CN103377524A - Method for withdrawing money on site at bank by inputting short-message-service random authentication code - Google Patents
Method for withdrawing money on site at bank by inputting short-message-service random authentication code Download PDFInfo
- Publication number
- CN103377524A CN103377524A CN2012101160780A CN201210116078A CN103377524A CN 103377524 A CN103377524 A CN 103377524A CN 2012101160780 A CN2012101160780 A CN 2012101160780A CN 201210116078 A CN201210116078 A CN 201210116078A CN 103377524 A CN103377524 A CN 103377524A
- Authority
- CN
- China
- Prior art keywords
- bank
- user
- money
- validation code
- note
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 17
- 238000010200 validation analysis Methods 0.000 claims description 42
- 238000000605 extraction Methods 0.000 claims description 4
- 230000006399 behavior Effects 0.000 abstract 3
- 230000005540 biological transmission Effects 0.000 description 1
- 230000002950 deficient Effects 0.000 description 1
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a method for withdrawing money on side at the bank by inputting a short-message-service random authentication code. The method includes that when a user performs operant behaviors such as cash withdrawal, bank transfer, fee payment, payment and the like on site on occasions of a counter, an automatic teller machine, a cash deposit machine, and multimedia self-service machine and the like to enable capital to overflow from an account, a bank computer system sends a short message to a mobile phone number which is set by the user in advance through mobile phone network, the content of the short message comprises amount related to operations of the cash withdrawal, the bank transfer, the fee payment, the payment and the like which enable the capital outflow from the account, relevant information of a bank card and the short-message-service random authentication code. After the user receives the short message, approves the operant behaviors and successfully enters the random authentication code, the bank computer system compares the short-message-service random authentication code entered by the user with the short-message-service random authentication code previously sent by the bank computer system, and the user can only perform the operant behaviors such as the cash withdrawal, the bank transfer, the fee payment, the payment and the like to enable the capital to overflow from the account when comparison is ensured to be all right by the bank computer system.
Description
Technical field
The invention belongs to the Financial Information technical field, a kind of input handset note accidental validation code carries out the method for withdrawing the money in the bank scene specifically.
Background technology
Development along with financial technology and the network information technology, utilizing bank card to withdraw the money in ATM (automatic teller machine) is very general thing, people's life has be unable to do without this pattern of withdrawing the money, but a lot of lawless persons take to copy other people bank card, steal the illegal means such as bank card password and steal wealth on other people bank card, make bank card holder and the both sides of bank all suffer huge economic loss.
By retrieval and inquiry related data, find that existing correlation technique has: on the net when paying with Web bank and transferring accounts, need to send to the phone number that the user arranges in advance SMS accidental validation code, the user with the correct input of the SMS accidental validation code received after, the operation behavior of paying on the net and transfer accounts etc. that could success.This method is only used for Web bank, yet in actual life, in the related reality scene of the banks such as bank counter, ATM (automatic teller machine), deposit machine or multi-media self-helping server, do not use this input handset note accidental validation code to carry out the method for withdrawing the money in the bank scene, cause a lot of lawless persons to utilize ATM (automatic teller machine) in the place of the execute-in-place of bank, steal the fund of other people bank account.
Summary of the invention
A kind of input handset note of the present invention accidental validation code carries out the method for withdrawing the money in the bank scene, purpose is to overcome to have the occasion of withdrawing the money at scenes such as sales counter, ATM (automatic teller machine), deposit machine and multi-media self-helping servers now, the defective of withdrawing the money and operating, prevent that the lawless person from taking to copy other people bank card and stealing the illegal means such as bank card password and steal fund on other people bank card, ensure the fund security on user's bank card, " the withdrawing the money " in " withdrawing the money in the scene " refers to extract cash, transfers accounts, pays the fees here, payment etc. makes cash flow go out the operation behavior of account.
The method that a kind of input handset note of the present invention accidental validation code carries out withdrawing the money at the bank scene is such: the user is at sales counter, ATM (automatic teller machine), the occasion of withdrawing the money in the scenes such as deposit machine and multi-media self-helping server, carry out the scene and extract cash, transfer accounts, pay the fees, when payment etc. makes cash flow go out the operation behavior of account, the bank computer system will send a SMS to the phone number of in advance setting of user by mobile telephone network, the content of note comprises the extraction cash, transfer accounts, pay the fees, payment etc. makes cash flow go out the related amount of money of operation of account, the relevant information of bank card and a SMS accidental validation code, after the user receives note, admitting this operation behavior also successfully inputs after this accidental validation code, the bank computer system compares the identifying code that sends before the SMS accidental validation code of user input and the bank computer system, and the user just can carry out scene extraction cash after comparison was correct, transfer accounts, pay the fees, payment etc. makes cash flow go out the operation behavior of account; The user can need also be arranged to input handset note accidental validation code with the operation that the non-account fund such as inquiry, storage flows out according to the actual needs of oneself, further increases the security of bank account; The character length of this SMS accidental validation code is set by bank and user; After the bank computer system sends SMS, the user successfully inputs bank computer with the identifying code in this note within the effective time of regulation just can proceed operation, otherwise the effective time that has surpassed regulation, the SMS accidental validation code that before sends will lose efficacy, and the phone number that the user need to ask the bank computer system to set to the user again sends the checking note; In operation was withdrawn the money at the once scene that the user carries out, the number of times that the phone number that the bank computer system sets to the user sends the checking note had surpassed the stipulated number of bank, spue bank card or confiscate bank card of this time operation failure of withdrawing the money then, automatic teller machine.
If the remittee is non-user, the user is after receiving the SMS of bank computer system by the mobile telephone network transmission, if agree remittee's operation behavior, then tell the other side with SMS accidental validation code, if disagree with remittee's operation behavior, remittee's correct input handset note accidental validation code then so, its operation of withdrawing the money will stop.
This input handset note accidental validation code carries out the method for withdrawing the money in the bank scene, can prevent that not only the lawless person from taking to copy other people bank card and stealing the illegal means such as bank card password and steal fund on other people bank card, avoid user and the both sides of bank to suffer huge economic loss, can also allow the bank card householder by other people being authorized the method for SMS accidental validation code, exercise the right of using the personnel of this bank card to exercise supervision to other, and can understand at any time oneself flowing to of bank account, grasp the own situation of bank account, for the safety of account fund escorts.
Embodiment
Further specify characteristics of the present invention below by specific embodiment.
Embodiment 1
The user withdraws the money at the automatic teller machine of bank, and its operation steps is: 1) user inserts automatic teller machine with bank card, at this moment automatic teller machine prompting input bank card password; 2) after the user has correctly inputted bank card password, the computer display screen of automatic teller machine shows: the operations such as " inquiry ", " storage ", " withdrawing the money ", " transferring accounts ", " paying the fees ", " payment ", and the user clicks " withdrawing the money " button and selects to withdraw the money the amount of money; 3) the automatic teller machine cash that the user will get that do not spue immediately, but require user's input handset note accidental validation code, and show identifying code remaining effective time, meanwhile the bank computer system sends a SMS to the phone number of in advance setting of user by mobile telephone network, and the content of note comprises relevant information and SMS accidental validation code of the amount of money of withdrawing the money, bank card; 4) user is after receiving note, check the relevant information of bank card and the amount of money of withdrawing the money, after checking correctly, agree this operation of withdrawing the money, and within the effective time of regulation, this identifying code being inputted automatic teller machine, the bank computer system compares the SMS accidental validation code that sends before this identifying code and the computer system; 5) comparison is correct, the automatic teller machine Renminbi cash that the user will get that spues; 6) comparison is incorrect, automatic teller machine display requirement user re-enters SMS accidental validation code, if user's running time has surpassed the effective time of bank's regulation, this SMS accidental validation code will lose efficacy so, and the user asks the bank computer system to send the checking note to the phone number of setting again; 7) in operation is withdrawn the money at the once scene that the user carries out, the bank computer system sends the stipulated number that the number of times of verifying note has surpassed bank to the phone number that the user sets, spue bank card or confiscate bank card of this time operation failure of withdrawing the money then, automatic teller machine.
If the non-user of people that withdraw the money this moment, its operation steps is: 1) remittee inserts automatic teller machine with bank card, at this moment automatic teller machine prompting input bank card password; 2) after the remittee has correctly inputted bank card password, the computer display screen of automatic teller machine shows: the operations such as " inquiry ", " storage ", " withdrawing the money ", " transferring accounts ", " paying the fees ", " payment ", and the user clicks " withdrawing the money " button and selects to withdraw the money the amount of money; 3) the automatic teller machine cash that the remittee will get that do not spue immediately, but require remittee's input handset note accidental validation code, and show identifying code remaining effective time, meanwhile the bank computer system sends a SMS to the phone number of the bank card owner and in advance setting of user by mobile telephone network, and the content of note comprises relevant information and SMS accidental validation code of the amount of money of withdrawing the money, bank card; 4) user checks the relevant information of bank card and the amount of money of withdrawing the money after receiving note, check correct after, if agree this remittee's the operation of withdrawing the money, so just can tell this remittee with the SMS accidental validation code of receiving; 5) this remittee is with the SMS accidental validation code received input automatic teller machine, and the bank computer system compares the SMS accidental validation code of this remittee's input with the SMS accidental validation code that computer system sends to the user before; 6) comparison is correct, the automatic teller machine Renminbi cash that this remittee will get that spues; 7) comparison is incorrect, this remittee of automatic teller machine display requirement re-enters SMS accidental validation code, if this remittee's running time has surpassed the effective time of bank's regulation, this SMS accidental validation code will lose efficacy so, and this remittee asks the bank computer system to send the checking note to the phone number of setting again; 8) in operation is withdrawn the money at the once scene that this remittee carries out, the bank computer system sends the stipulated number that the number of times of verifying note has surpassed bank to the phone number that the user sets, spue bank card or confiscate bank card of this time operation failure of withdrawing the money then, automatic teller machine.
Claims (5)
1. an input handset note accidental validation code carries out the method for withdrawing the money in the bank scene, it is characterized in that: the user is at sales counter, ATM (automatic teller machine), the occasion of withdrawing the money in the scenes such as deposit machine and multi-media self-helping server, carry out the scene and extract cash, transfer accounts, pay the fees, when payment etc. makes cash flow go out the operation behavior of account, the bank computer system will send a SMS to the phone number of in advance setting of user by mobile telephone network, the content of note comprises the extraction cash, transfer accounts, pay the fees, payment etc. makes cash flow go out the related amount of money of operation of account, the relevant information of bank card and a SMS accidental validation code, after the user receives note, admitting this operation behavior also successfully inputs after this accidental validation code, the bank computer system compares the SMS accidental validation code that sends before the SMS accidental validation code of user input and the bank computer system, and the user just can carry out scene extraction cash after comparison was correct, transfer accounts, pay the fees, payment etc. makes cash flow go out the operation behavior of account.
2. input handset note accidental validation code according to claim 1 carries out the method for withdrawing the money in the bank scene, it is characterized in that: the user can be according to the actual needs of oneself, the operation that the non-account fund such as inquiry, storage flows out need also to be arranged to input handset note accidental validation code, further to increase the security of bank account.
3. input handset note accidental validation code according to claim 1 carries out the method for withdrawing the money in the bank scene, and it is characterized in that: the character length of this SMS accidental validation code is set by bank and user.
4. input handset note accidental validation code according to claim 1 carries out the method for withdrawing the money in the bank scene, it is characterized in that: after the bank computer system sends SMS, the user successfully inputs bank computer with the identifying code in this note within the effective time of regulation just can proceed operation, otherwise the effective time that has surpassed regulation, the SMS accidental validation code that before sends will lose efficacy, and the user need to ask the bank computer system to send the checking note to the phone number of setting again.
5. input handset note accidental validation code according to claim 1 carries out the method for withdrawing the money in the bank scene, it is characterized in that: in operation is withdrawn the money at the once scene that the user carries out, the bank computer system sends the stipulated number that the number of times of verifying note has surpassed bank to the phone number that the user sets, spue bank card or confiscate bank card of this time operation failure of withdrawing the money then, automatic teller machine.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2012101160780A CN103377524A (en) | 2012-04-19 | 2012-04-19 | Method for withdrawing money on site at bank by inputting short-message-service random authentication code |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2012101160780A CN103377524A (en) | 2012-04-19 | 2012-04-19 | Method for withdrawing money on site at bank by inputting short-message-service random authentication code |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103377524A true CN103377524A (en) | 2013-10-30 |
Family
ID=49462583
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2012101160780A Pending CN103377524A (en) | 2012-04-19 | 2012-04-19 | Method for withdrawing money on site at bank by inputting short-message-service random authentication code |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN103377524A (en) |
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104023142A (en) * | 2014-06-22 | 2014-09-03 | 张金木 | Mobile phone capable of sending short message money |
| CN104166918A (en) * | 2014-08-20 | 2014-11-26 | 齐鲁工业大学 | Safety payment method based on audio key |
| CN106169995A (en) * | 2016-06-30 | 2016-11-30 | 武汉斗鱼网络科技有限公司 | A kind of webcast website's handset binding short-message verification anti-brush method and system |
| CN106357638A (en) * | 2016-09-14 | 2017-01-25 | 深圳位置网科技有限公司 | Method for verifying identity under large transfer based on positioning technology |
| CN107104968A (en) * | 2017-04-27 | 2017-08-29 | 深圳怡化电脑股份有限公司 | Safety certifying method, system, terminal and the storage medium of portable finance device |
| CN107316382A (en) * | 2017-06-19 | 2017-11-03 | 浪潮金融信息技术有限公司 | A kind of self-aided terminal burglary-resisting system and its method based on REID |
| CN108921690A (en) * | 2018-07-06 | 2018-11-30 | 中国银行股份有限公司 | Money transfer transactions thing apoplexy control method and device |
| CN110458575A (en) * | 2019-07-30 | 2019-11-15 | 西南大学 | A computer system and a computer-readable storage medium |
| CN111967795A (en) * | 2020-09-01 | 2020-11-20 | 中国银行股份有限公司 | Cash self-circulation method and device for bank outlets, storage medium and electronic equipment |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1912936A (en) * | 2005-08-13 | 2007-02-14 | 颜立新 | Disposable identity file identification method and its application |
| US20100145852A1 (en) * | 2007-03-07 | 2010-06-10 | The Royal Bank Of Scotland Plc | Methods and systems for managing loss or theft of atm cards |
| CN101783039A (en) * | 2009-12-29 | 2010-07-21 | 广州广电运通金融电子股份有限公司 | Method and terminal for controlling security of financial transactions |
| CN101853342A (en) * | 2009-03-30 | 2010-10-06 | 宋煜燊 | The anti identity theft and the payment network of protection privacy |
-
2012
- 2012-04-19 CN CN2012101160780A patent/CN103377524A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1912936A (en) * | 2005-08-13 | 2007-02-14 | 颜立新 | Disposable identity file identification method and its application |
| US20100145852A1 (en) * | 2007-03-07 | 2010-06-10 | The Royal Bank Of Scotland Plc | Methods and systems for managing loss or theft of atm cards |
| CN101853342A (en) * | 2009-03-30 | 2010-10-06 | 宋煜燊 | The anti identity theft and the payment network of protection privacy |
| CN101783039A (en) * | 2009-12-29 | 2010-07-21 | 广州广电运通金融电子股份有限公司 | Method and terminal for controlling security of financial transactions |
Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104023142B (en) * | 2014-06-22 | 2015-12-09 | 张金木 | A mobile phone that can send SMS money |
| CN104023142A (en) * | 2014-06-22 | 2014-09-03 | 张金木 | Mobile phone capable of sending short message money |
| CN104166918B (en) * | 2014-08-20 | 2017-08-25 | 齐鲁工业大学 | Safe payment method based on audio button |
| CN104166918A (en) * | 2014-08-20 | 2014-11-26 | 齐鲁工业大学 | Safety payment method based on audio key |
| CN106169995B (en) * | 2016-06-30 | 2019-03-15 | 武汉斗鱼网络科技有限公司 | A method and system for verifying and preventing swiping of a live website by binding a short message to a mobile phone |
| CN106169995A (en) * | 2016-06-30 | 2016-11-30 | 武汉斗鱼网络科技有限公司 | A kind of webcast website's handset binding short-message verification anti-brush method and system |
| CN106357638A (en) * | 2016-09-14 | 2017-01-25 | 深圳位置网科技有限公司 | Method for verifying identity under large transfer based on positioning technology |
| CN107104968A (en) * | 2017-04-27 | 2017-08-29 | 深圳怡化电脑股份有限公司 | Safety certifying method, system, terminal and the storage medium of portable finance device |
| CN107316382A (en) * | 2017-06-19 | 2017-11-03 | 浪潮金融信息技术有限公司 | A kind of self-aided terminal burglary-resisting system and its method based on REID |
| CN108921690A (en) * | 2018-07-06 | 2018-11-30 | 中国银行股份有限公司 | Money transfer transactions thing apoplexy control method and device |
| CN110458575A (en) * | 2019-07-30 | 2019-11-15 | 西南大学 | A computer system and a computer-readable storage medium |
| CN111967795A (en) * | 2020-09-01 | 2020-11-20 | 中国银行股份有限公司 | Cash self-circulation method and device for bank outlets, storage medium and electronic equipment |
| CN111967795B (en) * | 2020-09-01 | 2023-08-29 | 中国银行股份有限公司 | Cash self-circulation method and device for banking outlets, storage medium and electronic equipment |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN103377524A (en) | Method for withdrawing money on site at bank by inputting short-message-service random authentication code | |
| US11842332B2 (en) | System and method for authenticating electronic money | |
| CN101833827B (en) | Hotel self-service system | |
| US8639602B2 (en) | System for agent assisted mobile funds transfer and mobile banking | |
| WO2012139350A1 (en) | Method and system for verifying transactor identity on atm | |
| CN106485851B (en) | A cardless deposit and withdrawal machine and a cardless deposit and withdrawal system | |
| CN104471599A (en) | Methods and systems for performing a financial transaction using a mobile communication device | |
| WO2013086857A1 (en) | Method and system for verifying financial transaction | |
| CN104182870A (en) | Security payment method and payment system based on mobile phone wallet | |
| CN102129740A (en) | Method for preventing bankcard from being stolen | |
| CN109636400A (en) | A kind of payment transaction risk control method and device | |
| TWM576696U (en) | Machine system with face recognition function | |
| WO2013064269A1 (en) | A method, transaction unit, terminal unit and backend server unit for processing a personal identification number | |
| WO2017193291A1 (en) | Service processing method and system for use in self-service apparatus | |
| CN107833033A (en) | A kind of method that registration card transaction illegal activities are docked with Skynet system | |
| CN104123755A (en) | Self-service payment system and method having quick payment function | |
| CA2997635C (en) | Online payment verification method and online payment verification system | |
| WO2017188747A1 (en) | Pre-approval financial transaction providing system and method therefor | |
| CN102129743A (en) | System for preventing bank card from being stolen | |
| WO2015029064A2 (en) | A computer implemented system and method for facilitating cardless transactions | |
| KR101977169B1 (en) | Agent of processing bank affairs for displaying interest in real time, and metohd for displaying interest in real time | |
| CN102129742A (en) | Method for preventing embezzlement of bank card | |
| CN114936769A (en) | Real-time tracking method for analyzing network gambling by using capital data | |
| CN202677514U (en) | Banking business terminal, ATM, POS machine, bank counter machine | |
| CN1987939A (en) | Method and system for withdrawing cash from bank special business account by mobile phone conferming mode |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C53 | Correction of patent of invention or patent application | ||
| CB02 | Change of applicant information |
Address after: Chengdu Chenghua District City, Sichuan province 610000 years into 2 Double Road No. 39 Huarun 24cheng 1 2 Building 2 unit 703 Applicant after: Zhu Haibin Address before: 610000 No. 3, No. 1, building seven, Lane 15, Qingyang District, Chengdu, Sichuan, 6 Applicant before: Zhu Haibin |
|
| WD01 | Invention patent application deemed withdrawn after publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20131030 |