CN104408832A - Method and system for finishing ATM (automatic teller machine) money withdrawing through mobile equipment - Google Patents
Method and system for finishing ATM (automatic teller machine) money withdrawing through mobile equipment Download PDFInfo
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- CN104408832A CN104408832A CN201410621781.6A CN201410621781A CN104408832A CN 104408832 A CN104408832 A CN 104408832A CN 201410621781 A CN201410621781 A CN 201410621781A CN 104408832 A CN104408832 A CN 104408832A
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Abstract
The invention relates to the field of financial services, in particular to a method and a system for finishing ATM (automatic teller machine) money withdrawing through mobile equipment. The method comprises the following steps that system serial number information of an ATM is acquired through the mobile equipment, and withdrawing amount and the system serial number of the ATM are transmitted to a financial management center; the financial management center transmits verification information to the mobile equipment; the ATM identifies and confirms the verification information through the financial management center, and after the confirmation is successful, cash is dispensed. The system comprises the mobile equipment, the ATM and the financial management center. By the technical scheme provided by the invention, a bank card is not required when ATM cash is finished, and the problems of inconvenience in storage and carrying of multiple bank cards, and deficiency in safety and withdrawing convenience are solved.
Description
Technical field
The present invention relates to financial services industry, particularly relate to and complete by mobile device the method and system that ATM withdraws the money.
Background technology
Along with the development of financial industry and the appearance of numerous bank, need in people's daily life to use the different types of bank card of a large amount of different bank, especially needing to find corresponding bank card when using ATM to complete and withdraw the money function, being completed by the mode inserting bank card in ATM cash dispenser and withdrawing the money.On the one hand, need to keep properly various bank card in life on ordinary days, on the other hand, need to carry corresponding bank card complex operation in the process of withdrawing the money.
Along with the high speed development of internet in recent years, make networking payment function application general, people can complete remittance and pay on the net, without the need to completing corresponding function in bank or ATM, but in prior art, people need when cash withdrawal to use miscellaneous bank card, take care of, carry, security and convenience of withdrawing the money exist very large problem.
Summary of the invention
For produced problem in background technology, the invention provides and complete by mobile device the method that ATM withdraws the money, said method comprising the steps of:
The System Number information of ATM is obtained by described mobile device;
By described mobile device, the System Number of withdraw funds and described ATM is sent to Financial Management center;
Described Financial Management center sends authorization information to described mobile device;
Described ATM identification also confirms described authorization information by described Financial Management center, confirms note output successfully.
Preferably, described mobile device comprises: at least one in mobile phone, notebook computer, panel computer, personal digital assistant and customization specialized equipment.
In above-mentioned either a program preferably, described mobile device possesses communication function.
In above-mentioned either a program preferably, the mode of described mobile device acquisition ATM System Number information comprises: at least one in image input, handwriting input, input through keyboard and audio frequency input.
In above-mentioned either a program preferably, described image input mode comprises at least one in Quick Response Code scanning, bar code scan, image recognition.
In above-mentioned either a program preferably, the mode of described Financial Management center transmission authorization information comprises: at least one in image, text message and audio-frequency information.
In above-mentioned either a program preferably, described image comprise Quick Response Code, bar code, normal image, OCR can be used to identify image at least one.
In above-mentioned either a program preferably, described method comprises further: confirm unsuccessfully, and described Financial Management center sends failure information to described mobile device.
In above-mentioned either a program preferably, described failure information comprises: at least one in account mistake, account balance deficiency, ATM System Number mistake and mobile device numbering mistake.
In above-mentioned either a program preferably, the mode of described ATM identification authorization information comprises: at least one in image input, handwriting input, input through keyboard and audio frequency input.
In above-mentioned either a program preferably, described image input mode comprises at least one in Quick Response Code scanning, bar code scan, image recognition.
In above-mentioned either a program preferably, described method comprises further: described ATM identification also confirms described authorization information by described Financial Management center, sends recognition failures information after recognition failures.
In above-mentioned either a program preferably, described recognition failures information comprises: please again identify and/or please again verify.
In above-mentioned either a program preferably, described method comprises further: described mobile device is lost and/or leakage of personal information, can be completed by liaison mode and/or counter service in time to report the loss, make up.
Present invention also offers and complete by mobile device the system that ATM withdraws the money, described system comprises with lower module:
Mobile device, for obtaining transmission and the reception of ATM System Number and information;
ATM, for providing the identification of described System Number, information and transmission, note output;
Financial Management center, for receiving, processing the information of described mobile device and the transmission of described ATM, and sends authorization information to described mobile device, sends confirmation to described ATM.
Preferably, described mobile device comprises: at least one in mobile phone, notebook computer, panel computer, personal digital assistant and customization specialized equipment.
In above-mentioned either a program preferably, described mobile device possesses communication function.
In above-mentioned either a program preferably, the mode of described mobile device acquisition ATM System Number information comprises: at least one in image input, handwriting input, input through keyboard and audio frequency input.
In above-mentioned either a program preferably, described image input mode comprises at least one in Quick Response Code scanning, bar code scan, image recognition.
In above-mentioned either a program preferably, the mode of described Financial Management center transmission authorization information comprises: at least one in image, text message and audio-frequency information.
In above-mentioned either a program preferably, described image comprise Quick Response Code, bar code, normal image, OCR can be used to identify image at least one.
In above-mentioned either a program preferably, the authorization information that described Financial Management center sends comprises the information of being proved to be successful or authentication failed information.
In above-mentioned either a program preferably, described authentication failed information comprises: at least one in account mistake, account balance deficiency, ATM System Number mistake and mobile device numbering mistake.
In above-mentioned either a program preferably, the mode of described ATM identification authorization information comprises: at least one in image input, handwriting input, input through keyboard and audio frequency input.
In above-mentioned either a program preferably, described image input mode comprises at least one in Quick Response Code scanning, bar code scan, image recognition.
In above-mentioned either a program preferably, the confirmation packets of information that described Financial Management center sends is drawn together and is confirmed successful information or confirm failure information.
In above-mentioned either a program preferably, described confirmation failure information comprises: please again identify and/or please again verify.
In above-mentioned either a program preferably, described mobile device is lost and/or leakage of personal information, can be completed by liaison mode and/or counter service in time to report the loss, make up.
Technical scheme provided by the invention without the need to using bank card when completing ATM cash withdrawal, solves miscellaneous bank card storage, carries inconvenience, and the problem of security and convenience deficiency of withdrawing the money
Should be understood that, it is only exemplary and explanatory that above general description and details hereinafter describe, and can not limit the present invention.
Accompanying drawing explanation
Fig. 1 completes by mobile device the method flow diagram that ATM withdraws the money shown in the present invention one exemplary embodiment.
Fig. 2 completes by mobile phone the method flow diagram that ATM withdraws the money according to Fig. 1.
Fig. 3 completes by panel computer the method flow diagram that ATM withdraws the money according to Fig. 1.
Fig. 4 completes by equipment for customizing the method flow diagram that ATM withdraws the money according to Fig. 1.
Fig. 5 is completing ATM by mobile device and to withdraw the money system chart shown in the present invention one exemplary embodiment.
Embodiment
In conjunction with exemplary embodiment, the application is described with reference to the accompanying drawings.
Fig. 1 shows and completes by mobile device the method flow diagram that ATM withdraws the money shown in the present invention one exemplary embodiment, comprises the following steps as shown in the figure:
Step S101 mobile device obtains ATM number information;
Step S102 inputs withdraw funds;
The amount of money and ATM are numbered and are sent to Financial Management center by step S103;
Validation of information is carried out at step S104 Financial Management center;
Step S105 confirms to send failure information unsuccessfully to mobile device;
Step S106 confirms to send authorization information successfully to mobile device;
Authorization information described in the identification of step S107ATM machine is also sent to Financial Management center;
Validation of information is carried out at step S108 Financial Management center;
Step S109 confirms ATM display failure information unsuccessfully;
Step S110 confirms ATM note output successfully.
In step S101, described mobile device comprises at least one in mobile phone, notebook computer, panel computer, personal digital assistant and customization specialized equipment, described mobile device all has communication function simultaneously, carries out data transmission and/or data receiver by mobile network and Financial Management center.The mode that described mobile device obtains ATM numbering comprises at least one in image input, handwriting input, input through keyboard and audio frequency input, and wherein said image input mode comprises at least one in Quick Response Code scanning, bar code scan, image recognition.The application software that user installs at described mobile device in step s 102 inputs withdraw funds.Be sent to bank finance administrative center together with the withdraw funds that described ATM System Number information and described user input by described mobile device in step s 103, wait for that financial administrative center returns corresponding information.In step S104, withdrawal information described in described Financial Management receive centre and described ATM System Number information, and user identity and bank account information are checked.In step S105, described failure information comprises at least one in account mistake, information errors, account balance deficiency, ATM System Number mistake and mobile device numbering mistake.In step s 106, authorization information is sent to mobile device by Financial Management center, described authorization information comprises at least one in image, text message and audio-frequency information, described image comprise Quick Response Code, bar code, normal image, OCR can be used to identify image at least one.In step s 107, ATM and identify authorization information on described mobile device, recognition method comprises at least one in image input, handwriting input, input through keyboard and audio frequency input, and described image input mode comprises at least one in Quick Response Code scanning, bar code scan, image recognition.In step S108, the authorization information that ATM described in Financial Management receive centre sends, and carry out information comparison confirmation, confirm to send instruction successfully to ATM, ATM completes note output in step s 110, if confirmation checks failure, then Financial Management center sends failure information, and described failure information comprises and please again identifies and/or please again verify.
Technical scheme provided by the invention, when completing ATM cash withdrawal without the need to using bank card, only need can complete note output by mobile device, solve the various bank card storage of user types, carry the problem of inconvenience, simultaneously based on rational Validation Mode, ensure that the safety issue of withdrawing the money, convenience of withdrawing the money also significantly improves.
Fig. 2 completes by mobile phone the method flow diagram that ATM withdraws the money according to Fig. 1, in the present embodiment, mobile device selects mobile phone, and develop a set of counterpart application according to ATM flow process of withdrawing the money, complete the authority of withdrawing the money of described application by handling registration formality in bank, applied ATM by this mobile phone afterwards and withdrawn the money.
As shown in the figure, in step s 201, by the System Number information of mobile phone camera scan A TM machine, the System Number of ATM is obtained; In step S202, user inputs the amount of money that will withdraw the money in mobile phone application; In step S203, after user inputs complete withdraw funds and mobile phone application obtains ATM System Number information, send it to Financial Management center and carry out validation of information; In step S204, the ATM System Number that Financial Management receive centre sends to described mobile phone application, carry out the validation of information of ATM, check accounts information and balance amount information according to user's smart mobile phone application registration authority simultaneously, find that accounts information exists and authorizes authority of withdrawing the money, withdraw funds is less than account balance simultaneously, then in step S205, send authorization information apply to mobile phone; In step S206, ATM is by authorization information described in the camera identification that embeds, and sends it to Financial Management center and carry out secondary Inspection; In step S207, Financial Management center confirms successfully then to complete ATM note output in step S208.
In the present embodiment, the work that user does for obtaining ATM number information by mobile phone application, and inputs withdraw funds click transmission button, afterwards the authorization information be subject to is completed scanning recognition by ATM, completes note output after success.Omnidistance without the need to bank card support, simple flow, simultaneously through twice information comparison, safety coefficient is high.
Fig. 3 completes by panel computer the method flow diagram that ATM withdraws the money according to Fig. 1.Possess network savvy due to the universal of panel computer, become people and to go on a journey one of essential product, the present embodiment is the flow process of withdrawing the money being completed ATM by panel computer.
As shown in the figure, in step S301, obtain ATM by panel computer handwriting input; In step s 302, user inputs the amount of money that will withdraw the money in panel computer; In step S303, after user inputs complete withdraw funds and panel computer obtains ATM System Number information, send it to Financial Management center and carry out validation of information; In step s 304, the ATM System Number that Financial Management receive centre sends to described panel computer, carries out the validation of information of ATM; Confirm in step S305, then to send authorization information successfully to panel computer; In step S306, ATM is by authorization information described in the camera identification that embeds, and sends it to Financial Management center and carry out secondary Inspection; Owing to there is mistake in checking and/or identifying in step S307, the confirmation failure of Financial Management center, then in step S308, show failure information, described failure information comprises and please again identifies and/or please again verify, user can complete subsequent operation according to actual conditions.
Fig. 4 completes by equipment for customizing the method flow diagram that ATM withdraws the money according to Fig. 1.Equipment for customizing is the equipment of withdrawing the money made specially according to technical scheme provided by the invention.In the present embodiment, the process flow diagram of Financial Management center confirmation failure is given.
As shown in the figure, in step S401, equipment for customizing is by input through keyboard ATM System Number; In step S402, user inputs the amount of money that will withdraw the money in equipment for customizing; In step S403, after user inputs complete withdraw funds and equipment for customizing obtains ATM System Number information, send it to Financial Management center and carry out validation of information; In step s 404, during Financial Management center finds ATM System Number mistake, user account information mistake when carrying out validation of information, Sorry, your ticket has not enough value, any one then sends and confirms that failure information is to equipment for customizing in step S405, and user can complete subsequent operation according to information prompting.
Fig. 5 is completing ATM by mobile device and to withdraw the money system chart shown in the present invention one exemplary embodiment.As shown in the figure, system comprises mobile device 501, and described mobile device comprises at least one in mobile phone, notebook computer, panel computer, personal digital assistant and customization specialized equipment; ATM 502; Financial Management center 503.In described mobile device 501, module comprises ATM numbering acquisition module 5011, and for obtaining ATM System Number, obtain manner comprises at least one in image input, handwriting input, input through keyboard and audio frequency input; Withdraw funds load module 5012 is for completing the input of withdraw funds; Authorization information sending module 5013 is for being sent to Financial Management center 502 by described withdraw funds and described ATM System Number; The authorization information that authorization information receiver module 5014 sends for receiving Financial Management center 502.Described Financial Management center 502 comprises: receives information sending module 5021, for receiving information that mobile device 501 uploads and sending authorization information to described mobile device 501; Information comparison module 5022, the ATM number information sent for comparison mobile device 501 and withdraw funds.Described ATM 503 comprises: numbering module 5031, for providing ATM number information; Information identification sending module 5032 is for identifying the authorization information that mobile device 501 sends, described recognition method comprises at least one in image input, handwriting input, input through keyboard and audio frequency input, and described image input mode comprises image input mode and comprises at least one in Quick Response Code scanning, bar code scan, image recognition; Information receiving module 5033, for receiving the confirmation that Financial Management center 502 sends; Paper money supplying module 5034, for completing note output function.
The mobile device that the present embodiment provides completes the system that ATM withdraws the money, when completing ATM cash withdrawal without the need to using bank card, solve miscellaneous bank card storage, carry inconvenience, simultaneously by rational authentication module, ensure that and the security that user withdraws the money operationally simplify operating process by the visualization interface of human nature.
In order to understand the present invention better, in conjunction with specific embodiments the present invention to be explained in detail above.But, obviously can carry out different modification and remodeling to the present invention and not exceed the wider spirit and scope of the present invention that claim limits.Therefore, above embodiment has exemplary and hard-core implication.
Claims (10)
1. complete by mobile device the method that ATM withdraws the money, it is characterized in that, said method comprising the steps of:
The System Number information of ATM is obtained by described mobile device;
By described mobile device, the System Number of withdraw funds and described ATM is sent to Financial Management center;
Described Financial Management center sends authorization information to described mobile device;
Described ATM identification also confirms described authorization information by described Financial Management center, confirms note output successfully.
2. according to claim 1ly complete by mobile device the method that ATM withdraws the money, it is characterized in that, described mobile device comprises: at least one in mobile phone, notebook computer, panel computer, personal digital assistant and customization specialized equipment.
3. according to claim 2ly complete by mobile device the method that ATM withdraws the money, it is characterized in that, described mobile device possesses communication function.
4. according to claim 1ly complete by mobile device the method that ATM withdraws the money, it is characterized in that, the mode that described mobile device obtains ATM System Number information comprises: at least one during image input, handwriting input, input through keyboard and audio frequency input.
5. according to claim 4ly complete by mobile device the method that ATM withdraws the money, it is characterized in that, described image input mode comprises at least one in Quick Response Code scanning, bar code scan, image recognition.
6. according to claim 1ly complete by mobile device the method that ATM withdraws the money, it is characterized in that, the mode that described Financial Management center sends authorization information comprises: at least one in image, text message and audio-frequency information.
7. according to claim 6ly complete by mobile device the method that ATM withdraws the money, it is characterized in that, described image comprise Quick Response Code, bar code, normal image, OCR can be used to identify image at least one.
8. according to claim 1ly complete by mobile device the method that ATM withdraws the money, it is characterized in that, described method comprises further: confirm unsuccessfully, and described Financial Management center sends failure information to described mobile device.
9. according to claim 1ly complete by mobile device the method that ATM withdraws the money, it is characterized in that, the mode of described ATM identification authorization information comprises: at least one in image input, handwriting input, input through keyboard and audio frequency input.
10. complete by mobile device the system that ATM withdraws the money, it is characterized in that, described system comprises with lower module:
Mobile device, for obtaining transmission and the reception of ATM System Number and information;
ATM, for providing the identification of described System Number, information and transmission, note output;
Financial Management center, for receiving, processing the information of described mobile device and the transmission of described ATM, and sends authorization information to described mobile device, sends confirmation to described ATM.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410621781.6A CN104408832A (en) | 2014-11-07 | 2014-11-07 | Method and system for finishing ATM (automatic teller machine) money withdrawing through mobile equipment |
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| CN201410621781.6A CN104408832A (en) | 2014-11-07 | 2014-11-07 | Method and system for finishing ATM (automatic teller machine) money withdrawing through mobile equipment |
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| CN104821050A (en) * | 2015-04-30 | 2015-08-05 | 交通银行股份有限公司 | Method and system for manipulating automatic teller machine |
| CN105279694A (en) * | 2015-11-18 | 2016-01-27 | 深圳怡化电脑股份有限公司 | A method and a device for processing money withdrawing information of users |
| CN105447997A (en) * | 2015-11-16 | 2016-03-30 | 上海斐讯数据通信技术有限公司 | Method for drawing money from ATM without card and intelligent terminal |
| TWI886670B (en) * | 2023-12-04 | 2025-06-11 | 合作金庫商業銀行股份有限公司 | Card-free operating system of automatic teller machine (atm), mobile device and method for operating atm without card |
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Application publication date: 20150311 |