CN103942896A - System for money withdrawing without card on ATM - Google Patents
System for money withdrawing without card on ATM Download PDFInfo
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- CN103942896A CN103942896A CN201410166669.8A CN201410166669A CN103942896A CN 103942896 A CN103942896 A CN 103942896A CN 201410166669 A CN201410166669 A CN 201410166669A CN 103942896 A CN103942896 A CN 103942896A
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Abstract
The invention provides a system for money withdrawing without a card on an ATM. The system comprises a mobile terminal, a background server and the ATM, wherein the mobile terminal is connected with the background server through a mobile internet, sends money withdrawing request information to the background server and generates a money withdrawing two-dimension code label according to money withdrawing record information sent by the background server; the money withdrawing record information is generated according to the money withdrawing request information; the ATM comprises a two-dimension code scanning module and a two-dimension code analyzing module, can scan and analyze the two-dimension code label generated by the mobile terminal and can send the analyzed two-dimension code label to the background server; the ATM is connected with the background server through a bank intranet; the background server receives the information sent by the mobile terminal and the ATM to process the information, and sends out a note outlet instruction to the ATM according to an information processing result. By the adoption of the technical scheme, cash withdrawing of various personal financing accounts on the ATM is achieved through the mobile terminal, and operation is convenient to carry out for a user.
Description
Technical field
The present invention relates to the bank ATM system of withdrawing the money, be specifically related to a kind of system of withdrawing the money without card that realizes by mobile terminal in ATM.
Background technology
At present, user withdraws the money by ATM, must first insert bank card, the operation of just withdrawing the money.But along with the fast development of network finance and mobile Internet, each big bank has all released the Internet bank and Mobile banking and finance product thereof, and third party's payment platform is widely used as the Alipay that Taobao releases, simultaneously as precious in remaining sum and logical grade of financing of emerging network way to manage money favored by user also deeply.Can predict, to more and more be stored in network individual account (the network finance product that remaining sum treasured, logical, the each big bank of financing release) at following user's money, and mobile-phone payment also will replace the payment of paying in cash and swipe the card gradually, therefore, in the near future, the frequency of utilization of bank card even can completely need not fewer and feweri.Under prior art means, user by mobile terminal transfer accounts remittance very convenient, adopt a kind of safe and reliable technical scheme by mobile terminal realize ATM without card enchashment will be next step developing direction.
For ensureing user account safety, existing ATM is all access bank in-house network, although allow ATM accessing Internet make to become simply without card enchashment, be taking sacrificing security as cost.And under existing ATM mode, user withdraws the money and first network individual account's money is proceeded to bank card, just can go ATM to withdraw the money, this has caused very big inconvenience to the user under the network finance epoch.
Therefore, for the above-mentioned defect existing in currently available technology, be necessary to study in fact, so that a kind of scheme to be provided, solve the defect existing in prior art.
Summary of the invention
In order to overcome the defect of above-mentioned prior art, the invention provides a kind of nothing that realizes by mobile terminal and block the system of withdrawing the money on ATM machine, thereby can realize the deposit on network individual account directly by ATM enchashment.
The problem existing for solving prior art, technical scheme of the present invention is:
In ATM, realize a system of withdrawing the money without card, comprise mobile terminal, background server and ATM cash dispenser, wherein,
Described mobile terminal is connected with background server by mobile Internet, sends the withdrawl deposit record Information generation of withdrawing the money solicited message and can send according to the described background server two-dimension code label of withdrawing the money to background server; The solicited message of withdrawing the money described in described withdrawl deposit record information basis generates;
Described ATM cash dispenser comprises Quick Response Code scan module and Quick Response Code parsing module, can scan and resolve the two-dimension code label that mobile terminal generates, and sends to background server; Described ATM cash dispenser is connected by bank's in-house network with described background server;
The information that described background server mobile terminal receive and ATM cash dispenser send over, carries out information processing, and sends note output instruction according to information processing result to described ATM cash dispenser.
Preferably, described background server also comprises encryption and decryption module, and described encryption and decryption module is encrypted to the solicited message of withdrawing the money sending from mobile terminal the withdrawl deposit record information that generates, and the information sending from ATM cash dispenser is decrypted to operation.
Preferably, the encryption key that described encryption and decryption module adopts is the random random number generating of background server.
Preferably, described Quick Response Code scan module is camera module.
Preferably, described mobile terminal is smart mobile phone.
Compared with prior art, beneficial effect of the present invention is as follows: realize various management of personal money accounts directly enchashment in ATM by mobile terminal, and user-friendly.
Brief description of the drawings
Fig. 1 is the theory diagram that the embodiment of the present invention realizes the system of withdrawing the money without card in ATM;
Fig. 2 is the workflow diagram that the embodiment of the present invention realizes the system of withdrawing the money without card in ATM.
Embodiment
In order to make object of the present invention, technical scheme and advantage clearer, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
On the contrary, the present invention contain any defined by claim in marrow of the present invention and scope, make substitute, amendment, equivalent system and scheme.Further, for the public is had a better understanding to the present invention, in below details of the present invention being described, detailed some specific detail sections of having described.Do not have for a person skilled in the art the description of these detail sections can understand the present invention completely yet.
Referring to Fig. 1, be depicted as and realize the embodiment of the present invention and in ATM, realize the theory diagram without the card system of withdrawing the money, comprise mobile terminal, background server and there is Quick Response Code identification module ATM cash dispenser, wherein,
Mobile terminal is connected with background server by mobile Internet, sends the withdrawl deposit record Information generation two-dimension code label of withdrawing the money of withdrawing the money solicited message and sending according to background server to background server;
ATM cash dispenser comprises Quick Response Code scan module and Quick Response Code parsing module, can scan and identify the two-dimension code label that mobile terminal generates, and is connected with background server by bank's in-house network;
The information that background server mobile terminal receive and ATM cash dispenser send over, carries out information processing, and sends note output instruction according to information processing result to ATM cash dispenser.
The ATM of the embodiment of the present invention communicates by bank's Intranet and background server, the mobile terminal of the embodiment of the present invention be can running client software smart mobile phone, communicate by mobile Internet and background server.Background server cuts off outer net and directly accesses bank's in-house network, thereby has ensured the security of ATM.
The Quick Response Code scan module of the ATM of the embodiment of the present invention is common camera module.
Every ATM has unique identifying number, and ATM information at least comprises ATM identification number; ATM can scan and resolve the two-dimension code label that mobile terminal generates, and the algorithm that generates two-dimension code label in mobile terminal is corresponding with the algorithm of resolving two-dimension code label in ATM.The information of withdrawing the money and ATM information after resolving are sent to background server by ATM, background server data handling procedure is, whether the withdrawl deposit record information that judges original generation is consistent with the two-dimension code label information after deciphering, if consistent, determine bank under this ATM according to ATM information again, complete after authentication and financial accounting with bank under this ATM, determine whether to ratify the request of withdrawing the money, if approval sends note output instruction to this ATM.ATM receives after note output instruction, carries out note output operation, and sends out the paper money operation signal that runs succeeded to background server; Accordingly, background server sends and withdraws the money into function signal to mobile terminal.
In order to ensure customer transaction safety, a kind of preferred implementation of the present invention, background server also comprises encryption and decryption module, and described encryption and decryption module is encrypted to the solicited message of withdrawing the money sending from mobile terminal the withdrawl deposit record information that generates, and the information sending from ATM cash dispenser is decrypted to operation.
Withdrawl deposit record information is that background server generates by cryptographic algorithm according to encryption key, and every withdrawl deposit record information has unique identification number, and identification number is non-encrypted information.Encryption key is the random number that background server produces in the time generating withdrawl deposit record information, and this random number is stored in background server after binding with the identification number of the withdrawl deposit record information generating, and encryption key is random generation, and anyone cannot obtain.Accordingly, when background server is received the information of withdrawing the money of ATM transmission, determine corresponding encryption key according to the identification number of this withdrawl deposit record information, the two-dimension code label information after decipherment algorithm obtains deciphering, the cryptographic algorithm of background server is corresponding with decipherment algorithm.Adopt after this technological means, the solicited message of withdrawing the money of the same content that same mobile terminal sends, the withdrawl deposit record information that background server generates is different, because its encryption key difference, and encryption key is random generation, only be stored in server, anyone cannot obtain, thereby has ensured the security of transaction.
In a kind of preferred implementation of the present invention, the cryptographic operation that encrypting module is carried out comprises but is not only confined to symmetric key encryption algorithm, public key encryption algorithm, hash algorithm etc.Typical symmetric key encryption algorithm comprises but is not only confined to AES-128 algorithm, AES-256 algorithm, DES algorithm and triple DES algorithm etc.Hash cryptographic algorithm comprises but is not only confined to SHA-1 algorithm, SHA-2 algorithm, SHA-3 algorithm and MD5 algorithm etc.Public key encryption comprises but is not only confined to Diffie-Hellman algorithm, RSA Algorithm, DSA algorithm and ECC algorithm etc.
Referring to Fig. 2, be depicted as the embodiment of the present invention and in ATM, realize without the workflow diagram that blocks the system of withdrawing the money, comprise the steps: in step S1, mobile terminal sends to background server the solicited message of withdrawing the money by mobile Internet; In step S2, background server generates corresponding withdrawl deposit record information according to the solicited message of withdrawing the money, and withdrawl deposit record information is sent to mobile terminal; In step S3, the withdrawl deposit record Information generation two-dimension code label that the client software on mobile terminal sends according to background server; In step S4, the two-dimension code label that ATM scanning mobile terminal generates, and this two-dimension code label information and this ATM information are sent to background server; In step S5, background server carries out data processing; In step S6, background server sends note output instruction to corresponding ATM; In step S7, ATM is carried out note output operation after receiving note output instruction.
In step S1, running of mobile terminal personal account client is also logined personal account, and personal account is management of personal money storage account, has unique identifying number; Personal account client can be Mobile banking of each big bank, third party's payment platform or network financing account; Personal account client possesses user's login, account management, two-dimension code label generation, the functions such as request transmission of withdrawing the money.The request function of withdrawing the money refers to background server and sends the solicited message of withdrawing the money; Two-dimension code label systematic function refers to the withdrawl deposit record Information generation two-dimension code label sending according to background server.
The solicited message of withdrawing the money at least comprises the withdraw the money amount of money and the real-time time of personal account identification number, user's input; Real-time time is for the operation moment of recording user.Use mobile terminal while withdrawing the money, user first inputs account number cipher login personal account client software, sends the solicited message of withdrawing the money to background server after inputting the suitable amount of money; Withdrawl deposit record information at least comprises withdraw the money solicited message and identification number.
The present invention can, in the situation that ensureing transaction security, withdraw the money without bank card on ATM realizes, and has facilitated client.
The foregoing is only preferred embodiment of the present invention, not in order to limit the present invention, all any amendments of doing within the spirit and principles in the present invention, be equal to and replace and improvement etc., within all should being included in protection scope of the present invention.
Claims (5)
1. in ATM, realize a system of withdrawing the money without card, it is characterized in that, comprise mobile terminal, background server and ATM cash dispenser, wherein,
Described mobile terminal is connected with background server by mobile Internet, sends the withdrawl deposit record Information generation of withdrawing the money solicited message and can send according to the described background server two-dimension code label of withdrawing the money to background server; The solicited message of withdrawing the money described in described withdrawl deposit record information basis generates;
Described ATM cash dispenser comprises Quick Response Code scan module and Quick Response Code parsing module, can scan and resolve the two-dimension code label that mobile terminal generates, and sends to background server; Described ATM cash dispenser is connected by bank's in-house network with described background server;
The information that described background server mobile terminal receive and ATM cash dispenser send over, carries out information processing, and sends note output instruction according to information processing result to described ATM cash dispenser.
2. the system of withdrawing the money without card that realizes in ATM according to claim 1, it is characterized in that, described background server also comprises encryption and decryption module, described encryption and decryption module is encrypted to the solicited message of withdrawing the money sending from mobile terminal the withdrawl deposit record information that generates, and the information sending from ATM cash dispenser is decrypted to operation.
3. the system of withdrawing the money without card that realizes in ATM according to claim 2, is characterized in that, the encryption key that described encryption and decryption module adopts is the random random number generating of background server.
4. the system of withdrawing the money without card that realizes in ATM according to claim 1 and 2, is characterized in that, described Quick Response Code scan module is camera module.
5. the system of withdrawing the money without card that realizes in ATM according to claim 1 and 2, is characterized in that, described mobile terminal is smart mobile phone.
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| CN201410166669.8A CN103942896B (en) | 2014-04-23 | 2014-04-23 | System for realizing cardless withdrawal on ATM |
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| CN201410166669.8A CN103942896B (en) | 2014-04-23 | 2014-04-23 | System for realizing cardless withdrawal on ATM |
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Cited By (13)
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| CN104269000A (en) * | 2014-10-21 | 2015-01-07 | 中国建设银行股份有限公司 | Medium-free cash business processing method and system |
| CN104680361A (en) * | 2015-02-05 | 2015-06-03 | 王钧 | Enchashment method and system based on third-party platform |
| CN104809827A (en) * | 2015-05-23 | 2015-07-29 | 张萍 | Cash depositing and withdrawing system based on Internet of things |
| CN105488922A (en) * | 2015-12-30 | 2016-04-13 | 中国建设银行股份有限公司 | Cardless money withdrawing method and related devices and systems |
| CN105741102A (en) * | 2014-12-07 | 2016-07-06 | 联芯科技有限公司 | Cash withdrawal system and cash withdrawal method |
| CN106980966A (en) * | 2015-12-07 | 2017-07-25 | 澧达科技股份有限公司 | Use the point of sale of off line formula third-party payment system |
| CN106991769A (en) * | 2017-05-22 | 2017-07-28 | 滁州学院 | A kind of withdrawal system based on Quick Response Code |
| CN107393213A (en) * | 2017-06-29 | 2017-11-24 | 台山市金讯互联网络科技有限公司 | A kind of method withdrawn the money without card |
| CN109448271A (en) * | 2018-09-03 | 2019-03-08 | 深圳壹账通智能科技有限公司 | A kind of no card withdrawal method, computer readable storage medium and server |
| CN111752462A (en) * | 2020-06-24 | 2020-10-09 | 捷普电子(新加坡)公司 | Target equipment control method, device and system, mobile terminal and storage medium |
| CN112767617A (en) * | 2021-01-13 | 2021-05-07 | 广东奔腾达电子有限公司 | Card-free automatic teller machine utilizing mobile terminal and identity card multiple identification |
| CN113971553A (en) * | 2021-10-28 | 2022-01-25 | 中国银行股份有限公司 | Remittance method, bank background system and bank client |
| CN115050147A (en) * | 2022-05-07 | 2022-09-13 | 中国银行股份有限公司 | Service processing method, device and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104269000A (en) * | 2014-10-21 | 2015-01-07 | 中国建设银行股份有限公司 | Medium-free cash business processing method and system |
| CN105741102A (en) * | 2014-12-07 | 2016-07-06 | 联芯科技有限公司 | Cash withdrawal system and cash withdrawal method |
| CN104680361B (en) * | 2015-02-05 | 2018-05-15 | 王钧 | A kind of enchashment method and system based on third-party platform |
| CN104680361A (en) * | 2015-02-05 | 2015-06-03 | 王钧 | Enchashment method and system based on third-party platform |
| CN104809827A (en) * | 2015-05-23 | 2015-07-29 | 张萍 | Cash depositing and withdrawing system based on Internet of things |
| CN106980966A (en) * | 2015-12-07 | 2017-07-25 | 澧达科技股份有限公司 | Use the point of sale of off line formula third-party payment system |
| CN105488922A (en) * | 2015-12-30 | 2016-04-13 | 中国建设银行股份有限公司 | Cardless money withdrawing method and related devices and systems |
| CN106991769A (en) * | 2017-05-22 | 2017-07-28 | 滁州学院 | A kind of withdrawal system based on Quick Response Code |
| CN107393213A (en) * | 2017-06-29 | 2017-11-24 | 台山市金讯互联网络科技有限公司 | A kind of method withdrawn the money without card |
| CN109448271A (en) * | 2018-09-03 | 2019-03-08 | 深圳壹账通智能科技有限公司 | A kind of no card withdrawal method, computer readable storage medium and server |
| CN111752462A (en) * | 2020-06-24 | 2020-10-09 | 捷普电子(新加坡)公司 | Target equipment control method, device and system, mobile terminal and storage medium |
| CN112767617A (en) * | 2021-01-13 | 2021-05-07 | 广东奔腾达电子有限公司 | Card-free automatic teller machine utilizing mobile terminal and identity card multiple identification |
| CN113971553A (en) * | 2021-10-28 | 2022-01-25 | 中国银行股份有限公司 | Remittance method, bank background system and bank client |
| CN115050147A (en) * | 2022-05-07 | 2022-09-13 | 中国银行股份有限公司 | Service processing method, device and storage medium |
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Application publication date: 20140723 Assignee: Hangzhou Charles Electronic Technology Co., Ltd. Assignor: Hangzhou Electronic Science and Technology Univ Contract record no.: 2018330000072 Denomination of invention: System for money withdrawing without card on ATM Granted publication date: 20170104 License type: Common License Record date: 20180613 |