CN104361677B - It is non-to access money method and self-service device - Google Patents
It is non-to access money method and self-service device Download PDFInfo
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Abstract
Money method and self-service device are accessed the embodiment of the invention discloses non-.The method includes：Self-service device points out user input withdraw funds；Receiving the withdraw funds of user input, be put in NFC transaction media self-service device in field strength range by prompting user for the first time, by NFC reader perform first order and second order, first order for select card number carry out it is non-access money conclude the business, second orders for obtaining ARQC；Self-service device points out user input password, and pinblock is generated using card number and password, and ARQC and pinblock are sent into backstage initiates transaction of withdrawing the money；After successfully return of concluding the business, banknote is put into cash dispensing port by self-service device；Self-service device points out user that NFC transaction media are put in the field strength range of NFC reader for the second time, and this non-card number for accessing money transaction is carried out in obtaining NFC transaction media by NFC reader；The note output when the card number that checking gets twice is identical.
Description
Technical field
The present invention relates to communication technical field, money method and self-service device are accessed more specifically to non-.
Background technology
Self-service device is a kind of self-service equipment for being combined with various different financial business functions, using self-service device
The function of being provided completes the financial services such as inquiry, withdrawal.For self-service device, its transaction for accepting most high frequency is exactly to take
Money is concluded the business.
Traditional contactless withdrawal transaction accepts, using non-contacting interface and the transaction flow of Contact Type Ic Card.
During transaction, transaction medium (card or Mobile payment terminal) need to be always held in card reader field strength range, it has not been convenient to
User uses.
And with the fast development of mobile payment, increasing Mobile payment terminal supports NFC (Near Field
Communication, near-field communication) function, NFC Mobile payment terminals are negative using safe unit (SE, Secure Element)
Duty ensures the safety for paying.Additionally, can also use SE in chip bank card.Can will support the core of contactless communication (including SE)
Piece bank card and NFC Mobile payment terminals are referred to as NFC transaction media.
How the hot topic of research conveniently and efficiently is turned into using the NFC transaction media implementation non-money that accesses on self-service device.
The content of the invention
In view of this, the purpose of the embodiment of the present invention be provide it is non-access money method and self-service device, with convenient and swift
Realize non-accessing money.
To achieve the above object, the embodiment of the present invention provides following technical scheme：
First aspect according to embodiments of the present invention, there is provided one kind is non-to access money method, is applied to self-service device and near field
Between communication NFC transaction media, NFC reader is installed on the self-service device；Methods described includes：
Receive user input it is non-access money instruction after, self-service device prompting user input withdraw funds；
The withdraw funds of user input are being received, prompting user puts NFC transaction media to the self-service device for the first time
In in the field strength range of the NFC reader；
When in NFC transaction medium for the first time field strength range in the NFC reader, the self-service device leads to
Cross NFC reader and perform the first order and the second order, first order is at least used to select to be deposited in the NFC transaction medium
The card number of storage carries out the non-money that accesses and concludes the business, and described second orders close for obtaining the authorization requests of the NFC transaction medium generation
Literary ARQC；
The self-service device points out user input password；
After the password for receiving user input, the self-service device generates Crypted password using the card number and password
pinblock；
After user confirms this non-relevant information for accessing money transaction, the self-service device passes ARQC and pinblock
Deliver to backstage and initiate transaction of withdrawing the money；
After successfully return of concluding the business, banknote is put into cash dispensing port by the self-service device；
The self-service device points out for second user that NFC transaction media are put in the field strength range of the NFC reader；
When in NFC transaction second field strength range in the NFC reader of medium, the self-service device leads to
Crossing during NFC reader obtains the NFC transaction medium carries out this non-card number for accessing money transaction；
When it is same card number that the card number that checking gets for the second time is with the card number for getting for the first time, the self-service device
Carry out note output operation.
With reference in a first aspect, in the first possible implementation, the NFC reader performs the first order and second
The step of order, is performed during qPBOC handling processes.
The first possible implementation with reference to first aspect, in second possible implementation, first life
It is SELECT orders to make；Second order is GPO command.
It is described self-service to set in the third possible implementation with reference to second possible implementation of first aspect
Standby to be above also equipped with code keypad, the self-service device generates the pinblock by the code keypad.
A kind of second aspect according to embodiments of the present invention, there is provided self-service device, including NFC reader and processor, its
In：
The processor is used for：
Receive user input it is non-access money instruction after, point out user input withdraw funds；Receiving user input
Withdraw funds, for the first time prompting user by NFC transaction medium be put in the field strength range of the NFC reader；In the NFC
Transaction medium for the first time in the field strength range in the NFC reader when, indicate the NFC reader perform the first order and
Second order, card number of first order at least for selecting to be stored in the NFC transaction medium carries out the non-money that accesses and concludes the business,
Described second orders the authorization requests ciphertext ARQC for obtaining the NFC transaction medium generation；Prompting user input password；
After receiving the password of user input, Crypted password pinblock is generated using the card number and password；Confirm this in user
After the non-relevant information for accessing money transaction, ARQC and pinblock are sent to backstage and initiate transaction of withdrawing the money；Successfully return being concluded the business
Hui Hou, cash dispensing port is put into by banknote, and NFC transaction media are put in second prompting user the field intensity model of the NFC reader
In enclosing；When in NFC transaction second field strength range in the NFC reader of medium, NFC reader is indicated to obtain
This non-card number for accessing money transaction is carried out in the NFC transaction medium；The card number got for the second time in checking and first time
When the card number for getting is same card number, note output operation is carried out.
With reference to second aspect, in the first possible implementation, the step for performing the first order and the second order
Suddenly performed during qPBOC handling processes.
The first possible implementation with reference to second aspect, in second possible implementation, first life
It is SELECT orders to make；Second order is GPO command.
It can be seen that, in embodiments of the present invention, NFC transaction media are put in the field strength range of the NFC reader twice, the
Two orders are interacted between NFC reader and NFC transaction media, second NFC reader obtains the NFC transaction and be situated between
This non-card number for accessing money transaction is carried out in matter, a small amount of order and data interaction is only needed to twice due to this, therefore, NFC
Transaction media processes field strength range in time frame can in Millisecond, and need not as tradition it is non-access money mode like that, need
Order transaction medium need to be always held in card reader field strength range, it is achieved thereby that conveniently and efficiently non-access money.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
The accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, on the premise of not paying creative work, can be with
Other accompanying drawings are obtained according to these accompanying drawings.
Fig. 1 non-accesses money method flow diagram for provided in an embodiment of the present invention；
Fig. 2 is self-service device topology example figure provided in an embodiment of the present invention.
Specific embodiment
To make the purpose, technical scheme and advantage of the embodiment of the present invention clearer, below in conjunction with the embodiment of the present invention
In accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is only
Only it is a part of embodiment of the invention, rather than whole embodiments.Based on the embodiment in the present invention, ordinary skill
The every other embodiment that personnel are obtained under the premise of creative work is not made, belongs to the scope of protection of the invention.
Self-service device is a kind of self-service equipment for being combined with various different financial business functions, using self-service device
The function of being provided completes the financial services such as inquiry, withdrawal.For self-service device, the transaction of its most high frequency for accepting is exactly
Withdraw the money and conclude the business.
Traditional contactless withdrawal transaction accepts, using non-contacting interface and the transaction flow of Contact Type Ic Card.
During transaction, transaction medium (card or Mobile payment terminal) need to be always held in card reader field strength range, it has not been convenient to
User uses.And bring following problem：
● the safety problem of transaction medium
When transaction medium is accepted, transaction medium need to be positioned over and accept on pallet Non-contact Media Reader, rather than suction
It is easily stolen to rob in card reader.
● the stability problem of transaction
Be positioned over it is non-receive reason pallet on transaction medium cannot fixed position, and due to mobile terminal simultaneously be also logical
News instrument, process of exchange is easily disturbed, and transaction stability declines.
● customer experience problem
In process of exchange, transaction medium is immovable.If transaction medium is Mobile payment terminal, visitor in process of exchange
Family cannot have impact on customer experience using other functions of mobile phone.
With the fast development of mobile payment, increasing Mobile payment terminal supports NFC (Near Field
Communication, near-field communication) function, NFC Mobile payment terminals are negative using safe unit (SE, Secure Element)
Duty ensures the safety for paying.SE can be solidificated in NFC chip, it is also possible to be present in as SIM or SD card detachable
In integrated chip.Additionally, can also use SE in chip bank card.
The medium being traded comprising SE, such as chip bank card, NFC Mobile payment terminals etc. can be referred to as
NFC transaction media.How the heat of research conveniently and efficiently is turned into using the NFC transaction media implementation non-money that accesses on self-service device
Door.
The embodiment of the invention provides and non-access money method.The method is applied between self-service device and NFC transaction media,
And need that NFC reader is installed on self-service device.
For ease of understanding, interact angle of the present embodiment first from self-service device and NFC transaction media is cut, and non-is connect to above-mentioned
Withdrawal method is introduced.
The present embodiment provide non-to access money interaction flow as follows：
Step 101, offer " non-to access money " function on self-service device, user need not show card or mobile payment end
End just can entered function.
More specifically, the touch-screen of self-service device can show " non-to access money " option, and user can click on the option, with
Money process of exchange is accessed into non-.User clicks on, and also can be considered that having assigned the non-money that accesses instructs.
Step 102, self-service device requirement user input withdraw funds, point out user to show NFC transaction media and read close to NFC
The induction region of card device.
Supporting the self-service device of contactless transaction has induction region, can be clearly identified on self-service device.
QPBOC (the quick debit/credit noncontacts of standard are performed between step 103, self-service device and NFC transaction medium
Formula pays application) handling process, acquisition carry out this it is non-access the card number that money exchange uses, and obtain ARQC
(Authorization Request Cryptogram, authorization requests ciphertext).
QPBOC has following two features：
A plurality of order is compressed into order as few as possible by ■, to reduce the time of transaction；
The interaction of card and terminal is concentrated and completed by ■, and after card leaves the communication context of card reader, terminal is again
Carry out the analysis of offline data certification, terminal risk management and terminal behavior, and before allowing card to leave Card Reader induction range or
Password Operations are carried out afterwards, make card as short as possible in card reader induction range residence time.
More specifically, self-service device can perform the first order and the second order by NFC reader, wherein, the first order
At least being used to selecting NFC to conclude the business, storing in medium, to carry out this non-accesses the card number of money transaction；Second orders for obtaining
The ARQC of NFC transaction medium generations.
Further, the first order is SELECT orders；Second order is ordered for GPO (Get Processing Options)
Order.
In fact, the PPSE (closely payment system environment) in NFC transaction media can be read with SELECT orders.
Application more than a card can be supported by taking SIM as an example, in NFC SIM, that is to say, that the multiple finance of multiple banks can be stored
IC-card.The content of one PPSE of bank account is determined by credit card issuer, and the PPSE contents of multiple bank accounts are sent out by multiple
Card row determines.Will there is multiple PPSE in a NFC SIM.Specific bank account so may be selected with SELECT orders
The PPSE of (card number).
No matter be it is non-access money or contact withdraw the money, be required for ARQC.How ARQC generates can use existing generating mode,
Therefore not to repeat here.
When in NFC transaction the medium for the first time field strength range in NFC reader, NFC reader and NFC conclude the business medium
Only need to perform above-mentioned two orders in the qPBOC handling processes of execution, time frame is in Millisecond, the medium so NFC concludes the business
Only need to of short duration being put in field strength range.
When NFC transaction media are put in field strength range, self-service device can send a sound of " drop ".This indicates step
S103 is completed.
Step 104, self-service device preserve ARQC and card number, and point out user input password.
After step 105, user input password, self-service device uses card number Crypted password, generates Crypted password
(pinblock)。
In fact, also installing code keypad on self-service device, pinblock is generated by code keypad.
How to generate pinblock can be using existing generating mode, and therefore not to repeat here.
Step 106, self-service device prompting user this non-relevant information for accessing money, after user confirms, by ARQC with
Pinblock is uploaded to backstage and initiates transaction.
More specifically, user can be shown on the touch-screen of self-service device, and this non-accesses the card that money exchange uses
Number, user name, withdraw funds etc..After user's confirmation is errorless, " confirmation " button can be clicked on.
Afterwards, ARQC and pinblock are uploaded to backstage by self-service device.
It is existing mode that how backstage is traded according to ARQC and pinblock, and therefore not to repeat here.
After step 107, successfully return of concluding the business (namely backstage successfully accepts transaction), self-service device prepares note output, by banknote
Cash dispensing port is put into, but cash dispensing port lock is not switched on.
After backstage successfully accepts withdrawal business, self-service device transaction successful message is can return to.Successfully disappear receiving to be concluded the business
After breath, self-service device prepares note output.That is, banknote is put into cash dispensing port, but cash dispensing port lock is not switched on.
Step 108, self-service device prompting user show NFC transaction media close to the induction region of NFC reader again.This
Once to carry out this non-card number for accessing money transaction to again read off, the card number that gets for the second time of checking with for the first time
When the card number for getting is same card number, cash dispensing port lock is opened, and carries out note output operation.
When NFC transaction media are put in field strength range, self-service device can send a sound of " drop ", and this indicates acquisition originally
The secondary non-card number for accessing money transaction has been completed.
Step 109, closing the transaction.
Based on above-mentioned interaction flow, from terms of self-service device angle, then Fig. 1 is referred to, non-performed by it accesses money method
May include following steps：
S1, receive user input it is non-access money instruction after, self-service device prompting user input withdraw funds.
S2, after the withdraw funds for receiving user input, self-service device for the first time prompting user by NFC transaction medium put
In in the field strength range of above-mentioned NFC reader.
S3, above-mentioned NFC transaction medium for the first time in above-mentioned NFC reader field strength range in when, self-service device lead to
Cross NFC reader and perform the first order and the second order.
Above-mentioned first order is at least used to selecting the carrying out stored in above-mentioned NFC transaction medium, and this non-accesses money transaction
Card number, above-mentioned second orders the ARQC for obtaining above-mentioned NFC transaction medium generation.
More specifically, the first order is SELECT orders；Second order is GPO command.
Detail refers to record described previously herein, and therefore not to repeat here.
S4, self-service device prompting user input password.
S5, after the password for receiving user input, self-service device generates Crypted password using above-mentioned card number and password
pinblock；
More specifically, self-service device is to generate above-mentioned pinblock by code keypad.
S6, user confirm this it is non-access money transaction relevant information after, above-mentioned self-service device by ARQC with
Pinblock is sent to backstage and initiates transaction of withdrawing the money；
S7, conclude the business successfully return after, banknote is put into cash dispensing port by self-service device；
S8, self-service device point out for second user that NFC transaction media are put in the field strength range of above-mentioned NFC reader；
S9, in field strength range of the above-mentioned NFC transaction medium second in above-mentioned NFC reader when, self-service device leads to
Crossing during NFC reader obtains NFC transaction media carries out this non-card number for accessing money transaction；
S10, when verifying the card number for getting for the second time and the card number that gets being same card number for the first time, it is self-service to set
It is standby to carry out note output operation.
More specifically, it is the process in qPBOC handling processes that NFC reader performs first and orders the step of being ordered with second
Middle execution.
It can be seen that, in embodiments of the present invention, NFC transaction media are put in the field strength range of the NFC reader twice, the
Two orders are interacted between NFC reader and NFC transaction media, second NFC reader obtains the NFC transaction and be situated between
This non-card number for accessing money transaction is carried out in matter, a small amount of data interaction is only needed to twice due to this, therefore, NFC transaction is situated between
Matter treatment field intensity in the range of time frame can in Millisecond, and need not as tradition it is non-access money mode like that, transaction medium
Need to be always held in card reader field strength range, realize and conveniently and efficiently non-access money.
Non- money method is accessed by what the embodiment of the present invention was provided, it is only necessary to which be put in for NFC transaction media twice by user
In the field strength range of NFC reader, and the time is very of short duration, so being difficult stolen robbing.
Simultaneously as user shows NFC transaction media, especially showing NFC Mobile payment terminals carries out the non-money that accesses
Time is very short, so disturbed probability is also greatly reduced, improves transaction stability.Additionally, just due to showing NFC movements
Payment terminal carries out that the non-time for accessing money is very short, and client it is also possible to use other work(of Mobile payment terminal in process of exchange
Can, improve customer experience.
Correspond to therewith, the embodiment of the present invention is also claimed self-service device.
Self-service device concretely self-help drawing money machine, self-service automatic teller machine etc..
Fig. 2 is referred to, above-mentioned self-service device may include NFC reader 1 and processor 2, wherein：
Processor 2 is used for：
Receive user input it is non-access money instruction after, point out user input withdraw funds；It is defeated user is received
After the withdraw funds for entering, be put in NFC transaction media 3 in the field strength range of above-mentioned NFC reader 1 by prompting user for the first time；
The above-mentioned NFC transaction first times of medium 3 are in when in the field strength range of above-mentioned NFC reader 1, indicate above-mentioned NFC reader 1 to perform
First order and the second order, above-mentioned first order be at least used to selecting it is being stored in above-mentioned NFC transaction medium 3, carry out this
The non-card number for accessing money transaction, above-mentioned second orders for obtaining the authorization requests ciphertext generated by above-mentioned NFC transaction media 3
ARQC；Prompting user input password；After the password for receiving user input, Crypted password is generated using above-mentioned card number and password
pinblock；After user confirms this non-relevant information for accessing money transaction, ARQC and pinblock are sent to backstage hair
Play transaction；After successfully return of concluding the business, banknote is put into cash dispensing port, and be put in for NFC transaction media 3 by second prompting user
State in the field strength range of NFC reader 1；In above-mentioned NFC transaction second field strength range in above-mentioned NFC reader 1 of medium 3
When interior, NFC reader 1 is indicated to carry out this non-card number for accessing money transaction in obtaining above-mentioned NFC transaction medium 3；In checking the
When the secondary card number for getting is same card number with the card number for getting for the first time, note output operation is carried out.
More specifically, the step of order of above-mentioned execution first and the second order is held during qPBOC handling processes
Capable.
Above-mentioned first order is SELECT orders；Above-mentioned second order is GPO command.
Record described previously herein is referred to, therefore not to repeat here.
In other embodiments of the present invention, above-mentioned self-service device may also include code keypad.It is close that processor is additionally operable to instruction
Code key disk generates above-mentioned pinblock.
Each embodiment is described by the way of progressive in this specification, and what each embodiment was stressed is and other
The difference of embodiment, between each embodiment identical similar portion mutually referring to.
The step of method or algorithm for being described with reference to the embodiments described herein, directly can be held with hardware, processor
Capable software module, or the two combination is implemented.Software module can be placed in random access memory (RAM), internal memory, read-only deposit
Reservoir (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technology
In field in known any other form of storage medium.
The foregoing description of the disclosed embodiments, enables professional and technical personnel in the field to realize or uses the present invention.
Various modifications to these embodiments will be apparent for those skilled in the art, as defined herein
General Principle can be realized in other embodiments without departing from the spirit or scope of the present invention.Therefore, the present invention
The embodiments shown herein is not intended to be limited to, and is to fit to and principles disclosed herein and features of novelty phase one
The scope most wide for causing.
Claims (7)
1. one kind is non-accesses money method, it is characterised in that be applied between self-service device and near-field communication NFC transaction media, institute
State and NFC reader is installed on self-service device；Methods described includes：
Receive user input it is non-access money instruction after, self-service device prompting user input withdraw funds；
After the withdraw funds for receiving user input, be put in for NFC transaction media by prompting user for the first time for the self-service device
In the field strength range of the NFC reader；
When in NFC transaction medium for the first time field strength range in the NFC reader, the self-service device passes through
NFC reader performs the first order and the second order, and first order is at least used to select to be stored in the NFC transaction medium
, to carry out this non-accesses the card number of money transaction, described second orders for obtaining the mandate generated by NFC transaction media
Request ciphertext ARQC；
The self-service device points out user input password；
After the password for receiving user input, the self-service device generates Crypted password using the card number and password
pinblock；
After user confirms this non-relevant information for accessing money transaction, the self-service device passes the ARQC and pinblock
Deliver to backstage and initiate transaction of withdrawing the money；
After successfully return of concluding the business, banknote is put into cash dispensing port by the self-service device；
The self-service device points out for second user that NFC transaction media are put in the field strength range of the NFC reader；
When in NFC transaction second field strength range in the NFC reader of medium, the self-service device passes through
NFC reader carries out this non-card number for accessing money transaction in obtaining the NFC transaction medium；
When the card number for verifying the card number for getting for the second time with get for the first time is same card number, the self-service device enters
Row note output is operated.
2. the method for claim 1, it is characterised in that the NFC reader performs the first order and the second order
Step is performed during qPBOC handling processes.
3. method as claimed in claim 2, it is characterised in that first order is SELECT orders；Second order
It is GPO command.
4. method as claimed in claim 3, it is characterised in that be also equipped with code keypad on the self-service device, it is described from
Help equipment to pass through the code keypad and generate the pinblock.
5. a kind of self-service device, it is characterised in that including NFC reader and processor, wherein：
The processor is used for：
Receive user input it is non-access money instruction after, point out user input withdraw funds；Receiving user input
After withdraw funds, be put in NFC transaction media in the field strength range of the NFC reader by prompting user for the first time；In the NFC
Transaction medium for the first time in the field strength range in the NFC reader when, indicate the NFC reader perform the first order and
Second order, first order is at least used to selecting that being stored in NFC transaction medium, non-money that accesses to be concluded the business to carry out this
Card number, described second order for obtain by the NFC transaction medium generate authorization requests ciphertext ARQC；Prompting user is defeated
Enter password；After the password for receiving user input, Crypted password pinblock is generated using the card number and password；In user
After confirming this non-relevant information for accessing money transaction, the ARQC and pinblock are sent to backstage and initiate transaction of withdrawing the money；
After successfully return of concluding the business, banknote is put into cash dispensing port, and NFC transaction media are put in the NFC and read by second prompting user
In the field strength range of card device；When in NFC transaction second field strength range in the NFC reader of medium, indicate
NFC reader carries out this non-card number for accessing money transaction in obtaining the NFC transaction medium；Got for the second time verifying
Card number with when the card number that gets is same card number for the first time, carry out note output operation.
6. self-service device as claimed in claim 5, it is characterised in that the execution first is ordered and is the step of the second order
Performed during qPBOC handling processes.
7. self-service device as claimed in claim 6, it is characterised in that first order is SELECT orders；Described second
It is GPO command to order.
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| CN201410641822.8A CN104361677B (en) | 2014-11-07 | 2014-11-07 | It is non-to access money method and self-service device |
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| CN201410641822.8A CN104361677B (en) | 2014-11-07 | 2014-11-07 | It is non-to access money method and self-service device |
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| CN104361677B true CN104361677B (en) | 2017-06-16 |
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| CN105678922A (en) * | 2016-01-08 | 2016-06-15 | 中国建设银行股份有限公司 | Method for positioning card retaining and account errors of self-service equipment, system and equipment |
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| CN103729794A (en) * | 2013-12-17 | 2014-04-16 | 深圳怡化电脑股份有限公司 | Electronic currency circulating method |
| CN104123793A (en) * | 2013-04-28 | 2014-10-29 | ***股份有限公司 | Money withdrawing system based on NFC function, money withdrawing method of money withdrawing system based on NFC function and money withdrawing machine |
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| CN103034958A (en) * | 2011-10-09 | 2013-04-10 | ***通信集团公司 | Mobile phone terminal and money withdrawing system based on mobile phone terminal and method |
| CN104123793A (en) * | 2013-04-28 | 2014-10-29 | ***股份有限公司 | Money withdrawing system based on NFC function, money withdrawing method of money withdrawing system based on NFC function and money withdrawing machine |
| CN103530957A (en) * | 2013-10-21 | 2014-01-22 | 深圳市怡化电脑有限公司 | Method and system for non-card withdrawal transaction through self-service money depositing and withdrawing equipment |
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