TWI842295B - Nfc sensing entity atm transaction system and method thereof - Google Patents

Abstract

A NFC sensing entity ATM transaction system and method, which are applied in a portable electronic device, including a transceiver, a storage medium and a processor. The processor accesses and executes an adding module, a sensing module, an authentication module, a setting module, a capture module and a database stored in the storage medium. The adding module is used for a user to add financial cards. The sensing module is used for connecting an ATM machine through NFC induction communication after the user inserts the newly added financial card into the ATM machine. The authentication module is used to input a first authentication information in the portable electronic device to verify with a chip card information of the newly added financial card, and store it in the database. The setting module is used for setting the transaction verification information corresponded to a financial transaction operation according to the financial transaction operation and storing it in the database. The capture module is used to capture financial transaction information from ATM machine.

Description

NFC sensing physical ATM transaction system and method

The present invention relates to a physical ATM transaction system and method thereof, and in particular to an NFC inductive physical ATM transaction system and method thereof.

Currently, when using a physical automatic teller machine (ATM), the user needs to insert the bank card they carry with them into the ATM and verify the password before they can conduct subsequent financial transactions.

Modern people usually have more than one financial account, and it is not convenient to carry all the financial cards with them.

The present invention provides an NFC sensing physical ATM transaction system and method thereof, which does not require the user to carry a bank card to the ATM machine for operation, thereby improving the user experience.

The present invention discloses a near-field communication (NFC) sensing physical automatic teller machine (ATM) transaction system, which is applied to a portable electronic device. The NFC sensing physical ATM transaction system includes a transceiver, a storage medium, and a processor. The storage medium is used to store multiple modules and databases. The processor is coupled to the storage medium and the transceiver, and the processor accesses and executes the new module, the sensing module, the authentication module, the setting module, the capture module, and the database stored in the storage medium. The new module is used for the user to input the financial card information of the new financial card or for the user to select the financial card information to add a new financial card. The sensing module is electrically connected to the adding module, and is used to connect the sensing module and the ATM through NFC inductive communication after the user inserts the newly added financial card into the ATM. The authentication module is electrically connected to the sensing module and the database respectively, and is used for the user to input the first verification information in the portable electronic device to verify with the chip card information of the newly added financial card, and the first verification information after verification is stored in the database. The setting module is electrically connected to the authentication module and the database respectively, and is used for the user to set the transaction verification information corresponding to the financial transaction operation according to the financial transaction operation and store it in the database. The capture module is electrically connected to the sensing module and the database respectively, and is used to capture the financial transaction information from the ATM through the sensing module when the user uses the ATM to perform financial transaction operations.

The present invention discloses a near-field communication (NFC) sensing physical automatic teller machine (ATM) transaction method, which is applied to a portable electronic device. The NFC sensing physical ATM transaction method includes: a user inputs the financial card information of a newly added financial card or allows the user to select the financial card information to add a new financial card; after the user inserts the newly added financial card into the ATM, the portable electronic device is connected to the ATM through NFC sensing communication; first verification information is input into the portable electronic device to verify with the chip card information of the newly added financial card, and the verified first verification information is stored in a database; transaction verification information corresponding to the financial transaction operation is set according to the financial transaction operation and stored in the database; and when the user uses the ATM to perform a financial transaction operation, the financial transaction information is retrieved from the ATM through the portable electronic device.

Based on the above, the present invention provides an NFC sensing physical ATM transaction system and method thereof, which adds multiple bank cards to a portable electronic device and communicates with the ATM machine via NFC technology to perform financial operations. The user does not need to carry the bank card to the ATM machine for operation, thereby improving the user experience.

In order to make the above features and advantages of the present disclosure more clearly understood, embodiments are specifically cited below and described in detail with reference to the accompanying drawings.

FIG. 1 is a schematic diagram of an NFC sensing physical ATM transaction system according to an embodiment of the present invention.

1 , an NFC sensing physical ATM transaction system 10 according to an embodiment of the present disclosure is applied to a portable electronic device (not shown), and includes a processor 110 , a storage medium 120 , and a transceiver 130 .

The transceiver 130 transmits and receives signals wirelessly or wiredly. The transceiver 130 may also perform operations such as low noise amplification, impedance matching, frequency mixing, up or down frequency conversion, filtering, amplification, and the like.

The storage medium 120 is used to store various software, data and various program codes required for the operation of the NFC sensing physical ATM transaction system 10. The storage medium 120 is, for example, any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory, hard disk drive (HDD), solid state drive (SSD) or similar components or a combination of the above components, and is used to store multiple modules or various applications that can be executed by the processor 110. In one embodiment, the storage medium 120 can store a new module 1201, a sensing module 1202, a verification module 1203, a setting module 1204, a capture module 1205, a transaction module 1206, and a database 1207.

The processor 110 is, for example, a central processing unit (CPU), or other programmable general-purpose or special-purpose micro control unit (MCU), microprocessor, digital signal processor (DSP), programmable controller, application specific integrated circuit (ASIC), graphics processing unit (GPU), image signal processor (ISP), image processing unit (IPU), arithmetic logic unit (ALU), complex programmable logic device (CPLD), field programmable gate array (FPGA), or other similar components or combinations of the above components. The processor 110 can be coupled to the storage medium 120 and the transceiver 130, and access and execute various applications stored in the storage medium 120 and the addition module 1201, the sensing module 1202, the authentication module 1203, the setting module 1204, the acquisition module 1205, the transaction module 1206 and the database 1207 stored in the storage medium 120.

The new adding module 1201 is used for the user to input the debit card information of the new debit card or for the user to select the debit card information to add the new debit card.

The sensing module 1202 is electrically connected to the added module 1201, and is used for connecting the ATM with the sensing module 1202 through NFC induction communication after the user inserts the added bank card into an ATM (not shown), wherein the ATM has an NFC sensing area.

The authentication module 1203 is electrically connected to the sensing module 1202 and the database 1207 respectively, and is used for allowing the user to input first authentication information in the portable electronic device to authenticate with the chip card information of the newly added bank card, and storing the authenticated first authentication information in the database 1207.

The setting module 1204 is electrically connected to the authentication module 1203 and the database 1207 respectively, and is used for the user to set the transaction verification information corresponding to the financial transaction operation according to the financial transaction operation and store it in the database 1207, wherein the transaction verification information may include biometric information and first verification information. In one embodiment, the biometric information may be facial feature information, and the first verification information may be a bank card password. In another embodiment, the biometric information may be fingerprint information or palm print information. The present invention is not limited thereto.

The capture module 1205 is electrically connected to the sensing module 1202 and the database 1207 respectively, and is used to capture financial transaction information from the ATM through the sensing module 1202 when the user uses the ATM to perform financial transaction operations.

The transaction module 1206 is electrically connected to the capture module 1205 and the database 1207 respectively, and is used to perform verification based on the transaction verification information to execute the financial transaction operation, wherein the transaction verification information includes the biometric information and the first verification information.

In one embodiment, the user can use biometric information to conduct small transactions (e.g., small withdrawals and transfers of less than NT$5,000). In another embodiment, the user needs to use biometric information and first verification information for secondary verification to perform large transactions (e.g., large withdrawals and transfers of more than NT$5,000).

The following is a combination of an embodiment and FIGS. 2 to 5 to illustrate how a user adds a new bank card to a wallet APP in a portable electronic device, and how to set up an NFC transaction and perform an NFC transaction. In this embodiment, the portable electronic device is a mobile phone.

Fig. 2 is a schematic diagram of a newly added financial card according to an embodiment of the present invention. Fig. 3 is a schematic diagram of enabling NFC transactions according to an embodiment of the present invention. Fig. 4 is a schematic diagram of transaction verification according to an embodiment of the present invention. Fig. 5 is a schematic diagram of an NFC transaction according to an embodiment of the present invention.

Please refer to Figures 2 to 5. In the "Add Wallet" screen 201, the user can enter the debit card information of the debit card to be added (such as the card number and account number, etc.), or the user can directly select the card previously stored in the Wallet APP in the "Add Wallet" screen 201 to obtain the debit card information to be added in order to add a debit card.

After adding a debit card, since NFC transactions have not yet been activated, users must bring their mobile phone and physical debit card to a physical ATM to activate NFC transactions.

After the user inserts the bank card into the ATM and enters the first verification information (such as the bank card password or chip card password) in the ATM, the user clicks "Enable NFC Transaction" in the "Other Services" or "Function Settings" option in the NFC transaction activation screen 301, 302, 303 of the ATM, logs into the wallet APP on the mobile phone, and places the mobile phone on the NFC sensing area of the ATM at the same time. The ATM connects with the mobile phone through NFC sensing communication via the NFC sensing area.

The user clicks "Agree" in the "Enable NFC Transactions" option in the NFC Transaction Enabling Screen 302, and enters the chip card password for authentication in the NFC Transaction Enabling Screen 303. In the transaction verification screens 401, 402, and 403, the mobile phone's wallet app will first use biometrics (such as Face ID) to agree that the mobile phone and the ATM machine conduct NFC wireless transmission, and enter the same bank card password as the bank card in the mobile phone's wallet app to verify with the chip of the bank card in the ATM machine. After the verification is consistent, the bank card password is written into the virtual bank card in the mobile phone's wallet app to complete the NFC transaction.

If the user needs to use an ATM to perform an NFC transaction operation, the user can go directly to the ATM and select the NFC transaction option in the NFC transaction screen 501 on the ATM screen, and place the mobile phone on the NFC sensing area of the ATM after logging into the wallet APP on the mobile phone. In one embodiment, the user can use the biometric function (i.e., using biometric information) to perform small transactions (such as small withdrawals less than NT$5,000, small transfers, etc.). In another embodiment, if the user needs to withdraw cash, transfer money, pay bills, etc. exceeding NT$5,000, he/she needs to use the biometric function (i.e., use biometric information) in combination with the debit card password of the virtual debit card stored in the wallet app of the mobile phone for secondary verification before the NFC sensing function can be used to perform large transactions.

FIG6 is a flow chart of an NFC sensing physical ATM transaction method according to an embodiment of the present invention.

Please refer to FIG. 6 , in step S601 , the user inputs the debit card information of the newly added debit card or the user selects the debit card information to add the new debit card.

In step S602, after the user inserts the newly added bank card into the ATM, the portable electronic device and the ATM are connected via NFC induction.

In step S603, the first verification information is input into the portable electronic device to verify with the chip card information of the newly added bank card, and the verified first verification information is stored.

In step S604, transaction verification information corresponding to the financial transaction operation is set and stored according to the financial transaction operation.

In step S605, when a user uses an ATM to perform a financial transaction, the user uses a portable electronic device to retrieve financial transaction information from the ATM.

In step S606, verification is performed based on the transaction verification information to execute the financial transaction operation.

In one embodiment, a user may use the biometric function (i.e., utilize biometric information) to conduct small transactions (e.g., small withdrawals and small transfers of less than NT$5,000).

In another embodiment, if the user needs to withdraw cash, transfer money, pay bills, etc. exceeding NT$5,000, he/she needs to use the biometric function (i.e., use biometric information) in combination with the debit card password of the virtual debit card stored in the wallet app of the mobile phone for secondary verification before the NFC sensing function can be used to perform large transactions.

Based on the above, the present invention provides an NFC sensing physical ATM transaction system and method thereof, which adds multiple bank cards to a portable electronic device and communicates with the ATM machine via NFC technology to perform financial operations. The user does not need to carry the bank card to the ATM machine for operation, thereby improving the user experience.

Although the present disclosure has been disclosed as above by way of embodiments, it is not intended to limit the present disclosure. Any person having ordinary knowledge in the relevant technical field may make some changes and modifications without departing from the spirit and scope of the present disclosure. Therefore, the protection scope of the present disclosure shall be subject to the definition of the attached patent application scope.

10: NFC sensing physical ATM transaction system 110: processor 120: storage medium 130: transceiver 1201: add module 1202: sensing module 1203: authentication module 1204: setting module 1205: capture module 1206: transaction module 1207: database 201: add "wallet" screen 301, 302, 303: enable NFC transaction screen 401, 402, 403: transaction verification screen 501: NFC transaction screen S601, S602, S603, S604, S605, S606: steps

FIG. 1 is a schematic diagram of an NFC sensing physical ATM transaction system according to an embodiment of the present invention. FIG. 2 is a schematic diagram of a newly added financial card according to an embodiment of the present invention. FIG. 3 is a schematic diagram of enabling NFC transactions according to an embodiment of the present invention. FIG. 4 is a schematic diagram of transaction verification according to an embodiment of the present invention. FIG. 5 is a schematic diagram of an NFC transaction according to an embodiment of the present invention. FIG. 6 is a flow chart of an NFC sensing physical ATM transaction method according to an embodiment of the present invention.

10: NFC sensing physical ATM transaction system

110: Processor

120: Storage media

130: Transceiver

1201: New module

1202:Sensor module

1203: Authentication module

1204: Setting module

1205: Capture module

1206: Trading module

1207: Database

Claims (8)

A near-field communication (NFC) sensing physical automatic teller machine (ATM) transaction system is applied to a portable electronic device. The NFC sensing physical ATM transaction system includes: a transceiver; a storage medium for storing a plurality of modules and a database; and a processor coupled to the storage medium and the transceiver. The processor accesses and executes the modules and the database stored in the storage medium. The modules include: a new module for a user to input the financial card information of a new financial card or for the user to input the financial card information of a new financial card. The bank card information is selected to add the bank card; the sensing module is electrically connected to the adding module, and is used for the sensing module to communicate with the ATM through NFC after the user inserts the newly added bank card into the ATM; the authentication module is electrically connected to the sensing module and the database, and is used for the user to input the first authentication information in the portable electronic device to authenticate the chip card information of the newly added bank card, and the authenticated first authentication information is sent to the ATM. The information is stored in the database; a setting module is electrically connected to the authentication module and the database respectively, and is used for the user to set the transaction verification information corresponding to the financial transaction operation according to the financial transaction operation and store it in the database, wherein the financial transaction operation is a cardless transfer transaction operation; and a capture module is electrically connected to the sensing module and the database respectively, and is used to transmit the information to the ATM through the sensing module when the user uses the ATM to perform a financial transaction operation. Capturing financial transaction information, wherein the transaction verification information includes biometric information and the first verification information, wherein in response to the transaction amount corresponding to the financial transaction operation being less than a preset amount, the NFC sensing physical ATM transaction system performs the financial transaction operation according to the biometric information, and in response to the transaction amount being greater than or equal to the preset amount, the NFC sensing physical ATM transaction system performs the financial transaction operation according to the biometric information and the first verification information. The NFC sensing physical ATM transaction system as described in claim 1, wherein the modules further include: a transaction module, electrically connected to the capture module and the database respectively, and the transaction module is used to perform verification based on the biometric information to perform the financial transaction operation. The NFC sensing physical ATM transaction system as described in claim 1, wherein the modules further include: a transaction module, electrically connected to the capture module and the database respectively, and the transaction module is used to perform verification based on the transaction verification information to execute the financial transaction operation. The NFC sensing physical ATM transaction system as described in claim 1, wherein the ATM machine has an NFC sensing area, and the ATM machine is connected to the sensing module via NFC sensing communication via the NFC sensing area. A near-field communication (NFC) inductive physical automatic teller machine (ATM) transaction method is applied to a portable electronic device. The NFC inductive physical ATM transaction method comprises: a user inputs the financial card information of a newly added financial card or allows the user to select the financial card information to add the financial card; after the user inserts the newly added financial card into the ATM, the portable electronic device is connected to the ATM through NFC inductive communication; first verification information is input into the portable electronic device to verify the chip card information of the newly added financial card, and the verified first verification information is stored; and a transaction is performed according to the financial transaction operation setting with the financial transaction. The portable electronic device is used to obtain the transaction verification information corresponding to the ATM machine, wherein the transaction verification information includes biometric information and the first verification information, and the transaction verification information corresponding to the financial transaction operation is stored, wherein the financial transaction operation is a cardless transfer transaction operation; and when the user uses the ATM machine to perform a financial transaction operation, the portable electronic device is used to obtain the financial transaction information from the ATM machine, wherein the transaction verification information includes biometric information and the first verification information, wherein in response to the transaction amount corresponding to the financial transaction operation being less than a preset amount, the financial transaction operation is performed according to the biometric information, and in response to the transaction amount being greater than or equal to the preset amount, the financial transaction operation is performed according to the biometric information and the first verification information. The NFC sensing physical ATM transaction method as described in claim 5, wherein the NFC sensing physical ATM transaction method further includes: Performing verification based on the biometric information to perform the financial transaction operation. The NFC sensing physical ATM transaction method as described in claim 5, wherein the NFC sensing physical ATM transaction method further includes: performing verification based on the transaction verification information to perform the financial transaction operation. The NFC inductive physical ATM transaction method as described in claim 5, wherein the ATM machine has an NFC inductive area, and the ATM machine is connected to the portable electronic device via NFC inductive communication via the NFC inductive area.

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