CN109448271A - A kind of no card withdrawal method, computer readable storage medium and server - Google Patents
A kind of no card withdrawal method, computer readable storage medium and server Download PDFInfo
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- CN109448271A CN109448271A CN201811022616.3A CN201811022616A CN109448271A CN 109448271 A CN109448271 A CN 109448271A CN 201811022616 A CN201811022616 A CN 201811022616A CN 109448271 A CN109448271 A CN 109448271A
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/203—Dispensing operations within ATMs
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- Accounting & Taxation (AREA)
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- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention provides a kind of no card withdrawal method, computer readable storage medium and servers, it include: server reception mobile terminal transmission without card withdrawal request message, judge whether mobile terminal is legal according to the unique identification of mobile terminal, and customs authority is completed according to the logging on authentication of account；Later, whether server is more than this time the threshold value without card withdrawal number in preset time without card withdrawal request according to the withdrawl deposit record information judgement of withdraw the money time and account, if being not above, server sends authorization messages to mobile terminal；Mobile terminal generates two dimensional code according to authorization messages；ATM scans the two-dimensional code, and sends note output request message to server；Server parses note output request message, if successfully resolved, sends note output instruction message to ATM, to indicate that ATM according to withdrawal amount note output, realizes user safe, efficient without card withdrawal.
Description
Technical field
The invention belongs to field of computer technology more particularly to a kind of no card withdrawal methods, computer readable storage medium
And server.
Background technique
Currently, user is withdrawn the money by ATM (Automatic Teller Machine, ATM), it is necessary to first be inserted into
Bank card just can be carried out withdrawal operation, in this process, it occur frequently that user forgets card taking, abnormal retain card, card taking device failure
It can not trade or other problems, the cumbersome time-consuming of operating process, strong influence user experience.
With the fast development of network finance and mobile Internet, each big bank is all proposed the Internet bank, Mobile banking
And finance product etc. and major Third-party payment platform etc. have been widely applied, and therefore, are realized by mobile terminal without card
Withdrawal will be a feasible developing direction.Existing no card withdrawal scheme includes reservation withdrawal etc., and not only formality is cumbersome, and is pacified
Full property is not high.
Summary of the invention
In view of this, the embodiment of the invention provides a kind of no card withdrawal method, computer readable storage medium and services
Device is low without card withdrawal safety in the prior art to solve the problems, such as.
The first aspect of the embodiment of the present invention provides a kind of no card withdrawal method, which includes mobile terminal, service
Device and ATM, this method comprises:
Server receive that mobile terminal sends without card withdrawal request message, the no card withdrawal request message includes described
The unique identification of mobile terminal, the logging on authentication of account, withdrawal amount and withdrawal time；
The server judges whether the mobile terminal is legal according to the unique identification of the mobile terminal, if the shifting
Dynamic terminal is legal, then completes customs authority according to the logging on authentication of the account；
The server judges this nothing according to the withdrawl deposit record information of the withdrawal time and the pre-stored account
Whether card withdrawal request is more than the threshold value without card withdrawal number in preset time；
If server judgement this time without card withdrawal request be not above in the preset time without card withdrawal number
Threshold value, Xiang Suoshu mobile terminal send authorization messages；
The mobile terminal generates two dimensional code according to the authorization messages；
The ATM scans the two dimensional code, and sends note output request message to the server；
The server parses the note output request message, if successfully resolved, sends out to the ATM
Paper money instruction message is sent out, to indicate the ATM according to the withdrawal amount note output.
The second aspect of the embodiment of the present invention provides a kind of computer readable storage medium, the computer-readable storage
Media storage has computer-readable instruction, and the computer-readable instruction realizes following steps when being executed by processor:
Receive that mobile terminal sends without card withdrawal request message, the no card withdrawal request message include it is described it is mobile eventually
The unique identification at end, the logging on authentication of account, withdrawal amount and withdrawal time；
Judge whether the mobile terminal is legal according to the unique identification of the mobile terminal, if the mobile terminal closes
Method then completes customs authority according to the logging on authentication of the account；
According to it is described withdrawal the time and the account withdrawl deposit record information judgement this time without card withdrawal request whether be more than
The threshold value without card withdrawal number in preset time；
If judgement is this time not above the threshold value without card withdrawal number in the preset time without card withdrawal request, to institute
It states mobile terminal and sends authorization messages, to indicate that the mobile terminal generates two dimensional code according to the authorization messages, and by certainly
Dynamic cash dispenser scans the two dimensional code；
It receives the note output request message that the ATM is sent and the note output request message is parsed, if solution
It analyses successfully, then sends note output instruction message to the ATM, to indicate the ATM according to the withdrawal gold
Volume note output.
The third aspect of the embodiment of the present invention provides a kind of server, including memory, processor and is stored in institute
The computer-readable instruction that can be run in memory and on the processor is stated, the processor executes described computer-readable
Following steps are realized when instruction:
Receive that mobile terminal sends without card withdrawal request message, the no card withdrawal request message include it is described it is mobile eventually
The unique identification at end, the logging on authentication of account, withdrawal amount and withdrawal time；
Judge whether the mobile terminal is legal according to the unique identification of the mobile terminal, if the mobile terminal closes
Method then completes customs authority according to the logging on authentication of the account；
According to it is described withdrawal the time and the account withdrawl deposit record information judgement this time without card withdrawal request whether be more than
The threshold value without card withdrawal number in preset time；
If judgement is this time not above the threshold value without card withdrawal number in the preset time without card withdrawal request, to institute
It states mobile terminal and sends authorization messages, to indicate that the mobile terminal generates two dimensional code according to the authorization messages, and by certainly
Dynamic cash dispenser scans the two dimensional code；
It receives the note output request message that the ATM is sent and the note output request message is parsed, if solution
It analyses successfully, then sends note output instruction message to the ATM, to indicate the ATM according to the withdrawal gold
Volume note output.
The present invention provides a kind of no card withdrawal method, computer readable storage medium and server, server, which receives, to be moved
Dynamic terminal send without card withdrawal request message, judge whether mobile terminal legal according to the unique identification of mobile terminal, and root
Customs authority is completed according to the logging on authentication of account；Later, server judges according to the withdrawl deposit record information of withdraw the money time and account
It whether is more than this time the threshold value without card withdrawal number in preset time without card withdrawal request, if being not above, server is to shifting
Dynamic terminal sends authorization messages；Mobile terminal generates two dimensional code according to authorization messages；ATM scans the two-dimensional code, and to clothes
Business device sends note output request message；Server parses note output request message, if successfully resolved, sends out to ATM
Paper money instruction message is sent out, to indicate that ATM according to withdrawal amount note output, makes user realize that safe, efficient no card takes
Money.
Detailed description of the invention
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only of the invention some
Embodiment for those of ordinary skill in the art without any creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is the flow diagram without card withdrawal method that the embodiment of the present invention one provides；
Fig. 2 is the flow diagram of no card withdrawal method provided by Embodiment 2 of the present invention；
Fig. 3 is the flow diagram without card withdrawal method that the embodiment of the present invention three provides；
Fig. 4 is the flow diagram without card withdrawal method that the embodiment of the present invention four provides；
Fig. 5 is the structural block diagram for the server that the embodiment of the present invention five provides；
Fig. 6 is the schematic diagram for the server that the embodiment of the present invention six provides.
Specific embodiment
In being described below, for illustration and not for limitation, the tool of such as particular system structure, technology etc is proposed
Body details, to understand thoroughly the embodiment of the present invention.However, it will be clear to one skilled in the art that there is no these specific
The present invention also may be implemented in the other embodiments of details.In other situations, it omits to well-known system, device, electricity
The detailed description of road and method, in case unnecessary details interferes description of the invention.
In order to illustrate technical solutions according to the invention, the following is a description of specific embodiments.
Embodiment one
The embodiment of the present invention one provides a kind of no card withdrawal method.In conjunction with Fig. 1, this method comprises:
S101, server receive mobile terminal send without card withdrawal request message, the no card withdrawal request message package
Logging on authentication, withdrawal amount and the withdrawal time of unique identification, account containing the mobile terminal.
Optionally, user logs in Mobile banking's client by mobile terminal, or logs in Third-party payment platform client,
Specifically, it is not limited in the embodiment of the present invention.
In embodiments of the present invention, mobile terminal is communicated with server by mobile Internet, server and automatic
Cash dispenser is communicated by special line inside bank.
Optionally, user logs in client by account number cipher, or logs in client by fingerprint, or unlock by figure
The client is logged in, it is not limited in the embodiment of the present invention, and after user logs in client, selection is withdrawn the money without card and serviced, when
When the client that user logs in is that third party takes payment platform client, it is also necessary to select withdrawal account, i.e. withdrawal bank card is believed
Breath, further, user input withdrawal amount, and mobile terminal is sent to server without card withdrawal request message, and the no card takes
Money request message includes at least the unique identification of the mobile terminal, the logging on authentication of account, withdrawal amount and withdraws the money the time.
S102, the server judge whether the mobile terminal is legal according to the unique identification of the mobile terminal, if
The mobile terminal is legal, then completes customs authority according to the logging on authentication of the account.
Optionally, the unique identification of mobile terminal can be UUID (the Universally Unique of mobile terminal
Identifier, globally unique identifier) or mobile terminal IMEI (International Mobile Equipment
Identity, International Mobile Equipment Identity code) or mobile terminal MEID (Mobile Equipment Identifier, move
Dynamic terminal iidentification number), specifically, it is not limited in the embodiment of the present invention.
Server judges whether the mobile terminal is legal mobile terminal according to the unique identification of mobile terminal, if institute
It states server and judges that the mobile terminal is legal mobile terminal, then pass through account entrained in the login request message
Logging on authentication complete the authentication to client such as the account name and password of user.
Optionally, if the user logs in by Mobile banking's client of bank 1 and sends no card withdrawal request, at this time
Server is the server of bank 1, and the server of bank 1 is directly to the authentication for completing client by logging on authentication；If user is logical
It crosses Third-party payment platform to request withdraw the money without card to bank 1, then server is the server of Third-party payment platform, service
Device completes the authentication to client, specifically, the embodiment of the present invention does not limit this by interacting with the server of bank 1
It is fixed.
S103, the server judge this according to the withdrawl deposit record information of the withdrawal time and the pre-stored account
Whether secondary no card withdrawal request is more than the threshold value without card withdrawal number in preset time.
In server, the threshold value of no card withdrawal number is pre-seted to same account, is such as directed to same account, preset time
It is 24 hours, the threshold value of no card withdrawal number is 3 times, when same account reaching 3 times without card withdrawal number within a preset time
Afterwards, what is carried out again will be refused without card withdrawal request by server.
S104, if server judgement is this time not above withdrawing the money in the preset time without card without card withdrawal request
The threshold value of number, Xiang Suoshu mobile terminal send authorization messages.
The server sends authorization messages according to the no card withdrawal request, Xiang Suoshu mobile terminal.
S105, the mobile terminal generate two dimensional code according to the authorization messages.
S106, the ATM scans the two dimensional code, and sends note output request message to the server.
In embodiments of the present invention, including the feasible embodiment of the following two kinds:
The first, the scan module of ATM, the two dimension as described in the scanning of the camera module of ATM, and it is right
The two dimensional code is parsed, specifically, the mobile terminal generate the two dimensional code algorithm and the ATM solution
It is corresponding for analysing the algorithm of the two dimensional code, and the generation of two dimensional code and resolves to the prior art, and the embodiment of the present invention is to this
Without limitation.
ATM parses the two dimensional code and obtains two dimensional code parsing result, and ATM is sent out to server
Paper money request message carries unique mark of the two dimensional code parsing result and the ATM in the note output request message
Know.
Second: the scan module of ATM, the two dimension as described in the scanning of the camera module of ATM, automatically
Cash dispenser does not parse two dimensional code, and ATM sends note output request message, the note output request message to server
The middle unique identification for carrying the two dimensional code and the ATM.
S107, the server parses the note output request message, if successfully resolved, to the automatic drawing
Machine sends note output instruction message, to indicate the ATM according to the withdrawal amount note output.
In this step, it is analyzed with two kinds of feasible embodiments in step S106.
The first parses two dimensional code after ATM scans the two dimensional code of mobile terminal, obtains two dimensional code solution
Analysis is as a result, at this point, carry unique mark of the two dimensional code parsing result and the ATM in the note output request message
Know, the server carries out parsing to note output request and specifically includes:
Server judges whether the two dimensional code parsing result and the authorization messages are consistent, if two dimensional code parsing knot
Fruit is consistent with the authorization messages, and the server judges the upper automatic drawing according to the unique identification of the ATM
The legitimacy of machine, if the ATM is legal, successfully resolved.
Optionally, when the client that client logs in bank 1 is sent to the server of bank 1 without card withdrawal request, bank 1
Server directly according to the unique identification of ATM, judge the ATM whether be bank 1 automatic drawing
Machine, and after the server completion financial accounting of bank 1, such as withdrawal account balance is requested to meet this time withdrawal without card withdrawal request
When the amount of money, note output instruction message is sent to ATM；
When the client that client logs in Third-party payment platform is sent to the server of bank 1 without card withdrawal request, the
The server of tripartite's payment platform is interacted with the server of bank 1 completes ATM legitimacy authentication, and passes through bank 1
Server completes financial accounting, and Xiang Suoshu ATM sends note output instruction message.
Second: ATM scans the two dimension, and ATM does not parse two dimensional code, ATM
Note output request message is sent to server, carries the two dimensional code and the ATM in the note output request message
Unique identification.
At this point, server parses the note output request message, specifically, the server parses the two dimensional code
And judge whether parsing result is consistent with the authorization messages；It is described if the parsing result is consistent with the authorization messages
Server judges the legitimacy of the ATM according to the unique identification of the ATM；If the ATM
It is legal, then successfully resolved.After successfully resolved, server sends note output instruction message to ATM.
Further, if being parsed by server to two dimensional code, this method further include:
Server is encrypted the authorization messages, works as service before sending authorization messages to mobile terminal
After device receives the note output request message, the two dimensional code is parsed, and parsing result is decrypted；Institute
It states server and judges whether decrypted result is consistent with the authorization messages；If the decrypted result is consistent with the authorization messages,
Then the server judges the legitimacy of the ATM according to the unique identification of the ATM；If described automatic
Cash dispenser is legal, then successfully resolved.Optionally, the key of the encryption and decryption processing can be by the server according to nothing
Card withdrawal request generates at random, to improve the safety withdrawn the money without card.
Further, if being parsed by server to two dimensional code, this method further include:
The mobile terminal is two dimensional code creation time stamp, after the server receives the two dimensional code, according to institute
State timestamp judge the server receive the two dimensional code time T2 and the mobile terminal create the two dimensional code when
Between the difference of T1 whether be more than preset time threshold, if the difference of the T2 and T1 is more than preset time threshold, terminate
This time without card withdrawal request.
By this method, the effective time limit of two dimensional code is limited, a possibility that stealing two dimensional code by other people is reduced, into
One step improves the safety withdrawn the money without card.
The embodiment of the invention provides a kind of no card withdrawal method, server receives asking without card withdrawal for mobile terminal transmission
Message is sought, mobile terminal validity is judged according to the unique identification of mobile terminal, and client is completed according to the logging on authentication of account
Authentication；Later, server according to the withdrawl deposit record information judgement of withdraw the money time and account this time without card withdrawal request whether be more than
The threshold value without card withdrawal number in preset time, if being not above, server sends authorization messages to mobile terminal；It is mobile whole
End generates two dimensional code according to authorization messages；ATM scans the two-dimensional code, and sends note output request message to server；Service
Device parses note output request message, if successfully resolved, sends note output instruction message to ATM, automatic to indicate
Cash dispenser is according to withdrawal amount note output, so that it is safe, efficient without card withdrawal to realize user.
Further, in conjunction with Fig. 2, second embodiment of the present invention provides a kind of no card withdrawal methods, this method comprises:
S201, server receive mobile terminal send without card withdrawal request message, the no card withdrawal request message package
Logging on authentication, withdrawal amount and the withdrawal time of unique identification, account containing the mobile terminal.
S202, the server judge whether the mobile terminal is legal according to the unique identification of the mobile terminal, if
The mobile terminal is legal, then completes customs authority according to the logging on authentication of the account.
S203, the server judge this according to the withdrawl deposit record information of the withdrawal time and the pre-stored account
Whether secondary no card withdrawal request is more than the threshold value without card withdrawal number in preset time.
Specifically, the specific embodiment of step S201- step S203 can be found in the step S101- step in embodiment one
S103, the embodiment of the present invention repeat no more this.
S204, if server judgement is this time not above withdrawing the money in the preset time without card without card withdrawal request
The threshold value of number, the server judge whether the withdrawal amount is more than preset value.
If server judgement is this time not above the threshold value without card withdrawal number in preset time without card withdrawal request, and
The withdrawal amount is not above preset value, then enters step S205, if server judgement does not surpass without card withdrawal request this time
The threshold value without card withdrawal number in preset time is crossed, but the withdrawal amount is more than preset value, then as follows
S2041-2045 verifies the identity of remittee.
S2041, the server send certificate message to the mobile terminal.
For ensure client account safety, when the withdrawal amount of no card withdrawal request be greater than preset value when, it is desirable that withdrawal account
The holder at family, i.e. card open people and this withdrawal without card withdrawal request artificially same people.Server is sent out to mobile terminal at this time
Send certificate message, the finger print information of request remittee.
S2042, the mobile terminal according to the certificate message acquire the finger print information of remittee and to the clothes
Business device sends authentication response message, and the authentication response message includes the finger print information of the remittee.
This method is applied to support the mobile terminal of finger print collecting function, such as comprising the smart phone of finger print acquisition module
Deng.After mobile terminal receives the certificate message of server transmission, the fingerprint of finger print acquisition module acquisition remittee is called,
And authentication response message is sent to server, the finger print information of remittee is carried in the authentication response message.
S2043, the server obtain the unique identities for opening card people of the account according to the logging on authentication of the account
Information.
Server opens the unique identities of people according to the card that the logging on authentication of the account in no card withdrawal request obtains the account
Information such as opens the ID card No. information of card people.
S2044, the server open the unique identity information of card people according to, and the fingerprint letter of card people is opened described in acquisition
Breath.
In the prior art, for client when bank opens card, bank would generally acquire open the finger print information of card people, and be stored in
In the database of bank, and unique mapping relations are established for the unique identity information and finger print information for opening card people.Server passes through
The unique identity information for opening card people can obtain open the finger print information of card people.
The finger print information of the remittee and the finger print information for opening card people are compared for S2045, server, if than
To unsuccessful, then terminate this time without card withdrawal request.
User is allowed to be greater than preset value without card withdrawal amount, if taking if remittee is to open card people by fingerprint comparison
Money people is not out to block people, and the withdrawal amount without card withdrawal request of user is greater than preset value, and server refusal this time takes without card
Money request.
Further, can be by pre-seting the first preset value and the second preset value in server, the second preset value is greater than
First preset value, when the withdrawal amount of no card withdrawal request is greater than the first preset value less than the second preset value, and remittee with open
When blocking artificial same people, server allows this time without card withdrawal request, when the withdrawal amount of no card withdrawal request is pre- greater than second
If when value, even if remittee and opening the artificial same people of card, to ensure customer account safety, such withdraw the money without card of server refusal is asked
It asks.
S205, Xiang Suoshu mobile terminal send authorization messages.
S206, the mobile terminal generate two dimensional code according to the authorization messages.
S207, the ATM scans the two dimensional code, and sends note output request message to the server.
S208, the server parses the note output request message, if successfully resolved, to the automatic drawing
Machine sends note output instruction message, to indicate the ATM according to the withdrawal amount note output.
Specifically, the specific embodiment of step S205-S208 can be found in embodiment one, the embodiment of the present invention to this no longer
It repeats.
The embodiment of the invention provides a kind of no card withdrawal methods, on the basis of one providing method of embodiment, when with
When the withdrawal amount without card withdrawal request at family is greater than preset value, for the safety that guarantee client withdraws the money without card, server passes through
Mobile terminal acquires the fingerprint of remittee, and remittee's fingerprint is compared with the fingerprint for opening card people of account, guarantees this time
No card withdrawal request is initiated by opening card people, to further ensure the safety withdrawn the money without card.
Further, in conjunction with Fig. 3, the embodiment of the present invention three provides a kind of no card withdrawal method, this method comprises:
S301, server receive mobile terminal send without card withdrawal request message, the no card withdrawal request message package
Logging on authentication, withdrawal amount and the withdrawal time of unique identification, account containing the mobile terminal.
S302, the server judge whether the mobile terminal is legal according to the unique identification of the mobile terminal, if
The mobile terminal is legal, then completes customs authority according to the logging on authentication of the account.
S303, the server judge this according to the withdrawl deposit record information of the withdrawal time and the pre-stored account
Whether secondary no card withdrawal request is more than the threshold value without card withdrawal number in preset time.
S304, if server judgement is this time not above withdrawing the money in the preset time without card without card withdrawal request
The threshold value of number, Xiang Suoshu mobile terminal send authorization messages.
S305, the mobile terminal generate two dimensional code according to the authorization messages.
Specifically, the specific embodiment of step S301-S305 can be found in the step S101-S105 of embodiment one kind, this
Inventive embodiments repeat no more this.
S306, the ATM scan and parse the two dimensional code, obtain two dimensional code parsing result,
S307, the ATM take according to the two dimensional code parsing result obtains the withdrawal amount and judges
Whether the money amount of money is more than preset value.
If judging that the withdrawal amount is no more than preset value according to the two dimensional code parsing result, S308 is entered step,
If parsing result is more than preset value, remittee's authentication process itself of S3071-S3075 is entered step:
S3071, the face feature information of the ATM acquisition remittee, and send note output to the server and ask
Message is sought, the note output request message includes the face feature information of the remittee.
Optionally, if the ATM is according to the two dimensional code parsing result, judgement is this time without card withdrawal request
Withdrawal amount is more than preset value, then calls face feature information acquisition module, such as camera, acquires the facial characteristics letter of remittee
Breath.
In the prior art, when user is when bank opens card, bank would generally acquire open the face feature information of card people simultaneously
The face feature information for opening card people is stored in the database, and to open unique body of the face feature information of card people and Ka Kai people
Part information, the identification card number for such as opening card people establish unique mapping relations.
S3072, the server obtain the unique identities for opening card people of the account according to the logging on authentication of the account
Information.
S3073, the server open the unique identity information of card people according to, the facial characteristics of card people are opened described in acquisition
Information.
S3074, the server is by the face feature information of the remittee and the face feature information for opening card people
It is compared, if comparison is unsuccessful, terminates this time without card withdrawal request
It is compared by face feature information, if remittee is to open card people, allows user to be greater than without card withdrawal amount pre-
If value, if remittee is not out to block people, and the withdrawal amount without card withdrawal request of user is greater than preset value, and server refuses this
Secondary no card withdrawal request.
S308, institute's server parses the note output request message, if successfully resolved, to the ATM
Note output instruction message is sent, to indicate the ATM according to the withdrawal amount note output.
Specifically, the specific embodiment of step S308 can be found in embodiment one, it is not limited in the embodiment of the present invention.
The embodiment of the invention provides a kind of no card withdrawal methods, on the basis of one providing method of embodiment, when with
When the withdrawal amount without card withdrawal request at family is greater than preset value, for the safety that guarantee client withdraws the money without card, server passes through
ATM acquires the face feature information of remittee, and by the face for opening card people of remittee's face feature information and account
Characteristic information is compared, and guarantees this time to be initiated without card withdrawal request by opening card people, take to further ensure without card
The safety of money.
Example IV
The embodiment of the present invention four additionally provides a kind of no card withdrawal method, and this method is applied to embodiment one to embodiment three
On the basis of the provided method withdrawn the money without card, in conjunction with Fig. 4, this method comprises:
S401, the server obtain the geographical location information of the mobile terminal or the ATM.
S402, the server judge the account within a preset period of time and whether there is that the geographical location information institute is right
The withdrawl deposit record answered.
The withdrawl deposit record includes card withdrawl deposit record and without card withdrawl deposit record.
S403, if withdrawl deposit record corresponding to the geographical location information is not present in the account within a preset period of time,
Then the server terminates this time without card withdrawal request.
To be further ensured that the safety withdrawn the money without card, avoiding losing such as user mobile phone is user's bring property loss,
In embodiments of the present invention, server judges this nothing by acquisition mobile terminal or the geographical location information of ATM
Whether the geographical location that card is withdrawn the money is the common geographical location of user, if it is not, then terminate this time without card withdrawal request, thus into
One step has ensured the safety withdrawn the money without card.
Embodiment five
In conjunction with Fig. 5, the embodiment of the invention provides a kind of server, which includes: the first receiving unit 51, and first
Judging unit 52, second judgment unit 53, the first transmission unit 54, the second receiving unit 55, resolution unit 56 and second are sent
Unit 57；
First receiving unit 51, for receive mobile terminal transmission without card withdrawal request message, the no card takes
Money request message includes the unique identification of the mobile terminal, the logging on authentication of account, withdrawal amount and withdraws the money the time；
First judging unit 52, for whether judging the mobile terminal according to the unique identification of the mobile terminal
It is legal, if the mobile terminal is legal, customs authority is completed according to the logging on authentication of the account；
The second judgment unit 53, for being believed according to the withdrawl deposit record of the withdrawal time and the pre-stored account
Whether breath judgement is more than this time the threshold value without card withdrawal number in preset time without card withdrawal request；
If the second judgment unit 53 judgement this time without card withdrawal request be not above in the preset time without card
The threshold value of withdrawal number, first transmission unit 54 is used to send authorization messages to the mobile terminal, to indicate the shifting
Dynamic terminal generates two dimensional code according to the authorization messages；
Second receiving unit 55, for after the ATM scans the two dimensional code, reception to be described certainly
The note output request message that dynamic cash dispenser is sent；
The resolution unit 56, for being parsed to the note output request message；
If 56 successfully resolved of resolution unit, second transmission unit 57 is used to send to the ATM
Note output instruction message, to indicate the ATM according to the withdrawal amount note output.
Further, the ATM parses the two dimensional code and obtains two dimensional code parsing result, described to take automatically
The note output request message that money machine is sent to the server include the two dimensional code parsing result and the ATM only
One mark, the resolution unit 56 are specifically used for:
Judge whether the two dimensional code parsing result and the authorization messages are consistent, if the two dimensional code parsing result and institute
State that authorization messages are consistent, the server judges the conjunction of the upper ATM according to the unique identification of the ATM
Method, if the ATM is legal, successfully resolved.
Further, the note output request message that the ATM is sent to the server include the two dimensional code and
The unique identification of the ATM, the resolution unit 56 are specifically used for:
The server parses the two dimensional code and judges whether parsing result is consistent with the authorization messages；
If the parsing result is consistent with the authorization messages, the server is unique according to the ATM
Mark judges the legitimacy of the ATM；
If the ATM is legal, successfully resolved.
Further, the server further includes encryption unit 58；
The encryption unit 58, for the authorization messages to be encrypted；
The resolution unit 56 is specifically used for: parsing to the two dimensional code, and parsing result is decrypted；
Judge whether decrypted result is consistent with the authorization messages.
Further, the second judgment unit 53 is also used to: judging whether the withdrawal amount is more than preset value；
If the second judgment unit 53 judges that the withdrawal amount is more than preset value, first transmission unit 54 is also
For sending certificate message to the mobile terminal, to indicate that the mobile terminal is acquired according to the certificate message
The finger print information of remittee；
First receiving unit 51 is also used to: receiving the authentication response message that mobile terminal is sent, the identity
Authentication response information includes the finger print information of the remittee；
First judging unit 52 is also used to: opening card people's according to what the logging on authentication of the account obtained the account
Unique identity information；According to the unique identity information for opening card people, the finger print information of card people is opened described in acquisition；By the withdrawal
The finger print information of people and the finger print information for opening card people are compared, if comparison is unsuccessful, terminate this time to ask without card withdrawal
It asks.
Further, the ATM obtains the withdrawal amount according to the two dimensional code parsing result and judges institute
State whether withdrawal amount is more than preset value；If the withdrawal amount is more than preset value, the ATM acquires remittee
Face feature information, the note output request message include the remittee face feature information；
At this point, the second judgment unit 52 is specifically used for: obtaining the account according to the logging on authentication of the account
Open the unique identity information of card people；According to the unique identity information for opening card people, the facial characteristics letter of card people is opened described in acquisition
Breath；The facial characteristics exquisiteness system of the remittee and the face feature information for opening card people are compared, if can not compare
Function then terminates this time without card withdrawal request.
Further, which further includes acquiring unit 59, for obtaining the mobile terminal or the automatic drawing
The geographical location information of machine；
The second judgment unit 53 is specifically used for: judging the account within a preset period of time and whether there is the geography
Withdrawl deposit record corresponding to location information；If the account is not present within a preset period of time corresponding to the geographical location information
Withdrawl deposit record, then terminate this time without card withdrawal request.
Further, the mobile terminal is two dimensional code creation time stamp；
After second receiving unit 55 receives the two dimensional code, the second judgment unit 53 is sentenced according to the timestamp
The time T2 that the server that breaks receives the two dimensional code creates the difference of the time T1 of the two dimensional code with the mobile terminal
It whether is more than preset time threshold；If the difference of the T2 and T1 is more than preset time threshold, terminate this time to take without card
Money request.
Specifically, specific implementation of the present invention can be found in embodiment of the present invention method, the embodiment of the present invention is herein no longer
It repeats.
The embodiment of the invention provides a kind of server, by request number of times to no card withdrawal request, the request amount of money and
The geographical location that request is withdrawn the money is judged, and carries out encrypting and decrypting processing to authorization message, improves the safety withdrawn the money without card
Property.
Embodiment six
Fig. 6 is the schematic diagram without card withdrawal server that the embodiment of the present invention six provides.As shown in fig. 6, the embodiment
No card withdrawal server 6 includes: processor 60, memory 61 and is stored in the memory 61 and can be in the processor
The computer program 62 run on 60, such as without card withdrawal program.The processor 60 executes real when the computer program 62
Step in existing above-mentioned each no card withdrawal embodiment of the method, for example, step 101 shown in FIG. 1 in 107 by the server
Performed step.Alternatively, the processor 60 is realized in above-mentioned each Installation practice respectively when executing the computer program 62
Module/unit function, such as the function of module 51 to 59 shown in Fig. 5.
Illustratively, the computer program 62 can be divided into one or more module/units, it is one or
Multiple module/units are stored in the memory 61, and are executed by the processor 60, to complete the present invention.Described one
A or multiple module/units can be the series of computation machine program instruction section that can complete specific function, which is used for
Implementation procedure of the computer program 62 in the no card withdrawal server 6 is described.
The no card withdrawal server 6 can be the meter such as desktop PC, notebook, palm PC and cloud server
Calculate equipment.The no card withdrawal server may include, but be not limited only to, processor 60, memory 61.Those skilled in the art can
To understand, Fig. 6 is only the example without card withdrawal server 6, does not constitute the restriction to no card withdrawal server 6, can wrap
It includes than illustrating more or fewer components, perhaps combines certain components or different components, such as described withdraw the money without card services
Device can also include input-output equipment, network access equipment, bus etc..
The processor 60 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng.
The memory 61 can be the internal storage unit of the no card withdrawal server 6, such as withdraws the money and service without card
The hard disk or memory of device 6.The memory 61 is also possible to the External memory equipment of the no card withdrawal server 6, such as institute
State the plug-in type hard disk being equipped on no card withdrawal server 6, intelligent memory card (Smart Media Card, SMC), secure digital
(Secure Digital, SD) card, flash card (Flash Card) etc..Further, the memory 61 can also both include
The internal storage unit of the no card withdrawal server 6 also includes External memory equipment.The memory 61 is described for storing
Other programs and data needed for computer program and the no card withdrawal server.The memory 61 can be also used for temporarily
When store the data that has exported or will export.
The embodiment of the present invention also provides a kind of computer readable storage medium, and the computer-readable recording medium storage has
Computer program, the computer program realize the step without card withdrawal method described in any of the above-described embodiment when being executed by processor
Suddenly.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can store in a computer readable storage medium.Based on this understanding, technical solution of the present invention is substantially
The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words
It embodies, which is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each embodiment the method for the present invention
Portion or part steps.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only
Memory), random access memory (RAM, Random Access Memory), magnetic or disk etc. are various can store journey
The medium of sequence code.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the essence of corresponding technical solution is departed from the spirit and scope of the technical scheme of various embodiments of the present invention, it should all
It is included within protection scope of the present invention.
Claims (10)
1. a kind of no card withdrawal method, which is characterized in that this method is applied to a kind of no card withdrawal system, which includes movement
Terminal, server and ATM, this method comprises:
Server receive that mobile terminal sends without card withdrawal request message, the no card withdrawal request message includes the movement
The unique identification of terminal, the logging on authentication of account, withdrawal amount and withdrawal time；
The server judges whether the mobile terminal is legal according to the unique identification of the mobile terminal, if described mobile whole
It is legal to hold, then completes customs authority according to the logging on authentication of the account；
The server this time takes without card according to the withdrawl deposit record information judgement of the withdrawal time and the pre-stored account
Whether money request is more than the threshold value without card withdrawal number in preset time；
If the server judgement is this time not above the threshold without card withdrawal number in the preset time without card withdrawal request
Value, Xiang Suoshu mobile terminal send authorization messages；
The mobile terminal generates two dimensional code according to the authorization messages；
The ATM scans the two dimensional code, and sends note output request message to the server；
The server parses the note output request message, if successfully resolved, sends out to the ATM
Paper money instruction message, to indicate the ATM according to the withdrawal amount note output.
2. no card withdrawal method according to claim 1, which is characterized in that scan the two dimension in the ATM
After code, this method further include:
The ATM parses the two dimensional code and obtains two dimensional code parsing result, and the note output request message includes described
The unique identification of two dimensional code parsing result and the ATM；
The server carries out parsing to note output request
Judge whether the two dimensional code parsing result and the authorization messages are consistent；
If the two dimensional code parsing result is consistent with the authorization messages, the server is unique according to the ATM
Mark judges the legitimacy of the upper ATM；
If the ATM is legal, successfully resolved.
3. no card withdrawal method according to claim 1, which is characterized in that the note output request message includes the two dimension
The unique identification of code and the ATM, the server carry out parsing to the note output request message and include:
The server parses the two dimensional code and judges whether parsing result is consistent with the authorization messages；
If the parsing result is consistent with the authorization messages, the server is according to the unique identification of the ATM
Judge the legitimacy of the ATM；
If the ATM is legal, successfully resolved.
4. no card withdrawal method according to claim 3, which is characterized in that this method further include:
The authorization messages are encrypted in the server；
The server carries out parsing to the note output request message
The server parses the two dimensional code, and parsing result is decrypted；
The server judges whether decrypted result is consistent with the authorization messages；
If the decrypted result is consistent with the authorization messages, the server is according to the unique identification of the ATM
Judge the legitimacy of the ATM；
If the ATM is legal, successfully resolved.
5. no card withdrawal method according to claim 1, which is characterized in that this method further include: receive and move in server
Dynamic terminal send without card withdrawal request message after, this method further include:
The server judges whether the withdrawal amount is more than preset value；
If the withdrawal amount is more than preset value, the server sends certificate message to the mobile terminal；
The mobile terminal acquires the finger print information of remittee according to the certificate message and sends body to the server
Part authentication response information, the authentication response message include the finger print information of the remittee；
The server obtains the unique identity information for opening card people of the account according to the logging on authentication of the account；
The server opens the unique identity information of card people according to, and the finger print information of card people is opened described in acquisition；
The finger print information of the remittee and the finger print information for opening card people are compared the server, if can not compare
Function then terminates this time without card withdrawal request.
6. no card withdrawal method according to claim 2, which is characterized in that this method further include: in the automatic drawing
After machine parses the two dimensional code and obtains two dimensional code parsing result, this method further include:
The ATM obtains the withdrawal amount according to the two dimensional code parsing result and judges that the withdrawal amount is
No is more than preset value；
If the withdrawal amount is more than preset value, the face feature information of ATM acquisition remittee, it is described go out
Paper money request message includes the face feature information of the remittee；
The server obtains the unique identity information for opening card people of the account according to the logging on authentication of the account；
The server opens the unique identity information of card people according to, and the face feature information of card people is opened described in acquisition；
The facial characteristics exquisiteness system of the remittee and the face feature information for opening card people are compared the server,
If comparison is unsuccessful, terminate this time without card withdrawal request.
7. no card withdrawal method according to claim 5 or 6, which is characterized in that this method further include:
The server obtains the geographical location information of the mobile terminal or the ATM；
The server judges the account within a preset period of time and whether there is withdrawal corresponding to the geographical location information
Record；
If withdrawl deposit record corresponding to the geographical location information, the service is not present in the account within a preset period of time
Device terminates this time without card withdrawal request.
8. no card withdrawal method according to claim 3 or 4, which is characterized in that this method further include:
The mobile terminal is two dimensional code creation time stamp；
After the server receives the two dimensional code, according to the timestamp judge the server receive the two dimensional code when
Between with the mobile terminal create whether the difference of the time of the two dimensional code is more than preset time threshold；
If the time that the server receives the two dimensional code creates the difference of the time of the two dimensional code with the mobile terminal
More than preset time threshold, then terminate this time without card withdrawal request.
9. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In realization side as performed by server in any one of claim 1 to 8 when the computer program is executed by processor
The step of method.
10. a kind of server, which is characterized in that the server includes memory, processor, and being stored on the memory can
The computer program run on the processor, the processor realize following steps when executing the computer program:
Receive that mobile terminal sends without card withdrawal request message, the no card withdrawal request message includes the mobile terminal
Unique identification, the logging on authentication of account, withdrawal amount and withdrawal time；
Judge whether the mobile terminal is legal according to the unique identification of the mobile terminal, if the mobile terminal is legal,
Customs authority is completed according to the logging on authentication of the account；
It whether is more than this time default without card withdrawal request according to the judgement of the withdrawl deposit record information of the withdrawal time and the account
The threshold value without card withdrawal number in time；
If judgement is this time not above the threshold value without card withdrawal number in the preset time without card withdrawal request, to the shifting
Dynamic terminal sends authorization messages, to indicate that the mobile terminal generates two dimensional code according to the authorization messages, and by taking automatically
Money machine scans the two dimensional code；
It receives the note output request message that the ATM is sent and the note output request message is parsed, if being parsed into
Function then sends note output instruction message to the ATM, to indicate that the ATM goes out according to the withdrawal amount
Paper money.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811022616.3A CN109448271A (en) | 2018-09-03 | 2018-09-03 | A kind of no card withdrawal method, computer readable storage medium and server |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811022616.3A CN109448271A (en) | 2018-09-03 | 2018-09-03 | A kind of no card withdrawal method, computer readable storage medium and server |
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| CN109448271A true CN109448271A (en) | 2019-03-08 |
Family
ID=65530973
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| CN201811022616.3A Pending CN109448271A (en) | 2018-09-03 | 2018-09-03 | A kind of no card withdrawal method, computer readable storage medium and server |
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| CN111047311A (en) * | 2019-12-20 | 2020-04-21 | 上海思依暄机器人科技股份有限公司 | Data packet distribution control method and device and electronic equipment |
| CN111080923A (en) * | 2019-11-26 | 2020-04-28 | 中国建设银行股份有限公司 | Identity authentication method and device for financial equipment |
| CN111985913A (en) * | 2019-05-24 | 2020-11-24 | 上海箩箕技术有限公司 | Card-free transaction method and device and server |
| CN113052609A (en) * | 2021-04-20 | 2021-06-29 | 中国工商银行股份有限公司 | Security prevention and control method, device, electronic equipment and medium for automatic teller machine |
| 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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| CN116258564A (en) * | 2023-03-09 | 2023-06-13 | 吉林银行股份有限公司 | Off-line channel card-free service processing method, system, device and server |
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