TW201508701A - Money withdrawing system based on NFC function, money withdrawing method of money withdrawing system based on NFC function and money withdrawing machine - Google Patents

Money withdrawing system based on NFC function, money withdrawing method of money withdrawing system based on NFC function and money withdrawing machine Download PDF

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TW201508701A
TW201508701A TW103115049A TW103115049A TW201508701A TW 201508701 A TW201508701 A TW 201508701A TW 103115049 A TW103115049 A TW 103115049A TW 103115049 A TW103115049 A TW 103115049A TW 201508701 A TW201508701 A TW 201508701A
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withdrawal
nfc
acceptance
mobile terminal
module
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TW103115049A
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TWI578274B (en
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Quan Sun
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China Unionpay Co Ltd
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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
    • G06Q20/30—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
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • 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

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  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

The invention relates to a money withdrawing method based on the NFC function and a money withdrawing system based on the NFC function. The money withdrawing method based on the NFC function is characterized in that data transmission is carried out between a mobile terminal with the NFC function and a money withdrawing machine with the NFC function based on NFC, and data exchange among the money withdrawing machine, a receiving bank system, a bank card organization system and a card issuing bank system is achieved. By means of the money withdrawing method based on the NFC function and the money withdrawing system based on the NFC function, as a bank card does not need to be inserted into the money withdrawing machine, and passwords of the bank card do not need to be input into the money withdrawing machine, a stealing device arranged by a lawbreaker on the money withdrawing machine cannot steal the bank card and the passwords of the bank card; in addition, the solid bank card does not need to be carried during money withdrawing, so that portability is high.

Description

基於近場通訊(NFC)功能的取款系統及其取款方法以及取款機 Near field communication (NFC)-based withdrawal system and its withdrawal method and cash machine

本發明關於非接觸式資料處理系統以及資料處理方法，具體地關於基於近場通訊(NFC)功能的取款系統、取款方法以及取款機。 The present invention relates to a contactless data processing system and a data processing method, and more particularly to a near field communication (NFC) function based withdrawal system, a withdrawal method, and a cash dispenser.

在現有技術中，傳統的銀行卡取款業務，需要持卡人提供銀行卡實體卡片，並在取款機終端輸入取款密碼。這樣的操作存在兩個弊端：一是業務限制，持卡人必須隨身攜帶銀行卡實體卡片，負責無法透過取款機進行取款操作，給持卡人，特別是行動支付用戶帶來不便；二是安全問題，不法份子利用專用的設備，盜取銀行卡，或者在持卡人輸入密碼時竊取銀行卡密碼。 In the prior art, the traditional bank card withdrawal service requires the cardholder to provide a bank card physical card and input the withdrawal password at the cash machine terminal. There are two drawbacks to this operation: First, the business restrictions, the cardholder must carry the bank card physical card with him, responsible for the withdrawal operation through the cash machine, which is inconvenient for the cardholder, especially the mobile payment user; The problem is that the criminals use special equipment to steal the bank card or steal the bank card password when the cardholder enters the password.

鑒於上述問題，本發明旨在提供一種不需要攜帶銀行卡機就能夠實現取款的安全性高的基於NFC功 能的取款系統、取款方法以及取款機。 In view of the above problems, the present invention aims to provide a highly safe NFC-based work that can realize withdrawal without carrying a bank card machine. Can withdrawing system, withdrawal method and cash machine.

本發明的基於NFC功能的取款方法是在具備NFC功能的行動終端和NFC功能的取款機之間基於NFC進行資料傳輸並且用來實現取款機與受理銀行系統、銀行卡組織系統以及發卡銀行系統之間的資料交換的方法，其特徵在於，包括下述步驟：取款資訊獲取步驟：使用者透過具備NFC功能的行動終端獲取取款資訊並且利用行動終端具備的NFC功能將取款資訊發送給取款機；取款請求上送步驟：取款機向受理銀行系統發起基於所述取款資訊的取款請求；取款請求驗證步驟：受理銀行系統對取款請求進行合法性判斷；取款請求轉發步驟：受理銀行系統在判斷取款請求合法的前提下將取款請求轉發給銀行卡組織系統，再由銀行卡組織系統轉發到發卡銀行系統；取款承兌應答步驟：發卡銀行系統驗證取款請求的合法性，並且在透過驗證後將取款承兌應答發送到銀行卡組織系統；取款承兌應答轉發步驟：銀行卡組織系統將取款承兌應答轉發到受理銀行系統；吐鈔通知步驟：受理銀行系統根據取款承兌應答通知取款機以執行吐鈔動作。 The NFC-based withdrawal method of the present invention is based on NFC for data transmission between an NFC-enabled mobile terminal and an NFC-enabled cash machine, and is used to implement a cash machine and an acceptance banking system, a bank card organization system, and a card issuing bank system. The method for exchanging data includes the following steps: the step of acquiring the withdrawal information: the user obtains the withdrawal information through the NFC-enabled mobile terminal and transmits the withdrawal information to the cash machine by using the NFC function of the mobile terminal; Request delivery step: the cash withdrawal machine initiates a withdrawal request based on the withdrawal information to the acceptance banking system; the withdrawal request verification step: accepting the bank system to determine the legality of the withdrawal request; the withdrawal request forwarding step: the acceptance banking system determines that the withdrawal request is legal The withdrawal request is forwarded to the bank card organization system, and then transferred to the card issuing bank system by the bank card organization system; the withdrawal acceptance response step: the card issuing bank system verifies the legality of the withdrawal request, and sends the withdrawal acceptance response after the verification Bank card organization ; Withdraw acceptance step of forwarding the response: bank card organization will withdraw acceptance reply is forwarded to the receiving bank system; dispenser notify the steps of: receiving bank teller machine system according to the responsive notification of acceptance to perform withdrawals dispenser action.

較佳地，在所述取款資訊獲取步驟之前，還 具備：業務開通步驟：僅僅在初次開通業務時進行銀行卡帳戶、行動終端、以及行動支付系統的綁定。 Preferably, before the withdrawal information acquisition step, With: Business opening steps: Binding of bank card accounts, mobile terminals, and mobile payment systems only when the business is first opened.

較佳地，在所述吐鈔通知步驟之後還具備：取款結果通知步驟：取款機將取款交易結果通知行動終端。 Preferably, after the step of dispensing the money, the method further comprises: a withdrawal result notification step: the cash machine notifies the mobile terminal of the result of the withdrawal transaction.

較佳地，在所述取款資訊獲取步驟中，使用者在行動終端輸入取款帳戶、金額、交易密碼中的至少一個或多個的取款資訊。 Preferably, in the withdrawal information obtaining step, the user inputs the withdrawal information of at least one or more of the withdrawal account, the amount, and the transaction password at the mobile terminal.

較佳地，在所述取款結果通知步驟中，所述行動終端還將取款結果通知所述行動支付系統。 Preferably, in the withdrawal result notification step, the mobile terminal also notifies the mobile payment system of the withdrawal result.

本發明的基於NFC功能的取款方法，是在具備NFC功能的行動終端和NFC功能的取款機之間基於NFC進行資料傳輸並且用來實現行動支付系統、取款機、受理銀行系統、銀行卡組織系統以及發卡銀行系統之間的資料交換的方法，其特徵在於，包括下述步驟：取款資訊獲取步驟：使用者透過具備NFC功能的行動終端獲取取款資訊並且利用行動終端具備的NFC功能獲取該取款機的取款機設備資訊；取款請求上送步驟：行動終端將所述取款資訊和取款機設備資訊作為取款請求透過行動支付系統上送到受理銀行系統；取款請求驗證步驟：受理銀行系統對取款請求進行合法性判斷； 取款請求轉發步驟：受理銀行系統在判斷取款請求合法的前提下將取款請求轉發給銀行卡組織系統，再由銀行卡組織系統轉發到發卡銀行系統；取款承兌應答步驟：發卡銀行系統驗證取款請求的合法性，並且在透過驗證後將取款承兌應答發送到銀行卡組織系統；取款承兌應答轉發步驟：銀行卡組織系統將取款承兌應答轉發到受理銀行系統；吐鈔通知步驟：受理銀行系統根據取款承兌應答通知對應於取款機設備資訊的取款機執行吐鈔動作。 The NFC-based withdrawal method of the present invention is based on NFC for data transmission between an NFC-enabled mobile terminal and an NFC-enabled cash machine, and is used to implement a mobile payment system, a cash machine, an acceptance banking system, and a bank card organization system. And a method for exchanging data between the issuing bank systems, comprising the steps of: obtaining the withdrawal information: the user obtains the withdrawal information through the NFC-enabled mobile terminal and acquires the cash machine by using the NFC function of the mobile terminal. Cash machine equipment information; withdrawal request sending step: the mobile terminal sends the withdrawal information and the cash machine equipment information as a withdrawal request to the acceptance banking system through the mobile payment system; the withdrawal request verification step: accepting the banking system to perform the withdrawal request Legality judgment; The withdrawal request forwarding step: the acceptance banking system forwards the withdrawal request to the bank card organization system on the premise that the withdrawal request is legal, and then forwards the bank card organization system to the card issuing bank system; the withdrawal acceptance response step: the card issuing bank system verifies the withdrawal request Legitimacy, and after the verification, the withdrawal acceptance response is sent to the bank card organization system; the withdrawal acceptance response forwarding step: the bank card organization system forwards the withdrawal acceptance response to the acceptance banking system; the banknote notification step: accepts the bank system according to the withdrawal of the withdrawal The payment notification corresponds to the cash machine of the cash machine device information to perform the dispensing operation.

較佳地，在所述取款資訊獲取步驟之前，還具備：業務開通步驟：僅僅在初次開通業務時進行銀行卡帳戶、行動終端、以及行動支付系統的綁定。 Preferably, before the withdrawal information obtaining step, the method further includes: a service opening step: binding the bank card account, the mobile terminal, and the mobile payment system only when the service is first opened.

較佳地，在所述吐鈔通知步驟之後還具備：取款結果通知步驟：受理銀行系統將取款交易結果通知行動支付系統；取款結果轉發步驟：行動支付系統將該取款交易結果通知行動終端。 Preferably, after the step of dispensing the money, the method further comprises: a withdrawal result notification step: the acceptance banking system notifies the action payment system of the withdrawal transaction result; and the withdrawal result forwarding step: the mobile payment system notifies the action terminal of the withdrawal transaction result.

較佳地，在所述取款資訊獲取步驟之前，還具備：業務綁定步驟：將銀行卡帳戶、行動終端、以及行動支付系統進行綁定。 Preferably, before the withdrawal information obtaining step, the method further includes: a service binding step: binding the bank card account, the mobile terminal, and the mobile payment system.

較佳地，在所述取款資訊獲取步驟中，使用 者在行動終端輸入取款帳戶、金額、交易密碼中的至少一個或多個的取款資訊。 Preferably, in the withdrawal information acquisition step, the use The mobile terminal inputs the withdrawal information of at least one or more of the withdrawal account, the amount, and the transaction password.

本發明的基於NFC功能的取款系統，其特徵在於，包括：行動終端、行動支付系統、取款機、受理銀行系統、銀行卡組織系統、發卡銀行系統，所述行動終端具備：用於執行取款業務的第一取款模組、執行與取款機之間基於NFC的資料通訊的第一NFC通訊模組、以及用於對基於NFC的資料通訊進行安全加密的第一安全加密模組，所述取款機具備：用於執行取款處理的第二取款模組、用於執行與所述行動終端之間基於NFC的資料通訊的第二NFC通訊模組、以及用於對基於NFC的資料通訊進行安全加密的第二安全加密模組。 The NFC function-based withdrawal system of the present invention is characterized in that it comprises: a mobile terminal, a mobile payment system, a cash withdrawal machine, an acceptance banking system, a bank card organization system, a card issuing bank system, and the mobile terminal has: for performing a withdrawal service a first withdrawal module, a first NFC communication module for performing NFC-based data communication with the cash machine, and a first security encryption module for securely encrypting the NFC-based data communication, the cash machine A second withdrawal module for performing a withdrawal process, a second NFC communication module for performing NFC-based data communication with the mobile terminal, and a security encryption for NFC-based data communication The second security encryption module.

較佳地，所述行動終端的第一取款模組用於獲取取款資訊，所述行動終端的第一NFC通訊模組用於將所述取款資訊發送給所述取款機的第二NFC通訊模組；所述取款機的第二取款模組用於從所述取款機的第二NFC通訊模組獲得取款請求並且將該取款請求發送到受理銀行系統，另一方面，所述取款機的第二取款模組用於根據下述的取款承兌應答執行吐鈔動作，所述受理銀行系統用於對取款請求進行合法性判斷並且在判斷取款請求合法的前提下將取款請求轉發給銀行卡組織系統，另一方面，當從所述銀行卡組織系統收到返回的取款承兌應答的情況下將取款承兌應答轉發到取款機的第二取款模組，所述銀 行卡組織系統用於將來自受理銀行系統的取款請求轉發到發卡銀行系統，並且在從所述發卡銀行系統收到取款承兌應答的情況下將取款承兌應答轉發到受理銀行系統；所述發卡銀行系統用於對取款交易進行判斷並且向所述銀行卡組織返回取款承兌應答。 Preferably, the first withdrawal module of the mobile terminal is configured to acquire the withdrawal information, and the first NFC communication module of the mobile terminal is configured to send the withdrawal information to the second NFC communication mode of the cash machine. The second withdrawal module of the cash machine is configured to obtain a withdrawal request from the second NFC communication module of the cash machine and send the withdrawal request to the acceptance banking system, and on the other hand, the cash machine The second withdrawal module is configured to perform a money dispensing operation according to the withdrawal acceptance response described below, wherein the acceptance banking system is configured to judge the legality of the withdrawal request and forward the withdrawal request to the bank card organization system on the premise that the withdrawal request is legal On the other hand, when receiving the returned withdrawal acceptance response from the bank card organization system, the withdrawal acceptance response is forwarded to the second withdrawal module of the cash machine, the silver The line card organization system is configured to forward the withdrawal request from the acceptance banking system to the card issuing bank system, and forward the withdrawal acceptance response to the acceptance banking system if the withdrawal acceptance response is received from the issuing bank system; the issuing bank The system is for judging the withdrawal transaction and returning a withdrawal acceptance response to the bank card organization.

較佳地，所述行動終端的第一取款模組用於將銀行卡帳戶、行動終端、以及行動支付系統進行綁定。 Preferably, the first withdrawal module of the mobile terminal is used to bind the bank card account, the mobile terminal, and the mobile payment system.

較佳地，所述取款資訊包括取款帳戶、金額、交易密碼中的至少一個或多個。 Preferably, the withdrawal information includes at least one or more of a withdrawal account, an amount, and a transaction password.

較佳地，所述取款機的第二取款模組還用於在完成取款後將取款交易結果透過所述取款機的第二NFC通訊模組、所述行動終端的第一NFC通訊模組發送給所述行動終端的第一取款模組，所述行動終端的第一取款模組還用於將該取款交易結果通知所述行動支付系統。 Preferably, the second withdrawal module of the cash dispenser is further configured to send the withdrawal transaction result to the second NFC communication module of the cash machine and the first NFC communication module of the mobile terminal after the withdrawal is completed. And the first withdrawal module of the mobile terminal is further configured to notify the mobile payment system of the withdrawal transaction result.

較佳地，所述行動終端的第一取款模組用於獲取取款資訊並且用於透過所述行動終端的第一NFC通訊模組、第一安全加密模組獲取所述取款機的取款機設備資訊，所述行動終端的第一NFC通訊模組用於將所述取款資訊和所述取款機設備資訊發送給所述行動支付系統；所述行動支付系統用於從所述行動終端獲取所述取款資訊和所述取款機設備資訊並且作為取款請求發送給受理銀行系統，所述受理銀行系統用於對取款請求進行合法性判斷並且在判斷取款請求合法的前提下將取款請求轉發給銀行卡組織系統，另一方面，當從所述銀行卡組織系統收到返 回的取款承兌應答的情況下將取款承兌應答轉發到取款機的第二取款模組，所述銀行卡組織系統用於將來自受理銀行系統的取款請求轉發到發卡銀行系統，並且在從所述發卡銀行系統收到取款承兌應答的情況下將取款承兌應答轉發到受理銀行系統；所述發卡銀行系統用於對取款交易進行判斷並且向所述銀行卡組織系統返回取款承兌應答。 Preferably, the first withdrawal module of the mobile terminal is configured to acquire the withdrawal information and obtain the cash dispenser device of the cash machine through the first NFC communication module and the first security encryption module of the mobile terminal. Information, the first NFC communication module of the mobile terminal is configured to send the withdrawal information and the cash machine information to the mobile payment system; the mobile payment system is configured to acquire the mobile terminal from the mobile terminal The withdrawal information and the cash machine equipment information are sent to the acceptance banking system as a withdrawal request, and the acceptance banking system is configured to judge the legality of the withdrawal request and forward the withdrawal request to the bank card organization on the premise that the withdrawal request is legal System, on the other hand, when receiving a return from the bank card organization system In the case of a withdrawal withdrawal response, the withdrawal acceptance response is forwarded to a second withdrawal module of the cash machine, the bank card organization system for forwarding the withdrawal request from the acceptance banking system to the issuing bank system, and The card issuing bank system forwards the withdrawal acceptance response to the acceptance banking system in the case of receiving the withdrawal acceptance response; the card issuing bank system is configured to judge the withdrawal transaction and return a withdrawal acceptance response to the bank card organization system.

較佳地，所述行動終端的第一取款模組用於將銀行卡帳戶、行動終端、以及行動支付系統進行綁定。 Preferably, the first withdrawal module of the mobile terminal is used to bind the bank card account, the mobile terminal, and the mobile payment system.

較佳地，所述取款資訊包括取款帳戶、金額、交易密碼中的至少一個或多個。 Preferably, the withdrawal information includes at least one or more of a withdrawal account, an amount, and a transaction password.

較佳地，所述行動支付系統還用於在所述取款機的第二取款模組完成吐鈔動作之後將取款交易結果發送給所述行動終端的第一取款模組。 Preferably, the mobile payment system is further configured to send the withdrawal transaction result to the first withdrawal module of the mobile terminal after the second withdrawal module of the cash dispenser completes the dispensing operation.

本發明的基於NFC功能的取款機，其特徵在於，具備：用於執行取款處理的第二取款模組；用於執行基於NFC的資料通訊的第二NFC通訊模組；以及用於對基於NFC的資料通訊進行安全加密的第二安全加密模組。 The NFC-based cash dispenser of the present invention is characterized by comprising: a second withdrawal module for performing a withdrawal process; a second NFC communication module for performing NFC-based data communication; and for NFC-based The data communication is carried out for secure encryption of the second secure encryption module.

利用上述本發明的基於NFC功能的取款方法以及基於NFC功能的取款系統，能夠獲得以下優點：(1)沒有業務限制：持卡人不需要如辦理傳統取款業務那樣必須隨身攜帶銀行卡實體卡片，能夠給持卡人帶 來使用上的便捷性；(2)提高了安全性：能夠避免被不法份子安裝的非法設備盜取銀行卡，或者在持卡人輸入密碼時竊取銀行卡密碼，能夠提高安全性。 By using the NFC-based withdrawal method and the NFC-based withdrawal system of the present invention, the following advantages can be obtained: (1) There is no business restriction: the cardholder does not need to carry the bank card physical card with the traditional withdrawal service. Able to bring to the cardholder Convenience in use; (2) Improved security: It can avoid theft of bank cards by illegal devices installed by illegal agents, or steal the bank card password when the cardholder enters the password, which can improve security.

因此，本發明的基於NFC功能的取款方法以及基於NFC功能的取款系統能夠有效解決傳統取款業務的必須提供實體銀行卡的限制以及由此導致的安全問題，可以為持卡人基於NFC提供一種安全、方便的取款方式。 Therefore, the NFC-based withdrawal method and the NFC-based withdrawal system of the present invention can effectively solve the limitation that the traditional withdrawal service must provide a physical bank card and the resulting security problem, and can provide a security for the cardholder based on NFC. Convenient withdrawal method.

100‧‧‧行動終端 100‧‧‧ mobile terminal

101‧‧‧第一取款模組 101‧‧‧First withdrawal module

102‧‧‧第一NFC通訊模組 102‧‧‧First NFC Communication Module

103‧‧‧第一安全加密模組 103‧‧‧First Security Encryption Module

200‧‧‧取款機 200‧‧‧ cash machine

201‧‧‧第二取款模組 201‧‧‧Second withdrawal module

202‧‧‧第二NFC通訊模組 202‧‧‧Second NFC communication module

203‧‧‧第二安全加密模組 203‧‧‧Second Security Encryption Module

300‧‧‧受理銀行系統 300‧‧‧Accepting the banking system

400‧‧‧銀行卡組織系統 400‧‧‧Bank Card Organization System

500‧‧‧發卡銀行系統 500‧‧‧ Issuance Banking System

600‧‧‧行動支付系統 600‧‧‧Mobile Payment System

圖1是表示本發明的基於NFC功能的取款系統的總方塊架圖。 BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1 is a view showing a general block diagram of an NFC-based dispensing system of the present invention.

圖2是表示本發明的帶NFC功能的行動終端100的構造示意圖。 Fig. 2 is a block diagram showing the configuration of an NFC-enabled mobile terminal 100 of the present invention.

圖3是表示本發明的帶NFC功能的取款機200的構造示意圖。 Fig. 3 is a view showing the configuration of a cash dispenser 200 with an NFC function according to the present invention.

圖4是表示本發明的帶NFC功能的取款機200的外觀示意圖。 Fig. 4 is a perspective view showing the appearance of the cash dispenser 200 with an NFC function of the present invention.

圖5是表示本發明的第一種模式的基於NFC功能的取款方法的流程圖。 Fig. 5 is a flow chart showing a method of withdrawing money based on the NFC function of the first mode of the present invention.

圖6是表示本發明的第二種模式的基於NFC功能的取款方法的流程圖。 Fig. 6 is a flow chart showing a method of withdrawing money based on the NFC function of the second mode of the present invention.

下面介紹的是本發明的多個實施例中的一些，旨在提供對本發明的基本瞭解。並不旨在確認本發明的關鍵或決定性的要素或限定所要保護的範圍。 The following are some of the various embodiments of the invention, which are intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or the scope of the invention.

在對本發明的基於NFC功能的取款方法、取款系統以及取款機進行說明之前，先簡單介紹NFC功能。 Before describing the NFC-based withdrawal method, the withdrawal system, and the cash dispenser of the present invention, the NFC function will be briefly introduced.

NFC英文全稱Near Field Communication，近場通訊，是一項較新的無線技術。NFC由非接觸式射頻識別(RFID)及互聯互通技術整合演變而來，在單一晶片上結合感應式讀卡器、感應式卡片和點對點的功能，能在短距離內與相容設備進行識別和資料交換。這項技術最初只是RFID技術和網路技術的簡單合併，現在已經演變成一種短距離無線通訊技術，發展態勢相當迅速。 NFC English full name Near Field Communication, near field communication, is a relatively new wireless technology. NFC evolved from the integration of contactless radio frequency identification (RFID) and interoperability technologies, combining inductive readers, inductive cards and point-to-point functions on a single chip to identify and match compatible devices over short distances. Exchange of information. Originally a simple merger of RFID technology and network technology, this technology has evolved into a short-range wireless communication technology, and the development trend is quite rapid.

與RFID不同的是，NFC具有雙向連接和識別的特點，工作於13.56MHz頻率範圍，作用距離10釐米左右。NFC技術在ISO 18092、ECMA 340和ETSI TS 102190架構下推動標準化，同時也相容應用廣泛的ISO 14443 Type-A、B以及Felica標準非接觸式智慧卡的基礎架構。 Different from RFID, NFC has the characteristics of two-way connection and identification. It works in the frequency range of 13.56MHz and the working distance is about 10 centimeters. NFC technology promotes standardization under the ISO 18092, ECMA 340 and ETSI TS 102190 architectures, and is also compatible with the widely used ISO 14443 Type-A, B and Felica standard contactless smart card infrastructure.

NFC晶片裝在手機上，手機就可以實現小額電子支付和讀取其他NFC設備或標籤的資訊。NFC的短距離交互大大簡化整個認證識別過程，使電子設備間互相訪問更直接、更安全和更清楚。透過NFC，電腦、數碼相 機、手機、PDA等多個設備之間可以很方便快捷地進行無線連接，進而實現資料交換和服務。 The NFC chip is mounted on a mobile phone, and the mobile phone can realize small electronic payment and read information of other NFC devices or tags. NFC's short-range interaction greatly simplifies the entire authentication process, making it easier, safer, and clearer for electronic devices to access each other. Through NFC, computer, digital phase Wireless connection can be conveniently and quickly carried out between multiple devices such as a mobile phone, a mobile phone, and a PDA, thereby realizing data exchange and service.

與RFID一樣，NFC資訊也是透過頻譜中無線頻率部分的電磁感應耦合方式傳遞，但兩者之間還是存在很大的區別。首先，NFC是一種提供輕鬆、安全、迅速的通信的無線連接技術，其傳輸範圍比RFID小，RFID的傳輸範圍可以達到幾米、甚至幾十米，但由於NFC採取了獨特的信號衰減技術，相對於RFID來說NFC具有距離近、頻寬高、能耗低等特點。其次，NFC與現有非接觸智慧卡技術相容，目前已經成為得到越來越多主要廠商支援的正式標準。再次，NFC還是一種近距離連線協定，提供各種設備間輕鬆、安全、迅速而自動的通信。與無線世界中的其他連接方式相比，NFC是一種近距離的私密通信方式。 Like RFID, NFC information is also transmitted through the electromagnetic induction coupling of the radio frequency portion of the spectrum, but there is still a big difference between the two. First of all, NFC is a wireless connection technology that provides easy, secure and fast communication. Its transmission range is smaller than that of RFID. The transmission range of RFID can reach several meters or even tens of meters. However, because NFC adopts unique signal attenuation technology, it is relatively In terms of RFID, NFC has the characteristics of close distance, high bandwidth and low energy consumption. Second, NFC is compatible with existing contactless smart card technology and has become the official standard supported by more and more major vendors. Once again, NFC is a close-range connection protocol that provides easy, secure, fast and automatic communication between devices. Compared to other connections in the wireless world, NFC is a close-range, private communication method.

同時，NFC還優於紅外和藍牙傳輸方式。作為一種面向消費者的交易機制，NFC比紅外更快、更可靠而且簡單得多。與藍牙相比，NFC面向近距離交易，適用於交換財務資訊或敏感的個人資訊等重要資料。 At the same time, NFC is also superior to infrared and Bluetooth transmission. As a consumer-oriented trading mechanism, NFC is faster, more reliable, and much simpler than infrared. Compared with Bluetooth, NFC is suitable for close-range transactions and is suitable for exchanging important information such as financial information or sensitive personal information.

接著，對於本發明的基於NFC功能的取款方法以及取款系統進行說明。 Next, the NFC function-based withdrawal method and the withdrawal system of the present invention will be described.

圖1是表示本發明的基於NFC功能的取款系統的總方塊架圖。 BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1 is a view showing a general block diagram of an NFC-based dispensing system of the present invention.

如圖1所示，本發明的基於NFC功能的取款系統主要包括：帶NFC功能的行動終端100(以下簡稱為 “行動終端”)、帶NFC功能的取款機200(以下簡稱為“取款機”)、受理銀行系統300、銀行卡組織系統400、發卡銀行系統500以及行動支付系統600。行動支付系統600負責行動支付交易的處理，並與受理銀行、發卡銀行系統進行通訊。受理銀行系統300、銀行卡組織系統400以及發卡銀行系統500分別對應於受理銀行、銀行卡組織以及發卡銀行的交易系統。 As shown in FIG. 1 , the NFC-based withdrawal system of the present invention mainly includes: an action terminal 100 with an NFC function (hereinafter referred to as "Mobile terminal"), cash machine 200 with NFC function (hereinafter referred to as "cash machine"), acceptance banking system 300, bank card organization system 400, issuing bank system 500, and mobile payment system 600. The mobile payment system 600 is responsible for handling the payment transaction and communicating with the receiving bank and the issuing bank system. The acceptance banking system 300, the bank card organization system 400, and the card issuing bank system 500 respectively correspond to the transaction systems of the acceptance bank, the bank card organization, and the issuing bank.

圖2是表示本發明的帶NFC功能的行動終端100的構造示意圖。如圖2所示，本發明的帶NFC功能的行動終端100具備：用於執行取款業務的第一取款模組101、執行與取款機之間基於NFC的資料通訊的第一NFC通訊模組102、以及用於對基於NFC的資料通訊進行安全加密的第一安全加密模組103。 Fig. 2 is a block diagram showing the configuration of an NFC-enabled mobile terminal 100 of the present invention. As shown in FIG. 2, the NFC-enabled mobile terminal 100 of the present invention includes: a first withdrawal module 101 for executing a withdrawal service, and a first NFC communication module 102 for performing NFC-based data communication with the cash dispenser. And a first secure encryption module 103 for securely encrypting the NFC-based data communication.

圖3是表示本發明的帶NFC功能的取款機200的構造示意圖。如圖3所示，本發明的帶NFC功能的取款機200具備：用於執行取款處理的第二取款模組201、用於執行與所述行動終端之間基於NFC的資料通訊的第二NFC通訊模組202、以及用於對基於NFC的資料通訊進行安全加密的第二安全加密模組203。 Fig. 3 is a view showing the configuration of a cash dispenser 200 with an NFC function according to the present invention. As shown in FIG. 3, the NFC-enabled cash machine 200 of the present invention includes: a second withdrawal module 201 for performing a withdrawal process, and a second NFC for performing NFC-based data communication with the mobile terminal. The communication module 202 and the second security encryption module 203 for securely encrypting the NFC-based data communication.

圖4是表示本發明的帶NFC功能的取款機200的外觀示意圖。如圖3所示，本發明的帶NFC功能的取款機200外觀上除了擁有傳統取款機所具備的顯示幕幕、吐鈔口、銀行卡插槽、密碼鍵盤外，還增加了NFC天線區域。 Fig. 4 is a perspective view showing the appearance of the cash dispenser 200 with an NFC function of the present invention. As shown in FIG. 3, the NFC-enabled cash machine 200 of the present invention has an appearance of an NFC antenna area in addition to a display screen, a spout port, a bank card slot, and a PIN pad provided by the conventional cash dispenser.

本發明的基於NFC功能的取款方法，首先總體上可以分為：“業務開通”、“取款交易”兩個步驟。 The NFC-based withdrawal method of the present invention can be generally divided into two steps: “business opening” and “withdrawal transaction”.

(一)業務開通：持卡人需要持有帶NFC功能的行動終端，向髮卡機構申請開通行動支付業務及行動支付取款業務，可能還需要形成契約關係。下載並安裝行動支付手機端軟體及行動支付取款業務模組，綁定相應銀行卡。這裡的“業務開通”對應於申請專利範圍中記載的“業務開通步驟”，該步驟僅在初次使用之前進行一次綁定，在以後的取款過程中不需要再進行該業務開通步驟。 (I) Business opening: Cardholders need to hold an NFC-enabled mobile terminal, apply to the card issuer for the opening of the mobile payment service and the action payment withdrawal service, and may also need to form a contractual relationship. Download and install the mobile payment mobile software and mobile payment withdrawal service module, and bind the corresponding bank card. Here, the "business opening" corresponds to the "business opening procedure" described in the scope of the patent application, and the step is performed only once before the initial use, and the business opening step is not required in the subsequent withdrawal process.

(二)取款交易：根據發起交易的方式不同，可以透過兩種模式之一發起取款交易：第一種模式是取款機發起交易模式，第二種模式是行動支付系統發起交易模式。 (2) Withdrawal transaction: According to the way of initiating the transaction, the withdrawal transaction can be initiated through one of two modes: the first mode is that the cash machine initiates the transaction mode, and the second mode is the mobile payment system initiates the transaction mode.

首先，對於第一種模式即取款機發起交易模式進行說明。 First, the first mode, that is, the cash machine initiates a transaction mode.

圖5是表示本發明的第一種模式的基於NFC功能的取款方法的流程圖。 Fig. 5 is a flow chart showing a method of withdrawing money based on the NFC function of the first mode of the present invention.

本發明的第一種模式的基於NFC功能的取款方法是透過在行動終端100與取款機200之間基於NFC建立加密的秘密頻道，發起行動支付取款請求，交易承兌取款機吐鈔，為持卡人提供安全的行動支付取款業務功能。具體的技術方案如圖5所示包括：步驟1：持卡人在行動終端100上進入取款業務模組，選擇取款帳戶，輸入取款要素資訊，例如：取款金 額、交易密碼，並確認取款資訊正確；步驟2：持卡人將行動終端100靠近取款機200的NFC天線區域，向取款機200發起取款交易請求；步驟3：取款機200向受理銀行系統300提交該取款交易請求；步驟4：受理銀行系統300對該取款交易請求進行合法性判斷；步驟5：受理銀行系統300向銀行卡組織系統400發起基於該取款交易請求的取款機(ATM)取現請求；步驟6：銀行卡組織系統400向發卡銀行系統500轉發ATM取現請求；步驟7：發卡銀行系統500對ATM取現請求進行判斷，向銀行卡組織系統400返回ATM取現應答；步驟8：銀行卡組織系統400向受理銀行系統300轉發ATM取現應答；步驟9：受理銀行系統300根據ATM取現應答進行交易承兌並且向取款機200發出吐鈔指令；步驟10：取款機200根據吐鈔指令執行吐鈔，將交易結果在螢幕顯示，並且將交易結果透過NFC秘密頻道將交易結果通知行動終端100；步驟11：行動終端100根據需要將交易結果通知行動支付系統600(可選步驟)。 The NFC function-based withdrawal method of the first mode of the present invention is to initiate an action payment withdrawal request by establishing an encrypted secret channel based on NFC between the mobile terminal 100 and the cash machine 200, and the transaction accepts the cash withdrawal machine to dispense the card. People provide safe action to pay for withdrawals. The specific technical solution is as shown in FIG. 5: Step 1: The cardholder enters the withdrawal service module on the mobile terminal 100, selects the withdrawal account, and inputs the withdrawal element information, for example: withdrawal money The amount, the transaction password, and the confirmation of the withdrawal information are correct; Step 2: The cardholder approaches the mobile terminal 100 to the NFC antenna area of the cash machine 200, and initiates a withdrawal transaction request to the cash machine 200; Step 3: The cash machine 200 goes to the acceptance banking system 300 Submitting the withdrawal transaction request; Step 4: The acceptance banking system 300 makes a legality judgment on the withdrawal transaction request; Step 5: The acceptance banking system 300 initiates an ATM (ATM) withdrawal request based on the withdrawal transaction request to the bank card organization system 400. Step 6: The bank card organization system 400 forwards the ATM cash withdrawal request to the card issuing bank system 500; Step 7: The card issuing bank system 500 determines the ATM cash withdrawal request, and returns an ATM cash withdrawal response to the bank card organization system 400; Step 8: Bank card organization The system 400 forwards the ATM cashout response to the acceptance banking system 300; Step 9: The acceptance banking system 300 performs a transaction acceptance based on the ATM cashout response and issues a dispensing instruction to the cash dispenser 200; Step 10: The cash dispenser 200 performs the dispensing of the money according to the dispensing instructions. Display the results of the transaction on the screen and notify the transaction result of the transaction result through the NFC secret channel. 100; Step 11: Action terminal 100 transaction results need to notify 600 (optional step) mobile payment system based on.

在上述第一種方式的取款交易中，不需要在取款機中***銀行卡，也不需要在取款機中輸入銀行卡密 碼，因此，不會被不法分子設置在取款機上的盜取設備盜取銀行卡、以及銀行卡密碼，而且，由於在取款時不需要攜帶銀行卡實體卡片，因此提高了使用的便攜性。 In the withdrawal transaction of the first mode described above, it is not necessary to insert a bank card in the cash machine, and it is not necessary to input the bank card secret in the cash machine. Therefore, the stolen device that is not installed by the criminal on the cash machine steals the bank card and the bank card password, and the portability of the use is improved because the bank card physical card does not need to be carried at the time of withdrawal.

接著，對於第二種方式即行動支付系統發起交易模式進行說明。 Next, the second mode, that is, the mobile payment system initiates a transaction mode.

圖6是表示本發明的第二種模式的基於NFC功能的取款方法的流程圖。 Fig. 6 is a flow chart showing a method of withdrawing money based on the NFC function of the second mode of the present invention.

本發明的第二種模式的基於NFC功能的取款方法是行動終端100透過其的第一NFC通訊模組101獲取取款機200的設備資訊，透過行動支付系統600發起行動支付取款請求，交易承兌取款機吐鈔，為持卡人提供安全的行動支付取款業務功能。具體的技術方案如圖6所示包括：步驟1：持卡人在行動終端100上進入取款業務模組，選擇取款帳戶，輸入取款要素資訊，例如：取款金額、交易密碼，並確認取款資訊正確；步驟2：持卡人將行動終端100靠近取款機的NFC讀卡端，行動終端100的第一取款模組101透過第一NFC通訊模組102以及第一安全加密模組103獲取取款機200的設備資訊；步驟3：行動終端100的第一取款模組101向後臺行動支付系統600發起取款交易請求；步驟4：行動支付系統600向受理銀行系統300提交取款交易請求； 步驟5：受理銀行系統300對交易請求進行合法性判斷並確認取款機聯通性；步驟6：受理銀行系統300向銀行卡組織系統400發起ATM取現請求；步驟7：銀行卡組織系統400向發卡銀行系統500轉發ATM取現請求；步驟8：發卡銀行系統500對交易進行判斷，並向銀行卡組織系統400返回ATM取現應答；步驟9：銀行卡組織系統400向受理銀行系統300轉發ATM取現應答；步驟10：受理銀行系統300進行交易承兌並向取款機200發出吐鈔指令，取款機200執行吐鈔並在螢幕顯示交易結果；步驟11：受理銀行系統300將交易結果通知行動支付系統600；步驟12：行動支付系統600將交易結果通知行動終端100。 The NFC function-based withdrawal method of the second mode of the present invention is that the mobile terminal 100 obtains the device information of the cash dispenser 200 through the first NFC communication module 101 of the mobile terminal 100, and initiates an action payment withdrawal request through the mobile payment system 600, and the transaction accepts the withdrawal and withdrawal. The machine dispenses money and provides the cardholder with a safe action to pay the withdrawal business function. The specific technical solution is as shown in FIG. 6 : Step 1: The cardholder enters the withdrawal service module on the mobile terminal 100, selects the withdrawal account, and inputs the withdrawal element information, for example, the withdrawal amount, the transaction password, and confirms that the withdrawal information is correct. Step 2: The cardholder approaches the mobile terminal 100 to the NFC card reader end of the cash machine, and the first withdrawal module 101 of the mobile terminal 100 acquires the cash dispenser 200 through the first NFC communication module 102 and the first security encryption module 103. Device information; Step 3: The first withdrawal module 101 of the mobile terminal 100 initiates a withdrawal transaction request to the background mobile payment system 600; Step 4: The mobile payment system 600 submits a withdrawal transaction request to the acceptance banking system 300; Step 5: The acceptance banking system 300 makes a legality judgment on the transaction request and confirms the cash machine connectivity; Step 6: The acceptance banking system 300 initiates an ATM cash withdrawal request to the bank card organization system 400; Step 7: The bank card organization system 400 sends the card to the issuing bank The system 500 forwards the ATM cash withdrawal request; Step 8: The card issuing bank system 500 determines the transaction and returns an ATM cash withdrawal response to the bank card organization system 400; Step 9: The bank card organization system 400 forwards the ATM cash withdrawal response to the acceptance banking system 300; 10: accepting the banking system 300 to perform the transaction acceptance and issuing a dispensing instruction to the cash dispenser 200, the cash dispenser 200 performs the dispensing and displays the transaction result on the screen; Step 11: the receiving banking system 300 notifies the transaction payment system 600 of the transaction result; The action payment system 600 notifies the mobile terminal 100 of the transaction result.

在上述的第二種方式的取款交易中，同樣也不需要在取款機中***銀行卡，而且也不需要在取款機中輸入銀行卡密碼，因此，不會被不法分子設置在取款機上的盜取設備盜取銀行卡、以及銀行卡密碼，而且，由於在取款時不需要攜帶銀行卡實體卡片，因此提高了使用的便攜性。 In the withdrawal transaction of the second mode described above, it is also unnecessary to insert a bank card in the cash machine, and it is not necessary to input the bank card password in the cash machine, and therefore, it is not set by the criminal on the cash machine. The stolen device steals the bank card and the bank card password, and since it does not need to carry the bank card physical card at the time of withdrawal, the portability of use is improved.

接著，對於完成上述第一模式和第二模式的 取款方法的取款系統再進行一下具體說明。 Next, for completing the first mode and the second mode described above The withdrawal system of the withdrawal method will be further described.

如已經說明過的，本發明的基於NFC功能的取款系統主要包括：行動終端100、取款機200、受理銀行系統300、銀行卡組織系統400、發卡銀行系統500以及行動支付系統600。行動終端100具備：用於執行取款業務的第一取款模組101、執行與取款機之間基於NFC的資料通訊的第一NFC通訊模組102、以及用於對基於NFC的資料通訊進行安全加密的第一安全加密模組103。取款機200具備：用於執行取款處理的第二取款模組201、用於執行與所述行動終端之間基於NFC的資料通訊的第二NFC通訊模組202、以及用於對基於NFC的資料通訊進行安全加密的第二安全加密模組203。 As already explained, the NFC function-based withdrawal system of the present invention mainly comprises: a mobile terminal 100, a cash machine 200, an acceptance banking system 300, a bank card organization system 400, a card issuing bank system 500, and a mobile payment system 600. The mobile terminal 100 includes: a first withdrawal module 101 for executing a withdrawal service, a first NFC communication module 102 for performing NFC-based data communication with the cash machine, and secure encryption for NFC-based data communication. The first security encryption module 103. The cash machine 200 includes: a second withdrawal module 201 for performing a withdrawal process, a second NFC communication module 202 for performing NFC-based data communication with the mobile terminal, and for NFC-based data The second security encryption module 203 is configured to perform security encryption.

在完成上述第一模式的取款方法的情況下，行動終端100的第一取款模組101用於獲取取款資訊，行動終端101的第一NFC通訊模組102用於將取款資訊發送給取款機200的第二NFC通訊模組202。 The first withdrawal module 101 of the mobile terminal 100 is configured to acquire the withdrawal information, and the first NFC communication module 102 of the mobile terminal 101 is configured to send the withdrawal information to the cash dispenser 200. The second NFC communication module 202.

取款機200的第二取款模組201用於從取款機200的第二NFC通訊模組202獲得取款請求並且將該取款請求發送到受理銀行系統300，另一方面，取款機200的第二取款模組201用於根據下述的取款承兌應答執行吐鈔動作。 The second withdrawal module 201 of the cash dispenser 200 is configured to obtain a withdrawal request from the second NFC communication module 202 of the cash dispenser 200 and transmit the withdrawal request to the acceptance banking system 300. On the other hand, the second withdrawal of the cash dispenser 200 The module 201 is configured to perform a money dispensing operation according to the withdrawal acceptance response described below.

受理銀行系統300用於對取款請求進行合法性判斷並且在判斷取款請求合法的前提下將取款請求轉發給銀行卡組織系統400，另一方面，當從銀行卡組織系統 400收到返回的取款承兌應答的情況下將取款承兌應答轉發到取款機200的第二取款模組201，銀行卡組織系統400用於將來自受理銀行系統300的取款請求轉發到發卡銀行系統500，並且在從發卡銀行系統500收到取款承兌應答的情況下將取款承兌應答轉發到受理銀行系統300。 The acceptance banking system 300 is configured to judge the legality of the withdrawal request and forward the withdrawal request to the bank card organization system 400 on the premise that the withdrawal request is legal, and on the other hand, when the system is organized from the bank card Upon receiving the returned withdrawal acceptance response, the 400 forwards the withdrawal acceptance response to the second withdrawal module 201 of the cash machine 200, and the bank card organization system 400 is configured to forward the withdrawal request from the acceptance banking system 300 to the issuing bank system 500. And, upon receipt of the withdrawal acceptance response from the issuing bank system 500, the withdrawal acceptance response is forwarded to the acceptance banking system 300.

發卡銀行系統500用於對取款交易進行判斷並且向銀行卡組織系統400返回取款承兌應答。 The card issuing bank system 500 is for judging the withdrawal transaction and returning a withdrawal acceptance response to the bank card organization system 400.

行動終端100的第一取款模組101還用於將銀行卡帳戶、行動終端、以及行動支付系統進行綁定。其中，所述取款資訊包括取款帳戶、金額、交易密碼中的至少一個或多個。 The first withdrawal module 101 of the mobile terminal 100 is also used to bind the bank card account, the mobile terminal, and the mobile payment system. The withdrawal information includes at least one or more of a withdrawal account, an amount, and a transaction password.

再者，取款機200的第二取款模組201還用於在完成取款後將取款交易結果透過取款機200的第二NFC通訊模組202、行動終端100的第一NFC通訊模組102發送給行動終端100的第一取款模組101，行動終端100的第一取款模組101還用於將該取款交易結果通知行動支付系統600。 Furthermore, the second withdrawal module 201 of the cash dispenser 200 is further configured to send the withdrawal transaction result to the second NFC communication module 202 of the cash machine 200 and the first NFC communication module 102 of the mobile terminal 100 after the withdrawal is completed. The first withdrawal module 101 of the mobile terminal 100 and the first withdrawal module 101 of the mobile terminal 100 are further configured to notify the mobile payment system 600 of the withdrawal transaction result.

另一方面，在完成上述第二模式的取款方法的情況下，行動終端100的第一取款模組101用於獲取取款資訊並且用於透過行動終端100的第一NFC通訊模組102、第一安全加密模組103獲取取款機200的取款機設備資訊，行動終端100的第一NFC通訊模組102用於將取款資訊和取款機設備資訊發送給行動支付系統600。 On the other hand, in the case that the withdrawal method of the second mode is completed, the first withdrawal module 101 of the mobile terminal 100 is configured to acquire the withdrawal information and is used to transmit the first NFC communication module 102 of the mobile terminal 100. The security encryption module 103 acquires the cash dispenser device information of the cash dispenser 200. The first NFC communication module 102 of the mobile terminal 100 is configured to send the withdrawal information and the cash dispenser device information to the mobile payment system 600.

行動支付系統600用於從行動終端100獲取 上述取款資訊和取款機設備資訊並且作為取款請求發送給受理銀行系統300。進一步，行動支付系統600還用於在取款機200的第二取款模組201完成吐鈔動作之後將取款交易結果發送給行動終端100的第一取款模組101。 The mobile payment system 600 is used to obtain from the mobile terminal 100 The withdrawal information and the cash machine information are sent to the acceptance banking system 300 as a withdrawal request. Further, the mobile payment system 600 is further configured to send the withdrawal transaction result to the first withdrawal module 101 of the mobile terminal 100 after the second withdrawal module 201 of the cash dispenser 200 completes the dispensing operation.

受理銀行系統300用於對取款請求進行合法性判斷並且在判斷取款請求合法的前提下將取款請求轉發給銀行卡組織系統400，另一方面，當從銀行卡組織系統400收到返回的取款承兌應答的情況下將取款承兌應答轉發到取款機200的第二取款模組201，銀行卡組織系統400用於將來自受理銀行系統300的取款請求轉發到發卡銀行系統500，並且在從發卡銀行系統500收到取款承兌應答的情況下將取款承兌應答轉發到受理銀行系統300。 The acceptance banking system 300 is configured to judge the legality of the withdrawal request and forward the withdrawal request to the bank card organization system 400 on the premise that the withdrawal request is legal, and on the other hand, receive the returned withdrawal acceptance from the bank card organization system 400. In the case of a response, the withdrawal acceptance response is forwarded to the second withdrawal module 201 of the cash machine 200, and the bank card organization system 400 is configured to forward the withdrawal request from the acceptance banking system 300 to the issuing bank system 500, and in the secondary issuing bank system Upon receipt of the withdrawal acceptance response, the 500 forwards the withdrawal acceptance response to the acceptance banking system 300.

發卡銀行系統500用於對取款交易進行判斷並且向銀行卡組織系統400返回取款承兌應答。 The card issuing bank system 500 is for judging the withdrawal transaction and returning a withdrawal acceptance response to the bank card organization system 400.

其中，行動終端100的第一取款模組101還用於將銀行卡帳戶、行動終端、以及行動支付系統進行綁定。這裡的取款資訊包括取款帳戶、金額、交易密碼中的至少一個或多個。 The first withdrawal module 101 of the mobile terminal 100 is further configured to bind the bank card account, the mobile terminal, and the mobile payment system. The withdrawal information here includes at least one or more of a withdrawal account, an amount, and a transaction password.

本發明的基於NFC功能的取款方法以及基於NFC功能的取款系統具有以下的優點：(1)沒有業務限制：持卡人不需要如辦理傳統取款業務那樣必須隨身攜帶銀行卡實體卡片，能夠給持卡人帶來使用上的便捷性；(2)提高了安全性：能夠避免被不法份子安裝的非 法設備盜取銀行卡，或者在持卡人輸入密碼時竊取銀行卡密碼，能夠提高安全性。 The NFC-based withdrawal method and the NFC-based withdrawal system of the present invention have the following advantages: (1) There is no business restriction: the cardholder does not need to carry the bank card entity card with the traditional withdrawal service, and can hold Cardholders bring convenience in use; (2) Improve security: avoid non-legal installations The law device steals the bank card, or steals the bank card password when the cardholder enters the password, which can improve security.

因此，本發明的基於NFC功能的取款方法以及基於NFC功能的取款系統能夠有效解決傳統取款業務的必須提供實體銀行卡的限制以及由此導致的安全問題，可以為持卡人基於NFC提供一種安全、方便的取款方式。 Therefore, the NFC-based withdrawal method and the NFC-based withdrawal system of the present invention can effectively solve the limitation that the traditional withdrawal service must provide a physical bank card and the resulting security problem, and can provide a security for the cardholder based on NFC. Convenient withdrawal method.

以上例子主要說明了本發明的基於NFC功能的取款方法以及基於NFC功能的取款系統。儘管只對其中一些本發明的具體實施方式進行了描述，但是本領域普通技術人員應當瞭解，本發明可以在不偏離其主旨與範圍內以許多其他的形式實施。因此，所展示的例子與實施方式被視為示意性的而非限制性的，在不脫離如所附各申請專利範圍所定義的本發明精神及範圍的情況下，本發明可能涵蓋各種的修改與替換。 The above examples mainly illustrate the NFC-based withdrawal method of the present invention and the NFC-based withdrawal system. Although only a few of the specific embodiments of the present invention have been described, it is understood that the invention may be embodied in many other forms without departing from the spirit and scope of the invention. The present examples and embodiments are to be considered as illustrative and not restrictive, and the invention may cover various modifications without departing from the spirit and scope of the invention as defined by the appended claims. With replacement.

100‧‧‧行動終端 100‧‧‧ mobile terminal

200‧‧‧取款機 200‧‧‧ cash machine

300‧‧‧受理銀行系統 300‧‧‧Accepting the banking system

400‧‧‧銀行卡組織系統 400‧‧‧Bank Card Organization System

500‧‧‧發卡銀行系統 500‧‧‧ Issuance Banking System

600‧‧‧行動支付系統 600‧‧‧Mobile Payment System

Claims (20)

一種基於近場通訊(NFC)功能的取款方法，是在具備NFC功能的行動終端和NFC功能的取款機之間基於NFC進行資料傳輸並且用來實現取款機與受理銀行系統、銀行卡組織系統以及發卡銀行系統之間的資料交換的方法，其特徵在於，該方法包括下述步驟：取款資訊獲取步驟：使用者透過具備NFC功能的行動終端獲取取款資訊並且利用行動終端具備的NFC功能將取款資訊發送給取款機；取款請求上送步驟：取款機向受理銀行系統發起基於該取款資訊的取款請求；取款請求驗證步驟：受理銀行系統對取款請求進行合法性判斷；取款請求轉發步驟：受理銀行系統在判斷取款請求合法的前提下將取款請求轉發給銀行卡組織系統，再由銀行卡組織系統轉發到發卡銀行系統；取款承兌應答步驟：發卡銀行系統驗證取款請求的合法性，並且在透過驗證後將取款承兌應答發送到銀行卡組織系統；取款承兌應答轉發步驟：銀行卡組織系統將取款承兌應答轉發到受理銀行系統；以及吐鈔通知步驟：受理銀行系統根據取款承兌應答通知取款機以執行吐鈔動作。 A near-field communication (NFC)-based withdrawal method is based on NFC for data transmission between an NFC-enabled mobile terminal and an NFC-enabled cash machine, and is used to implement a cash machine and an acceptance banking system, a bank card organization system, and The method for exchanging data between the issuing bank systems is characterized in that the method comprises the following steps: a withdrawal information acquisition step: the user acquires the withdrawal information through the NFC-enabled mobile terminal and uses the NFC function of the mobile terminal to collect the withdrawal information. Sending to the cash machine; the withdrawal request is sent: the cash withdrawal machine initiates a withdrawal request based on the withdrawal information to the acceptance banking system; the withdrawal request verification step: accepting the banking system to determine the legality of the withdrawal request; the withdrawal request forwarding step: accepting the banking system On the premise that the withdrawal request is legal, the withdrawal request is forwarded to the bank card organization system, and then transferred to the card issuing bank system by the bank card organization system; the withdrawal acceptance response step: the card issuing bank system verifies the legality of the withdrawal request, and after passing the verification Send a withdrawal acceptance response to Bank card organization system; teller acceptance step of forwarding the response: bank card organization will withdraw acceptance reply is forwarded to the admissibility of the banking system; and a dispenser notification step: accept bank teller machine system according to the responsive notification of acceptance to perform withdrawals dispenser action. 如申請專利範圍第1項所述的基於NFC功能的取 款方法，其中，在該取款資訊獲取步驟之前，還具備：業務開通步驟：僅僅在初次開通業務時進行銀行卡帳戶、行動終端、以及行動支付系統的綁定。 The NFC-based fetching as described in item 1 of the patent application scope The method, wherein before the withdrawal information obtaining step, the method further comprises: a service opening step: binding the bank card account, the mobile terminal, and the mobile payment system only when the service is first opened. 如申請專利範圍第2項所述的基於NFC功能的取款方法，其中，在該吐鈔通知步驟之後還具備：取款結果通知步驟：取款機將取款交易結果通知行動終端。 The NFC function-based withdrawal method according to claim 2, further comprising: a withdrawal result notification step after the money dispensing notification step: the cash dispenser notifies the mobile terminal of the withdrawal transaction result. 如申請專利範圍第1至3項中任一項所述的基於NFC功能的取款方法，其中，在該取款資訊獲取步驟中，使用者在行動終端輸入取款帳戶、金額、交易密碼中的至少一個或多個的取款資訊。 The NFC function-based withdrawal method according to any one of claims 1 to 3, wherein, in the withdrawal information acquisition step, the user inputs at least one of a withdrawal account, an amount, and a transaction password at the mobile terminal. Or multiple withdrawal information. 如申請專利範圍第4項所述的基於NFC功能的取款方法，其中，在該取款結果通知步驟中，該行動終端還將取款結果通知該行動支付系統。 The NFC function-based withdrawal method according to claim 4, wherein in the withdrawal result notification step, the mobile terminal notifies the mobile payment system of the withdrawal result. 一種基於近場通訊(NFC)功能的取款方法，是在具備NFC功能的行動終端和NFC功能的取款機之間基於NFC進行資料傳輸並且用來實現行動支付系統、取款機、受理銀行系統、銀行卡組織系統以及發卡銀行系統之間的資料交換的方法，其特徵在於，該方法包括下述步驟：取款資訊獲取步驟：使用者透過具備NFC功能的行 動終端獲取取款資訊並且利用行動終端具備的NFC功能獲取該取款機的取款機設備資訊；取款請求上送步驟：行動終端將該取款資訊和取款機設備資訊作為取款請求透過行動支付系統上送到受理銀行系統；取款請求驗證步驟：受理銀行系統對取款請求進行合法性判斷；取款請求轉發步驟：受理銀行系統在判斷取款請求合法的前提下將取款請求轉發給銀行卡組織系統，再由銀行卡組織系統轉發到發卡銀行系統；取款承兌應答步驟：發卡銀行系統驗證取款請求的合法性，並且在透過驗證後將取款承兌應答發送到銀行卡組織系統；取款承兌應答轉發步驟：銀行卡組織系統將取款承兌應答轉發到受理銀行系統；吐鈔通知步驟：受理銀行系統根據取款承兌應答通知對應於取款機設備資訊的取款機執行吐鈔動作。 A near-field communication (NFC)-based withdrawal method is based on NFC for data transmission between an NFC-enabled mobile terminal and an NFC-enabled cash machine, and is used to implement a mobile payment system, a cash machine, an acceptance banking system, and a bank. The method for exchanging data between the card organization system and the card issuing bank system is characterized in that the method comprises the following steps: the step of acquiring the withdrawal information: the user accessing the line with the NFC function The mobile terminal acquires the withdrawal information and obtains the cash machine information of the cash machine by using the NFC function of the mobile terminal; the withdrawal request is sent: the mobile terminal sends the withdrawal information and the cash machine information as a withdrawal request through the mobile payment system. Accepting the banking system; the withdrawal request verification step: accepting the bank system to judge the legality of the withdrawal request; the withdrawal request forwarding step: the acceptance banking system forwards the withdrawal request to the bank card organization system on the premise that the withdrawal request is legal, and then the bank card The organization system forwards to the issuing bank system; the withdrawal acceptance response step: the issuing bank system verifies the legality of the withdrawal request, and sends the withdrawal acceptance response to the bank card organization system after the verification; the withdrawal acceptance response forwarding step: the bank card organization system will The withdrawal acceptance response is forwarded to the acceptance banking system; the dispensing notification step: the acceptance banking system performs the dispensing operation according to the cash withdrawal acceptance response notification corresponding to the cash machine equipment information. 如申請專利範圍第6項所述的基於NFC功能的取款方法，其中，在該取款資訊獲取步驟之前，還具備：業務開通步驟：僅僅在初次開通業務時進行銀行卡帳戶、行動終端、以及行動支付系統的綁定。 The NFC-based withdrawal method according to claim 6, wherein before the withdrawal information acquisition step, the method further includes: a service opening step: performing a bank card account, an action terminal, and an action only when the service is first opened. The binding of the payment system. 如申請專利範圍第7項所述的基於NFC功能的取款方法，其中，在該吐鈔通知步驟之後還具備： 取款結果通知步驟：受理銀行系統將取款交易結果通知行動支付系統；取款結果轉發步驟：行動支付系統將該取款交易結果通知行動終端。 The NFC-based withdrawal method according to claim 7, wherein after the step of dispensing the money, the method further comprises: The withdrawal result notification step: the acceptance banking system notifies the action payment system of the withdrawal transaction result; the withdrawal result forwarding step: the action payment system notifies the action terminal of the withdrawal transaction result. 如申請專利範圍第7項所述的基於NFC功能的取款方法，其中，在該取款資訊獲取步驟之前，還具備：業務綁定步驟：將銀行卡帳戶、行動終端、以及行動支付系統進行綁定。 The NFC-based withdrawal method according to claim 7, wherein before the withdrawal information acquisition step, the method further includes: a service binding step of: binding the bank card account, the mobile terminal, and the mobile payment system. . 如申請專利範圍第6至8項中任一項所述的基於NFC功能的取款方法，其中，在該取款資訊獲取步驟中，使用者在行動終端輸入取款帳戶、金額、交易密碼中的至少一個或多個的取款資訊。 The NFC function-based withdrawal method according to any one of claims 6 to 8, wherein in the withdrawal information acquisition step, the user inputs at least one of a withdrawal account, an amount, and a transaction password at the mobile terminal. Or multiple withdrawal information. 一種基於近場通訊(NFC)功能的取款系統，其特徵在於，該系統包括：行動終端、行動支付系統、取款機、受理銀行系統、銀行卡組織系統、發卡銀行系統，該行動終端具備：用於執行取款業務的第一取款模組、執行與取款機之間基於NFC的資料通訊的第一NFC通訊模組、以及用於對基於NFC的資料通訊進行安全加密的第一安全加密模組，以及該取款機具備：用於執行取款處理的第二取款模組、用於執行與該行動終端之間基於NFC的資料通訊的第二NFC通訊模組、以及用於對基於NFC的資料通訊進行安 全加密的第二安全加密模組。 A cash withdrawal system based on Near Field Communication (NFC) function, characterized in that the system comprises: a mobile terminal, a mobile payment system, a cash withdrawal machine, an acceptance banking system, a bank card organization system, a card issuing bank system, and the mobile terminal has: a first withdrawal module for performing a withdrawal service, a first NFC communication module for performing NFC-based data communication with the cash machine, and a first security encryption module for securely encrypting the NFC-based data communication, And the cash machine includes: a second withdrawal module for performing a withdrawal process, a second NFC communication module for performing NFC-based data communication with the mobile terminal, and for performing NFC-based data communication Ann Fully encrypted second secure encryption module. 如申請專利範圍第11項所述的基於NFC功能的取款系統，其中，該行動終端的第一取款模組用於獲取取款資訊，該行動終端的第一NFC通訊模組用於將該取款資訊發送給該取款機的第二NFC通訊模組；該取款機的第二取款模組用於從該取款機的第二NFC通訊模組獲得取款請求並且將該取款請求發送到受理銀行系統，另一方面，該取款機的第二取款模組用於根據下述的取款承兌應答執行吐鈔動作，該受理銀行系統用於對取款請求進行合法性判斷並且在判斷取款請求合法的前提下將取款請求轉發給銀行卡組織系統，另一方面，當從該銀行卡組織系統收到返回的取款承兌應答的情況下將取款承兌應答轉發到取款機的第二取款模組，該銀行卡組織系統用於將來自受理銀行系統的取款請求轉發到發卡銀行系統，並且在從該發卡銀行系統收到取款承兌應答的情況下將取款承兌應答轉發到受理銀行系統；該發卡銀行系統用於對取款交易進行判斷並且向該銀行卡組織返回取款承兌應答。 The NFC-based withdrawal system of claim 11, wherein the first withdrawal module of the mobile terminal is configured to acquire withdrawal information, and the first NFC communication module of the mobile terminal is configured to use the withdrawal information. a second NFC communication module sent to the cash machine; the second withdrawal module of the cash dispenser is configured to obtain a withdrawal request from the second NFC communication module of the cash machine and send the withdrawal request to the acceptance banking system, and In one aspect, the second withdrawal module of the cash dispenser is configured to perform a money dispensing operation according to the withdrawal acceptance response described below, the acceptance banking system is configured to make a legality judgment on the withdrawal request and to withdraw the money on the premise that the withdrawal request is legal The request is forwarded to the bank card organization system. On the other hand, when the returned withdrawal acceptance response is received from the bank card organization system, the withdrawal acceptance response is forwarded to the second withdrawal module of the cash machine, and the bank card organization system uses Forwarding the withdrawal request from the acceptance banking system to the issuing bank system and taking the withdrawal acceptance response from the issuing bank system Acceptance response forwarded to the admissibility of the banking system; the issuing bank teller transaction system for judges and returned to the bank card organization withdrawals acceptance response. 如申請專利範圍第12項所述的基於NFC功能的取款系統，其中，該行動終端的第一取款模組用於將銀行卡帳戶、行動 終端、以及行動支付系統進行綁定。 The NFC-based withdrawal system according to claim 12, wherein the first withdrawal module of the mobile terminal is used for bank card account, action The terminal and the mobile payment system are bound. 如申請專利範圍第13項中所述的基於NFC功能的取款系統，其中，該取款資訊包括取款帳戶、金額、交易密碼中的至少一個或多個。 The NFC-based withdrawal system as described in claim 13 , wherein the withdrawal information includes at least one or more of a withdrawal account, an amount, and a transaction password. 如申請專利範圍第14項中所述的基於NFC功能的取款系統，其中，該取款機的第二取款模組還用於在完成取款後將取款交易結果透過該取款機的第二NFC通訊模組、該行動終端的第一NFC通訊模組發送給該行動終端的第一取款模組，該行動終端的第一取款模組還用於將該取款交易結果通知該行動支付系統。 The NFC-based withdrawal system as described in claim 14, wherein the second withdrawal module of the cash dispenser is further configured to pass the withdrawal transaction result to the second NFC communication mode of the cash machine after the withdrawal is completed. The first NFC communication module of the mobile terminal is sent to the first withdrawal module of the mobile terminal, and the first withdrawal module of the mobile terminal is further configured to notify the mobile payment system of the withdrawal transaction result. 如申請專利範圍第10項所述的基於NFC功能的取款系統，其中，該行動終端的第一取款模組用於獲取取款資訊並且用於透過該行動終端的第一NFC通訊模組、第一安全加密模組獲取該取款機的取款機設備資訊，該行動終端的第一NFC通訊模組用於將該取款資訊和該取款機設備資訊發送給該行動支付系統；該行動支付系統用於從該行動終端獲取該取款資訊和該取款機設備資訊並且作為取款請求發送給受理銀行系統，該受理銀行系統用於對取款請求進行合法性判斷並且在判斷取款請求合法的前提下將取款請求轉發給銀行卡組 織系統，另一方面，當從該銀行卡組織系統收到返回的取款承兌應答的情況下將取款承兌應答轉發到取款機的第二取款模組，該銀行卡組織系統用於將來自受理銀行系統的取款請求轉發到發卡銀行系統，並且在從該發卡銀行系統收到取款承兌應答的情況下將取款承兌應答轉發到受理銀行系統；該發卡銀行系統用於對取款交易進行判斷並且向該銀行卡組織系統返回取款承兌應答，該取款機的第二取款模組用於根據該取款承兌應答執行吐鈔動作。 The NFC-based withdrawal system according to claim 10, wherein the first withdrawal module of the mobile terminal is configured to acquire withdrawal information and is used to transmit a first NFC communication module of the mobile terminal, first The security encryption module obtains the information of the cash machine device of the cash machine, and the first NFC communication module of the mobile terminal is configured to send the withdrawal information and the cash machine information to the mobile payment system; the mobile payment system is used for The mobile terminal acquires the withdrawal information and the cash machine equipment information and sends the withdrawal request as a withdrawal request to the acceptance banking system, the acceptance banking system is configured to judge the legality of the withdrawal request and forward the withdrawal request to the premise that the withdrawal request is legal Bank card group The weaving system, on the other hand, forwards the withdrawal acceptance response to the second withdrawal module of the cash machine when the returned withdrawal acceptance response is received from the bank card organization system, the bank card organization system is used to receive the bank from the acceptance bank The withdrawal request of the system is forwarded to the issuing bank system, and the withdrawal acceptance response is forwarded to the acceptance banking system in the case of receiving the withdrawal acceptance response from the issuing bank system; the issuing bank system is used to judge the withdrawal transaction and to the bank The card organization system returns a withdrawal acceptance response, and the second withdrawal module of the cash dispenser is configured to perform a money dispensing action according to the withdrawal acceptance response. 如申請專利範圍第16項所述的基於NFC功能的取款系統，其中，該行動終端的第一取款模組用於將銀行卡帳戶、行動終端、以及行動支付系統進行綁定。 The NFC-based withdrawal system according to claim 16, wherein the first withdrawal module of the mobile terminal is configured to bind the bank card account, the mobile terminal, and the mobile payment system. 如申請專利範圍第17項中所述的基於NFC功能的取款系統，其中，該取款資訊包括取款帳戶、金額、交易密碼中的至少一個或多個。 The NFC-based withdrawal system as described in claim 17 , wherein the withdrawal information includes at least one or more of a withdrawal account, an amount, and a transaction password. 如申請專利範圍第15項中所述的基於NFC功能的取款系統，其中，該行動支付系統還用於在該取款機的第二取款模組完成吐鈔動作之後將取款交易結果發送給該行動終端的第一取款模組。 The NFC-based withdrawal system as described in claim 15 , wherein the mobile payment system is further configured to send the withdrawal transaction result to the action after the second withdrawal module of the cash withdrawal machine completes the dispensing operation The first withdrawal module of the terminal. 一種基於近場通訊(NFC)功能的取款機，其特徵在於，具備：用於執行取款處理的第二取款模組；用於執行基於NFC的資料通訊的第二NFC通訊模組；以及用於對基於NFC的資料通訊進行安全加密的第二安全加密模組。 A cash register based on a near field communication (NFC) function, comprising: a second withdrawal module for performing a withdrawal process; a second NFC communication module for performing NFC-based data communication; and A second secure encryption module for securely encrypting NFC-based data communications.
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HK1203682A1 (en) 2015-10-30
CN104123793B (en) 2017-02-08
CN104123793A (en) 2014-10-29
TWI578274B (en) 2017-04-11

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