TWM606794U - Withdrawal operating system for mobile device - Google Patents

Abstract

A mobile device cash withdrawal operation system, comprising: at least one mobile device, provided with a near field communication device (NFC) and at least one network for information transmission, and installed with a mobile identification (T-FIDO) certificate application; at least one Online banking, with at least one online banking system and providing the mobile device to log in to the online banking system and generate a QRcode and a transaction password based on personal data; at least one ATM ( ATM), equipped with a quick response matrix code scanning device and a short-range wireless communication sensor device, through the short-range wireless communication device of the mobile device to activate the automatic teller machine and display an automatic teller machine operating interface; , After confirming through the mobile device and dual personal identity, there is no need to touch the ATM to withdraw cash from the ATM.

Description

Mobile device withdrawal operating system

This creation is related to a withdrawal operation system, which refers to a mobile device withdrawal operation system.

The ATMs placed in common banks or supermarkets must insert the card through the ATM card and touch the screen or buttons to receive cash from the ATM. However, the spread of viruses that endanger human life is mainly based on contact transmission. The main reason is that to withdraw cash from the cash machine, you must touch the screen or buttons and touch the area around the cash machine. If the user does not have the hands clean and inadvertently touch the mouth, nose and eyes, it is easy to be invaded by viruses. The operating system must actually touch and control the cash machine, and the verification is only through a single password authentication, and the cash machine cannot be activated in a contactless manner, resulting in inconvenience, unsanitary and safety that cannot be improved, making it practical Sex is greatly reduced, this is where the industry and consumers are eager to break through.

In order to solve the above-mentioned shortcomings of the existing technology, the main purpose of this creation is to provide a mobile device withdrawal operation system, using mobile devices with short-distance wireless communication devices, online banking with an online banking system, automatic withdrawal The machine is equipped with a quick response matrix code scanning device and a short-range wireless communication sensor device to overcome the difficulties in the prior art.

The secondary purpose of this creation is to provide a mobile device withdrawal operating system, which uses a mobile device equipped with a short-range wireless communication device and a mobile identification certificate application, and obtains a quick response matrix code and the Transaction password to provide the ATM to confirm the withdrawal of cash from the ATM.

Another purpose of this creation is to provide a cash withdrawal operating system for mobile devices, which can effectively improve its convenience and safety, avoid contact with the cash dispenser and reduce virus infection.

The problem that this creation intends to solve is that the cash machine must be operated by inserting the card and touching the screen or button with the hand to receive the cash from the cash machine. The user has to touch the screen or button and touch the withdrawal Around the machine, inadvertently touching the mouth, nose and eyes, it is easy to be invaded by viruses. The ATM authentication only uses a single password authentication, and the ATM cannot be activated in a contactless manner, resulting in inconvenience, unsanitary and safety Upgrading makes its practicality greatly compromised.

The technical means to solve the problem, in order to achieve the above purpose, the author provides a mobile device withdrawal operation system, which is characterized by including: at least one mobile device, which is equipped with a Near Field Communication (NFC) And provide users with at least one network information transmission, the mobile device is installed with a mobile identity (Taiwan-Fast Identity Online, T-FIDO) certification application, through the user’s biometric authentication to confirm the user’s identity, the user Use the mobile identification certificate of the government certificate by entering an email and a mobile device number; at least one online bank has at least one online banking system and provides the user’s mobile device to log in through the network In the online banking system, the online bank generates a Quick Response Code (QRcode) and a transaction password back to the user based on the personal data of the user’s mobile device registered to and from the online bank The mobile device of the person; At least one Automated Teller Machine (ATM) is equipped with a quick response matrix code scanning device and a short-range wireless communication sensor device, and the automatic teller machine is activated through the short-range wireless communication device of the mobile device , The mobile device also displays an ATM operating interface, the ATM operating interface includes at least one withdrawal of cash and one withdrawal of cash amount; thereby, the mobile device and the mobile identification certificated by the government The certificate confirms the user’s personal information and identity and the transaction password sent by the online bank to the mobile device. After the double personal identity is confirmed, the user does not need to touch the ATM to withdraw the ATM Banknotes in cash.

Among them, the mobile device of this creation is a smart phone or a tablet.

Among them, the personal data registered in this online bank is the user ID number and birthday to confirm user identity and withdrawal amount.

Among them, the process steps for the creation of the mobile device to log in to the online bank: (1) The mobile device logs in to the online bank; (2) Enter the user ID number, birthday and withdrawal amount; (3) Generate a quick response matrix QR-CODE; (4) NFC to activate ATM judgment; if not, go back to the aforementioned step (1) the mobile device to log in to online banking, if yes, go to the next step; (5) T-FIDO Judgment of personal certificate confirmation; if not, go back to the aforementioned step (1) to log in to the online banking on the mobile device; if yes, go to the next step; (6) judge whether the mobile device provides transaction password confirmation; if not, then Go back to the aforementioned step (1) to log in to the online banking with the mobile device; if yes, proceed to the next step; (7) Withdraw funds to complete the transaction.

Among them, the author of the quick response matrix code (QR-CODE) generation process (PYTHON) steps: (1) Enter the quick response matrix code module; (2) Generate the quick response matrix code module, which is generated by entering the ID number, birthday and withdrawal amount to generate the quick response matrix code; (3) Enter the number to achieve Restrict the QR-CODE size; (4) Store the QR-CODE module, and then enter the step (1) to enter the QR-CODE module.

Among them, the steps of the authoring mobile identity online (Taiwan-Fast Identity Online, T-FIDO) certificate process: (1) start (START); (2) download and install the Taiwan-Fast Identity Online (T-FIDO) app; (3) Credential login and fill in the registration information page; (4) Generate QRcode; (5) Scan QRcode; (6) Perform biometric verification judgment; if yes, enter Next step; if not, use the natural person certificate to log in and enter the email, mobile phone number, and enter the step (2) to download and install the Taiwan mobile identification certificate application (T-FIDO APP); (7) register success.

Among them, the steps of the creation of the Near Field Communication (NFC) process: (1) start; (2) enter the near field communication module; (3) generate the communication link signal of the near field communication device; (4) ) Judgment of signal generation; if yes, proceed to the next step; if not, proceed to the entry into the short-range wireless communication module of the aforementioned step (2); (5) Establishing a short-range wireless communication module; (6) Judging whether the short-range wireless communication connection is normal, if not, proceed to the previous step (2) to enter the short-range wireless communication module; if yes, proceed to the next step ; (7) Reading data through short-range wireless communication.

In contrast to the effects of the prior art, the mobile device is equipped with a short-distance wireless communication device, the online bank is equipped with an online banking system, and the ATM is equipped with the quick response matrix code (QR-CODE) Scanning device and the NFC sensing device; and then it is achieved that the mobile device 1 is equipped with the NFC and the mobile identification (T-FIDO) voucher application, by logging in the The online banking obtains the QR-Code and the transaction password from the mobile device to provide the ATM to confirm the withdrawal of the cash from the ATM; effectively improve it Easy to use, safe, avoid contact with the cash dispenser and reduce virus infection, meet the needs of progress, practicality and users, which shows its benefits.

1: mobile device

11: Near-field wireless communication device

12: Internet

13: Quick response matrix code

14: Transaction password

15: ATM operation interface

151: Withdraw cash

152: Cash withdrawal amount

2: online banking

21: Online banking system

3: ATM

31: Fast response matrix image code scanning device

32: Near-field wireless communication sensor device

4: Mobile identification certificate application

40: Mobile ID Certificate

41: Email

42: mobile device number

The first picture: the three-dimensional diagram of the cash withdrawal operating system for this creative mobile device.

The second picture: This is a step-by-step diagram of the process of logging into the online bank for this creative action.

The third figure: This is a step diagram of the QR-CODE generation process (PYTHON) for this creation.

Figure 4: This is a step diagram of the creation of Taiwan-Fast Identity Online (T-FIDO) voucher process.

Figure 5: This is a flow chart of the creation of a Near Field Communication (NFC) device.

Figure 6: This is an example drawing of an automatic teller machine with a mobile device.

This creation is hereby combined with the accompanying drawings, and is described in detail in the form of embodiment as follows, and the schematics used in the text are only for illustrative and auxiliary manual purposes, and may not be the true proportions and accuracy of the creation after implementation Therefore, it should not limit the scope of the patent creation in actual implementation on the basis of the ratio and configuration relationship of the attached drawings, and shall be stated first.

Please refer to the first and second, third, fourth, fifth and sixth pictures, which are the three-dimensional diagrams of the withdrawal operating system for this creative mobile device, and this creative mobile device is logged into the online bank The process step diagram of this creation, the quick response matrix code (QR-CODE) generation process (PYTHON) step diagram, the creation action identification (Taiwan-Fast Identity Online, T-FIDO) voucher process step diagram, this creation recent From the wireless communication device (Near Field Communication, NFC) process step diagram and the embodiment diagram of the mobile device to withdraw the automatic teller machine in this creation, the mobile device withdrawal operation system of this creation in a preferred embodiment has its characteristics Yes, it includes: at least one mobile device 1, at least one online bank 2, at least one automatic teller machine 3.

The aforementioned at least one mobile device 1 (as shown in the first figure) is provided with a Near Field Communication (NFC) device 11, and provides users with information transmission through at least one network 12; the mobile device 1 Install a mobile identity online (Taiwan-Fast Identity Online, T-FIDO) certificate application 4, which confirms the user’s identity through the user’s biometric authentication. The user can use it by entering an email 41 and a mobile device number 42 The mobile identification certificate 40 is a government certificate; in this embodiment, the mobile device 1 is a smart phone or a tablet, but the creation is not limited by this.

The aforementioned at least one online banking 2 (as shown in the first figure) is provided with at least one online banking system 21 and provides the mobile device 1 for the user to log in to the online banking system 21 through the network 12 The information registered in the online banking 2 is the ID number and birthday of the user’s personal data to confirm the user’s identity and withdrawal amount, but does not limit this creation. The online banking 2 is based on the user’s The mobile device 1 registers the personal data to and from the online bank 2 to generate a Quick Response Code 13 (QRcode) and a transaction password 14 to return to the mobile device 1 of the user.

The aforementioned at least one Automated Teller Machine 3 (ATM) (as shown in the first figure) is provided with a QR-CODE scanning device 31 and a Near Field Communication (NFC) The sensor device 32 activates the automatic teller machine (ATM) 3 through the short-range wireless communication device 11 of the mobile device 1, and the mobile device 1 displays an automatic teller machine operating interface 15, the automatic teller machine operating interface 15 contains at least one withdrawal cash 151 and withdrawal cash amount 152, but does not limit this creation. By clicking on the withdrawal cash 151 and inputting the withdrawal cash amount 152, the T-FIDO government verifies that The mobile identification certificate 40 confirms the user’s personal data and identity and the transaction password 14 sent by the online bank 2 to the mobile device 1. After the dual personal identity is confirmed, the automatic teller machine 3 (Auto Teller Machine , ATM) cash for cash; that is, this creation provides users with no need to touch the automatic teller machine 3 to withdraw the automatic teller machine (ATM) through the mobile device 1 and the near field communication device (NFC) 11 3 Cash that dispenses money (as shown in the sixth picture).

(As shown in the second figure) The flow chart of this creative mobile device logging into the online banking 2 is: (1) The mobile device logs into the online banking; (2) Enter the user ID number and birthday and withdrawal amount; 3) Generate QR-CODE; (4) Determine whether to activate ATM by NFC; if not, go back to the aforementioned step (1) to log in to the online banking on the mobile device, if yes, go to the next process Steps; (5) T-FIDO personal certificate confirmation, if not, go back to the previous steps (1) The mobile device logs in to the Internet Banking; if yes, go to the next step; (6) The mobile device provides the determination of the transaction password confirmation; if not, it returns to the mobile device in the previous step (1) to log in to the Internet Bank; if yes, proceed to the next step; (7) Withdraw funds to complete the transaction.

(As shown in the third figure) The creation of QR-CODE 13 generation process (PYTHON) steps: (1) Enter the import qrcode module (import qrcode module), the purpose is to enter QR -CODE module; (2) Generate QR-CODE module, which can generate QR-CODE by entering ID number, birthday and withdrawal amount; (3) Input number to achieve restriction and quick response matrix Code (QR-CODE) size; (4) Store the quick response matrix code module, and then enter the quick response matrix code module (import qrcode module) in the previous step (1).

(As shown in the fourth figure) The 40 process steps for creating the Taiwan-Fast Identity Online (T-FIDO) certificate: (1) Start (START); (2) Download and install the Taiwan-Fast Identity Online (T-FIDO) certificate application Program (T-FIDO APP); (3) Credential login, fill in the registration information page, log in with natural person credentials, enter email and mobile phone number (optional); (4) Generate quick response matrix code (generate QRcode); (5) ) Scan QRcode; (6) Perform biometric verification judgment, if yes, go to the next step; if not, go to the previous step (2) to download and install the Taiwan mobile identification certificate application (T-FIDO APP); (7) Successful registration.

(As shown in Figure 5) 11 process steps for making a Near Field Communication (NFC) device: (1) Start (START); (2) Enter the Near Field Communication module (Import nfc module); (3) Generate the communication link signal of the short-range wireless communication device; (4) Determine the signal generation; if yes, go to the next step; if not, go to the previous step (2) Entering the NFC module (import nfc module); (5) Establishing the NFC module; (6) Judging whether the NFC connection is normal (judgment whether the tag is equal to the error, TAG=FALSE), if not, proceed to the access to the near-field communication module (Import nfc module) of the previous step (2); if yes, proceed to the next step; (7) read the data through near-field communication.

In this way, this creation uses the mobile device 1 with a short-range wireless communication device 11, the online bank 2 with an online banking system 21, and the automatic teller machine 3 with the QR-CODE ) Scanning device 31 and the Near Field Communication (NFC) sensing device 32; and then achieve the use of the mobile device 1 with the Near Field Communication device 11 (NFC) and the mobile identification (T-FIDO) certificate application 4. Obtain the QR-Code and transaction password 14 from the mobile device 1 by logging in to the online bank 2 to provide the ATM 3 to confirm the withdrawal of the ATM 3 (ATM) Cash for cash; effectively improve its convenience and safety, avoid contact with the automatic teller machine 3 and reduce virus infection, which meets the needs of progress, practicality and users, and shows its benefits.

Looking at the above, it can be seen that this creation has indeed achieved the desired enhancement effect under the breakthrough of the previous technical structure, and it is not easy to think about by those who are familiar with the art. Moreover, this creation has not been published before the application. Progressiveness and practicability show that it meets the requirements of the creation patent application. I filed a creation application in accordance with the law, and I implore your office to approve this creation patent application to encourage creation, and it is very convenient.

The above-mentioned embodiments are only to illustrate the technical ideas and characteristics of this creation, and their purpose is to enable those who are familiar with this art to understand the content of this creation and implement them accordingly. When it cannot be used to limit the scope of patents of this creation, That is to say, all equal changes or modifications made in accordance with the spirit of this creation should still be covered by the scope of the patent of this creation.

1: mobile device

11: Near-field wireless communication device

12: Internet

13: Quick response matrix code

14: Transaction password

15: ATM operation interface

151: Withdraw cash

152: Cash withdrawal amount

2: online banking

21: Online banking system

3: ATM

31: Fast response matrix image code scanning device

32: Near-field wireless communication sensor device

4: Mobile identification certificate application

40: Mobile ID Certificate

41: Email

42: mobile device number

Claims (7)

A mobile device cash withdrawal operation system, which is characterized by including: At least one mobile device is equipped with a Near Field Communication (NFC) and provides users with at least one network information transmission. The mobile device is equipped with a mobile identity (Taiwan-Fast Identity Online, T-FIDO) ) The certificate application program confirms the user's identity through the user's biometric verification, and the user uses the mobile identification certificate of the government certificate by entering an email and a mobile device number; At least one online banking system is provided with at least one online banking system and the mobile device of the user is provided to log in to the online banking system through the network, and the online banking is registered according to the mobile device of the user The personal data of the online bank generates a Quick Response Code (QRcode) and a transaction password and returns it to the mobile device of the user; At least one automatic teller machine (Automated Teller Machine, ATM) is provided with a quick response matrix code scanning device and a short-range wireless communication sensor device, and the automatic teller machine is activated through the short-range wireless communication device of the mobile device , The mobile device also displays an automatic teller machine operation interface, the automatic teller machine operation interface includes at least one withdrawal of cash and one withdrawal of cash amount; With this, through the mobile device and the mobile identification certificate issued by the government, the user's personal data and identity and the transaction password sent to the mobile device by the online bank are confirmed. After the dual personal identity is confirmed, the user is provided There is no need to touch the cash dispenser to withdraw cash from the cash dispenser. According to the mobile device cash withdrawal operating system described in the first item of the scope of patent application, the mobile device is a smart phone or a tablet. For example, the mobile device withdrawal operation system described in the first item of the patent application, wherein the personal data registered in the online bank is the user ID number and birthday to confirm the user's identity and withdrawal amount. For example, the mobile device cash withdrawal operating system described in the first item of the scope of patent application, wherein the process steps for the mobile device to log in to the online bank: (1) Log in to online banking with a mobile device; (2) Enter the user ID number, birthday and withdrawal amount; (3) Generate QR-CODE; (4) The judgment of NFC to activate the ATM; if not, go back to the aforementioned step (1) to log in to the online banking with the mobile device, if yes, go to the next step; (5) The judgment of T-FIDO personal certificate confirmation; if not, go back to the aforementioned step (1) to log in to the online banking with the mobile device; if yes, go to the next step; (6) The mobile device provides the judgment of the transaction password confirmation; if not, then go back to the aforementioned step (1) to log in to the online banking with the mobile device; if yes, go to the next step; (7) Withdraw funds to complete the transaction. For example, the mobile device withdrawal operation system described in item 1 of the scope of patent application, wherein the quick response matrix code (QR-CODE) generation process (PYTHON) steps: (1) Enter the quick response matrix graphic code module; (2) Generate a quick response matrix code module, which generates a quick response matrix code by inputting the ID number, birthday and withdrawal amount; (3) Enter the number to reach the limit of the quick response matrix code size; (4) Save the quick response matrix code module, and then enter the quick response matrix code module in the previous step (1). For example, the mobile device cash withdrawal operating system described in item 1 of the scope of patent application, wherein the steps of the Taiwan-Fast Identity Online (T-FIDO) certificate process are: (1) Start (START); (2) Download and install the Taiwan mobile identification certificate application (T-FIDO APP); (3) Credential login and fill in the registration information page; (4) Generate quick response matrix code (QRcode); (5) Scan the QRcode of quick response matrix; (6) Perform biometric verification judgment; if yes, go to the next step; if no, use natural person credentials to log in and enter email, mobile phone number, and go to step (2) to download and install Taiwan mobile identity recognition Certificate application (T-FIDO APP); (7) The registration is successful. According to the mobile device cash withdrawal operation system described in item 1 of the scope of patent application, the process steps of the Near Field Communication (NFC) are: (1) Start; (2) Enter the short-range wireless communication module; (3) Generate the communication link signal of the short-range wireless communication device; (4) Judgment of signal generation; if yes, go to the next step; if not, go to the previous step (2) to enter the short-range wireless communication module; (5) Establish a short-range wireless communication module; (6) Judge whether the short-range wireless communication connection is normal, if not, proceed to the aforementioned step (2) to enter the short-range wireless communication module; if yes, proceed to the next step; (7) Reading data through short-range wireless communication.

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