TWI890411B - Cross-border withdrawal operating system and method - Google Patents

Abstract

A cross-border withdrawal operating system includes a cross-border interface server unit and an operation server unit which electrically connects to the cross-border interface server unit. The cross-border withdrawal operating system is used to: after receiving an overseas withdrawal request from a withdrawal party’s mobile device, transmit an interface identification data for input into an overseas automatic teller machine to the withdrawal party's mobile device. When receiving a pending withdrawal demand data from an external server system, determine whether the pending withdrawal demand data meets a demand validity condition. When the judgement result is yes, transmit a transaction approval notification corresponding to the pending withdrawal demand data to the external server system. The transaction approval notification is used to control the overseas automatic teller machine to output cash to complete the withdrawal transaction.

Description

Cross-border withdrawal system and method

The present invention relates to a cash withdrawal system, and more particularly, to a cross-border cash withdrawal system for processing cross-border cash withdrawal transactions. The present invention also relates to a cross-border cash withdrawal method for processing cross-border cash withdrawal transactions.

In today's globalized world, people's lives and work are increasingly unconstrained by geographical boundaries. With the rise in travel, overseas employment, and international trade, the demand for cross-border financial transactions is also increasing. Against this backdrop, improving the convenience of cross-border withdrawals is not only an inevitable trend in the development of financial technology, but also a crucial component in promoting global economic integration and improving people's quality of life.

Therefore, how to make cross-border withdrawal services more convenient to use has become the issue that this case aims to explore.

Therefore, one of the objectives of the present invention is to provide a cross-border withdrawal system that can make cross-border withdrawal services more convenient.

The cross-border cash withdrawal system of the present invention is adapted to cooperate with a cash withdrawal mobile device and an external servo system electrically connected to an offshore automated teller machine. The system comprises a cross-border interface servo unit electrically connected to the external servo system, and an operation servo unit electrically connected to the cross-border interface servo unit, adapted to electrically connect to the cash withdrawal mobile device. The operation service unit is used to transmit an interface identification data corresponding to the cross-border interface service unit to the mobile device of the cash withdrawal party after receiving an overseas withdrawal request from the mobile device of the cash withdrawal party when the mobile device of the cash withdrawal party is logged in with a user account, wherein the overseas withdrawal request is related to an overseas automatic teller device, and the interface identification data is used to be input into the overseas automatic teller device. The cross-border interface servo unit is configured to, upon receiving pending withdrawal request data transmitted by the external servo system based on the interface identification data, determine whether the pending withdrawal request data satisfies a requirement validity condition. If it is determined that the pending withdrawal request data satisfies the requirement validity condition, the unit transmits a transaction approval notification corresponding to the pending withdrawal request data to the external servo system, wherein the transaction approval notification is used to control the offshore ATM to output cash, thereby completing a cross-border withdrawal transaction corresponding to the user account.

In some embodiments of the cross-border withdrawal operating system of the present invention, the operating server unit is further configured to, upon receiving the overseas withdrawal request, generate and transmit comparison reference data to the cross-border interface server unit, wherein the comparison reference data includes designated device data corresponding to the overseas automated teller device. The cross-border interface server unit determines whether the withdrawal request data to be confirmed meets the validity conditions of the request by comparing the withdrawal request data to be confirmed transmitted by the external server system with the comparison reference data. If the comparison result is consistent, the withdrawal request data to be confirmed meets the validity conditions of the request; if the comparison result is inconsistent, the withdrawal request data to be confirmed does not meet the validity conditions of the request.

In some embodiments of the cross-border cash withdrawal system of the present invention, the cross-border interface server unit is further configured to transmit an overseas verification request to the operation server unit if the pending withdrawal request data satisfies the request validity conditions. Upon receiving the overseas verification request, the operation server unit is further configured to generate a one-time verification code based on the overseas verification request and provide the one-time verification code to the withdrawer's mobile device, wherein the one-time verification code is intended to be input into the overseas automated teller machine. The operation server unit is further configured to, upon receiving a pending verification input code corresponding to the one-time verification code entered into the offshore ATM device, determine whether the pending verification input code matches the one-time verification code and, if so, transmit a verification success notification corresponding to the offshore verification request to the cross-border interface server unit. The cross-border interface server unit transmits the transaction approval notification to the external server system only after determining that the pending withdrawal request data meets the request validity conditions and receiving the verification success notification.

In some implementations of the cross-border cash withdrawal system of the present invention, the operation server unit provides the one-time verification code to the mobile device of the cash withdrawal party in the form of an application push.

In some embodiments of the cross-border cash withdrawal operating system of the present invention, the overseas cash withdrawal request includes designated device data corresponding to the overseas ATM device. The designated device data is obtained by the withdrawing party's mobile device by scanning a barcode displayed by the overseas ATM device, and the designated device data includes designated device location data indicating the installation location of the overseas ATM device. The operation service unit is further configured to obtain withdrawing party location data indicating the current location of the withdrawing party's mobile device from the withdrawing party's mobile device, determine whether the withdrawing party location data matches the designated device location data, and, if it is determined that the withdrawing party location data matches the designated device location data, transmit a verification success notification corresponding to the overseas cash withdrawal request to the cross-border interface service unit. The cross-border interface server unit transmits the transaction approval notification to the external server system only when it determines that the withdrawal request data to be confirmed meets the validity conditions of the request and receives the verification success notification.

Another object of the present invention is to provide a cross-border withdrawal method that can make cross-border withdrawal services more convenient.

The cross-border cash withdrawal operation method of the present invention is implemented by a cross-border cash withdrawal operation system, which is suitable for cooperating with a cash withdrawal party's mobile device and an external servo system. The external servo system is electrically connected to an overseas automatic teller device. The cross-border cash withdrawal operation system includes a cross-border interface servo unit suitable for electrically connecting to the external servo system, and an operation servo unit electrically connected to the cross-border interface servo unit and suitable for electrically connecting to the cash withdrawal party's mobile device. The cross-border cash withdrawal operation method comprises: (A) when the operation service unit is logged in by the mobile device of the cash withdrawal party with a user account, the operation service unit, after receiving an overseas cash withdrawal request from the mobile device of the cash withdrawal party, transmits an interface identification data corresponding to the cross-border interface service unit to the mobile device of the cash withdrawal party according to the overseas cash withdrawal request, wherein the overseas cash withdrawal request is related to an overseas ATM device, and the interface identification data is used to be input into the overseas ATM device; (B) when the cross-border interface service unit receives an overseas ATM device from the overseas ATM device, the cross-border interface service unit transmits an interface identification data corresponding to the cross-border interface service unit to the mobile device of the cash withdrawal party according to the overseas cash withdrawal request. (c) when the cross-border interface servo unit determines whether the withdrawal request data to be confirmed meets a requirement validity condition based on the pending withdrawal request data transmitted by the external servo system according to the interface identification data; (d) when the cross-border interface servo unit determines that the withdrawal request data to be confirmed meets the requirement validity condition, it transmits a transaction approval notice corresponding to the withdrawal request data to the external servo system, wherein the transaction approval notice is used to control the overseas ATM to output cash, thereby completing a cross-border withdrawal transaction corresponding to the user account.

In some embodiments of the cross-border withdrawal operation method of the present invention, in step (A), after receiving the overseas withdrawal request, the operation service unit further generates and transmits a comparison reference data to the cross-border interface service unit, wherein the comparison reference data includes designated device data corresponding to the overseas ATM device. In step (B), the cross-border interface service unit determines whether the withdrawal request data to be confirmed meets the validity conditions of the request by comparing the withdrawal request data to be confirmed transmitted by the external servo system with the comparison reference data. If the comparison result is consistent, it is determined that the withdrawal request data to be confirmed meets the validity conditions of the request; if the comparison result is inconsistent, it is determined that the withdrawal request data to be confirmed does not meet the validity conditions of the request.

In some implementations of the cross-border withdrawal operation method of the present invention, in step (B), the cross-border interface server unit transmits an overseas verification request to the operation server unit when it determines that the withdrawal request data to be confirmed meets the validity conditions of the request. The cross-border cash withdrawal operation method further includes, after step (B): (D) after receiving the overseas verification request, the operation service unit generates a one-time verification code based on the overseas verification request and provides the one-time verification code to the mobile device of the cash withdrawal party, wherein the one-time verification code is used to be input into the overseas ATM device; (E) when the operation service unit obtains a pending verification input code input into the overseas ATM device and corresponding to the one-time verification code, the operation service unit determines whether the pending verification input code is consistent with the one-time verification code, and if the judgment result is yes, transmits a verification success notification corresponding to the overseas verification request to the cross-border interface service unit. In step (C), the cross-border interface server unit transmits the transaction approval notification to the external server system only when it determines that the withdrawal request data to be confirmed meets the validity conditions of the request and receives the verification success notification.

In some embodiments of the cross-border cash withdrawal method of the present invention, in step (D), the operation service unit provides the one-time verification code to the cash withdrawal party's mobile device in the form of an application push.

In some embodiments of the cross-border cash withdrawal method of the present invention, in step (A), the overseas cash withdrawal request includes designated device data corresponding to the overseas ATM device, the designated device data is obtained by the withdrawing party's mobile device by scanning a barcode data displayed by the overseas ATM device, and the designated device data includes designated device location data indicating the installation location of the overseas ATM device. The cross-border withdrawal operation method further includes, after step (A): (F) the operation service unit obtains withdrawal location data indicating the current location of the withdrawal mobile device from the withdrawal mobile device, determines whether the withdrawal location data matches the designated device location data, and transmits a verification success notification corresponding to the overseas withdrawal request to the cross-border interface service unit if it is determined that the withdrawal location data matches the designated device location data. In step (C), the cross-border interface service unit transmits the transaction approval notification to the external server system only if it determines that the withdrawal request data to be confirmed meets the request validity conditions and receives the verification success notification.

The utility of the present invention is that the cross-border cash withdrawal system enables users to complete cardless cash withdrawals abroad using the withdrawal party's mobile device, thereby further improving the convenience of cross-border cash withdrawal services.

Before the present invention is described in detail, it should be noted that, unless otherwise specified, the term "electrically connected" as used in this patent specification is used to describe the "coupled" relationship between computer hardware (e.g., electronic systems, devices, apparatuses, units, components), and generally refers to "wired electrical connections" achieved by physically connecting multiple computer hardware components to each other through conductive/semiconductor materials, as well as "radio connections" achieved by wireless data transmission using wireless communication technologies (such as, but not limited to, wireless networks, Bluetooth, and electromagnetic induction). On the other hand, unless otherwise specified, the "electrical connection" described in this patent specification also generally refers to a "direct electrical connection" achieved by directly coupling multiple computer hardware components to each other, and an "indirect electrical connection" achieved by indirectly coupling multiple computer hardware components through other computer hardware components.

Before describing the present invention in detail, it should be noted that the term "unit" in this patent specification refers to computer hardware, not software. For example, a "processing unit" is used to represent computer hardware with data processing capabilities. On the other hand, a "unit" in this patent specification can refer to a single piece of computer hardware with a specific function or a group of computer hardware with similar functions. For example, a "servo unit" can refer to a single processor with data processing capabilities, but it can also refer to a group of processors.

Referring to FIG. 1 , an embodiment of a cross-border (international) cash withdrawal system 1 of the present invention is suitable for use in conjunction with a cash withdrawal mobile device 2 , an overseas ATM device 3 , and an external server system 4 .

The cross-border cash withdrawal system 1 includes a cross-border interface server unit 11 and an operation server unit 12 electrically connected to the cross-border interface server unit 11. The cross-border interface server unit 11 is adapted to be electrically connected to the external server system 4 via a network, and the operation server unit 12 is adapted to be electrically connected to the withdrawal party's mobile device 2 via a network.

The cross-border interface server unit 11 can be implemented as a single server device or as multiple electrically connected server devices. Similarly, the operation server unit 12 can be implemented as a single server device or as multiple electrically connected server devices. In the application environment of this embodiment, the cross-border interface server unit 11 is managed by, for example, a cross-border financial business management agency 110, while the operation server unit 12 is managed by, for example, a domestic financial institution 120 (e.g., a domestic commercial bank), but this is not limiting.

The operation server unit 12 stores a cross-border withdrawal service list L and an interface identification data D corresponding to the cross-border interface server unit 11. The cross-border withdrawal service list L, for example, includes multiple activated account data, each of which corresponds to a user account belonging to a customer who has activated the cross-border withdrawal service at the domestic financial institution 120. The interface identification data D is an identification code (e.g., but not limited to, a six-digit number) that uniquely corresponds to the cross-border interface server unit 11 and is used to identify the cross-border interface server unit 11, which is equivalent to identifying the cross-border financial business management agency 110.

The withdrawer's mobile device 2, for example, is a smartphone and belongs to a user 20 who has a financial account opened with the domestic financial institution 120. The withdrawer's mobile device 2, for example, is installed with a client application P (e.g., an online banking application) issued by the domestic financial institution 120. By running the client application P, the withdrawer's mobile device 2 can establish an electrical connection with the operation server unit 12. Furthermore, within the operating environment of the client application P, the withdrawer's mobile device 2 can log into the operation server unit 12 using a user account based on operations performed by the user 20. This user account corresponds to the financial account opened by the user 20 with the domestic financial institution 120.

The offshore ATM device 3 is an ATM located overseas (i.e., in another country) and has a cash withdrawal service function. The offshore ATM device 3 is managed by an offshore financial institution 30, which can be, for example, an offshore commercial bank.

The external servo system 4 is, for example, located overseas (e.g., in the country where the overseas ATM device 3 is located) and is electrically connected to the overseas ATM device 3 via a network. In one application environment of this embodiment, the external servo system 4 includes, for example, a first overseas servo unit electrically connected to the overseas ATM device 3 via a network, and a second overseas servo unit (not shown) electrically connected to the first overseas servo unit via a network, and the second overseas servo unit is electrically connected to the operation servo unit 12 via a network. The first overseas servo unit is, for example, managed by the overseas financial institution 30, and the second overseas servo unit is, for example, managed by an overseas information technology service provider (not shown). However, the communication method between the first overseas servo unit and the second overseas servo unit is not critical, and is merely one possible application environment for this embodiment. Therefore, the following will only use the external servo system 4 to assist in explaining the operation of this embodiment, and will no longer mention the first external servo unit and the second external servo unit.

In a practical implementation of this embodiment, the cross-border cash withdrawal system 1 may include multiple operation server units 12 electrically connected to the cross-border interface server unit 11. Furthermore, the cross-border cash withdrawal system 1 can be used in conjunction with multiple cash withdrawal mobile devices 2, multiple overseas ATM machines 3, and multiple external server systems 4.

This embodiment enables users to complete cross-border cardless cash withdrawals using their mobile devices. Referring to Figures 1, 2, and 3, assume that user 20 is located overseas and wishes to withdraw cash from an overseas ATM machine 3 using their mobile device 2. The following describes, by way of example, how the cross-border withdrawal system 1 of this embodiment implements a cross-border withdrawal method.

First, in step S1, when the operation service unit 12 is logged in by the withdrawal party's mobile device 2 with a user account, when the operation service unit 12 receives cross-border withdrawal reservation data from the withdrawal party's mobile device 2 and indicating the user account, the operation service unit 12 determines whether the cross-border withdrawal reservation data matches one of the activated account data in the cross-border withdrawal service list L, thereby confirming whether the user account is an account that has activated the cross-border withdrawal service.

In this embodiment, the cross-border withdrawal reservation data includes, for example, account identification information corresponding to the user account (e.g., account number), a country code indicating the region from which the user 20 wishes to withdraw funds, and a designated withdrawal amount indicating the amount the user 20 wishes to withdraw. Furthermore, the operation server unit 12 determines whether the cross-border withdrawal reservation data matches one of the activated account data in the cross-border withdrawal service list L by, for example, determining whether the account identification information in the cross-border withdrawal reservation data matches one of the activated account data.

Specifically, the user 20 can operate the withdrawing mobile device 2 to run the client application P and log in to the operation server unit 12 with the user account, and then operate a cross-border withdrawal interface in the client application P (for example, selecting a country and entering the amount to be withdrawn), thereby causing the withdrawing mobile device 2 to generate and transmit the cross-border withdrawal reservation data to the operation server unit 12.

For ease of explanation, it is assumed that the operation server unit 12 determines that the cross-border withdrawal reservation information does match the information of one of the activated accounts in the cross-border withdrawal service list L, that is, confirms that the user account has been activated for the cross-border withdrawal service. In this case, the process proceeds to step S2.

In step S2, the operation server unit 12 controls the cash withdrawal mobile device 2 to switch to a barcode scanning mode in the running environment of the client application P, so that the cash withdrawal mobile device 2 can scan the barcode with its own camera. Then, the process proceeds to step S3.

In step S3, when the operation service unit 12 is logged in by the withdrawal party's mobile device 2 with the user account, when the operation service unit 12 receives an overseas withdrawal request from the withdrawal party's mobile device 2, the operation service unit 12 transmits the interface identification data D to the withdrawal party's mobile device 2 according to the overseas withdrawal request, so that the withdrawal party's mobile device 2 displays the interface identification data D for the user 20 to browse.

In this embodiment, the overseas withdrawal request includes designated device data corresponding to the overseas ATM device 3. Furthermore, the designated device data is obtained from the overseas ATM device 3 by the withdrawing mobile device 2 in response to an operation by the user 20. More specifically, when the overseas ATM device 3 is switched to a cross-border mobile withdrawal mode by the user 20, the overseas ATM device 3 displays a barcode indicating the designated device data. The barcode data may be, for example, a two-dimensional barcode. Furthermore, when the withdrawing mobile device 2 is in the barcode scanning mode, the user 20 operates the device to scan the barcode data displayed by the overseas ATM device 3 to obtain the designated device data. For the operation server unit 12, the overseas withdrawal request is equivalent to a request to conduct a cross-border withdrawal transaction with the balance of the user account as the withdrawal source.

In this embodiment, the designated device data includes a transaction serial number and designated device location data. The transaction serial number is, for example, a unique string randomly generated by the overseas ATM device 3, consisting of, for example, thirteen characters. The designated device location data is a latitude and longitude coordinate indicating the location of the overseas ATM device 3.

To further explain, when the overseas ATM device 3 is in the cross-border mobile withdrawal mode, the overseas ATM device 3 also displays an access code input field for the user 20 to enter the identification code of the financial business regulatory agency of the user's country (in this embodiment, the identification code of the cross-border financial business regulatory agency 110). In other words, the operation server unit 12 transmits the access identification data D to the withdrawal party mobile device 2 so that the user 20 can use the access identification data D as an access code and enter it into the overseas ATM device 3.

After the operation server unit 12 transmits the interface identification data D to the withdrawal party's mobile device 2 for display, the process proceeds to step S4.

In step S4, the operation service unit 12 generates comparison-based data and transmits the comparison-based data and the cross-border withdrawal reservation data to the cross-border interface service unit 11. In this embodiment, the comparison-based data includes the designated device data and the interface identification data D. However, in other embodiments, the operation service unit 12 may directly transmit the designated device data as the comparison-based data to the cross-border interface service unit 11. Therefore, the actual form of the comparison-based data is not limited to this embodiment.

After the operation server unit 12 transmits the comparison basis data and the cross-border withdrawal reservation data to the cross-border interface server unit 11, the process proceeds to step S5.

In step S5, when the cross-border intermediary service unit 11 receives the comparison reference data and the cross-border withdrawal reservation data transmitted by the operation service unit 12, the cross-border intermediary service unit 11 stores the comparison reference data and the cross-border withdrawal reservation data. Then, the process proceeds to step S6.

In step S6, when the cross-border interface servo unit 11 receives a withdrawal request data to be confirmed from the external servo system 4, the cross-border interface servo unit 11 determines whether the withdrawal request data to be confirmed meets a requirement validity condition. Specifically, the way in which the cross-border interface servo unit 11 determines whether the withdrawal request data to be confirmed meets the requirement validity condition is to compare whether the withdrawal request data to be confirmed transmitted by the external servo system 4 is consistent with the comparison reference data transmitted by the operation servo unit 12. If the comparison result is consistent, the cross-border interface servo unit 11 determines that the withdrawal request data to be confirmed meets the requirement validity condition. On the contrary, if the comparison result is inconsistent, the cross-border interface servo unit 11 determines that the withdrawal request data to be confirmed does not meet the requirement validity condition.

It should be noted that after the overseas ATM device 3 receives the interface identification code input by the user 20, the overseas ATM device 3 transmits the input interface identification code and the designated device data to the external server system 4. Furthermore, when the external server system 4 receives the interface identification code and the designated device data transmitted by the overseas ATM device 3, if the interface identification code input by the user 20 is correct (i.e., it matches the interface identification data D), the external server system 4 can identify the interface identification code as indicating the cross-border interface server unit 11 based on the interface identification code. Next, the external server system 4 generates the pending withdrawal request data including the interface identification code and the designated device data. Based on the interface identification code, the external server system 4 designates the cross-border interface server unit 11 as the target for transmitting the pending withdrawal request data, thereby transmitting the pending withdrawal request data to the cross-border interface server unit 11. Thus, the pending withdrawal request data is transmitted from the external server system 4 to the cross-border interface server unit 11 based on the interface identification data D.

If the cross-border interface service unit 11 determines that the withdrawal request data to be confirmed meets the requirement validity conditions, the process proceeds to step S7. If the cross-border interface service unit 11 determines that the withdrawal request data to be confirmed does not meet the requirement validity conditions, the process proceeds to step S14.

In step S7, following step S6, once the cross-border intermediary service unit 11 determines that the withdrawal request data to be confirmed meets the request validity conditions, the cross-border intermediary service unit 11 transmits an overseas verification request corresponding to the comparison reference data to the operation service unit 12. Simultaneously, the cross-border intermediary service unit 11 also transmits the cross-border withdrawal reservation data to the external server system 4, thereby providing the external server system 4 with information about the withdrawal transaction intended by the user 20.

In the application environment of this embodiment, when the external servo system 4 receives the cross-border withdrawal reservation data transmitted by the cross-border interface servo unit 11, the external servo system 4 will store the cross-border withdrawal reservation data and control the overseas ATM device 3 to display a verification code input field for the user 20 to enter a verification code.

After the cross-border interface server unit 11 transmits the overseas verification request to the operation server unit 12 and transmits the verification code reception notification to the external server system 4, the process proceeds to step S8.

In step S8, when the operation service unit 12 receives the overseas verification request transmitted by the cross-border interface service unit 11, the operation service unit 12 generates a one-time password (OTP) based on the overseas verification request and provides the OTP to the withdrawal mobile device 2 for display on the withdrawal mobile device 2. The OTP is used by the user 20 to enter it into the overseas ATM device 3.

It's worth noting that in this embodiment, the operation server unit 12 transmits the one-time verification code to the withdrawal mobile device 2 via the client application P installed on the withdrawal mobile device 2 in the form of an application push notification. This ensures that the withdrawal mobile device 2 receives the one-time verification code only after successfully logging into the operation server unit 12 with the user account. Compared to alternative embodiments that provide the one-time verification code via text message, this embodiment ensures that the user 20 must first successfully log into the operation server unit 12 with the user account on the withdrawal mobile device 2 before receiving the one-time verification code. In other words, in this embodiment, the user 20 cannot obtain the verification code simply by unlocking the withdrawal mobile device 2 and reading the text message. Therefore, the method of providing the one-time verification code to the withdrawal mobile device 2 in this embodiment complies with the Two-Factor Authentication (2FA) mechanism, further strengthening the reliability of the OTP verification mechanism.

After the operation server unit 12 provides the one-time verification code to the withdrawal party's mobile device 2, the process proceeds to step S9.

In step S9, when the cross-border interfacing servo unit 11 receives a verification input code input into the offshore ATM device 3 and corresponding to the cross-border withdrawal reservation data from the external servo system 4, the cross-border interfacing servo unit 11 transmits the verification input code to the operation servo unit 12.

Specifically, in the application environment of this embodiment, when the overseas ATM device 3 receives the verification input code manually input by the user 20, the overseas ATM device 3 transmits the verification input code to the external server system 4. When the external server system 4 receives the verification input code transmitted by the overseas ATM device 3, it transmits the verification input code, the designated device data, and the interface identification code to the cross-border interface server unit 11. The cross-border interface server unit 11 then determines, based on the designated device data and the interface identification code, that the verification input code corresponds to the cross-border withdrawal reservation data.

After the cross-border interface server unit 11 transmits the input code to be verified transmitted by the external server system 4 to the operation server unit 12, the process proceeds to step S10.

In step S10, when the operation servo unit 12 receives the input code to be verified transmitted by the cross-border interface servo unit 11, the operation servo unit 12 compares the input code to be verified with the one-time verification code provided to the withdrawal party's mobile device 2, and determines whether the input code to be verified matches the one-time verification code.

If the operation servo unit 12 determines that the input code to be verified matches the one-time verification code, the process proceeds to step S11. If the operation servo unit 12 determines that the input code to be verified does not match the one-time verification code, the process proceeds to step S15.

In step S11 following step S10, the operation server unit 12 obtains a withdrawer location data from the withdrawer mobile device 2 and determines whether the withdrawer location data matches the designated device location data.

Specifically, the withdrawal party location data is, for example, another latitude and longitude coordinate, indicating the current location of the withdrawal party's mobile device 2. If the operation servo unit 12 determines that the distance between the location indicated by the withdrawal party location data and the location indicated by the designated device location data is less than or equal to a predetermined distance threshold, the operation servo unit 12 determines that the withdrawal party location data matches the designated device location data. Conversely, if the operation servo unit 12 determines that the distance between the location indicated by the withdrawal party location data and the location indicated by the designated device location data is greater than the predetermined distance threshold, the operation servo unit 12 determines that the withdrawal party location data does not match the designated device location data.

In one embodiment, the predetermined distance threshold may be set to, for example, several to several dozen meters to ensure that the current location of the cash withdrawal mobile device 2 is near the location of the overseas ATM device 3. However, in a different embodiment, the predetermined distance threshold may also be set to, for example, several to several dozen kilometers to ensure that the cash withdrawal mobile device 2 and the overseas ATM device 3 are located in the same area.

If the operation servo unit 12 determines that the withdrawal location data matches the designated device location data, the process proceeds to step S12. If the operation servo unit 12 determines that the withdrawal location data does not match the designated device location data, the process proceeds to step S15.

In step S12, following step S11, once the operation server unit 12 determines that the verification input code matches the one-time verification code (step S10) and the withdrawal party's location data matches the designated device's location data (step S11), the operation server unit 12 transmits a verification success notification corresponding to the overseas verification request to the cross-border interface server unit 11. The process then proceeds to step S13.

In step S13, when the cross-border interfacing service unit 11 receives the verification success notification sent by the operation service unit 12, the cross-border interfacing service unit 11 sends a transaction approval notification corresponding to the pending withdrawal request data to the external server system 4 according to the verification success notification.

In the application environment of this embodiment, when the external server system 4 receives the transaction approval notification transmitted by the cross-border interface server unit 11, the external server system 4 controls the overseas ATM device 3 to output cash matching the specified withdrawal amount based on the cross-border withdrawal reservation information, thereby completing a cross-border withdrawal transaction based on the balance in the user's account. In other words, the transaction approval notification is used by the external server system 4 to control the overseas ATM device 3 to output cash, thereby completing the cross-border withdrawal transaction.

Specifically, in this embodiment, the cross-border interface server unit 11 only transmits the transaction approval notification to the external server system 4 after determining that the pending withdrawal request data meets the required validity conditions and receiving the verification success notification from the operation server unit 12. This significantly reduces the risk of fraudulent cross-border withdrawal transactions.

In step S14 following step S6, once the cross-border interface servo unit 11 determines that the withdrawal request data to be confirmed does not meet the validity conditions of the request, the cross-border interface servo unit 11, for example, transmits a request invalidation notification to the external servo system 4 and the operation servo unit 12, so that the external servo system 4 controls the overseas ATM device 3 to display a transaction failure message based on the request invalidation notification, and the operation servo unit 12 transmits an overseas withdrawal failure notification to the withdrawing party's mobile device 2 for display based on the request invalidation notification.

In step S15 following step S10 or step S11, once the operation servo unit 12 determines that the input code to be verified does not match the one-time verification code, or determines that the withdrawal party location data does not match the designated device location data, the operation servo unit 12, for example, transmits a verification failure notification to the withdrawal party mobile device 2 and the cross-border interface servo unit 11, so that the withdrawal party mobile device 2 displays the verification failure notification, and the cross-border interface servo unit 11 transmits a transaction rejection notification to the external server system 4 based on the verification failure notification.

The above is an example of how the cross-border withdrawal operation system 1 of this embodiment implements the cross-border withdrawal operation method.

It should be noted that, in some embodiments, the cross-border withdrawal method may include step S10 but not step S11. In other embodiments, the cross-border withdrawal method may include step S11 but not step S10.

Steps S1 to S15 of this embodiment and the flowchart in FIG2 are merely intended to illustrate one possible implementation of the cross-border withdrawal method of the present invention. It should be understood that even if steps S1 to S15 are combined, split, or reordered, if the resulting process performs similar functions in a similar manner and achieves similar results compared to the present embodiment, it still constitutes a possible implementation of the cross-border withdrawal method of the present invention. Therefore, steps S1 to S15 of this embodiment and the flowchart in FIG2 are not intended to limit the scope of implementation of the present invention.

In summary, by implementing the cross-border withdrawal operation method, the cross-border withdrawal operation system 1 enables the user 20 to complete cardless cash withdrawals abroad using the withdrawal party mobile device 2, thereby further improving the convenience of cross-border withdrawal services, and thus can indeed achieve the purpose of this invention.

However, the above description is merely an example of the present invention and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made within the scope of the patent application and the contents of the patent specification of the present invention are still within the scope of the present patent.

1. Cross-border cash withdrawal operation system 11. Cross-border interface server unit 12. Operation server unit L. Cross-border cash withdrawal service list D. Interface identification data 2. Cash withdrawal party's mobile device P. Client application 3. Overseas ATM machine 4. External server system 110. Cross-border financial business management authority 120. Domestic financial institutions 20. User 30·········· Overseas Financial Institutions S1-S15··········· Steps

Other features and functions of the present invention are clearly illustrated in the accompanying drawings, wherein: Figure 1 is a block diagram illustrating an embodiment of the cross-border cash withdrawal system of the present invention, including a withdrawer's mobile device, an offshore ATM device, and an external server system suitable for use with the embodiment; Figure 2 is a portion of a flow chart illustrating how the embodiment implements a cross-border cash withdrawal method; and Figure 3 is another portion of the flow chart illustrating how the embodiment implements the cross-border cash withdrawal method.

1: Cross-border withdrawal system

11: Cross-border interface service unit

12: Operation servo unit

L: Cross-border withdrawal service list

D: Intermediary identification data

2: Mobile device of the withdrawal party

P: Client application

3: Overseas ATM devices

4: External servo system

110: Cross-border financial business management agency

120: Domestic financial institutions

20: User

30: Overseas financial institutions

Claims (8)

A cross-border cash withdrawal system is adapted to operate in conjunction with a cash withdrawal mobile device and an external server system electrically connected to an offshore automated teller machine. The system comprises: a cross-border interface server unit electrically connected to the external server system; and an operation server unit electrically connected to the cross-border interface server unit and adapted to electrically connect to the cash withdrawal mobile device. The operation service unit is configured to, upon receiving an overseas withdrawal request from the withdrawal mobile device, transmit, based on the overseas withdrawal request, interface identification data corresponding to the cross-border interface service unit to the withdrawal mobile device, generate and transmit matching reference data to the cross-border interface service unit, when the withdrawal mobile device is logged in using a user account, wherein the overseas withdrawal request is associated with an overseas ATM device, the interface identification data is intended to be input into the overseas ATM device, and the matching reference data includes designated device data corresponding to the overseas ATM device. The cross-border interface servo unit is used to determine whether the pending confirmation withdrawal demand data meets a requirement validity condition when receiving the pending confirmation withdrawal demand data transmitted by the external servo system based on the interface identification data. The method for the cross-border interface servo unit to determine whether the pending confirmation withdrawal demand data meets the requirement validity condition includes comparing whether the pending confirmation withdrawal demand data transmitted by the external servo system is consistent with the comparison reference data, and determining whether the pending confirmation withdrawal demand data is consistent if the comparison result is consistent. If the comparison result is a mismatch, the pending withdrawal request data is determined to not meet the validity conditions. If the pending withdrawal request data is determined to meet the validity conditions, a transaction approval notification corresponding to the pending withdrawal request data is transmitted to the external server system. The transaction approval notification is used to control the overseas ATM to output cash, thereby completing a cross-border withdrawal transaction corresponding to the user account. The cross-border cash withdrawal system of claim 1, wherein: The cross-border interface server unit is further configured to transmit an overseas verification request to the operation server unit upon determining that the withdrawal request data to be confirmed meets the validity conditions of the request; The operation server unit is further configured to, upon receiving the overseas verification request, generate a one-time verification code based on the overseas verification request and provide the one-time verification code to the withdrawal party's mobile device, wherein the one-time verification code is configured to be input into the overseas ATM device; The operation server unit is further configured to, upon receiving a pending verification input code corresponding to the one-time verification code entered into the overseas ATM device, determine whether the pending verification input code matches the one-time verification code and, if so, transmit a verification success notification corresponding to the overseas verification request to the cross-border interface server unit. The cross-border interface server unit transmits the transaction approval notification to the external server system only after determining that the pending withdrawal request data meets the request validity conditions and receiving the verification success notification. In the cross-border cash withdrawal operation system as described in claim 2, the operation service unit provides the one-time verification code to the withdrawing party's mobile device in the form of an application push. The cross-border cash withdrawal system of claim 1, wherein: The overseas cash withdrawal request includes designated device data corresponding to the overseas ATM device, the designated device data being obtained by the withdrawing party's mobile device by scanning a barcode displayed by the overseas ATM device, and the designated device data including designated device location data indicating the location of the overseas ATM device; The operation server unit is further configured to obtain withdrawal location data indicating the current location of the withdrawal mobile device from the withdrawal mobile device, determine whether the withdrawal location data matches the designated device location data, and, if the withdrawal location data matches the designated device location data, transmit a verification success notification corresponding to the overseas withdrawal request to the cross-border interface server unit. The cross-border interface server unit transmits the transaction approval notification to the external server system only if it determines that the withdrawal request data to be confirmed meets the request validity conditions and receives the verification success notification. A cross-border cash withdrawal method is implemented by a cross-border cash withdrawal system. The cross-border cash withdrawal system is adapted to cooperate with a mobile device of the cash withdrawal party and an external servo system. The external servo system is electrically connected to an overseas automated teller machine. The cross-border cash withdrawal system includes a cross-border interface servo unit adapted to electrically connect to the external servo system, and an operation servo unit electrically connected to the cross-border interface servo unit and adapted to electrically connect to the mobile device of the cash withdrawal party. The cross-border cash withdrawal method comprises: (A) When the operation service unit is logged in by the withdrawal party's mobile device using a user account, upon receiving an overseas withdrawal request from the withdrawal party's mobile device, the operation service unit transmits, based on the overseas withdrawal request, an interface identification data corresponding to the cross-border interface service unit to the withdrawal party's mobile device, and further generates and transmits a matching reference data to the cross-border interface service unit, wherein the overseas withdrawal request is associated with an overseas ATM device, the interface identification data is for input into the overseas ATM device, and the matching reference data includes a designated device data corresponding to the overseas ATM device; (B) When the cross-border interface service unit receives pending withdrawal request data transmitted by the external service system based on the interface identification data, the cross-border interface service unit determines whether the pending withdrawal request data satisfies a requirement validity condition, wherein the cross-border interface service unit determines whether the pending withdrawal request data satisfies the requirement validity condition by comparing the pending withdrawal request data transmitted by the external service system with the comparison reference data. If the comparison result is consistent, the pending withdrawal request data is determined to satisfy the requirement validity condition; if the comparison result is inconsistent, the pending withdrawal request data is determined to not satisfy the requirement validity condition; and (C) If the cross-border interface server unit determines that the pending withdrawal request data meets the validity conditions, it transmits a transaction approval notification corresponding to the pending withdrawal request data to the external server system, wherein the transaction approval notification is used to control the overseas ATM to output cash, thereby completing a cross-border withdrawal transaction corresponding to the user account. The cross-border withdrawal operation method as described in claim 5, wherein: In step (B), the cross-border interface service unit transmits an overseas verification request to the operation service unit if the withdrawal request data to be confirmed meets the validity conditions of the request; The cross-border withdrawal operation method further includes, after step (B): (D) after receiving the overseas verification request, the operation service unit generates a one-time verification code based on the overseas verification request and provides the one-time verification code to the withdrawal party's mobile device, wherein the one-time verification code is used to be input into the overseas ATM device; and (E) When the operation server unit receives a pending verification input code entered into the offshore ATM device and corresponding to the one-time verification code, the operation server unit determines whether the pending verification input code matches the one-time verification code. If so, the operation server unit transmits a verification success notification corresponding to the offshore verification request to the cross-border interface server unit. In step (C), the cross-border interface server unit transmits the transaction approval notification to the external server system only after determining that the pending withdrawal request data meets the request validity conditions and receiving the verification success notification. The cross-border cash withdrawal method as described in claim 6, wherein, in step (D), the operation service unit provides the one-time verification code to the withdrawing party's mobile device in the form of an application push. The cross-border cash withdrawal method of claim 5, wherein: In step (A), the overseas cash withdrawal request includes designated device data corresponding to the overseas ATM device, the designated device data being obtained by the withdrawing party's mobile device by scanning a barcode displayed by the overseas ATM device, and the designated device data including designated device location data indicating the location of the overseas ATM device; The cross-border withdrawal operation method further includes, after step (A): (F) the operation service unit obtaining withdrawal location data indicating the current location of the withdrawal mobile device from the withdrawal mobile device, determining whether the withdrawal location data matches the designated device location data, and, if the withdrawal location data matches the designated device location data, transmitting a verification success notification corresponding to the overseas withdrawal request to the cross-border interface service unit; and In step (C), the cross-border interface service unit transmits the transaction approval notification to the external server system only if it determines that the withdrawal request data to be confirmed meets the request validity conditions and receives the verification success notification.