CN103778728A - Method and system for realizing transaction without bank card through automatic teller machine - Google Patents
Method and system for realizing transaction without bank card through automatic teller machine Download PDFInfo
- Publication number
- CN103778728A CN103778728A CN201410059619.XA CN201410059619A CN103778728A CN 103778728 A CN103778728 A CN 103778728A CN 201410059619 A CN201410059619 A CN 201410059619A CN 103778728 A CN103778728 A CN 103778728A
- Authority
- CN
- China
- Prior art keywords
- teller machine
- automatic teller
- atm
- quick response
- transaction
- 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 37
- 230000004044 response Effects 0.000 claims description 109
- 238000012790 confirmation Methods 0.000 claims description 7
- 230000005540 biological transmission Effects 0.000 claims description 5
- 238000010200 validation analysis Methods 0.000 claims description 3
- 238000011161 development Methods 0.000 abstract description 2
- 230000003044 adaptive effect Effects 0.000 abstract 1
- 230000006872 improvement Effects 0.000 description 8
- 238000012546 transfer Methods 0.000 description 5
- 230000008569 process Effects 0.000 description 4
- 230000008859 change Effects 0.000 description 3
- 230000005856 abnormality Effects 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- 238000012545 processing Methods 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000000903 blocking effect Effects 0.000 description 1
- 230000007547 defect Effects 0.000 description 1
- 238000000151 deposition Methods 0.000 description 1
- 238000003780 insertion Methods 0.000 description 1
- 230000037431 insertion Effects 0.000 description 1
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a method and a system for realizing transaction without a bank card through an automatic teller machine. The method comprises the steps that: when a user selects a bank card-free transaction mode on the automatic teller machine, the automatic teller machine displays a two-dimension code, the user logs in to an App application program account by virtue of a mobile terminal, scans the two-dimension code to respond to a bank card interface of the user account and selects a bank card, next, an App application program sends the bank card and information contained in the two-dimension code to a bank server after encryption, the bank server decrypts the received information and confirms the transaction by virtue of the information included in the two-dimension code, and when the bank server confirms that the transaction is succeed, the user enters correct bank card password and then can carry out transaction operation on the automatic teller machine just like using the bank card. The method and the system are adaptive to the development tendency of card-free life so that internet finance is more integrated into the life of people, and due to the adoption of the method and the system, the transaction operation can be realized on the automatic teller machine without the bank card.
Description
Technical field
The present invention relates to a kind of bank card transaction method, relate in particular to a kind of method and system that realize transaction in ATM (Automatic Teller Machine) without bank card.
Background technology
At present, when people need to deposit, transfer accounts, withdraw the money etc., general operation is to carry bank to snap in ATM (Automatic Teller Machine) and operate accordingly, but the situation that bank card loss occurs much occurs, and in this process, plug-in card card taking step is essential, sometimes may forget card taking, sometimes can, because of reader device fault, cannot conclude the business again, run into even sometimes after bank card insertion, the problem of can not getting out, such mode of doing business, operates more loaded down with trivial details, consuming time, and user experiences to be improved.
Existing part bank has also released the mode of doing business that just can conclude the business in ATM (Automatic Teller Machine) without card, and such as without card deposit, withdraw the money without blocking, but its function is too single.Without card deposit, also can regard cash as and transfer accounts, input account payee number or bank card number, confirm to deposit after this account payee's information, but this mode of doing business still needs user to input a succession of card number, and need user to keep firmly in mind or be recorded on certain carrier, more loaded down with trivial details.Withdraw the money without card, login to Web bank or cell phone bank system by mobile phone, after selecting to withdraw the money without card, the information such as input handset number, account number or bank card number, reservation code is preengage, after reservation, withdraw the money after inputting in ATM (Automatic Teller Machine) with these information, but there is following defect in this mode of doing business: 1, security has certain risk, there is no effective voucher, once be learnt that by other people just can walk around user after the information such as cell-phone number, reservation code withdraws the money; 2, user can only have the trading order form that a reservation is withdrawn the money within the time of withdrawing the money of reservation, cannot realize instant function of getting as bank card, and therefore the convenience of this mode of doing business, practicality are poor.
Summary of the invention
In order to solve above problems of the prior art, the invention provides a kind of method and system that realize transaction in ATM (Automatic Teller Machine) without bank card, it can make people without carrying bank card, just can in ATM (Automatic Teller Machine), carry out and be equal to the transaction operation that uses bank card to conclude the business, and overcome the many loaded down with trivial details problem that uses bank card to bring, improve user's experience, simultaneously safer.
In order to achieve the above object, the invention provides a kind of method that realizes transaction in ATM (Automatic Teller Machine) without bank card, the method comprises the following steps:
When step 1, user select and carry out the mode of doing business without bank card business dealing in ATM (Automatic Teller Machine), described ATM (Automatic Teller Machine) will show a Quick Response Code;
The account of the App application program that step 2, described user login to its mobile terminal are installed, scans the described Quick Response Code showing in described ATM (Automatic Teller Machine) and decodes, and obtains the information that described Quick Response Code comprises after decoding;
Step 3, described App application program will response to the bank card interface that completes authentication and binding of described account, in the time that this user selects a certain bank card in this interface described in App application program will from the data message of described bank card, extract the card number of this bank card;
After the information encryption that step 4, described App application program comprise the card number of described bank card and described Quick Response Code, be sent to bank server;
After step 5, the deciphering of described bank server, obtain the card number of described bank card and the information that described Quick Response Code comprises;
The confirmation that the information that step 6, described bank server comprise by described Quick Response Code is concluded the business, and perform step 7 in the time confirming successfully, otherwise execution step 8;
Step 7, described bank server are by effective this transaction operation result notice to described ATM (Automatic Teller Machine), and described ATM (Automatic Teller Machine) is inputted the described user of prompting in the password of described bank card, and continues execution step 9;
Step 8, described bank server are by result notice invalid this transaction operation to described App application program, and described App application program to described user's described account, is closed the trade this result feedback;
Step 9, in described ATM (Automatic Teller Machine), input after described password as described user, the password of this user's input is sent to described bank server by described ATM (Automatic Teller Machine);
Step 10, described bank server utilize bank card account information corresponding to bank card number described in its data base querying, and whether the password that judges this input is consistent with the bank card password in described bank card account information, if consistent ratify described user and in described ATM (Automatic Teller Machine), carry out the transaction operation that is equal to bank card business dealing, otherwise close the trade.
As a further improvement on the present invention, described ATM (Automatic Teller Machine) comprises ATM (automatic teller machine), automatic teller machine.
As a further improvement on the present invention, in described step 1, described ATM (Automatic Teller Machine) will show a Quick Response Code, specifically comprise: mode a, described ATM (Automatic Teller Machine) generate voluntarily described Quick Response Code and show the identification number that the information that described Quick Response Code comprises is this ATM (Automatic Teller Machine) and the condition code of this transaction thereon;
Or mode b, described ATM (Automatic Teller Machine) are asked for this time condition code of transaction to described bank server, described bank server will be recorded the identification number of this ATM (Automatic Teller Machine), and generate described condition code and send to it, described ATM (Automatic Teller Machine) generates with the form of Quick Response Code the described condition code obtaining show thereon, and the information that described Quick Response Code comprises is this condition code;
Or mode c, described ATM (Automatic Teller Machine) are asked for this time condition code of transaction to described bank server, described bank server generates described condition code and sends to it, described ATM (Automatic Teller Machine) generates the described condition code obtaining and its identification number show thereon with the form of Quick Response Code, the identification number that the information that described Quick Response Code comprises is this ATM (Automatic Teller Machine) and this condition code;
Or mode d, described ATM (Automatic Teller Machine) are asked for this time Quick Response Code of transaction to described bank server, described bank server will be recorded the identification number of this ATM (Automatic Teller Machine), and generate the condition code of this time transaction and be sent to described ATM (Automatic Teller Machine) and show thereon with the form of Quick Response Code, the information that described Quick Response Code comprises is this condition code;
Or mode e, described ATM (Automatic Teller Machine) are asked for this time Quick Response Code of transaction to described bank server, described bank server by generate this time transaction condition code and and the identification number of this ATM (Automatic Teller Machine) be sent to described ATM (Automatic Teller Machine) and show thereon with the form of Quick Response Code, the identification number that the information that described Quick Response Code comprises is this ATM (Automatic Teller Machine) and this condition code.
As a further improvement on the present invention, the described this time condition code of transaction that the Quick Response Code that described ATM (Automatic Teller Machine) shows comprises be one group by any character with character string or numeric string that ∕ or numeral form, if and described step 1 carries out is mode a, in the time of each mode of doing business of carrying out in described ATM (Automatic Teller Machine) without bank card business dealing, described condition code will generate or generate in order according to handing over easy-operating number of times by this ATM (Automatic Teller Machine) is random;
If that described step 1 is carried out is mode b or mode c or mode d or mode e, in the time of each mode of doing business of carrying out in described ATM (Automatic Teller Machine) without bank card business dealing, described condition code will be generated according to handing over easy-operating number of times in order by described bank server.
As a further improvement on the present invention, before described step 3, also comprise: described user's login to the described account of described App application program completes the binding authentication to described bank card, and described account can be bound multiple bank cards.
As a further improvement on the present invention, described user completes the binding authentication of described bank card is specifically comprised:
Card number, name in an account book and the phone number of required binding authentication bank card inputted in described user's login to the described account of described App application program;
Described App application program is sent to described bank after bank card number, name in an account book and the phone number of this user's input are encrypted
Server;
After described bank server deciphering, obtain described bank card number, described name in an account book and described phone number;
Described bank server utilizes the bank card account information that this card number of its data base querying is corresponding and utilizes the correctness of name in an account book and described phone number described in described bank card account validation of information, and will confirm that result notice is to described App application program;
When confirming that result be successfully time, described App application program will transmission mobile phone dynamic password to the mobile phone of described phone number;
When this user inputs after correct mobile phone dynamic password, complete the binding authentication to described bank card.
As a further improvement on the present invention, in described step 6, the confirmation that the information that described bank server comprises by described Quick Response Code is concluded the business, specifically comprises:
If that described step 1 is carried out is mode a, ATM (Automatic Teller Machine) corresponding to described ATM (Automatic Teller Machine) identification number in the information that described bank server comprises to described Quick Response Code asked for this time condition code of transaction, and the condition code of confirming the described this time transaction in information that whether this condition code comprise with described Quick Response Code is consistent, if unanimously for to confirm successfully, if inconsistent for to confirm unsuccessfully;
If that described step 1 is carried out is mode b or mode c or mode d or mode e, when described ATM (Automatic Teller Machine) is asked for this transaction feature code or Quick Response Code to described bank server, the described condition code generating is saved to its database by described bank server, in the time that described App application program sends the information that described Quick Response Code comprises, described bank server utilizes its data base querying whether to have the described this time consistent described condition code of transaction feature code in the information comprising with described Quick Response Code, if exist for to confirm successfully, if do not exist for to confirm unsuccessfully.
As a further improvement on the present invention, in described step 7, described bank server to described ATM (Automatic Teller Machine), specifically comprises effective this transaction operation result notice:
If that described step 1 is carried out is mode a or mode c or mode e, the described ATM (Automatic Teller Machine) identification number in the information that described bank server comprises by described Quick Response Code is notified this result to described ATM (Automatic Teller Machine);
If that described step 1 is carried out is mode b or mode d, described bank server is saved to its database together with the condition code of the described this time transaction of the identification number of the described ATM (Automatic Teller Machine) of recording and generation, in the time that described bank server is confirmed this Transaction Success, described bank server is notified this result by the corresponding described ATM (Automatic Teller Machine) identification number of preserving of described condition code to described ATM (Automatic Teller Machine).
The present invention also provides a kind of system that realizes transaction in ATM (Automatic Teller Machine) without bank card, and this system comprises:
Mobile terminal, it,, for the hardware device of accessible internet, comprises camera, for scanning the Quick Response Code showing in ATM (Automatic Teller Machine);
App application program, realizes the operation of transaction, for user account being managed, received and dispatched Transaction Information and possessing Quick Response Code decoding function by network environment;
ATM (Automatic Teller Machine), comprises ATM (automatic teller machine), automatic teller machine, carries out for showing the Quick Response Code that exchange needs;
Bank server, belongs to bank's internal server, has database, for inquiry and confirm Transaction Information, and determine whether ratify user in ATM (Automatic Teller Machine), carries out be equal to bank card business dealing transaction operate;
Network, comprises internet or mobile Internet.
As a further improvement on the present invention, described mobile terminal is smart mobile phone, panel computer or the personal digital assistant that can move described App application program.
The invention has the beneficial effects as follows: method provided by the invention has adapted to the development trend of " without card life ", makes internet finance more incorporate people's life.And can make people without carrying bank card by the present invention, and just can in ATM (Automatic Teller Machine), carry out and be equal to the transaction operation that uses bank card to conclude the business, facilitate people to use the custom of bank card.Only need and utilize the Quick Response Code showing in App application scan ATM (Automatic Teller Machine) of the present invention just can complete the effect when carrying bank card and inserting ATM (Automatic Teller Machine) of people in prior art by the mobile terminal such as mobile phone, panel computer, only need afterwards input bank card password just can as use bank card, in ATM (Automatic Teller Machine), deposit, transfer accounts, withdraw the money, query the balance, change password etc. and conclude the business and operate.Such mode of doing business has not only overcome the many loaded down with trivial details problem that uses bank card to bring, and has improved user's experience, safer.Than using bank card input password to increase the account of logining together App application program management, App application program can be resolved again IP address, the login ground etc. of this mobile terminal simultaneously, in the time occurring in the situation of other mobile terminal or different-place login user account, will carry out abnormality processing (this has been applied to QQ, Alipay etc.), greatly ensure the safety of user account information, and need to select when customer transaction a certain bank card that has completed authentication and binding as voucher, will make other users cannot walk around this user and conclude the business.Utilize in addition App application program of the present invention and method can realize all functions that can operate as bank card in ATM (Automatic Teller Machine), therefore powerful, various.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet of realizing method of commerce in ATM (Automatic Teller Machine) without bank card of the present invention.
Fig. 2 is the schematic flow sheet that user of the present invention completes bank card binding authentication method.
Fig. 3 is the principle schematic that realizes transaction system in ATM (Automatic Teller Machine) without bank card of the present invention.
Embodiment
Below in conjunction with drawings and Examples, the present invention will be further described, for convenience of explanation, only shows the part relevant to the embodiment of the present invention.But it will be appreciated by those skilled in the art that the specific embodiment that this place is described, only for explaining the present invention, not in order to limit the present invention.
As shown in Figure 1, the method that realizes transaction in ATM (Automatic Teller Machine) without bank card of the present invention, the method comprises the following steps.
When step 1, user select and carry out the mode of doing business without bank card business dealing in ATM (Automatic Teller Machine), described ATM (Automatic Teller Machine) will show a Quick Response Code.
It should be noted that, described ATM (Automatic Teller Machine) comprises ATM (automatic teller machine), automatic teller machine, and the Quick Response Code that described ATM (Automatic Teller Machine) shows is through encryption, avoids malicious user to forge the falseness of Quick Response Code, has improved security.
It should be noted that, in described step 1, described ATM (Automatic Teller Machine) will show a Quick Response Code, specifically comprise: mode a, described ATM (Automatic Teller Machine) generate voluntarily described Quick Response Code and show the identification number that the information that described Quick Response Code comprises is this ATM (Automatic Teller Machine) and the condition code of this transaction thereon;
Or mode b, described ATM (Automatic Teller Machine) are asked for this time condition code of transaction to described bank server, described bank server will be recorded the identification number of this ATM (Automatic Teller Machine), and generate described condition code and send to it, described ATM (Automatic Teller Machine) generates with the form of Quick Response Code the described condition code obtaining show thereon, and the information that described Quick Response Code comprises is this condition code;
Or mode c, described ATM (Automatic Teller Machine) are asked for this time condition code of transaction to described bank server, described bank server generates described condition code and sends to it, described ATM (Automatic Teller Machine) generates the described condition code obtaining and its identification number show thereon with the form of Quick Response Code, the identification number that the information that described Quick Response Code comprises is this ATM (Automatic Teller Machine) and this condition code;
Or mode d, described ATM (Automatic Teller Machine) are asked for this time Quick Response Code of transaction to described bank server, described bank server will be recorded the identification number of this ATM (Automatic Teller Machine), and generate the condition code of this time transaction and be sent to described ATM (Automatic Teller Machine) and show thereon with the form of Quick Response Code, the information that described Quick Response Code comprises is this condition code;
Or mode e, described ATM (Automatic Teller Machine) are asked for this time Quick Response Code of transaction to described bank server, described bank server by generate this time transaction condition code and and the identification number of this ATM (Automatic Teller Machine) be sent to described ATM (Automatic Teller Machine) and show thereon with the form of Quick Response Code, the identification number that the information that described Quick Response Code comprises is this ATM (Automatic Teller Machine) and this condition code.
The account of the App application program that step 2, described user login to its mobile terminal are installed, scans the described Quick Response Code showing in described ATM (Automatic Teller Machine) and decodes, and obtains the information that described Quick Response Code comprises after decoding.
Step 3, described App application program will response to the bank card interface that completes authentication and binding of described account, in the time that this user selects a certain bank card in this interface described in App application program will from the data message of described bank card, extract the card number of this bank card.
It should be noted that, the data message of the bank card of App application program management at least comprises bank of deposit, bank card number, name in an account book and bank card type etc., these data messages are in the time that user completes the binding authentication of bank card, to offer App application program by bank server, and check and understand the essential information of binding authentication bank card for user.
It should be noted that, in one of them embodiment of the present invention, in the information that Quick Response Code comprises, also can comprise the identification information of bank, for example in Quick Response Code, comprise the name identification information of " certain so-and-so bank ", for example there is again the modes such as the logo identification information of certain so-and-so bank in the centre of Quick Response Code, in the time of App application scan Quick Response Code, can distinguish fast like this true and false of Quick Response Code, again can be in the time that App application response to user account have completed the bank card interface of authentication and binding, the bank card of this bank is come to list front end, facilitate user to select fast.This only just as a reference, in specific implementation process, can implement on demand, also can not implement.
After the information encryption that step 4, described App application program comprise the card number of described bank card and described Quick Response Code, be sent to bank server.
It should be noted that, in described step 4, the technology that App application program is encrypted these data can adopt 3DES encryption technology or rsa encryption technique, and it is also feasible certainly adopting other encryption technology, and the present invention is not restricted this.And should be understood that the data of All Activity information of the present invention transmission are all through encryption.
After step 5, the deciphering of described bank server, obtain the card number of described bank card and the information that described Quick Response Code comprises.
The confirmation that the information that step 6, described bank server comprise by described Quick Response Code is concluded the business, and perform step 7 in the time confirming successfully, otherwise execution step 8.
It should be noted that, in described step 6, the confirmation that the information that described bank server comprises by described Quick Response Code is concluded the business, specifically comprises:
If that described step 1 is carried out is mode a, ATM (Automatic Teller Machine) corresponding to described ATM (Automatic Teller Machine) identification number in the information that described bank server comprises to described Quick Response Code asked for this time condition code of transaction, and the condition code of confirming the described this time transaction in information that whether this condition code comprise with described Quick Response Code is consistent, if unanimously for to confirm successfully, if inconsistent for to confirm unsuccessfully;
If that described step 1 is carried out is mode b or mode c or mode d or mode e, when described ATM (Automatic Teller Machine) is asked for this transaction feature code or Quick Response Code to described bank server, the described condition code generating is saved to its database by described bank server, in the time that described App application program sends the information that described Quick Response Code comprises, described bank server utilizes its data base querying whether to have the described this time consistent described condition code of transaction feature code in the information comprising with described Quick Response Code, if exist for to confirm successfully, if do not exist for to confirm unsuccessfully.
Step 7, described bank server are by effective this transaction operation result notice to described ATM (Automatic Teller Machine), and described ATM (Automatic Teller Machine) is inputted the described user of prompting in the password of described bank card, and continues execution step 9.
It should be noted that, in described step 7, described bank server to described ATM (Automatic Teller Machine), specifically comprises effective this transaction operation result notice:
If that described step 1 is carried out is mode a or mode c or mode e, the described ATM (Automatic Teller Machine) identification number in the information that described bank server comprises by described Quick Response Code is notified this result to described ATM (Automatic Teller Machine);
If that described step 1 is carried out is mode b or mode d, described bank server is saved to its database together with the condition code of the described this time transaction of the identification number of the described ATM (Automatic Teller Machine) of recording and generation, in the time that described bank server is confirmed this Transaction Success, described bank server is notified this result by the corresponding described ATM (Automatic Teller Machine) identification number of preserving of described condition code to described ATM (Automatic Teller Machine).
Step 8, described bank server are by result notice invalid this transaction operation to described App application program, and described App application program to described user's described account, is closed the trade this result feedback.
Step 9, in described ATM (Automatic Teller Machine), input after described password as described user, the password of this user's input is sent to described bank server by described ATM (Automatic Teller Machine).
Step 10, described bank server utilize bank card account information corresponding to bank card number described in its data base querying, and whether the password that judges this input is consistent with the bank card password in described bank card account information, if consistent ratify described user and in described ATM (Automatic Teller Machine), carry out the transaction operation that is equal to bank card business dealing, otherwise close the trade.
It should be noted that, bank card account information comprises the record data of all about these bank cards such as bank of deposit, bank card number, bank card password, name in an account book, account holder's identity information and contact method, account balance, bank card business dealing record.
It should be noted that, in described step 10, carry out the transaction that is equal to bank card business dealing and be operating as and use bank card can hand over easy-operating all functions in ATM (Automatic Teller Machine), comprise deposit, transfer accounts, withdraw the money, query the balance, change the transaction such as password and operate.But in specific implementation process, can, according to actual conditions, realize some or all of function wherein.
Can make people without carrying bank card by described method of the present invention, just can in ATM (Automatic Teller Machine), carry out and be equal to the transaction operation that uses bank card to conclude the business, facilitate people to use the custom of bank card.Only need in ATM (Automatic Teller Machine), select the mode of doing business without bank card business dealing, ATM (Automatic Teller Machine) shows a Quick Response Code, then user utilizes mobile phone, the mobile terminals such as panel computer are logined to the account of App application program management and are scanned this Quick Response Code and decode, after decoding, obtain the information that Quick Response Code comprises, App application response is selected a certain bank card to the Bing Gai interface, bank card interface that completes authentication and binding of user account, after the information encryption that App application program comprises this bank card and Quick Response Code afterwards, be sent to bank server, the confirmation that the information comprising by this Quick Response Code after bank server deciphering is concluded the business, in the time confirming successfully, point out user to input the password of this bank card, and just can as using bank card, in ATM (Automatic Teller Machine), deposit after input password is correct, transfer accounts, withdraw the money, query the balance, the transaction operations such as change password.
Correspondingly, by described method of the present invention, aspect security, obtained great guarantee.Than using bank card input password to increase the account of logining together App application program management, the operation that just can conclude the business, and can password setting input continuously several times after password mistake can not be inputting password in section sometime again, App application program of the present invention can be resolved again IP address, the login ground etc. of mobile terminal simultaneously, in the time occurring in the situation of other mobile terminal or different-place login user account, will carry out abnormality processing (this has been applied to QQ, Alipay etc.), thereby ensure the safety of user account information.And need to select when customer transaction a certain bank card that has completed authentication and binding as voucher, to make other users cannot walk around user and conclude the business, while having avoided in prior art withdrawing the money without card by input handset number, reservation code so very unsafe mode of doing business of just can withdrawing the money.
It should be noted that, the identification number of ATM (Automatic Teller Machine) has uniqueness, it is for can make bank server orient the mark of this ATM (Automatic Teller Machine), it can be unique device numbering, IP address that represents this ATM (Automatic Teller Machine) itself, also can be that other can make bank server orient the mark of this ATM (Automatic Teller Machine), the present invention be restricted this.
It should be noted that, this time condition code of transaction that the Quick Response Code that ATM (Automatic Teller Machine) shows comprises be one group by any character with character string or numeric string that ∕ or numeral form, if and described step 1 carries out is mode a, in the time of each mode of doing business of carrying out in ATM (Automatic Teller Machine) without bank card business dealing, described condition code will generate or generate in order according to handing over easy-operating number of times by this ATM (Automatic Teller Machine) is random, be that this time transaction operates for what confirm when bank server is asked for whether this ATM (Automatic Teller Machine) carrying out; If that described step 1 is carried out is mode b or mode c or mode d or mode e, in the time of each mode of doing business of carrying out in ATM (Automatic Teller Machine) without bank card business dealing, described condition code will be generated according to handing over easy-operating number of times in order by bank server, for making bank server be confirmed whether to exist this time transaction operation.
It should be noted that, in one of them embodiment of the present invention, the described this time condition code of transaction only retains 5 minutes, exceed 5 minutes, described condition code will cease to be in force automatically and delete, in the time that needs are concluded the business again, ATM (Automatic Teller Machine) or bank server will regenerate a condition code, the security that has improved customer transaction.In specific implementation process, the time that described condition code retains can rationally be set according to actual conditions, and the present invention is not restricted this.
It should be noted that, before described step 3, also comprise: described user's login to the described account of described App application program completes the binding authentication to described bank card, and described account can be bound multiple bank cards.As shown in Figure 2, user completes the method to described bank card binding authentication, and the method specifically comprises:
Step 21, user login card number, name in an account book and the phone number of inputting required binding authentication bank card to the account of App application program;
Step 22, App application program are sent to bank server after the bank card number of user's input, name in an account book and phone number are encrypted;
After step 23, bank server deciphering, obtain described bank card number, described name in an account book and described phone number;
Step 24, bank server utilize the bank card account information that this card number of its data base querying is corresponding and utilize the correctness of name in an account book and described phone number described in described bank card account validation of information, and will confirm that result notifies the application program to App;
Step 25, when confirming that result be successfully time, App application program will transmission mobile phone dynamic password to the mobile phone of described phone number;
Step 26, when user inputs after correct mobile phone dynamic password, complete the binding authentication to described bank card.
It should be noted that, in described step 10, if bank server determines the password of user input and the password of bank card when inconsistent, prompting user is re-entered to described password, if and user repeatedly inputs after password mistake, bank server is carried out the easy-operating ATM (Automatic Teller Machine) of this friendship by notice and is closed the trade, and described bank card is locked, and before this bank card release, can not conclude the business.This mode is concluded the business and is shared the number of times of input password with use bank card, no matter still use the mode of doing business of bank card all can only input by mode of doing business of the present invention, ensured the safety that user's bank card uses in the number of times of a setting input password.
As shown in Figure 3, the system that realizes transaction in ATM (Automatic Teller Machine) without bank card of the present invention, this system comprises:
Mobile terminal 1, it,, for the hardware device of accessible internet, comprises camera, for scanning the Quick Response Code showing in ATM (Automatic Teller Machine);
App application program 2, realizes the operation of transaction, for user account being managed, received and dispatched Transaction Information and possessing Quick Response Code decoding function by network environment;
ATM (Automatic Teller Machine) 3, comprises ATM (automatic teller machine), automatic teller machine, carries out for showing the Quick Response Code that exchange needs;
Bank server 4, belongs to bank's internal server, has database, for inquiry and confirm Transaction Information, and determine whether ratify user in ATM (Automatic Teller Machine), carries out be equal to bank card business dealing transaction operate;
Network 5, comprises internet or mobile Internet.
It should be noted that, mobile terminal 1 is for moving smart mobile phone, panel computer or the personal digital assistant of App application program 2.
It should be noted that, the content of the data transmission of carrying out between App application program 2, ATM (Automatic Teller Machine) 3 and bank server 4 is all Transaction Information.
It should be noted that, ATM (Automatic Teller Machine) 3 comprises input equipment and generates the generation module of Quick Response Code (is mode d or mode e if the described step 1 of the inventive method carries out, can not comprise two-dimensional code generation module), described input equipment comprises touch-screen with ∕ or keyboard operate and input Transaction Information for carrying out transaction.
It should be noted that, ATM (Automatic Teller Machine) 3 also comprises currency checking module and fault judge module, and described fault judge module is connected with described currency checking module.When user withdraws the money or deposits, fault judge module judges that this equipment whether can note output or deposit paper money, if currency checking module fault can not be concluded the business, interface prompt user can not carry out the transaction business of withdrawing the money, depositing.Described currency checking module is used for, in the time that user withdraws the money, the cash in ATM (Automatic Teller Machine) is extracted to withdraw the money the accordingly amount of money currency examine, or in the time that user deposits, the cash of putting into cash dispensing port is carried out to currency examine statistical magnitude.
Above content is in conjunction with concrete preferred implementation further description made for the present invention, can not assert that specific embodiment of the invention only limits to these explanations.For general technical staff of the technical field of the invention, without departing from the inventive concept of the premise, can also make some simple deduction or replace, all should be considered as belonging to protection scope of the present invention.
Claims (10)
1. a method that realizes transaction in ATM (Automatic Teller Machine) without bank card, is characterized in that, the method comprises the following steps:
When step 1, user select and carry out the mode of doing business without bank card business dealing in ATM (Automatic Teller Machine), described ATM (Automatic Teller Machine) will show a Quick Response Code;
The account of the App application program that step 2, described user login to its mobile terminal are installed, scans the described Quick Response Code showing in described ATM (Automatic Teller Machine) and decodes, and obtains the information that described Quick Response Code comprises after decoding;
Step 3, described App application program will response to the bank card interface that completes authentication and binding of described account, in the time that this user selects a certain bank card in this interface described in App application program will from the data message of described bank card, extract the card number of this bank card;
After the information encryption that step 4, described App application program comprise the card number of described bank card and described Quick Response Code, be sent to bank server;
After step 5, the deciphering of described bank server, obtain the card number of described bank card and the information that described Quick Response Code comprises;
The confirmation that the information that step 6, described bank server comprise by described Quick Response Code is concluded the business, and perform step 7 in the time confirming successfully, otherwise execution step 8;
Step 7, described bank server are by effective this transaction operation result notice to described ATM (Automatic Teller Machine), and described ATM (Automatic Teller Machine) is inputted the described user of prompting in the password of described bank card, and continues execution step 9;
Step 8, described bank server are by result notice invalid this transaction operation to described App application program, and described App application program to described user's described account, is closed the trade this result feedback;
Step 9, in described ATM (Automatic Teller Machine), input after described password as described user, the password of this user's input is sent to described bank server by described ATM (Automatic Teller Machine);
Step 10, described bank server utilize bank card account information corresponding to bank card number described in its data base querying, and whether the password that judges this input is consistent with the bank card password in described bank card account information, if consistent ratify described user and in described ATM (Automatic Teller Machine), carry out the transaction operation that is equal to bank card business dealing, otherwise close the trade.
2. method according to claim 1, is characterized in that: described ATM (Automatic Teller Machine) comprises ATM (automatic teller machine), automatic teller machine.
3. method according to claim 1, is characterized in that, in described step 1, described ATM (Automatic Teller Machine) will show a Quick Response Code, specifically comprise:
Mode a, described ATM (Automatic Teller Machine) generate voluntarily described Quick Response Code and show thereon, the identification number that the information that described Quick Response Code comprises is this ATM (Automatic Teller Machine) and the condition code of this transaction;
Or
Mode b, described ATM (Automatic Teller Machine) are asked for this time condition code of transaction to described bank server, described bank server will be recorded the identification number of this ATM (Automatic Teller Machine), and generate described condition code and send to it, described ATM (Automatic Teller Machine) generates with the form of Quick Response Code the described condition code obtaining show thereon, and the information that described Quick Response Code comprises is this condition code;
Or
Mode c, described ATM (Automatic Teller Machine) are asked for this time condition code of transaction to described bank server, described bank server generates described condition code and sends to it, described ATM (Automatic Teller Machine) generates the described condition code obtaining and its identification number show thereon with the form of Quick Response Code, the identification number that the information that described Quick Response Code comprises is this ATM (Automatic Teller Machine) and this condition code;
Or
Mode d, described ATM (Automatic Teller Machine) are asked for this time Quick Response Code of transaction to described bank server, described bank server will be recorded the identification number of this ATM (Automatic Teller Machine), and generate the condition code of this time transaction and be sent to described ATM (Automatic Teller Machine) and show thereon with the form of Quick Response Code, the information that described Quick Response Code comprises is this condition code;
Or
Mode e, described ATM (Automatic Teller Machine) are asked for this time Quick Response Code of transaction to described bank server, described bank server by generate this time transaction condition code and and the identification number of this ATM (Automatic Teller Machine) be sent to described ATM (Automatic Teller Machine) and show thereon with the form of Quick Response Code, the identification number that the information that described Quick Response Code comprises is this ATM (Automatic Teller Machine) and this condition code.
4. according to the method described in claim 1 or 3, it is characterized in that: the described this time condition code of transaction that the Quick Response Code that described ATM (Automatic Teller Machine) shows comprises be one group by any character with character string or numeric string that ∕ or numeral form, if and described step 1 carries out is mode a, in the time of each mode of doing business of carrying out in described ATM (Automatic Teller Machine) without bank card business dealing, described condition code will generate or generate in order according to handing over easy-operating number of times by this ATM (Automatic Teller Machine) is random;
If that described step 1 is carried out is mode b or mode c or mode d or mode e, in the time of each mode of doing business of carrying out in described ATM (Automatic Teller Machine) without bank card business dealing, described condition code will be generated according to handing over easy-operating number of times in order by described bank server.
5. method according to claim 1, it is characterized in that, before described step 3, also comprise: described user's login to the described account of described App application program completes the binding authentication to described bank card, and described account can be bound multiple bank cards.
6. method according to claim 5, is characterized in that, described user completes the binding authentication of described bank card is specifically comprised:
Card number, name in an account book and the phone number of required binding authentication bank card inputted in described user's login to the described account of described App application program;
Described App application program is sent to described bank after bank card number, name in an account book and the phone number of this user's input are encrypted
Server;
After described bank server deciphering, obtain described bank card number, described name in an account book and described phone number;
Described bank server utilizes the bank card account information that this card number of its data base querying is corresponding and utilizes the correctness of name in an account book and described phone number described in described bank card account validation of information, and will confirm that result notice is to described App application program;
When confirming that result be successfully time, described App application program will transmission mobile phone dynamic password to the mobile phone of described phone number;
When this user inputs after correct mobile phone dynamic password, complete the binding authentication to described bank card.
7. according to the method described in claim 1 or 3, it is characterized in that, in described step 6, the confirmation that the information that described bank server comprises by described Quick Response Code is concluded the business, specifically comprises:
If that described step 1 is carried out is mode a, ATM (Automatic Teller Machine) corresponding to described ATM (Automatic Teller Machine) identification number in the information that described bank server comprises to described Quick Response Code asked for this time condition code of transaction, and the condition code of confirming the described this time transaction in information that whether this condition code comprise with described Quick Response Code is consistent, if unanimously for to confirm successfully, if inconsistent for to confirm unsuccessfully;
If that described step 1 is carried out is mode b or mode c or mode d or mode e, when described ATM (Automatic Teller Machine) is asked for this transaction feature code or Quick Response Code to described bank server, the described condition code generating is saved to its database by described bank server, in the time that described App application program sends the information that described Quick Response Code comprises, described bank server utilizes its data base querying whether to have the described this time consistent described condition code of transaction feature code in the information comprising with described Quick Response Code, if exist for to confirm successfully, if do not exist for to confirm unsuccessfully.
8. according to the method described in claim 1 or 3, it is characterized in that, in described step 7, described bank server to described ATM (Automatic Teller Machine), specifically comprises effective this transaction operation result notice:
If that described step 1 is carried out is mode a or mode c or mode e, the described ATM (Automatic Teller Machine) identification number in the information that described bank server comprises by described Quick Response Code is notified this result to described ATM (Automatic Teller Machine);
If that described step 1 is carried out is mode b or mode d, described bank server is saved to its database together with the condition code of the described this time transaction of the identification number of the described ATM (Automatic Teller Machine) of recording and generation, in the time that described bank server is confirmed this Transaction Success, described bank server is notified this result by the corresponding described ATM (Automatic Teller Machine) identification number of preserving of described condition code to described ATM (Automatic Teller Machine).
9. a system that realizes transaction in ATM (Automatic Teller Machine) without bank card, is characterized in that, this system comprises:
Mobile terminal, it,, for the hardware device of accessible internet, comprises camera, for scanning the Quick Response Code showing in ATM (Automatic Teller Machine);
App application program, realizes the operation of transaction, for user account being managed, received and dispatched Transaction Information and possessing Quick Response Code decoding function by network environment;
ATM (Automatic Teller Machine), comprises ATM (automatic teller machine), automatic teller machine, carries out for showing the Quick Response Code that exchange needs;
Bank server, belongs to bank's internal server, has database, for inquiry and confirm Transaction Information, and determine whether ratify user in ATM (Automatic Teller Machine), carries out be equal to bank card business dealing transaction operate;
Network, comprises internet or mobile Internet.
10. system according to claim 9, is characterized in that: described mobile terminal is smart mobile phone, panel computer or the personal digital assistant that can move described App application program.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410059619.XA CN103778728A (en) | 2014-02-23 | 2014-02-23 | Method and system for realizing transaction without bank card through automatic teller machine |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410059619.XA CN103778728A (en) | 2014-02-23 | 2014-02-23 | Method and system for realizing transaction without bank card through automatic teller machine |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103778728A true CN103778728A (en) | 2014-05-07 |
Family
ID=50570915
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410059619.XA Pending CN103778728A (en) | 2014-02-23 | 2014-02-23 | Method and system for realizing transaction without bank card through automatic teller machine |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN103778728A (en) |
Cited By (29)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104158668A (en) * | 2014-09-09 | 2014-11-19 | 北京数字认证股份有限公司 | Method and system for realizing electronic signature |
| CN104240371A (en) * | 2014-09-24 | 2014-12-24 | 冯林 | Deposit and withdrawal system based on static QR code |
| CN104464117A (en) * | 2014-12-29 | 2015-03-25 | 通邮信息技术有限公司 | Automatic tell machine money withdrawing method and system based on dynamic two-dimensional code |
| CN104504560A (en) * | 2014-12-17 | 2015-04-08 | 张家港保税区润桐电子技术研发有限公司 | Pay card transfer method based on two-dimension code |
| CN104599408A (en) * | 2014-12-29 | 2015-05-06 | 通邮信息技术有限公司 | Third-party account ATM (automatic teller machine) withdrawing method and system based on dynamic two-dimension codes |
| CN104809827A (en) * | 2015-05-23 | 2015-07-29 | 张萍 | Cash depositing and withdrawing system based on Internet of things |
| 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 |
| CN105225359A (en) * | 2015-09-15 | 2016-01-06 | 中国联合网络通信集团有限公司 | Nothing based on Quick Response Code blocks withdraw the money method and finger print identifying server |
| CN105279160A (en) * | 2014-06-05 | 2016-01-27 | 腾讯科技（深圳）有限公司 | Method and device for showing account attribute information |
| 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 |
| CN105488922A (en) * | 2015-12-30 | 2016-04-13 | 中国建设银行股份有限公司 | Cardless money withdrawing method and related devices and systems |
| CN105654377A (en) * | 2015-12-30 | 2016-06-08 | 中国建设银行股份有限公司 | Card-less withdrawal method, related device and system |
| CN106991769A (en) * | 2017-05-22 | 2017-07-28 | 滁州学院 | A kind of withdrawal system based on Quick Response Code |
| CN107085899A (en) * | 2017-03-27 | 2017-08-22 | 深圳怡化电脑股份有限公司 | The identity identifying method at finance self-help end and finance self-help end |
| CN107408246A (en) * | 2014-12-19 | 2017-11-28 | 迪堡多富公司 | Pre-set ATM transactions |
| CN107451809A (en) * | 2017-06-29 | 2017-12-08 | 台山市金讯互联网络科技有限公司 | A kind of method withdrawn the money without card |
| CN107564204A (en) * | 2017-08-21 | 2018-01-09 | 深圳怡化电脑股份有限公司 | A kind of wholesale withdrawal method and atm device |
| CN108399536A (en) * | 2018-02-07 | 2018-08-14 | 聚龙股份有限公司 | A kind of operating method of internet cash interactive service equipment |
| CN108734894A (en) * | 2018-04-26 | 2018-11-02 | 北京云点联动科技发展有限公司 | A kind of control method of light combined type doll machine |
| CN108877098A (en) * | 2018-05-04 | 2018-11-23 | 平安科技（深圳）有限公司 | Without card withdrawal method and device, system, storage medium and electronic equipment |
| CN108922074A (en) * | 2018-05-31 | 2018-11-30 | 深圳壹账通智能科技有限公司 | Without card withdrawal method, apparatus, computer equipment and storage medium |
| CN109034996A (en) * | 2018-06-07 | 2018-12-18 | 郝迎晓 | Information processing method, the apparatus and system of bank account are opened up based on two dimensional code |
| CN110084021A (en) * | 2019-05-14 | 2019-08-02 | 中国工商银行股份有限公司 | Cabinet surface terminal, client, cabinet face data exchange method and system |
| CN110490587A (en) * | 2019-08-23 | 2019-11-22 | 中国联合网络通信集团有限公司 | A kind of method and device of quick lock in bank card |
| CN111080923A (en) * | 2019-11-26 | 2020-04-28 | 中国建设银行股份有限公司 | Identity authentication method and device for financial equipment |
| CN111640264A (en) * | 2020-06-11 | 2020-09-08 | 中国银行股份有限公司 | Automatic teller machine and method for card withdrawal |
| CN111640263A (en) * | 2020-05-29 | 2020-09-08 | 中国工商银行股份有限公司 | Information interaction method and device, automatic teller machine and medium |
| CN114282890A (en) * | 2021-12-21 | 2022-04-05 | 中国农业银行股份有限公司 | Card-free counter business handling system, method, equipment and storage medium |
| CN115631583A (en) * | 2022-10-26 | 2023-01-20 | 平安银行股份有限公司 | A processing method, device and system for cardless cash withdrawal across banks and different places |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP1357524A1 (en) * | 2000-10-31 | 2003-10-29 | Yozan Inc. | Commodity transacting device, mobile communication device, administration device, and commodity transacting system |
| KR20040011401A (en) * | 2003-12-18 | 2004-02-05 | 주식회사 교원나라 | Bank transaction system for linked accounts via common account |
| CN101098371A (en) * | 2006-06-29 | 2008-01-02 | 中国银联股份有限公司 | Financial data processing method and mobile terminal device |
| CN103150837A (en) * | 2013-02-01 | 2013-06-12 | 深圳市怡化电脑有限公司 | System and method for achieving cardless withdrawal on automatic teller machine (ATM) |
-
2014
- 2014-02-23 CN CN201410059619.XA patent/CN103778728A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP1357524A1 (en) * | 2000-10-31 | 2003-10-29 | Yozan Inc. | Commodity transacting device, mobile communication device, administration device, and commodity transacting system |
| KR20040011401A (en) * | 2003-12-18 | 2004-02-05 | 주식회사 교원나라 | Bank transaction system for linked accounts via common account |
| CN101098371A (en) * | 2006-06-29 | 2008-01-02 | 中国银联股份有限公司 | Financial data processing method and mobile terminal device |
| CN103150837A (en) * | 2013-02-01 | 2013-06-12 | 深圳市怡化电脑有限公司 | System and method for achieving cardless withdrawal on automatic teller machine (ATM) |
Cited By (39)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105279160A (en) * | 2014-06-05 | 2016-01-27 | 腾讯科技（深圳）有限公司 | Method and device for showing account attribute information |
| CN104158668A (en) * | 2014-09-09 | 2014-11-19 | 北京数字认证股份有限公司 | Method and system for realizing electronic signature |
| CN104240371B (en) * | 2014-09-24 | 2016-08-17 | 福建今日特价网络有限公司 | Deposit and withdrawal system based on static QR code |
| CN106097555A (en) * | 2014-09-24 | 2016-11-09 | 冯林 | Withdrawal system based on static two dimensional code |
| CN104240371A (en) * | 2014-09-24 | 2014-12-24 | 冯林 | Deposit and withdrawal system based on static QR code |
| CN106097555B (en) * | 2014-09-24 | 2019-03-01 | 南京依智软件科技有限公司 | Withdrawal system based on static two dimensional code |
| CN104504560A (en) * | 2014-12-17 | 2015-04-08 | 张家港保税区润桐电子技术研发有限公司 | Pay card transfer method based on two-dimension code |
| CN107408246A (en) * | 2014-12-19 | 2017-11-28 | 迪堡多富公司 | Pre-set ATM transactions |
| CN107408246B (en) * | 2014-12-19 | 2021-09-14 | 迪堡多富公司 | Token-based transactions |
| CN104599408A (en) * | 2014-12-29 | 2015-05-06 | 通邮信息技术有限公司 | Third-party account ATM (automatic teller machine) withdrawing method and system based on dynamic two-dimension codes |
| CN104599408B (en) * | 2014-12-29 | 2017-08-01 | 通邮信息技术有限公司 | Third party's account ATM withdrawal method and system based on dynamic two-dimension code |
| CN104464117A (en) * | 2014-12-29 | 2015-03-25 | 通邮信息技术有限公司 | Automatic tell machine money withdrawing method and system based on dynamic two-dimensional code |
| 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 |
| CN104809827A (en) * | 2015-05-23 | 2015-07-29 | 张萍 | Cash depositing and withdrawing system based on Internet of things |
| CN105225359B (en) * | 2015-09-15 | 2017-08-25 | 中国联合网络通信集团有限公司 | Based on Quick Response Code without card withdrawal method and finger print identifying server |
| CN105225359A (en) * | 2015-09-15 | 2016-01-06 | 中国联合网络通信集团有限公司 | Nothing based on Quick Response Code blocks withdraw the money method and finger print identifying server |
| 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 |
| CN105654377A (en) * | 2015-12-30 | 2016-06-08 | 中国建设银行股份有限公司 | Card-less withdrawal method, related device and system |
| CN105654377B (en) * | 2015-12-30 | 2020-01-17 | 中国建设银行股份有限公司 | Cardless withdrawal method, related device and system |
| CN105488922A (en) * | 2015-12-30 | 2016-04-13 | 中国建设银行股份有限公司 | Cardless money withdrawing method and related devices and systems |
| CN107085899A (en) * | 2017-03-27 | 2017-08-22 | 深圳怡化电脑股份有限公司 | The identity identifying method at finance self-help end and finance self-help end |
| CN106991769A (en) * | 2017-05-22 | 2017-07-28 | 滁州学院 | A kind of withdrawal system based on Quick Response Code |
| CN107451809A (en) * | 2017-06-29 | 2017-12-08 | 台山市金讯互联网络科技有限公司 | A kind of method withdrawn the money without card |
| CN107564204A (en) * | 2017-08-21 | 2018-01-09 | 深圳怡化电脑股份有限公司 | A kind of wholesale withdrawal method and atm device |
| CN108399536A (en) * | 2018-02-07 | 2018-08-14 | 聚龙股份有限公司 | A kind of operating method of internet cash interactive service equipment |
| CN108734894A (en) * | 2018-04-26 | 2018-11-02 | 北京云点联动科技发展有限公司 | A kind of control method of light combined type doll machine |
| CN108877098A (en) * | 2018-05-04 | 2018-11-23 | 平安科技（深圳）有限公司 | Without card withdrawal method and device, system, storage medium and electronic equipment |
| WO2019210613A1 (en) * | 2018-05-04 | 2019-11-07 | 平安科技（深圳）有限公司 | Card-free withdrawal method and apparatus, and system, storage medium and electronic device |
| CN108877098B (en) * | 2018-05-04 | 2021-07-27 | 平安科技（深圳）有限公司 | Cardless withdrawal method, device, system, storage medium and electronic equipment |
| CN108922074A (en) * | 2018-05-31 | 2018-11-30 | 深圳壹账通智能科技有限公司 | Without card withdrawal method, apparatus, computer equipment and storage medium |
| CN109034996A (en) * | 2018-06-07 | 2018-12-18 | 郝迎晓 | Information processing method, the apparatus and system of bank account are opened up based on two dimensional code |
| CN110084021A (en) * | 2019-05-14 | 2019-08-02 | 中国工商银行股份有限公司 | Cabinet surface terminal, client, cabinet face data exchange method and system |
| CN110490587A (en) * | 2019-08-23 | 2019-11-22 | 中国联合网络通信集团有限公司 | A kind of method and device of quick lock in bank card |
| CN111080923A (en) * | 2019-11-26 | 2020-04-28 | 中国建设银行股份有限公司 | Identity authentication method and device for financial equipment |
| CN111640263A (en) * | 2020-05-29 | 2020-09-08 | 中国工商银行股份有限公司 | Information interaction method and device, automatic teller machine and medium |
| CN111640263B (en) * | 2020-05-29 | 2022-02-22 | 中国工商银行股份有限公司 | Information interaction method and device, automatic teller machine and medium |
| CN111640264A (en) * | 2020-06-11 | 2020-09-08 | 中国银行股份有限公司 | Automatic teller machine and method for card withdrawal |
| CN114282890A (en) * | 2021-12-21 | 2022-04-05 | 中国农业银行股份有限公司 | Card-free counter business handling system, method, equipment and storage medium |
| CN115631583A (en) * | 2022-10-26 | 2023-01-20 | 平安银行股份有限公司 | A processing method, device and system for cardless cash withdrawal across banks and different places |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN103778728A (en) | Method and system for realizing transaction without bank card through automatic teller machine | |
| US10475015B2 (en) | Token-based security processing | |
| CN104464117B (en) | Based on dynamic two-dimension code ATM (automatic teller machine) withdrawal method and system | |
| EP2693687B1 (en) | Method for generating a code, authorization method and authorization system for authorizing an operation | |
| CN103778531A (en) | Method and system for implementing electronic bank card payment on basis of two-dimensional code | |
| CN102075547B (en) | Dynamic password generating method and device and authentication method and system | |
| US8407463B2 (en) | Method of authentication of users in data processing systems | |
| CN104599408B (en) | Third party's account ATM withdrawal method and system based on dynamic two-dimension code | |
| CN103903131A (en) | Method and system for achieving electronic transaction based on graphic code | |
| US20090172402A1 (en) | Multi-factor authentication and certification system for electronic transactions | |
| CA2841938C (en) | Mobile communication device based monetary transfer system | |
| US9256724B2 (en) | Method and system for authorizing an action at a site | |
| CN103632436B (en) | A kind of method of the withdrawal based on terminal | |
| CN103944877A (en) | Method and system for safely logging on bank website based on two-dimension code | |
| CN101340294A (en) | Cipher keyboard apparatus and implementing method thereof | |
| KR20230137326A (en) | System and method for short-distance non-contact card communication and encryption authentication | |
| US20130046689A1 (en) | System and Method for Facilitating Transactions | |
| CN101236675A (en) | Method for checking bank terminal equipment legitimacy by user mobile phones SMS | |
| CN103942691A (en) | Method and system for realizing electronic transaction through sound waves | |
| CN104951939A (en) | Electronic bank card system and application method thereof as well as electronic method of bank card | |
| KR102073563B1 (en) | Financial transaction method and system using financial automation device based on qr code | |
| CN101820593A (en) | Intelligent SIM card and method for realizing transmission and processing of data short message through same | |
| US10051468B2 (en) | Process for authenticating an identity of a user | |
| KR20130016145A (en) | The security online payment system and those methods based on two dimensions code scanning with a device containing encrypted payment authentication information | |
| TWI677842B (en) | System for assisting a financial card holder in setting password for the first time and method thereof |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20140507 |
|
| RJ01 | Rejection of invention patent application after publication |