. The following description will specifically describe the functions of the modules 21-23.
  • the search module 21 is configured to obtain the current location information of the user when receiving the card-free withdrawal request submitted by the user, and search for the ATM machine in the preset range according to the current location information of the user;
  • the generating module 22 is configured to confirm the ATM machine to be withdrawn according to the user's selection instruction and perform the authority verification, and generate and display the first random transaction code on the display interface after the authority verification is performed;
  • the determining protection module 23 is configured to continuously acquire the location information of the user, determine whether the distance between the user and the ATM machine to be withdrawn is less than a preset distance, and if so, generate and display a second random transaction code on the display interface, where A random transaction code and a second random transaction code are combined into a dynamic transaction code for withdrawal according to a preset arrangement rule.
  • the first random transaction code or the second random transaction code is a pre-stored digital password, and the pre-stored digital password is displayed in a preset replacement character on the display interface.
  • the first random transaction code and/or the second random transaction code includes an arrangement order prompt code.
  • the preset arrangement rule of the first random transaction code and the second random transaction code includes sequentially arranging according to the arrangement order prompt code, and arranging according to the first random transaction code and the second random transaction code
  • the first random transaction code and the digital password in the second random transaction code are arranged in a cross.
  • the search module 21 includes:
  • a receiving unit configured to receive a card-free withdrawal request submitted by a user, where the card-free withdrawal request includes bank card information to be withdrawn, a withdrawal time, and a withdrawal amount;
  • a search unit configured to acquire current location information of the user, and search for an ATM machine in a preset range according to the current location information of the user;
  • the display unit is arranged to display the ATM machines in the preset range in a preset order, and identify the distance between each ATM machine and the user.
  • the generating module 22 includes:
  • a prompting unit configured to confirm the ATM machine to be withdrawn according to the user's selection instruction, prompting the user to input the first verification information and verifying;
  • the first generating unit is configured to generate and display the first random transaction code on the display interface if the verification succeeds, otherwise the cardless withdrawal request fails.
  • the first verification information is a preset character password or a track password.
  • the determining protection module 23 includes:
  • An obtaining unit configured to acquire location information of an ATM machine to be withdrawn, and continuously obtain location information of the user
  • the determining unit is configured to determine, according to the location information of the ATM machine to be withdrawn and the location information of the user, whether the distance between the user and the ATM machine to be withdrawn is less than a preset distance, and if yes, prompt the user to input the second verification information and verify ;
  • a second generating unit configured to generate and display a second random transaction code on the display interface if the verification is passed, the first random transaction code and the second random transaction code are combined into a dynamic transaction code for withdrawal according to a preset arrangement rule.
  • the second verification information is human body characteristic information pre-recorded by the user.
  • the obtaining unit includes:
  • an identifier subunit configured to acquire location information of the ATM machine to be withdrawn, and identify the ATM machine to be withdrawn at a corresponding location of the built-in map
  • the navigation sub-unit is configured to continuously acquire the location information of the user, and generate and display a navigation path according to the location information of the user and the location information of the to-be-paid machine.
  • the cardless withdrawal protection method obtains the current location information of the user when receiving the cardless withdrawal request submitted by the user, and Searching for the ATM machine in the surrounding preset range according to the current location information of the user; then confirming the ATM machine to be withdrawn according to the user's selection instruction and performing permission verification, and generating and displaying the first random transaction on the display interface after the authority verification is completed And continuously obtaining the location information of the user, determining whether the distance between the user and the ATM machine to be withdrawn is less than a preset distance, and if so, generating and displaying a second random transaction code on the display interface, the first random transaction code And the second random transaction code is combined into a dynamic transaction code for withdrawal according to a preset arrangement rule.
  • the random transaction code can be automatically generated according to the user's distance from the ATM machine to ensure that the user can get the complete withdrawal dynamic transaction code when approaching the ATM machine, improve the security of cardless withdrawal and ensure the security of the user'
  • a computer program to instruct related hardware (such as a processor, a controller, etc.), and the program can be stored in one.
  • the program when executed, may include the processes of the various method embodiments as described above.
  • the storage medium described therein may be a memory, a magnetic disk, an optical disk, or the like.

Abstract

本申请公开了一种无卡取款的保护方法、设备及存储介质，其中，所述无卡取款的保护方法通过当接收到用户提交的无卡取款请求时获取用户的当前位置信息，并根据用户的当前位置信息搜索周边预设范围内的ATM机；之后根据用户的选择指令确认待取款的ATM机并进行权限验证，当权限验证通后在显示界面生成并显示第一随机交易码；之后持续获取用户的位置信息，判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。分段自动生成随机交易码，确保用户在靠近ATM机时才得到完整的动态交易码，提高无卡取款的安全性。

Description

一种无卡取款的保护方法、设备及存储介质
本申请要求申请号为201810027460.1、发明名称为“一种无卡取款的保护方法、设备及存储介质”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及电子技术领域，具体涉及一种无卡取款的保护方法、设备及存储介质。
背景技术
目前人们从银行取现金的方式通常是通过携带银行卡至ATM机，凭银行卡密码进行取款操作，但难免可能遇上临时取款但是没有携带银行卡的尴尬情况，因此近年来多家银行都开通了无卡取款功能，用户申请无卡取款后可凭借银行后台临时发送的交易码进行取款操作，方便快捷。
然而无卡取款在给用户提供便利的同时也存在一定的安全风险，目前的无卡取款操作中，银行后台在接收到无卡取款申请后将立即发送交易码至用户手机，如果在用户去往ATM机的路途中该交易码被他人获取，则可能发生资金盗取风险，损害用户利益。
因此，现有技术还有待于改进和发展。
发明内容
鉴于上述现有技术的不足之处，本申请的目的在于提供一种无卡取款的保护方法、设备及存储介质，能根据用户距ATM机的距离分段自动生成随机交易码，确保用户在靠近ATM机时才能得到完整的取款动态交易码，提高无卡取款的安全性，保证用户的财产安全。
为了达到上述目的，本申请采取了以下技术方案：
一种无卡取款的保护方法，其包括如下步骤：
当接收到用户提交的无卡取款请求时获取用户的当前位置信息，并根据所述用户的当前位置信息搜索周边预设范围内的ATM机；
根据用户的选择指令确认待取款的ATM机并进行权限验证，当权限验证通后在显示界面生成并显示第一随机交易码；
持续获取用户的位置信息，判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。
所述的无卡取款的保护方法中，所述第一随机交易码或第二随机交易码为预先存储的数字密码，且在显示界面以预设替代字符显示所述预先存储的数字密码。
所述的无卡取款的保护方法中，所述第一随机交易码和/或第二随机交易码中包含排列顺序提示码。
所述的无卡取款的保护方法中，所述第一随机交易码和第二随机交易码的预设排列规则包括根据所述排列顺序提示码进行顺序排列、根据所述第一随机交易码和第二随机交易码的数字大小进行排列或者将第一随机交易码和第二随机交易码中的数字密码交叉排列。
所述的无卡取款的保护方法中，所述当接收到用户提交的无卡取款请求时获取用户的当前位置信息，并根据所述用户的当前位置信息搜索周边预设范围内的ATM机的步骤包括：
接收用户提交的无卡取款请求，所述无卡取款请求包括待取款的银行卡信息、取款时间以及取款金额；
获取用户的当前位置信息，根据所述用户的当前位置信息搜索周边预设范围内的ATM机；
将周边预设范围内的ATM机按预设顺序排列显示，并标识各台ATM机与用户之间的距离。
所述的无卡取款的保护方法中，所述根据用户的选择指令确认待取款的ATM机并进行权限验证，当权限验证通后在显示界面生成并显示第一随机交易码的步骤包括：
根据用户的选择指令确认待取款的ATM机，提示用户输入第一验证信息并进行验证；
若验证通过则在显示界面生成并显示第一随机交易码，否则无卡取款请求失败。
所述的无卡取款的保护方法中，所述持续获取用户的位置信息，判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码的步骤包括：
获取待取款的ATM机的位置信息，并持续获取用户的位置信息；
根据待取款的ATM机的位置信息和用户的位置信息判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则提示用户输入第二验证信息并进行验证；
若验证通过则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。
所述的无卡取款的保护方法中，所述获取待取款的ATM机的位置信息，并持续获取用户的位置信息的步骤包括：
获取待取款的ATM机的位置信息，在内置地图的对应位置上标识该待取款的ATM机；
持续获取用户的位置信息，并根据用户的位置信息与待取款机的位置信息生成并显示导航路径。
一种无卡取款的保护设备，其包括：处理器、存储器和通信总线；
所述存储器上存储有可被所述处理器执行的计算机可读程序；
所述通信总线实现处理器和存储器之间的连接通信；
所述处理器执行所述计算机可读程序时实现如上所述的无卡取款的保护方法中的步骤。
一种计算机可读存储介质，所述计算机可读存储介质存储有一个或者多个程序，所述一个或者多个程序可被一个或者多个处理器执行，以实现如上所述的无卡取款的保护方法中的步骤。
相较于现有技术，本申请提供的无卡取款的保护方法、设备及存储介质中，所述无卡取款的保护方法通过当接收到用户提交的无卡取款请求时获取用户的当前位置信息，并根据所述用户的当前位置信息搜索周边预设范围内的ATM机；之后根据用户的选择指令确认待取款的ATM机并进行权限验证，当权限验证通后在显示界面生成并显示第一随机交易码；之后持续获取用户的位置信息，判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。能根据用户距ATM机的距离分段自动生成随机交易码，确保用户在靠近ATM机时才能得到完整的取款动态交易码，提高无卡取款的安全性，保证用户的财产安全。
附图说明
图1为本申请提供的无卡取款的保护方法的流程图；
图2为本申请提供的无卡取款的保护方法中步骤S10的流程图；
图3为本申请提供的无卡取款的保护方法中步骤S20的流程图；
图4为本申请提供的无卡取款的保护方法中步骤S30的流程图；
图5为本申请提供的无卡取款的保护方法中步骤S31的流程图；
图6为本申请无卡取款的保护程序的较佳实施例的运行环境示意图；
图7为本申请安装无卡取款的保护程序的系统较佳实施例的功能模块图。
具体实施方式
鉴于现有技术中无卡取款的临时交易码存在一次性被他人获取的风险等缺点，本申请的目的在于提供一种无卡取款的保护方法、设备及存储介质，能根据用户距ATM机的距离分段自动生成随机交易码，确保用户在靠近ATM机时才能得到完整的取款动态交易码，提高无卡取款的安全性，保证用户的财产安全。
为使本申请的目的、技术方案及效果更加清楚、明确，以下参照附图并举实施例对本申请进一步详细说明。应当理解，此处所描述的具体实施例仅用以解释本申请，并不用于限定本申请。
请参阅图1，本申请提供的无卡取款的保护方法包括以下步骤：
S10、当接收到用户提交的无卡取款请求时获取用户的当前位置信息，并根据所述用户的当前位置信息搜索周边预设范围内的ATM机。
本实施例中，用户可通过多种智能终端APP提交无卡取款请求，以手机为例，当用户需要进行无卡取款时，在对应银行的手机银行APP上提交无卡取款请求，当接收到该请求时，开启手机的GPS定位装置，获取用户的当前位置信息，根据所述用户的当前位置信息搜索周边预设范围内的所有ATM机，优选可基于当前的位置信息搜索方圆2公里之内的ATM机，便于用户能快速到达取得现金。具体的搜索过程请参阅图2，其为本申请提供的无卡取款的保护方法中步骤S10的流程图。
如图2所示，所述步骤S10包括：
S11、接收用户提交的无卡取款请求，所述无卡取款请求包括待取款的银行卡信息、取款时间以及取款金额；
S12、获取用户的当前位置信息，根据所述用户的当前位置信息搜索周边预设范围内的ATM机；
S13、将周边预设范围内的ATM机按预设顺序排列显示，并标识各台ATM机与用户之间的距离。
本实施例中用户通过手机银行APP提交无卡取款请求，在提交该请求时需选择待取款的银行卡、取款时间以及取款金额，其中取款时间可以预约某一时间（例如预约当天下午3点取款）或者选择立即取款，若选择立即取款则将设置一取款限制时间，例如在申请成功后20分钟之内需取款，否则本次申请失效，用户需重新申请。在接收到无卡取款请求后开启手机的GPS定位装置，获取当前用户的位置信息，搜索周边预设范围内的所有ATM机，所述预设范围为默认值，例如2公里，当然用户也可手动更改，例如设置为500m，从而搜索离自身更近的ATM机。搜索到周边所有ATM机之后，将其按预设顺序排列显示，例如按距离从近到远进行显示，并标识出各个ATM机与当前手机之间的距离，用户可优选获取到距离其最近的ATM机的信息，便于快速取到现金。
S20、根据用户的选择指令确认待取款的ATM机并进行权限验证，当权限验证通后在显示界面生成并显示第一随机交易码。
搜索并显示周围的ATM机列表后，用户可根据需要任意选择一个待取款的ATM机，当待取款的ATM机确定后先进行无卡取款申请的权限验证，权限验证通过后在手机的显示界面生成并显示第一随机交易码，本实施例中，该第一随机交易码为智能终端自动生成，无需通过目前常用的短信方式来接收银行后台发送的随机交易码，减少在发送过程中被截取的风险，提高取款安全性。请参阅图3，其为本申请提供的无卡取款的保护方法中步骤S20的流程图。
如图3所示，所述步骤S20包括：
S21、根据用户的选择指令确认待取款的ATM机，提示用户输入第一验证信息并进行验证；
S22、若验证通过则在显示界面生成并显示第一随机交易码，否则无卡取款请求失败。
本实施例中，为进一步提高取款的安全性，在用户选择待取款的ATM机后，先提示用户输入第一验证信息并进行验证，其中所述第一验证信息优选为预设的字符密码或轨迹密码，即当用户提交了无卡取款请求并选择ATM机后先进行初次权限验证，提示用户输入第一验证信息，并将用户输入的第一验证信息与预存的验证信息对比，判断是否一致，若一致则验证通过，在手机的显示界面生成并显示第一随机交易码，若不一致，则该次无卡取款请求失败，在生成第一随机交易码前先进行取款权限验证，保证当前是银行卡的持有者在进行无卡取款申请操作，保护用户的财产安全。
S30、持续获取用户的位置信息，判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。
当初次权限验证通过且生成第一随机交易码之后，保持手机的GPS定位装置持续开启，持续获取用户的位置信息，判断用户与待取款的ATM机之间的距离是否小于预设距离，具体地，可根据用户提交的取款时间控制获取用户的位置信息的开始事情，例如，若用户预约某一时间进行取款，则在该时间到达前的预设时间进行位置检测，例如预约下午3点取款，在距离取款时间较远时关闭定位功能，在下午2点半时再开启自动定位，实时获取位置信息，若用户选择立即取款，则在申请成功后即开始实时获取位置信息，从而在保证成功获取位置信息的同时也能根据取款情况最大程度节约系统功耗。
当用户与待取款的ATM机之间的距离是否小于预设距离时，例如预设距离为100m，则说明用户即将达到ATM机处，此时在手机的显示界面生成并显示第二随机交易码，同样该第二随机交易码为智能终端自动生成，接收通过短信接收，且所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。用户可根据提前设置的排列规则组合该第一随机交易码和第二随机交易码，即可得到用于取款的动态交易码，例如动态交易码的排列规则为第一随机交易码+第二随机交易码，或者交换二者的顺序，或者穿插排列，具体用户可根据自身需求设置，在生成第二随机交易码后，银行后台获取该第一随机交易码和第二随机交易码以待取款验证。
通过用户距ATM机的距离分段自动生成随机交易码，能确保用户在靠近ATM机时才能得到完整的用于取款的动态交易码，且两次随机交易码均为终端自动生成，避免通过短信接收导致的交易码泄露，同时将动态交易码拆分生成第一随机交易码和第二随机交易码，只有知道排列规则的用户才能得出正确的动态交易码，他人即使窃取到了两次随机交易码也无法得出最终的动态交易码，大大提高了取款的私密性。请参阅图4，其为本申请提供的无卡取款的保护方法中步骤S30的流程图。
如图4所示，所述步骤S30包括：
S31、获取待取款的ATM机的位置信息，并持续获取用户的位置信息；
S32、根据待取款的ATM机的位置信息和用户的位置信息判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则提示用户输入第二验证信息并进行验证；
S33、若验证通过则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。
本实施例中，选择了待取款的ATM机之后，开启GPS定位装置，获取该ATM机的位置信息，并持续获取用户的位置信息，之后根据待取款的ATM机的位置与用户的位置来判断二者之间的距离是否小于预设距离，若是，为了进一步提高取款的安全性，此时提示用户输入第二验证信息并进行验证，其中所述第二验证信息优选为用户预先录入的人体特征信息，例如指纹特征、人脸特征或者虹膜特征等等，并将用户输入的第二验证信息与预存的验证信息对比，判断是否一致，若一致则验证通过，在手机的显示界面生成并显示第二随机交易码，若不一致，则不生成第二随机交易码，即无法获取到最终的动态交易码。在用户到达ATM机处时，再一次进行人体特征信息验证，确保即将进行取款操作的是用户本人，避免他们通过验证从而盗取动态交易码。请参阅图5，其为本申请提供的无卡取款的保护方法中步骤S31的流程图。
如图5所示，所述步骤S31包括：
S301、获取待取款的ATM机的位置信息，在内置地图的对应位置上标识该待取款的ATM机；
S302、持续获取用户的位置信息，并根据用户的位置信息与待取款机的位置信息生成并显示导航路径。
本实施例中，在获取了待取款ATM机的位置信息后，在内置地图的对应位置上进行标识，以便用户知道该ATM机的大体位置，且持续获取用户的位置信息并根据用户的位置信息与目的地即ATM机的位置生成并显示导航路径，避免由于用户不熟路从而无法找到改ATM机耽误取款。
优选地，本申请优选实施例中，所述第一随机交易码或第二随机交易码为预先存储的数字密码，且在显示界面以预设替代字符显示所述预先存储的数字密码，即用户可预设一数字密码作为第一随机交易码或第二随机交易码，在进行随机交易码的生成和显示时，该数字密码并不进行显示，而是以例如星号“*”或井号“#”等预设替代字符进行显示，避免旁人偷窥或被截取，由于该数字密码为用户预存的，具体字符只为用户所知，进一步提高了动态交易码的私密性和安全性。
进一步地，所述第一随机交易码和/或第二随机交易码中包含排列顺序提示码，即所述第一随机交易码和第二随机交易码中，至少有一个包含了顺序提示码，也就是说，第一随机交易码和第二随机交易码的所有数字中，只有部分是组成动态交易码的数字，而其余部分则为顺序提示码，用户可根据顺序提示码以及其他数字得出最终的动态交易码，而对于他人来说，顺序提示码与其他数字并无异同，能有效提高随机交易码的安全性。
具体地，在进行第一随机交易码和第二随机交易码的排列组合时，可包括多种方式，用户可预先在手机银行APP中设置第一随机交易码和第二随机交易码的排列方式，以得到最终的用于取款的动态交易码，具体所述第一随机交易码和第二随机交易码的预设排列规则至少包括根据所述排列顺序提示码进行顺序排列、根据所述第一随机交易码和第二随机交易码的数字大小进行排列或者将第一随机交易码和第二随机交易码中的数字密码交叉排列这三种排列规则，
例如，当预设排列规则为根据所述排列顺序提示码进行顺序排列时，以第一随机交易码中包含排列顺序码，最终的动态交易码为6位为例，在用户初次权限验证通过后在手机显示界面先生成并显示第一随机交易码，其中两位数字为顺序提示码，具体交易码和顺序提示码的设置规则用户可提前预设，例如生成“1524”，表示第2位为1，第4位为5，之后当用户距离ATM机100m以内时，在手机显示界面生成并显示第二随机交易码，可默认为按顺序显示，例如显示“2657”，则该次的动态交易码为216557，此时银行后台获取该完整动态交易码以待取款验证，用户凭借该随机交易码进行取款，通过顺序提示码有效混淆真正的交易码，对他人窃取交易码带来模糊信息，大大提高了交易码的安全性。
当预设排列规则为根据所述第一随机交易码和第二随机交易码的数字大小进行排列时，在生成并显示了第一随机交易码和第二随机交易码后，将其中所有的数字密码按数字大小从小到大或者从大到小顺序排列即可得到用于取款的动态交易码。
当预设排列规则为将第一随机交易码和第二随机交易码中的数字密码交叉排列，在生成并显示了第一随机交易码和第二随机交易码后，以第一随机交易码在先或者第二随机交易码在先的顺序，将二者中的数字密码交叉排列，得到用于取款的动态交易码，例如当前第一随机交易码为142，第二随机交易码为539，以第一随机交易码在先为例，将将第一随机交易码和第二随机交易码中的数字密码交叉排列，即得到154329这一动态交易码用于本次无卡取款。
如图6所示，基于上述无卡取款的保护方法，本申请还相应提供了一种无卡取款的保护设备，所述无卡取款的保护设备可以是移动终端、桌上型计算机、笔记本、掌上电脑及服务器等计算设备。该无卡取款的保护设备包括处理器10、存储器20及显示器30。图6仅示出了无卡取款的保护设备的部分组件，但是应理解的是，并不要求实施所有示出的组件，可以替代的实施更多或者更少的组件。
所述存储器20在一些实施例中可以是所述无卡取款的保护设备的内部存储单元，例如无卡取款的保护设备的硬盘或内存。所述存储器20在另一些实施例中也可以是所述无卡取款的保护设备的外部存储设备，例如所述无卡取款的保护设备上配备的插接式硬盘，智能存储卡（Smart Media Card, SMC），安全数字（Secure Digital, SD）卡，闪存卡（Flash Card）等。进一步地，所述存储器20还可以既包括所无卡取款的保护设备的内部存储单元也包括外部存储设备。所述存储器20用于存储安装于所述无卡取款的保护设备的应用软件及各类数据，例如所述安装无卡取款的保护设备的程序代码等。所述存储器20还可以用于暂时地存储已经输出或者将要输出的数据。在一实施例中，存储器20上存储有无卡取款的保护程序40，该无卡取款的保护程序40可被处理器10所执行，从而实现本申请各实施例的无卡取款的保护方法。
所述处理器10在一些实施例中可以是一中央处理器（Central Processing Unit, CPU），微处理器或其他数据处理芯片，用于运行所述存储器20中存储的程序代码或处理数据，例如执行所述无卡取款的保护方法等。
所述显示器30在一些实施例中可以是LED显示器、液晶显示器、触控式液晶显示器以及OLED（Organic Light-Emitting Diode，有机发光二极管）触摸器等。所述显示器30用于显示在所述无卡取款的保护设备的信息以及用于显示可视化的用户界面，例如随机交易码生成界面等。所述无卡取款的保护设备的部件10-30通过系统总线相互通信。
在一实施例中，当处理器10执行所述存储器20中无卡取款的保护程序40时实现以下步骤：
当接收到用户提交的无卡取款请求时获取用户的当前位置信息，并根据所述用户的当前位置信息搜索周边预设范围内的ATM机；
根据用户的选择指令确认待取款的ATM机并进行权限验证，当权限验证通后在显示界面生成并显示第一随机交易码；
持续获取用户的位置信息，判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。
所述第一随机交易码或第二随机交易码为预先存储的数字密码，且在显示界面以预设替代字符显示所述预先存储的数字密码。
所述第一随机交易码和/或第二随机交易码中包含排列顺序提示码。
所述第一随机交易码和第二随机交易码的预设排列规则包括根据所述排列顺序提示码进行顺序排列、根据所述第一随机交易码和第二随机交易码的数字大小进行排列或者将第一随机交易码和第二随机交易码中的数字密码交叉排列。
进一步的，在所述无卡取款的保护设备中，所述当接收到用户提交的无卡取款请求时获取用户的当前位置信息，并根据所述用户的当前位置信息搜索周边预设范围内的ATM机的步骤包括：
接收用户提交的无卡取款请求，所述无卡取款请求包括待取款的银行卡信息、取款时间以及取款金额；
获取用户的当前位置信息，根据所述用户的当前位置信息搜索周边预设范围内的ATM机；
将周边预设范围内的ATM机按预设顺序排列显示，并标识各台ATM机与用户之间的距离。
所述根据用户的选择指令确认待取款的ATM机，在显示界面生成并显示第一随机交易码的步骤包括：
根据用户的选择指令确认待取款的ATM机，提示用户输入第一验证信息并进行验证；
若验证通过则在显示界面生成并显示第一随机交易码，否则无卡取款请求失败。
所述第一验证信息为预设的字符密码或轨迹密码。
所述持续获取用户的位置信息，判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码的步骤包括：
获取待取款的ATM机的位置信息，并持续获取用户的位置信息；
根据待取款的ATM机的位置信息和用户的位置信息判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则提示用户输入第二验证信息并进行验证；
若验证通过则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。
所述第二验证信息为用户预先录入的人体特征信息。
所述获取待取款的ATM机的位置信息，并持续获取用户的位置信息的步骤包括：
获取待取款的ATM机的位置信息，在内置地图的对应位置上标识该待取款的ATM机；
持续获取用户的位置信息，并根据用户的位置信息与待取款机的位置信息生成并显示导航路径。
请参阅图7，其为本申请安装无卡取款的保护程序的系统较佳实施例的功能模块图。在本实施例中，安装无卡取款的保护程序的系统可以被分割成一个或多个模块，所述一个或者多个模块被存储于所述存储器20中，并由一个或多个处理器（本实施例为所述处理器10）所执行，以完成本申请。例如，在图7中，安装无卡取款的保护程序的系统可以被分割成搜索模块21、生成模块22和判断保护模块23。本申请所称的模块是指能够完成特定功能的一系列计算机程序指令段，比程序更适合于描述所述无卡取款的保护程序在所述无卡取款的保护设备中的执行过程。以下描述将具体介绍所述模块21-23的功能。
搜索模块21，用于接收到用户提交的无卡取款请求时获取用户的当前位置信息，并根据所述用户的当前位置信息搜索周边预设范围内的ATM机；
生成模块22，用于根据用户的选择指令确认待取款的ATM机并进行权限验证，当权限验证通后在显示界面生成并显示第一随机交易码；
判断保护模块23，用于持续获取用户的位置信息，判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。
其中，所述第一随机交易码或第二随机交易码为预先存储的数字密码，且在显示界面以预设替代字符显示所述预先存储的数字密码。
所述第一随机交易码和/或第二随机交易码中包含排列顺序提示码。
所述第一随机交易码和第二随机交易码的预设排列规则包括根据所述排列顺序提示码进行顺序排列、根据所述第一随机交易码和第二随机交易码的数字大小进行排列或者将第一随机交易码和第二随机交易码中的数字密码交叉排列。
所述搜索模块21包括：
接收单元，用于接收用户提交的无卡取款请求，所述无卡取款请求包括待取款的银行卡信息、取款时间以及取款金额；
搜索单元，用于获取用户的当前位置信息，根据所述用户的当前位置信息搜索周边预设范围内的ATM机；
排列显示单元，用于将周边预设范围内的ATM机按预设顺序排列显示，并标识各台ATM机与用户之间的距离。
所述生成模块22包括：
提示单元，用于根据用户的选择指令确认待取款的ATM机，提示用户输入第一验证信息并进行验证；
第一生成单元，用于若验证通过则在显示界面生成并显示第一随机交易码，否则无卡取款请求失败。
所述第一验证信息为预设的字符密码或轨迹密码。
所述判断保护模块23包括：
获取单元，用于获取待取款的ATM机的位置信息，并持续获取用户的位置信息；
判断单元，用于根据待取款的ATM机的位置信息和用户的位置信息判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则提示用户输入第二验证信息并进行验证；
第二生成单元，用于若验证通过则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。
所述第二验证信息为用户预先录入的人体特征信息。
所述获取单元包括：
获取标识子单元，用于获取待取款的ATM机的位置信息，在内置地图的对应位置上标识该待取款的ATM机；
导航子单元，用于持续获取用户的位置信息，并根据用户的位置信息与待取款机的位置信息生成并显示导航路径。
综上所述，本申请提供的无卡取款的保护方法、设备及存储介质中，所述无卡取款的保护方法通过当接收到用户提交的无卡取款请求时获取用户的当前位置信息，并根据所述用户的当前位置信息搜索周边预设范围内的ATM机；之后根据用户的选择指令确认待取款的ATM机并进行权限验证，当权限验证通后在显示界面生成并显示第一随机交易码；之后持续获取用户的位置信息，判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。能根据用户距离ATM机的距离分段自动生成随机交易码，确保用户在靠近ATM机时才能得到完整的取款动态交易码，提高无卡取款的安全性，保证用户的财产安全。
当然，本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机程序来指令相关硬件（如处理器，控制器等）来完成，所述的程序可存储于一计算机可读取的存储介质中，该程序在执行时可包括如上述各方法实施例的流程。其中所述的存储介质可为存储器、磁碟、光盘等。
应当理解的是，本申请的应用不限于上述的举例，对本领域普通技术人员来说，可以根据上述说明加以改进或变换，所有这些改进和变换都应属于本申请所附权利要求的保护范围。

Claims (20)

  1. 一种无卡取款的保护方法，其特征在于，包括如下步骤：
    当接收到用户提交的无卡取款请求时获取用户的当前位置信息，并根据所述用户的当前位置信息搜索周边预设范围内的ATM机；
    根据用户的选择指令确认待取款的ATM机并进行权限验证，当权限验证通后在显示界面生成并显示第一随机交易码；
    持续获取用户的位置信息，判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。
  2. 根据权利要求1所述的无卡取款的保护方法，其特征在于，所述第一随机交易码或第二随机交易码为预先存储的数字密码，且在显示界面以预设替代字符显示所述预先存储的数字密码。
  3. 根据权利要求2所述的无卡取款的保护方法，其特征在于，所述第一随机交易码和/或第二随机交易码中包含排列顺序提示码。
  4. 根据权利要求3所述的无卡取款的保护方法，其特征在于，所述第一随机交易码和第二随机交易码的预设排列规则包括根据所述排列顺序提示码进行顺序排列、根据所述第一随机交易码和第二随机交易码的数字大小进行排列或者将第一随机交易码和第二随机交易码中的数字密码交叉排列。
  5. 根据权利要求4所述的无卡取款的保护方法，其特征在于，所述持续获取用户的位置信息，判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码的步骤包括：
    获取待取款的ATM机的位置信息，并持续获取用户的位置信息；
    根据待取款的ATM机的位置信息和用户的位置信息判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则提示用户输入第二验证信息并进行验证；
    若验证通过则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。
  6. 根据权利要求5所述的无卡取款的保护方法，其特征在于，所述获取待取款的ATM机的位置信息，并持续获取用户的位置信息的步骤包括：
    获取待取款的ATM机的位置信息，在内置地图的对应位置上标识该待取款的ATM机；
    持续获取用户的位置信息，并根据用户的位置信息与待取款机的位置信息生成并显示导航路径。
  7. 根据权利要求4所述的无卡取款的保护方法，其特征在于，所述持续获取用户的位置信息，判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码的步骤包括：
    获取待取款的ATM机的位置信息，并持续获取用户的位置信息；
    根据待取款的ATM机的位置信息和用户的位置信息判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则提示用户输入第二验证信息并进行验证；
    若验证通过则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。
  8. 根据权利要求3所述的无卡取款的保护方法，其特征在于，所述根据用户的选择指令确认待取款的ATM机并进行权限验证，当权限验证通后在显示界面生成并显示第一随机交易码的步骤包括：
    根据用户的选择指令确认待取款的ATM机，提示用户输入第一验证信息并进行验证；
    若验证通过则在显示界面生成并显示第一随机交易码，否则无卡取款请求失败。
  9. 根据权利要求8所述的无卡取款的保护方法，其特征在于，所述持续获取用户的位置信息，判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码的步骤包括：
    获取待取款的ATM机的位置信息，并持续获取用户的位置信息；
    根据待取款的ATM机的位置信息和用户的位置信息判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则提示用户输入第二验证信息并进行验证；
    若验证通过则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。
  10. 根据权利要求2所述的无卡取款的保护方法，其特征在于，所述持续获取用户的位置信息，判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码的步骤包括：
    获取待取款的ATM机的位置信息，并持续获取用户的位置信息；
    根据待取款的ATM机的位置信息和用户的位置信息判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则提示用户输入第二验证信息并进行验证；
    若验证通过则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。
  11. 根据权利要求2所述的无卡取款的保护方法，其特征在于，所述根据用户的选择指令确认待取款的ATM机并进行权限验证，当权限验证通后在显示界面生成并显示第一随机交易码的步骤包括：
    根据用户的选择指令确认待取款的ATM机，提示用户输入第一验证信息并进行验证；
    若验证通过则在显示界面生成并显示第一随机交易码，否则无卡取款请求失败。
  12. 根据权利要求1所述的无卡取款的保护方法，其特征在于，所述当接收到用户提交的无卡取款请求时获取用户的当前位置信息，并根据所述用户的当前位置信息搜索周边预设范围内的ATM机的步骤包括：
    接收用户提交的无卡取款请求，所述无卡取款请求包括待取款的银行卡信息、取款时间以及取款金额；
    获取用户的当前位置信息，根据所述用户的当前位置信息搜索周边预设范围内的ATM机；
    将周边预设范围内的ATM机按预设顺序排列显示，并标识各台ATM机与用户之间的距离。
  13. 根据权利要求1所述的无卡取款的保护方法，其特征在于，所述根据用户的选择指令确认待取款的ATM机并进行权限验证，当权限验证通后在显示界面生成并显示第一随机交易码的步骤包括：
    根据用户的选择指令确认待取款的ATM机，提示用户输入第一验证信息并进行验证；
    若验证通过则在显示界面生成并显示第一随机交易码，否则无卡取款请求失败。
  14. 根据权利要求1所述的无卡取款的保护方法，其特征在于，所述持续获取用户的位置信息，判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码的步骤包括：
    获取待取款的ATM机的位置信息，并持续获取用户的位置信息；
    根据待取款的ATM机的位置信息和用户的位置信息判断用户与待取款的ATM机之间的距离是否小于预设距离，若是，则提示用户输入第二验证信息并进行验证；
    若验证通过则在显示界面生成并显示第二随机交易码，所述第一随机交易码和第二随机交易码按预设排列规则组合为用于取款的动态交易码。
  15. 根据权利要求1所述的无卡取款的保护方法，其特征在于，所述获取待取款的ATM机的位置信息，并持续获取用户的位置信息的步骤包括：
    获取待取款的ATM机的位置信息，在内置地图的对应位置上标识该待取款的ATM机；
    持续获取用户的位置信息，并根据用户的位置信息与待取款机的位置信息生成并显示导航路径。
  16. 根据权利要求1所述的无卡取款的保护方法，其特征在于，所述第一随机交易码和/或第二随机交易码中包含排列顺序提示码。
  17. 一种无卡取款的保护设备，其特征在于，包括：处理器、存储器和通信总线；
    所述存储器上存储有可被所述处理器执行的计算机可读程序；
    所述通信总线实现处理器和存储器之间的连接通信；
    所述处理器执行所述计算机可读程序时实现如权利要求1所述的无卡取款的保护方法中的步骤。
  18. 根据权利要求17所述的无卡取款的保护设备，其特征在于，包括：处理器、存储器和通信总线；
    所述存储器上存储有可被所述处理器执行的计算机可读程序；
    所述通信总线实现处理器和存储器之间的连接通信；
    所述处理器执行所述计算机可读程序时实现如权利要求2至16任意一项所述的无卡取款的保护方法中的步骤。
  19. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质存储有一个或者多个程序，所述一个或者多个程序可被一个或者多个处理器执行，以实现如权利要求1所述的无卡取款的保护方法中的步骤。
  20. 根据权利要求19所述的计算机可读存储介质，其特征在于，所述计算机可读存储介质存储有一个或者多个程序，所述一个或者多个程序可被一个或者多个处理器执行，以实现如权利要求2至16所述的无卡取款的保护方法中的步骤。
PCT/CN2018/084546 2018-01-11 2018-04-26 一种无卡取款的保护方法、设备及存储介质 WO2019136881A1 (zh)

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