TWM641361U - Nfc sensing entity atm transaction system - Google Patents

Abstract

A NFC sensing entity ATM transaction system, which is 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 entity ATM transaction system

The present invention relates to an entity ATM transaction system, and in particular to an NFC sensing entity ATM transaction system.

Currently, when using a physical automatic teller machine (ATM), users need to insert their financial card into the ATM and perform password verification before proceeding with subsequent financial transactions.

Modern people usually have more than one financial account, and it is always inconvenient to carry all financial cards with them.

This new creation provides an NFC sensing entity ATM transaction system, which does not require the user to carry a financial card to the ATM machine for operation, and can improve the user experience of the user.

A near-field communication (Near-field communication, NFC) sensing entity automatic teller machine (automatic teller machine, ATM) transaction system created by the present invention is applied to portable electronic devices. The NFC sensing entity ATM transaction system includes a transceiver, storage media and processors. The storage medium is used for storing multiple modules and databases. The processor is coupled to the storage medium and the transceiver, and the processor accesses and executes the added module, sensing module, authentication module, setting module, retrieval module and database stored in the storage medium. The new module is used for the user to input the financial card information of the newly added financial card or for the user to select the financial card information to add a new financial card. The sensing module is electrically connected with the added module, and is used for connecting the sensing module and the ATM through NFC induction communication after the user inserts the added financial card into the ATM machine. The authentication module is electrically connected with the sensor 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 after verification The first authentication information for is stored in the database. The setting module is electrically connected with 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 capturing module is electrically connected with the sensing module and the database respectively, and is used for capturing financial transaction information from the sensing module to the ATM when the user uses the ATM for financial transaction operations.

Based on the above, this new creation provides an NFC sensing entity ATM transaction system. By adding multiple financial cards to the portable electronic device, and communicating with the ATM through NFC technology to perform financial operations, the user does not need to carry financial cards. Card to ATM machine operation can improve user experience.

In order to make the above-mentioned features and advantages of the present disclosure more comprehensible, the following specific embodiments are described in detail together with the accompanying drawings.

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

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

The transceiver 130 transmits and receives signals in a wireless or wired manner. 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 for storing 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 (random access memory, RAM), read-only memory (read-only memory, ROM), flash memory (flash memory) , hard disk drive (hard disk drive, HDD), solid state drive (solid state drive, SSD) or similar components or a combination of the above components, and are used to store multiple modules or various application programs executable by the processor 110 . In one embodiment, the storage medium 120 can store the adding module 1201 , the sensing module 1202 , the authentication module 1203 , the setting module 1204 , the retrieval module 1205 , the transaction module 1206 and the database 1207 .

The processor 110 is, for example, a central processing unit (central processing unit, CPU), or other programmable general purpose or special purpose micro control unit (micro control unit, MCU), microprocessor (microprocessor), digital signal processing Digital Signal Processor (DSP), Programmable Controller, Application Specific Integrated Circuit (ASIC), Graphics Processing Unit (GPU), Image Signal Processor (ISP) ), image processing unit (image processing unit, IPU), arithmetic logic unit (arithmetic logic unit, ALU), complex programmable logic device (complex programmable logic device, CPLD), field programmable logic gate array (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 application programs stored in the storage medium 120 and the new module 1201, the sensing module 1202, the authentication module stored in the storage medium 120 Group 1203 , setting module 1204 , retrieval module 1205 , transaction module 1206 and database 1207 .

The adding module 1201 is used for the user to input the financial card information of the newly added financial card or for the user to select the financial card information to add a new financial card.

The induction module 1202 is electrically connected with the new module 1201, and is used for inserting the newly-added financial card into the ATM machine (not shown in the figure) by the user. The ATM machine has an NFC sensing area, and the ATM machine passes through the NFC sensing area. It is connected with the induction module 1202 through NFC induction communication.

The authentication module 1203 is electrically connected with the sensing module 1202 and the database 1207 respectively, and is used for the user to input the first authentication information in the portable electronic device to verify with the chip card information of the newly added financial card, and will The verified first verification information is stored in the database 1207 .

The setting module 1204 is electrically connected with the authentication module 1203 and the database 1207, and is used for users 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. The transaction verification information may include The biometric information and the first verification information. In one embodiment, the biometric information may be facial feature information, and the first verification information may be a financial card password. In another embodiment, the biometric information can be fingerprint information or palmprint information. The new creation is not limited to this.

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

The transaction module 1206 is electrically connected with the capture module 1205 and the database 1207 respectively, and is used for verifying according to the transaction verification information to perform financial transaction operations, wherein the transaction verification information includes biometric information and first verification information.

In one embodiment, the user can use the biometric information to conduct small-value transactions (such as small-value withdrawals, small-value transfers, etc. below NT$5,000). In another embodiment, the user needs to use the biometric information and the first verification information for secondary verification to perform large-value transactions (such as large-value withdrawals and large-value transfers above NT$5,000, etc.).

The following describes how the user adds a new financial card to the wallet APP in the portable electronic device in conjunction with the embodiment and Fig. 2 to Fig. 5, and how to set up the NFC transaction and execute the NFC transaction. In this embodiment, the portable The electronic device is a mobile phone.

Fig. 2 is a schematic diagram of a newly added financial card according to an embodiment of the invention. FIG. 3 is a schematic diagram of an NFC-enabled transaction according to an embodiment of the novel creation. 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 Fig. 2 to Fig. 5, in the adding "wallet" screen 201, the user can input the financial card information (such as card number and account number and other financial card information) of the financial card to be added, or the user can directly add In the "wallet" screen 201, select the card stored in the previous wallet APP to obtain the information of the financial card to be added, so as to add a financial card.

After adding a financial card, since the NFC transaction has not yet been completed, the user must bring the mobile phone and the physical financial card to the physical ATM machine to perform the operation of enabling the NFC transaction.

After the user inserts the financial card into the ATM machine and enters the first verification information (such as the financial card password or chip card password) in the ATM machine, go to the ATM machine to enable "other services" in the NFC transaction screen 301, 302, 303 or Click "Enable NFC Transaction" in the "Function Settings" option, and log in to the wallet APP of the mobile phone at the same time, and at the same time place the mobile phone in the NFC sensing area of the ATM machine, and the ATM machine is connected to the mobile phone through the NFC sensing area through the NFC sensing area.

The user clicks to agree in the "Enable NFC Transaction" option in the enabling NFC transaction screen 302, and enters the chip card password in the enabling NFC transaction screen 303 for authentication. In the transaction verification screens 401, 402, and 403, the wallet APP First use biometric identification (such as Face ID) to agree to the NFC wireless transmission between the mobile phone and the ATM machine, and enter the same financial card password as the financial card in the mobile wallet APP to verify with the chip of the financial card in the ATM machine. After the verification is consistent, write the financial card password into the virtual financial card in the wallet APP of the mobile phone to complete the NFC transaction.

If the user needs to use the ATM machine to perform NFC transaction operations, the user can go directly to the ATM machine, and select the option of NFC transaction in the NFC transaction screen 501 on the ATM machine screen, and place the mobile phone in the ATM after logging in the wallet APP of the mobile phone In one embodiment, the user can use the biometric identification function (that is, use the biometric information) to perform small-amount transactions (such as small-amount withdrawals and small-amount transfers below NT$5,000). In another embodiment, if the user needs to receive large-value transactions such as cash, transfer, and payment of more than NT$5,000, the biometric function (that is, the use of biometric information) must be used with the wallet APP stored in the mobile phone Only after the second verification of the financial card password of the virtual financial card can the NFC sensing function be used to execute large-value transactions.

Fig. 6 is a flowchart of an NFC sensing entity ATM transaction method according to an embodiment of the present invention.

Please refer to FIG. 6 , in step S601 , the user inputs the financial card information of the newly added financial card or allows the user to select the financial card information to add the financial card.

In step S602, after the user inserts the newly added financial card into the ATM, the portable electronic device is connected to the ATM through NFC sensing.

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

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

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

In step S606, verification is performed according to the transaction verification information, so as to execute financial transaction operations.

In one embodiment, the user can use the biometric function (that is, use the biometric information) to perform small-value transactions (such as small-value withdrawals and small-value transfers below NT$5,000, etc.).

In another embodiment, if the user needs to receive large-value transactions such as cash, transfer, and payment of more than NT$5,000, the biometric function (that is, the use of biometric information) must be used with the wallet APP stored in the mobile phone Only after the second verification of the financial card password of the virtual financial card can the NFC sensing function be used to execute large-value transactions.

Based on the above, this new creation provides an NFC sensing entity ATM transaction system. By adding multiple financial cards to the portable electronic device, and communicating with the ATM through NFC technology to perform financial operations, the user does not need to carry financial cards. Card to ATM machine operation can improve user experience.

Although the present disclosure has been disclosed above with embodiments, it is not intended to limit the present disclosure. Anyone with ordinary knowledge in the technical field may make some changes and modifications without departing from the spirit and scope of the present disclosure. The scope of protection of this disclosure should be defined by the scope of the appended patent application.

10: NFC sensing physical ATM transaction system 110: Processor 120: storage media 130: Transceiver 1201: New module 1202: induction module 1203: authentication module 1204: set module 1205: Capture module 1206: Trading module 1207: database 201: Join the "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 entity 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 invention. FIG. 3 is a schematic diagram of an NFC-enabled transaction according to an embodiment of the novel creation. 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 flowchart of an NFC sensing entity 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: induction module

1203: authentication module

1204: set module

1205: Capture module

1206: Trading module

1207: database

Claims (5)

A near-field communication (Near-field communication, NFC) sensing entity automatic teller machine (automatic teller machine, ATM) transaction system, applied to portable electronic devices, the NFC sensing entity ATM transaction system includes: transceiver; storage media for storing multiple modules and databases; 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, and the modules include: A new module is used for the user to input the financial card information of the newly added financial card or for the user to select the financial card information to add the financial card; The induction module is electrically connected with the added module, and is used for connecting the induction module with the ATM through NFC induction communication after the user inserts the added financial card into the ATM machine; An authentication module is electrically connected to the sensor module and the database respectively, and is used for the user to input first authentication information on the portable electronic device for authentication with the chip card information of the newly added financial card , and store the verified first verification information in the database; A setting module, electrically connected to the authentication module and the database, 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; and The capturing module is electrically connected with the sensor module and the database respectively, and is used for capturing financial transaction information from the ATM machine through the sensor module when the user uses the ATM machine for financial transaction operations. The NFC sensing entity ATM transaction system as described in claim 1, wherein the transaction verification information includes biometric information and the first verification information. The NFC sensing entity ATM transaction system as described in claim item 2, wherein these modules further include: The transaction module is electrically connected with the capture module and the database respectively, and the transaction module is used for verifying according to the biometric information to execute the financial transaction operation. The NFC sensing entity ATM transaction system as described in claim item 1, wherein these modules further include: The transaction module is electrically connected with the retrieval module and the database respectively, and the transaction module is used for verifying according to the transaction verification information to execute the financial transaction operation. The NFC sensing entity 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 through the NFC sensing area via the NFC sensing area.

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