WO2019033324A1 - Information processing method, server and bank teller machine - Google Patents

Information processing method, server and bank teller machine Download PDF

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Publication number
WO2019033324A1
WO2019033324A1 PCT/CN2017/097771 CN2017097771W WO2019033324A1 WO 2019033324 A1 WO2019033324 A1 WO 2019033324A1 CN 2017097771 W CN2017097771 W CN 2017097771W WO 2019033324 A1 WO2019033324 A1 WO 2019033324A1
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Prior art keywords
teller machine
withdrawal
bank teller
bank
graphic code
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PCT/CN2017/097771
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French (fr)
Chinese (zh)
Inventor
曾禄明
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深圳市启惠智能科技有限公司
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Priority to PCT/CN2017/097771 priority Critical patent/WO2019033324A1/en
Publication of WO2019033324A1 publication Critical patent/WO2019033324A1/en

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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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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

Definitions

  • the present invention relates to the field of computer application technologies, and in particular, to an information processing method, a server, and a bank teller machine.
  • the bank teller machine greatly facilitates the user's deposit or withdrawal processing requirements, saves user time and improves the bank's work efficiency.
  • Commonly used self-service deposit and withdrawal machines include CRS (Cash Recycling System), ATM (Automated Teller Machine), and CDM (Cash Deposit Machine).
  • the unscrupulous personnel have illegally collected the bank card number information of the depositor and obtained the withdrawal password at the same time by modifying the bank teller machine, and this depositor has brought great property loss.
  • the embodiment of the invention provides an information processing method, a server and a bank teller machine, which can ensure the security of the user to a certain extent.
  • an embodiment of the present invention provides an information processing method, including:
  • the bank teller machine displays the graphic code when detecting the card card insertion operation and detecting that the withdrawal request is required;
  • the user terminal scans the graphic code, and parses the graphic code into a user interface of the server indicated by the graphic code, where the user interface is configured to receive password information and a withdrawal amount;
  • the user terminal obtains the password input information and the withdrawal amount according to the operation processing on the user interface, and sends the password input information and the withdrawal amount to the server;
  • the server sends the password input information and the withdrawal amount to the bank teller machine
  • the bank teller machine After receiving the password input information, the bank teller machine verifies the password input information and the password verification information corresponding to the bank card number read by the bank card card operation, if If the verification is successful, the withdrawal process is executed according to the withdrawal amount in response to the withdrawal request.
  • the method further includes:
  • Bank teller machine detects the balance value
  • the bank teller sends a notification message that cannot respond to the processing request, and the notification message includes a voice prompt message and/or an image prompt message;
  • the bank teller performs the step of displaying the graphic code.
  • the server corresponds to a service account of an instant messaging application
  • the user terminal scans the graphic code after opening an instant messaging application, where the graphic code is a two-dimensional code.
  • the method before the sending, by the server, the password input information and the withdrawal amount to the bank teller machine, the method further includes:
  • the server acquires a balance value of the bank teller machine
  • the server When the balance value is less than a preset threshold, the server sends a notification message that cannot respond to the processing request to the user terminal, where the notification message includes a voice prompt message and/or an image prompt message;
  • the server executes the password input information and the withdrawal amount to be sent to the bank teller when the balance value is not less than a preset threshold.
  • the method further includes:
  • the bank teller machine detects whether the password input information is received through the physical button while displaying the graphic code
  • the bank teller machine verifies the password input information and the password verification information corresponding to the bank card number read by the bank card card operation, and if the verification is successful, cancels displaying the graphic code;
  • the bank teller machine performs the withdrawal process according to the withdrawal amount in response to the withdrawal request.
  • an embodiment of the present invention further provides a server, including: a storage device and a processor;
  • the storage device is configured to store program instructions
  • the processor is configured to invoke a program instruction stored in the storage device, for
  • the processor is further used to control the processor
  • the balance value is less than the preset threshold, sending a notification message that cannot respond to the processing request to the user terminal, where the notification message includes a voice prompt message and/or an image prompt message;
  • the password input information and the withdrawal amount are executed and sent to the bank teller.
  • the third embodiment of the present invention further provides a bank teller machine, including: a storage device, a processor, and a display;
  • the display is configured to display a graphic code
  • the storage device is configured to store program instructions
  • the processor calling the program instruction, for
  • the password input information and the withdrawal amount are input by the user terminal after scanning the graphic code on the user interface provided by the server corresponding to the graphic code, and sent to the server, and sent by the server to the bank teller machine.
  • the processor is further used to control the processor
  • the balance value is less than the preset threshold, sending a notification message that cannot respond to the processing request, where the notification message includes a voice prompt message and/or an image prompt message;
  • the graphic code is displayed.
  • the processor is further used to control the processor
  • the password input information is verified with the password verification information corresponding to the bank card number read by the bank card card operation, and if the verification is successful, the graphic code is cancelled;
  • the bank teller machine performs the withdrawal process according to the withdrawal amount in response to the withdrawal request.
  • the password input process can be input to the bank teller machine through the user terminal and the server, and even if the illegal user illegally processes the bank teller machine, the withdrawal password of the bank card cannot be obtained, and the illegal personnel are basically excluded from the bank teller machine.
  • the possibility of illegally extracting user passwords by the input keyboard improves the security of the user's property.
  • FIG. 1 is a schematic structural diagram of an information processing system according to an embodiment of the present invention.
  • FIG. 2 is a schematic flow chart of an information processing method according to an embodiment of the present invention.
  • FIG. 3 is a schematic structural diagram of a server according to an embodiment of the present invention.
  • FIG. 4 is a schematic structural view of a bank teller machine according to an embodiment of the present invention.
  • FIG. 1 is a schematic structural diagram of an information processing system according to an embodiment of the present invention.
  • the system includes a bank teller machine 103, a user terminal 101, and a server 102.
  • the bank teller machine 103 may be any one of the aforementioned CRS, ATM, and CDM.
  • the user terminal 101 mainly refers to a user's smart phone, and may of course be other intelligent terminals with network function and human-computer interaction functions such as a tablet computer and a smart wearable device.
  • the server 102 can be a dedicated service
  • the server 102 is connected to the bank teller 103 by wire.
  • the server 102 corresponds to a service account of an instant messaging application, and the user terminal 101 and the server 102 are interacted through a session interface of the instant messaging application.
  • the user interface can be provided to the user terminal 101 through the server 102.
  • the user terminal 101 obtains the password and the withdrawal amount and sends the password to the server 102, which is then forwarded by the server 102.
  • the bank teller 103 performs password verification and withdrawal operations by the bank teller 103.
  • the input of the password is not performed on the keyboard provided by the bank teller machine 103 including the physical keys.
  • the interaction process between the bank teller machine 103, the user terminal 101, and the server 102 in the system may refer to the detailed description of the embodiment corresponding to FIG. 2 below.
  • the password input process can be input to the bank teller machine through the user terminal and the server, and even if the illegal user illegally processes the bank teller machine, the withdrawal password of the bank card cannot be obtained, and the illegal personnel are basically excluded from the bank teller machine.
  • the possibility of illegally extracting user passwords by the input keyboard improves the security of the user's property.
  • FIG. 2 is a schematic flowchart of an information processing method according to an embodiment of the present invention.
  • the method in the embodiment of the present invention includes the following steps:
  • the bank teller machine displays the graphic code when detecting the card card insertion operation and detecting that the withdrawal request is required.
  • a bank card slot is set on the bank teller machine, and when the deposit user inserts the bank card in the correct manner, the bank teller machine can read the information on the bank card, and the read information includes at least the card number of the bank card. .
  • the bank teller Based on the read information, the bank teller displays relevant information on the display screen and provides a virtual button to the user, and the user selects the service to be executed. If the user clicks to select the withdrawal service, the bank teller opportunity detects the withdrawal request.
  • a graphic code is displayed on the display at this time.
  • the graphic code can be a two-dimensional code, and based on the two-dimensional code, the user terminal can access the server and receive the corresponding user interface.
  • the user terminal scans the graphic code, and parses the graphic code into a user interface of the server indicated by the graphic code, where the user interface is configured to receive password information and a withdrawal amount.
  • the user terminal can scan the graphic code through the scanning function of the instant messaging application, and establish a user interface provided by the server by establishing a session with the server.
  • a numeric keypad can be displayed on the user interface and includes a password entry field and a withdrawal amount field. The user enters a password and withdraws money by entering a number. amount.
  • S203 The user terminal acquires the password input information and the withdrawal amount according to the operation processing on the user interface, and sends the password input information and the withdrawal amount to the server.
  • the user terminal sends the input password as the password input information to the server through the established session of the instant messaging application, and sends the withdrawal amount to the server through the session.
  • S204 The server sends the password input information and the withdrawal amount to the bank teller machine.
  • the server directly forwards the password input information and the withdrawal amount sent by the received user terminal to the bank teller machine.
  • the bank teller machine After receiving the password input information, the bank teller machine verifies the password input information and the password verification information corresponding to the bank card number read by the bank card card operation, and if the verification is successful, And in response to the withdrawal processing request, performing a withdrawal process according to the withdrawal amount. After receiving the password input information, the bank teller machine verifies the password input information by receiving the same password verification method as the password information input by the user through the physical button provided by the bank teller machine, and after the password input verification information is verified, it is determined that Provide users with withdrawal services. If the verification fails, the graphic code can be displayed again, and the password input error is prompted, please re-enter the prompt.
  • the method may further include the following steps: the bank teller detects the balance value; if the balance value is less than the preset threshold, the bank teller sends a notification that the response request cannot be processed.
  • the message includes a voice prompt message and/or an image prompt message; if the balance value is not less than a preset threshold, the bank teller performs the step of displaying the graphic code. That is to say, when the balance in the bank teller machine is insufficient, for example, when there is only a balance of less than 200 yuan, the withdrawal service is not provided, and the user is notified to avoid unnecessary time for the user.
  • the server corresponds to a service account of an instant messaging application
  • the user terminal scans the graphic code after opening the instant messaging application
  • the graphic code is a two-dimensional code
  • the method may further include: the server acquiring a balance value of the bank teller machine; When the threshold is set, a notification message that cannot respond to the processing request is sent to the user terminal, where the notification message includes a voice prompt message and/or an image prompt message; and the server executes the location when the balance value is not less than a preset threshold.
  • the password input information and the withdrawal amount are sent to the bank teller machine. In other words, you can judge the bank when the server receives the withdrawal balance. Whether the ATM can provide the withdrawal service, if not, notify the user directly to avoid unnecessary time.
  • the method of the embodiment of the present invention may further include: the bank teller machine detects whether the password input information is received through the physical button while displaying the graphic code; if yes, the bank teller enters the password input information in the The password verification information corresponding to the bank card number read by the bank card card operation is verified, and if the verification is successful, the graphic code is cancelled; the bank teller machine performs the withdrawal process according to the withdrawal amount in response to the withdrawal request. . That is to say, the user can choose to input the password and the withdrawal amount by scanning the two-dimensional code, or can select the password provided by the banknote machine including the physical button. This can effectively facilitate any depositor to complete the withdrawal business.
  • the password input process can be input to the bank teller machine through the user terminal and the server, and even if the illegal user illegally processes the bank teller machine, the withdrawal password of the bank card cannot be obtained, and the illegal personnel are basically excluded from the bank teller machine.
  • the possibility of illegally extracting user passwords by the input keyboard improves the security of the user's property.
  • the server in the embodiment of the present invention may include a power supply module and various shell structures, and may further include: a physical button such as a power button.
  • the indicator, the data interface, and the network interface, and the like, further include a storage device 302 and a processor 301 in the embodiment of the present invention.
  • the storage device 302 may include a volatile memory, such as a RAM (random-access memory); the storage device 302 may also include a non-volatile memory, such as a fast A flash memory, a HDD (hard disk drive) or an SSD (solid-state drive); the storage device 302 may further include a combination of the above types of memories.
  • a volatile memory such as a RAM (random-access memory)
  • the storage device 302 may also include a non-volatile memory, such as a fast A flash memory, a HDD (hard disk drive) or an SSD (solid-state drive); the storage device 302 may further include a combination of the above types of memories.
  • the processor 301 can be a CPU (central processing unit).
  • the processor 301 may further include a hardware chip.
  • the storage device 302 is further configured to store program instructions.
  • the processor 301 may be configured to receive the password input information and the withdrawal amount sent by the user terminal, where the password input information and the withdrawal amount are input on a user interface obtained by the user terminal after scanning the graphic code.
  • the graphic code is that the bank teller machine detects the bank card insertion operation and detects that it needs to be taken. Displayed when the request is processed; the password input information and the withdrawal amount are sent to the bank teller machine, so that the bank teller determines whether to respond to the withdrawal processing request.
  • the processor 301 is further configured to acquire a balance value of the bank teller machine; when the balance value is less than a preset threshold, issue a notification message that cannot respond to the processing request to the user terminal,
  • the notification message includes a voice prompt message and/or an image prompt message; when the balance value is not less than a preset threshold, the password input information and the withdrawal amount are executed and sent to the bank teller.
  • FIG. 4 it is a schematic structural diagram of a bank teller machine according to an embodiment of the present invention.
  • the server of the embodiment of the present invention may include a power supply module and various shell structures, and further includes a storage device 402 in the embodiment of the present invention.
  • the storage device 302 may include a volatile memory such as a RAM; the storage device 302 may also include a non-volatile memory such as a flash memory, HDD or SSD; the storage device 302 may also A combination of memories of the above kind is included.
  • the processor 301 can be a CPU.
  • the processor 301 may further include a hardware chip.
  • the display 403 is configured to display a graphic code
  • the storage device 402 is configured to store program instructions.
  • the processor 401 is configured to invoke the program instruction to display a graphic code on the display 403 when detecting a bank card insertion operation and detecting that a withdrawal request is required; after receiving the password input information And verifying the password input information and the password verification information corresponding to the bank card number read by the bank card card operation, and if the verification is successful, executing the withdrawal process according to the withdrawal amount in response to the withdrawal processing request;
  • the password input information and the withdrawal amount are input by the user terminal after scanning the graphic code on the user interface provided by the server corresponding to the graphic code, and sent to the server, and sent by the server to the bank teller machine.
  • the processor 401 is further configured to detect a balance value; if the balance value is less than a preset threshold, issue a notification message that cannot respond to the processing request, where the notification message includes a voice prompt message and/or an image. A prompt message; if the balance value is not less than the preset threshold, the graphic code is displayed.
  • the processor 401 is further configured to: when displaying the graphic code, detect whether the password input information is received through the physical button; if yes, enter the password input information and read the card operation in the bank card The password verification information corresponding to the bank card number is verified, and if the verification is successful, the graphic code is cancelled; the bank teller responds to the withdrawal processing request, according to the The amount of the payment is executed.
  • the password input process can be input to the bank teller machine through the user terminal and the server, and even if the illegal user illegally processes the bank teller machine, the withdrawal password of the bank card cannot be obtained, and the illegal personnel are basically excluded from the bank teller machine.
  • the possibility of illegally extracting user passwords by the input keyboard improves the security of the user's property.
  • the storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

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Abstract

An information processing method, a server and a bank teller machine, the method comprising: a bank teller machine displays a graphic code when detecting a bank card inserting operation and detecting that a withdrawal processing request needs to be carried out (S201); a user terminal scans the graphic code and receives password information and a withdrawal amount in a corresponding user interface (S202); the user terminal sends password input information and the withdrawal amount to a server (S203); the server sends the password input information and the withdrawal amount to the bank teller machine (S204); and the bank teller machine carries out verification after receiving the password input information, responds to the withdrawal processing request if the verification is successful, and executes withdrawal processing according to the withdrawal amount (S205). Using the described method may effectively ensure the withdrawal security of depositors.

Description

一种信息处理方法、服务器以及银行柜员机Information processing method, server and bank teller machine 技术领域Technical field
本发明涉及计算机应用技术领域，尤其涉及一种信息处理方法、服务器以及银行柜员机。The present invention relates to the field of computer application technologies, and in particular, to an information processing method, a server, and a bank teller machine.
背景技术Background technique
银行柜员机作为一种为银行用户提供自助服务的电子设备，极大地方便了用户存款或取款处理需求，节省了用户时间，提高了银行的工作效率。常用的自助存取款机包括CRS(Cash Recycling System，自动循环存取款机)，ATM(Automated Teller Machine，自动柜员机)，CDM(Cash Deposit Machine，自动存款机)。As an electronic device that provides self-service for bank users, the bank teller machine greatly facilitates the user's deposit or withdrawal processing requirements, saves user time and improves the bank's work efficiency. Commonly used self-service deposit and withdrawal machines include CRS (Cash Recycling System), ATM (Automated Teller Machine), and CDM (Cash Deposit Machine).
目前在银行柜员机的应用中，出现不法人员通过对银行柜员机进行改装，非法采集储户的银行卡***信息并同时获取取款密码，这个储户带来了极大的财产损失。At present, in the application of the bank teller machine, the unscrupulous personnel have illegally collected the bank card number information of the depositor and obtained the withdrawal password at the same time by modifying the bank teller machine, and this depositor has brought great property loss.
发明内容Summary of the invention
本发明实施例提供一种信息处理方法、服务器以及银行柜员机，可以在一定程度上保证用户的财产安全。The embodiment of the invention provides an information processing method, a server and a bank teller machine, which can ensure the security of the user to a certain extent.
第一方面，本发明实施例提供了一种信息处理方法，包括：In a first aspect, an embodiment of the present invention provides an information processing method, including:
银行柜员机在检测到银行卡插卡操作，并检测到需要进行取款处理请求时，显示图形码；The bank teller machine displays the graphic code when detecting the card card insertion operation and detecting that the withdrawal request is required;
用户终端扫描所述图形码，并解析所述图形码进入该图形码所指示的服务器的用户界面，该用户界面用于接收密码信息和取款金额；The user terminal scans the graphic code, and parses the graphic code into a user interface of the server indicated by the graphic code, where the user interface is configured to receive password information and a withdrawal amount;
用户终端根据在所述用户界面上的操作处理获取密码输入信息和取款金额，并将密码输入信息和取款金额发送给所述服务器；The user terminal obtains the password input information and the withdrawal amount according to the operation processing on the user interface, and sends the password input information and the withdrawal amount to the server;
所述服务器将所述密码输入信息和取款金额发送给所述银行柜员机；The server sends the password input information and the withdrawal amount to the bank teller machine;
所述银行柜员机在接收到所述密码输入信息后，将该密码输入信息和在所述银行卡插卡操作所读取的银行卡***所对应的密码验证信息进行验证，如果 验证成功，则响应所述取款处理请求，根据所述取款金额执行取款处理。After receiving the password input information, the bank teller machine verifies the password input information and the password verification information corresponding to the bank card number read by the bank card card operation, if If the verification is successful, the withdrawal process is executed according to the withdrawal amount in response to the withdrawal request.
其中可选地，所述显示图形码之前，还包括：Optionally, before the displaying the graphic code, the method further includes:
银行柜员机检测余额值；Bank teller machine detects the balance value;
如果余额值小于预设的阈值，则银行柜员机发出不能响应处理请求的通知消息，所述通知消息包括语音提示消息和/或影像提示消息；If the balance value is less than the preset threshold, the bank teller sends a notification message that cannot respond to the processing request, and the notification message includes a voice prompt message and/or an image prompt message;
如果余额值不小于预设的阈值，则银行柜员机执行所述显示图形码的步骤。If the balance value is not less than the preset threshold, the bank teller performs the step of displaying the graphic code.
其中可选地，所述服务器对应于一即时通讯应用的服务账号，所述用户终端是在打开即时通讯应用后扫描所述图形码的，所述图形码为二维码。Optionally, the server corresponds to a service account of an instant messaging application, and the user terminal scans the graphic code after opening an instant messaging application, where the graphic code is a two-dimensional code.
其中可选地，所述服务器将所述密码输入信息和取款金额发送给所述银行柜员机之前，还包括：Optionally, before the sending, by the server, the password input information and the withdrawal amount to the bank teller machine, the method further includes:
所述服务器获取所述银行柜员机的余额值；The server acquires a balance value of the bank teller machine;
所述服务器在余额值小于预设的阈值时，发出不能响应处理请求的通知消息给所述用户终端，所述通知消息包括语音提示消息和/或影像提示消息；When the balance value is less than a preset threshold, the server sends a notification message that cannot respond to the processing request to the user terminal, where the notification message includes a voice prompt message and/or an image prompt message;
所述服务器在余额值不小于预设的阈值时，执行所述所述密码输入信息和取款金额发送给所述银行柜员机。The server executes the password input information and the withdrawal amount to be sent to the bank teller when the balance value is not less than a preset threshold.
其中可选地，还包括：Optionally, the method further includes:
银行柜员机在显示图形码的同时，检测是否通过物理按键接收到密码输入信息；The bank teller machine detects whether the password input information is received through the physical button while displaying the graphic code;
若是，银行柜员机将密码输入信息与在所述银行卡插卡操作所读取的银行卡***所对应的密码验证信息进行验证，如果验证成功，则取消显示所述图形码；If yes, the bank teller machine verifies the password input information and the password verification information corresponding to the bank card number read by the bank card card operation, and if the verification is successful, cancels displaying the graphic code;
银行柜员机响应所述取款处理请求，根据所述取款金额执行取款处理。The bank teller machine performs the withdrawal process according to the withdrawal amount in response to the withdrawal request.
第二方面，本发明实施例还提供了一种服务器，包括：存储装置和处理器；In a second aspect, an embodiment of the present invention further provides a server, including: a storage device and a processor;
所述存储装置，用于存储程序指令；The storage device is configured to store program instructions;
所述处理器，用于调用所述存储装置中存储的程序指令，用于The processor is configured to invoke a program instruction stored in the storage device, for
接收用户终端发送的密码输入信息和取款金额，所述密码输入信息和取款金额是所述用户终端在扫描图形码后得到的用户界面上输入的，所述图形码是银行柜员机在检测到银行卡插卡操作并检测到需要进行取款处理请求时显示 的；Receiving password input information and withdrawal amount sent by the user terminal, where the password input information and the withdrawal amount are input on a user interface obtained by the user terminal after scanning the graphic code, where the graphic code is that the bank teller machine detects the bank card Displayed when the card is operated and detects that a withdrawal request is required of;
将所述密码输入信息和取款金额发送给所述银行柜员机，以便于所述银行柜员机确定是否响应所述取款处理请求。And transmitting the password input information and the withdrawal amount to the bank teller machine, so that the bank teller determines whether to respond to the withdrawal processing request.
其中可选地，所述处理器，还用于Optionally, the processor is further used to
获取所述银行柜员机的余额值；Obtaining the balance value of the bank teller machine;
在余额值小于预设的阈值时，发出不能响应处理请求的通知消息给所述用户终端，所述通知消息包括语音提示消息和/或影像提示消息；When the balance value is less than the preset threshold, sending a notification message that cannot respond to the processing request to the user terminal, where the notification message includes a voice prompt message and/or an image prompt message;
在余额值不小于预设的阈值时，执行所述所述密码输入信息和取款金额发送给所述银行柜员机。When the balance value is not less than a preset threshold, the password input information and the withdrawal amount are executed and sent to the bank teller.
第三方，本发明实施例还提供了一种银行柜员机，包括：存储装置、处理器以及显示器；The third embodiment of the present invention further provides a bank teller machine, including: a storage device, a processor, and a display;
所述显示器，用于显示图形码；The display is configured to display a graphic code;
所述存储装置，用于存储程序指令；The storage device is configured to store program instructions;
所述处理器，调用所述程序指令，用于The processor, calling the program instruction, for
在检测到银行卡插卡操作，并检测到需要进行取款处理请求时，在所述显示器上显示图形码；Displaying a graphic code on the display when detecting a bank card insertion operation and detecting that a withdrawal request is required;
在接收到密码输入信息后，将该密码输入信息和在所述银行卡插卡操作所读取的银行卡***所对应的密码验证信息进行验证，如果验证成功，则响应所述取款处理请求，根据取款金额执行取款处理；After receiving the password input information, verifying the password input information and the password verification information corresponding to the bank card number read by the bank card card operation, and if the verification is successful, responding to the withdrawal processing request, Perform withdrawal processing according to the withdrawal amount;
其中，所述密码输入信息和所述取款金额是用户终端扫描所述图形码后，在图形码对应的服务器提供的用户界面上输入并发送给服务器，由服务器发送给银行柜员机的。The password input information and the withdrawal amount are input by the user terminal after scanning the graphic code on the user interface provided by the server corresponding to the graphic code, and sent to the server, and sent by the server to the bank teller machine.
其中可选地，所述处理器，还用于Optionally, the processor is further used to
检测余额值；Check the balance value;
如果余额值小于预设的阈值，则发出不能响应处理请求的通知消息，所述通知消息包括语音提示消息和/或影像提示消息；And if the balance value is less than the preset threshold, sending a notification message that cannot respond to the processing request, where the notification message includes a voice prompt message and/or an image prompt message;
如果余额值不小于预设的阈值，则显示图形码。If the balance value is not less than the preset threshold, the graphic code is displayed.
其中可选地，所述处理器，还用于Optionally, the processor is further used to
在显示图形码的同时，检测是否通过物理按键接收到密码输入信息； While displaying the graphic code, detecting whether the password input information is received through the physical button;
若是，将密码输入信息与在所述银行卡插卡操作所读取的银行卡***所对应的密码验证信息进行验证，如果验证成功，则取消显示所述图形码；If yes, the password input information is verified with the password verification information corresponding to the bank card number read by the bank card card operation, and if the verification is successful, the graphic code is cancelled;
银行柜员机响应所述取款处理请求，根据所述取款金额执行取款处理。The bank teller machine performs the withdrawal process according to the withdrawal amount in response to the withdrawal request.
实施本发明实施例，具有如下有益效果：Embodiments of the present invention have the following beneficial effects:
本发明实施例中，密码输入过程可以通过用户终端、服务器来输入给银行柜员机，即使非法用户对银行柜员机进行非法处理，也不能够获取到银行卡的取款密码，基本排除了非法人员通过银行柜员机的输入键盘来非法提取用户密码的可能性，提高了用户财产的安全性。In the embodiment of the present invention, the password input process can be input to the bank teller machine through the user terminal and the server, and even if the illegal user illegally processes the bank teller machine, the withdrawal password of the bank card cannot be obtained, and the illegal personnel are basically excluded from the bank teller machine. The possibility of illegally extracting user passwords by the input keyboard improves the security of the user's property.
附图说明DRAWINGS
为了更清楚地说明本发明实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the description of the prior art will be briefly described below. Obviously, the drawings in the following description are only It is a certain embodiment of the present invention, and other drawings can be obtained from those skilled in the art without any creative work.
图1是本发明实施例的一种信息处理***的结构示意图；1 is a schematic structural diagram of an information processing system according to an embodiment of the present invention;
图2是本发明实施例的一种信息处理方法的流程示意图；2 is a schematic flow chart of an information processing method according to an embodiment of the present invention;
图3是本发明实施例的一种服务器的结构示意图；3 is a schematic structural diagram of a server according to an embodiment of the present invention;
图4是本发明实施例的一种银行柜员机的结构示意图。4 is a schematic structural view of a bank teller machine according to an embodiment of the present invention.
具体实施方式Detailed ways
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, but not all embodiments. All other embodiments obtained by those skilled in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.
请参见图1，是本发明实施例的一种信息处理***的结构示意图。所述***包括银行柜员机103、用户终端101以及服务器102。所述银行柜员机103可以是上述提到的CRS，ATM，CDM中的任意一种。所述用户终端101主要是指用户的智能手机，当然也可以为其他的诸如平板电脑、智能可穿戴设备等带网络功能的人机交互功能的智能终端。所述服务器102可以为一个专用的服 务器，该服务器102通过有线的方式与所述银行柜员机103相连。该服务器102对应于一个即时通讯应用的服务账号，所述用户终端101和服务器102之间是通过所述即时通讯应用的会话界面进行交互的。FIG. 1 is a schematic structural diagram of an information processing system according to an embodiment of the present invention. The system includes a bank teller machine 103, a user terminal 101, and a server 102. The bank teller machine 103 may be any one of the aforementioned CRS, ATM, and CDM. The user terminal 101 mainly refers to a user's smart phone, and may of course be other intelligent terminals with network function and human-computer interaction functions such as a tablet computer and a smart wearable device. The server 102 can be a dedicated service The server 102 is connected to the bank teller 103 by wire. The server 102 corresponds to a service account of an instant messaging application, and the user terminal 101 and the server 102 are interacted through a session interface of the instant messaging application.
在上述***中，用户终端101需要在所述银行柜员机103上取款时，可以通过服务器102提供用户界面给用户终端101，用户终端101获取密码和取款金额发送给服务器102，再由服务器102转发给所述银行柜员机103，由银行柜员机103执行密码验证和取款操作。密码的输入不在所述银行柜员机103提供的包括物理按键的键盘上进行。进一步具体的，所述***中的银行柜员机103、用户终端101以及服务器102之间的交互过程可参考下述图2所对应的实施例的详细描述。In the above system, when the user terminal 101 needs to withdraw money from the bank teller machine 103, the user interface can be provided to the user terminal 101 through the server 102. The user terminal 101 obtains the password and the withdrawal amount and sends the password to the server 102, which is then forwarded by the server 102. The bank teller 103 performs password verification and withdrawal operations by the bank teller 103. The input of the password is not performed on the keyboard provided by the bank teller machine 103 including the physical keys. For further details, the interaction process between the bank teller machine 103, the user terminal 101, and the server 102 in the system may refer to the detailed description of the embodiment corresponding to FIG. 2 below.
本发明实施例中，密码输入过程可以通过用户终端、服务器来输入给银行柜员机，即使非法用户对银行柜员机进行非法处理，也不能够获取到银行卡的取款密码，基本排除了非法人员通过银行柜员机的输入键盘来非法提取用户密码的可能性，提高了用户财产的安全性。In the embodiment of the present invention, the password input process can be input to the bank teller machine through the user terminal and the server, and even if the illegal user illegally processes the bank teller machine, the withdrawal password of the bank card cannot be obtained, and the illegal personnel are basically excluded from the bank teller machine. The possibility of illegally extracting user passwords by the input keyboard improves the security of the user's property.
请参见图2，是本发明实施例的一种信息处理方法的流程示意图，本发明实施例的所述方法包括如下步骤：FIG. 2 is a schematic flowchart of an information processing method according to an embodiment of the present invention. The method in the embodiment of the present invention includes the following steps:
S201：银行柜员机在检测到银行卡插卡操作，并检测到需要进行取款处理请求时，显示图形码。在本发明实施例中，银行柜员机上设置银行卡插口，当储蓄用户按照正确的方式***银行卡后，银行柜员机能够读取该银行卡上的信息，读取的信息中至少包括银行卡的***。基于读取的信息，银行柜员机在显示屏上显示相关信息，并提供虚拟按钮给用户，由用户来选择所要执行的业务，如果用户点击选择了取款业务，则银行柜员机会检测到取款处理请求，此时在显示屏上显示一个图形码。该图形码可以为一个二维码，基于该二维码，用户终端能够接入服务器并接收到相应的用户界面。S201: The bank teller machine displays the graphic code when detecting the card card insertion operation and detecting that the withdrawal request is required. In the embodiment of the present invention, a bank card slot is set on the bank teller machine, and when the deposit user inserts the bank card in the correct manner, the bank teller machine can read the information on the bank card, and the read information includes at least the card number of the bank card. . Based on the read information, the bank teller displays relevant information on the display screen and provides a virtual button to the user, and the user selects the service to be executed. If the user clicks to select the withdrawal service, the bank teller opportunity detects the withdrawal request. A graphic code is displayed on the display at this time. The graphic code can be a two-dimensional code, and based on the two-dimensional code, the user terminal can access the server and receive the corresponding user interface.
S202：用户终端扫描所述图形码，并解析所述图形码进入该图形码所指示的服务器的用户界面，该用户界面用于接收密码信息和取款金额。用户终端可以通过即时通讯应用的扫描功能来扫描该图形码，并通建立与所述服务器之间的会话来接收服务器提供的用户界面。该用户界面上可以显示一个数字键盘，并包括密码输入栏位和取款金额栏位。用户通过输入数字来输入密码和取款金 额。S202: The user terminal scans the graphic code, and parses the graphic code into a user interface of the server indicated by the graphic code, where the user interface is configured to receive password information and a withdrawal amount. The user terminal can scan the graphic code through the scanning function of the instant messaging application, and establish a user interface provided by the server by establishing a session with the server. A numeric keypad can be displayed on the user interface and includes a password entry field and a withdrawal amount field. The user enters a password and withdraws money by entering a number. amount.
S203：用户终端根据在所述用户界面上的操作处理获取密码输入信息和取款金额，并将密码输入信息和取款金额发送给所述服务器。用户终端通过建立的即时通讯应用的会话将输入的密码作为密码输入信息发送给服务器，并将取款金额也通过该会话发送给所述服务器。S203: The user terminal acquires the password input information and the withdrawal amount according to the operation processing on the user interface, and sends the password input information and the withdrawal amount to the server. The user terminal sends the input password as the password input information to the server through the established session of the instant messaging application, and sends the withdrawal amount to the server through the session.
S204：所述服务器将所述密码输入信息和取款金额发送给所述银行柜员机。在一个实施例中，所述服务器直接将接收到的用户终端发送的密码输入信息和取款金额转发给所述银行柜员机。S204: The server sends the password input information and the withdrawal amount to the bank teller machine. In an embodiment, the server directly forwards the password input information and the withdrawal amount sent by the received user terminal to the bank teller machine.
S205：所述银行柜员机在接收到所述密码输入信息后，将该密码输入信息和在所述银行卡插卡操作所读取的银行卡***所对应的密码验证信息进行验证，如果验证成功，则响应所述取款处理请求，根据所述取款金额执行取款处理。所述银行柜员机在接收到密码输入信息后，与通过银行柜员机提供的物理按键接收用户输入的密码信息一样的验证方式来验证所述密码输入信息，并在密码输入验证信息通过验证后，确定可以为用户提供取款服务。而如果验证不通过，可以再次显示所述图形码，并提示密码输入错误，请重新输入的提示。S205: After receiving the password input information, the bank teller machine verifies the password input information and the password verification information corresponding to the bank card number read by the bank card card operation, and if the verification is successful, And in response to the withdrawal processing request, performing a withdrawal process according to the withdrawal amount. After receiving the password input information, the bank teller machine verifies the password input information by receiving the same password verification method as the password information input by the user through the physical button provided by the bank teller machine, and after the password input verification information is verified, it is determined that Provide users with withdrawal services. If the verification fails, the graphic code can be displayed again, and the password input error is prompted, please re-enter the prompt.
在一个实施例中，所述银行柜员机在显示图形码之前，所述方法还可以包括如下步骤：银行柜员机检测余额值；如果余额值小于预设的阈值，则银行柜员机发出不能响应处理请求的通知消息，所述通知消息包括语音提示消息和/或影像提示消息；如果余额值不小于预设的阈值，则银行柜员机执行所述显示图形码的步骤。也就是说，在银行柜员机中余额不足时，例如只有小于200元的余额时，不提供取款服务，并通知用户，以避免用户花费不必要的时间。In an embodiment, before the bank teller displays the graphic code, the method may further include the following steps: the bank teller detects the balance value; if the balance value is less than the preset threshold, the bank teller sends a notification that the response request cannot be processed. The message includes a voice prompt message and/or an image prompt message; if the balance value is not less than a preset threshold, the bank teller performs the step of displaying the graphic code. That is to say, when the balance in the bank teller machine is insufficient, for example, when there is only a balance of less than 200 yuan, the withdrawal service is not provided, and the user is notified to avoid unnecessary time for the user.
在一个实施例中，所述服务器对应于一即时通讯应用的服务账号，所述用户终端是在打开即时通讯应用后扫描所述图形码的，所述图形码为二维码。In one embodiment, the server corresponds to a service account of an instant messaging application, and the user terminal scans the graphic code after opening the instant messaging application, and the graphic code is a two-dimensional code.
在一个实施例中，所述服务器将所述密码输入信息和取款金额发送给所述银行柜员机之前，还可以包括：所述服务器获取所述银行柜员机的余额值；所述服务器在余额值小于预设的阈值时，发出不能响应处理请求的通知消息给所述用户终端，所述通知消息包括语音提示消息和/或影像提示消息；所述服务器在余额值不小于预设的阈值时，执行所述所述密码输入信息和取款金额发送给所述银行柜员机。也就是说，可以在服务器接收到取款余额时，就判断银行 柜员机是否还能提供取款服务，若不能，则直接通知用户，以避免用户花费不必要的时间。In an embodiment, before the server sends the password input information and the withdrawal amount to the bank teller machine, the method may further include: the server acquiring a balance value of the bank teller machine; When the threshold is set, a notification message that cannot respond to the processing request is sent to the user terminal, where the notification message includes a voice prompt message and/or an image prompt message; and the server executes the location when the balance value is not less than a preset threshold. The password input information and the withdrawal amount are sent to the bank teller machine. In other words, you can judge the bank when the server receives the withdrawal balance. Whether the ATM can provide the withdrawal service, if not, notify the user directly to avoid unnecessary time.
在一个实施例中，本发明实施例的所述方法还可以包括：银行柜员机在显示图形码的同时，检测是否通过物理按键接收到密码输入信息；若是，银行柜员机将密码输入信息与在所述银行卡插卡操作所读取的银行卡***所对应的密码验证信息进行验证，如果验证成功，则取消显示所述图形码；银行柜员机响应所述取款处理请求，根据所述取款金额执行取款处理。也就是说，用户可以选择通过扫描二维码的方式来输入密码和取款金额，也可以选择通过银行柜员机提供的包括物理按键的键盘来输入密码。这样可以有效地方便任何储户完成取款业务。In an embodiment, the method of the embodiment of the present invention may further include: the bank teller machine detects whether the password input information is received through the physical button while displaying the graphic code; if yes, the bank teller enters the password input information in the The password verification information corresponding to the bank card number read by the bank card card operation is verified, and if the verification is successful, the graphic code is cancelled; the bank teller machine performs the withdrawal process according to the withdrawal amount in response to the withdrawal request. . That is to say, the user can choose to input the password and the withdrawal amount by scanning the two-dimensional code, or can select the password provided by the banknote machine including the physical button. This can effectively facilitate any depositor to complete the withdrawal business.
本发明实施例中，密码输入过程可以通过用户终端、服务器来输入给银行柜员机，即使非法用户对银行柜员机进行非法处理，也不能够获取到银行卡的取款密码，基本排除了非法人员通过银行柜员机的输入键盘来非法提取用户密码的可能性，提高了用户财产的安全性。In the embodiment of the present invention, the password input process can be input to the bank teller machine through the user terminal and the server, and even if the illegal user illegally processes the bank teller machine, the withdrawal password of the bank card cannot be obtained, and the illegal personnel are basically excluded from the bank teller machine. The possibility of illegally extracting user passwords by the input keyboard improves the security of the user's property.
再请参见图3，是本发明实施例的一种服务器的结构示意图，本发明实施例的所述服务器可以包括供电模块、各种壳体结构，并且还可以进一步包括：开机键等物理按键，指示灯，数据接口，以及网络接口等，在本发明实施例中还包括存储装置302、处理器301。3 is a schematic structural diagram of a server according to an embodiment of the present invention. The server in the embodiment of the present invention may include a power supply module and various shell structures, and may further include: a physical button such as a power button. The indicator, the data interface, and the network interface, and the like, further include a storage device 302 and a processor 301 in the embodiment of the present invention.
所述存储装置302可以包括易失性存储器(volatile memory)，例如RAM(random-access memory，随机存取存储器)；存储装置302也可以包括非易失性存储器(non-volatile memory)，例如快闪存储器(flash memory)，HDD(hard disk drive，硬盘)或SSD(solid-state drive，固态硬盘)；存储装置302还可以包括上述种类的存储器的组合。The storage device 302 may include a volatile memory, such as a RAM (random-access memory); the storage device 302 may also include a non-volatile memory, such as a fast A flash memory, a HDD (hard disk drive) or an SSD (solid-state drive); the storage device 302 may further include a combination of the above types of memories.
所述处理器301可以是CPU(central processing unit，中央处理器)。所述处理器301还可以进一步包括硬件芯片。The processor 301 can be a CPU (central processing unit). The processor 301 may further include a hardware chip.
可选地，所述存储装置302还用于存储程序指令。所述处理器301可以调用所述程序指令，用于接收用户终端发送的密码输入信息和取款金额，所述密码输入信息和取款金额是所述用户终端在扫描图形码后得到的用户界面上输入的，所述图形码是银行柜员机在检测到银行卡插卡操作并检测到需要进行取 款处理请求时显示的；将所述密码输入信息和取款金额发送给所述银行柜员机，以便于所述银行柜员机确定是否响应所述取款处理请求。Optionally, the storage device 302 is further configured to store program instructions. The processor 301 may be configured to receive the password input information and the withdrawal amount sent by the user terminal, where the password input information and the withdrawal amount are input on a user interface obtained by the user terminal after scanning the graphic code. The graphic code is that the bank teller machine detects the bank card insertion operation and detects that it needs to be taken. Displayed when the request is processed; the password input information and the withdrawal amount are sent to the bank teller machine, so that the bank teller determines whether to respond to the withdrawal processing request.
在一个实施例中，所述处理器301，还用于获取所述银行柜员机的余额值；在余额值小于预设的阈值时，发出不能响应处理请求的通知消息给所述用户终端，所述通知消息包括语音提示消息和/或影像提示消息；在余额值不小于预设的阈值时，执行所述所述密码输入信息和取款金额发送给所述银行柜员机。In an embodiment, the processor 301 is further configured to acquire a balance value of the bank teller machine; when the balance value is less than a preset threshold, issue a notification message that cannot respond to the processing request to the user terminal, The notification message includes a voice prompt message and/or an image prompt message; when the balance value is not less than a preset threshold, the password input information and the withdrawal amount are executed and sent to the bank teller.
再请参见图4，是本发明实施例的一种银行柜员机的结构示意图，本发明实施例的所述服务器可以包括供电模块、各种壳体结构，在本发明实施例中还包括存储装置402、处理器401以及显示器403。Referring to FIG. 4, it is a schematic structural diagram of a bank teller machine according to an embodiment of the present invention. The server of the embodiment of the present invention may include a power supply module and various shell structures, and further includes a storage device 402 in the embodiment of the present invention. The processor 401 and the display 403.
所述存储装置302可以包括易失性存储器(volatile memory)，例如RAM；存储装置302也可以包括非易失性存储器(non-volatile memory)，例如flash memory，HDD或SSD；存储装置302还可以包括上述种类的存储器的组合。所述处理器301可以是CPU。所述处理器301还可以进一步包括硬件芯片。The storage device 302 may include a volatile memory such as a RAM; the storage device 302 may also include a non-volatile memory such as a flash memory, HDD or SSD; the storage device 302 may also A combination of memories of the above kind is included. The processor 301 can be a CPU. The processor 301 may further include a hardware chip.
所述显示器403，用于显示图形码；The display 403 is configured to display a graphic code;
所述存储装置402，用于存储程序指令；The storage device 402 is configured to store program instructions.
所述处理器401，调用所述程序指令，用于在检测到银行卡插卡操作，并检测到需要进行取款处理请求时，在所述显示器403上显示图形码；在接收到密码输入信息后，将该密码输入信息和在所述银行卡插卡操作所读取的银行卡***所对应的密码验证信息进行验证，如果验证成功，则响应所述取款处理请求，根据取款金额执行取款处理；其中，所述密码输入信息和所述取款金额是用户终端扫描所述图形码后，在图形码对应的服务器提供的用户界面上输入并发送给服务器，由服务器发送给银行柜员机的。The processor 401 is configured to invoke the program instruction to display a graphic code on the display 403 when detecting a bank card insertion operation and detecting that a withdrawal request is required; after receiving the password input information And verifying the password input information and the password verification information corresponding to the bank card number read by the bank card card operation, and if the verification is successful, executing the withdrawal process according to the withdrawal amount in response to the withdrawal processing request; The password input information and the withdrawal amount are input by the user terminal after scanning the graphic code on the user interface provided by the server corresponding to the graphic code, and sent to the server, and sent by the server to the bank teller machine.
在一个实施例中，所述处理器401，还用于检测余额值；如果余额值小于预设的阈值，则发出不能响应处理请求的通知消息，所述通知消息包括语音提示消息和/或影像提示消息；如果余额值不小于预设的阈值，则显示图形码。In an embodiment, the processor 401 is further configured to detect a balance value; if the balance value is less than a preset threshold, issue a notification message that cannot respond to the processing request, where the notification message includes a voice prompt message and/or an image. A prompt message; if the balance value is not less than the preset threshold, the graphic code is displayed.
在一个实施例中，所述处理器401，还用于在显示图形码的同时，检测是否通过物理按键接收到密码输入信息；若是，将密码输入信息与在所述银行卡插卡操作所读取的银行卡***所对应的密码验证信息进行验证，如果验证成功，则取消显示所述图形码；银行柜员机响应所述取款处理请求，根据所述取 款金额执行取款处理。In an embodiment, the processor 401 is further configured to: when displaying the graphic code, detect whether the password input information is received through the physical button; if yes, enter the password input information and read the card operation in the bank card The password verification information corresponding to the bank card number is verified, and if the verification is successful, the graphic code is cancelled; the bank teller responds to the withdrawal processing request, according to the The amount of the payment is executed.
上述图3和图4所对应实施例中的服务器和银行柜员机中处理器的具体实现可参考上述图2所对应实施例中的相关步骤的描述。For the specific implementation of the processor in the server and the bank teller in the embodiment corresponding to FIG. 3 and FIG. 4, reference may be made to the description of the related steps in the embodiment corresponding to FIG. 2 above.
本发明实施例中，密码输入过程可以通过用户终端、服务器来输入给银行柜员机，即使非法用户对银行柜员机进行非法处理，也不能够获取到银行卡的取款密码，基本排除了非法人员通过银行柜员机的输入键盘来非法提取用户密码的可能性，提高了用户财产的安全性。In the embodiment of the present invention, the password input process can be input to the bank teller machine through the user terminal and the server, and even if the illegal user illegally processes the bank teller machine, the withdrawal password of the bank card cannot be obtained, and the illegal personnel are basically excluded from the bank teller machine. The possibility of illegally extracting user passwords by the input keyboard improves the security of the user's property.
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机程序来指令相关的硬件来完成，所述的程序可存储于一计算机可读取存储介质中，该程序在执行时，可包括如上述各方法的实施例的流程。其中，所述的存储介质可为磁碟、光盘、只读存储记忆体(Read-Only Memory，ROM)或随机存储记忆体(Random Access Memory，RAM)等。One of ordinary skill in the art can understand that all or part of the process of implementing the foregoing embodiments can be completed by a computer program to instruct related hardware, and the program can be stored in a computer readable storage medium. When executed, the flow of an embodiment of the methods as described above may be included. The storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).
以上所揭露的仅为本发明一种部分实施例而已，当然不能以此来限定本发明之权利范围，本领域普通技术人员可以理解实现上述实施例的全部或部分流程，并依本发明权利要求所作的等同变化，仍属于发明所涵盖的范围。 The above disclosure is only a part of the embodiments of the present invention, and of course, the scope of the present invention is not limited thereto, and those skilled in the art can understand all or part of the process of implementing the above embodiments, and according to the claims of the present invention. Equivalent changes made are still within the scope of the invention.

Claims (10)

  1. 一种信息处理方法，其特征在于，包括：An information processing method, comprising:
    银行柜员机在检测到银行卡插卡操作，并检测到需要进行取款处理请求时，显示图形码；The bank teller machine displays the graphic code when detecting the card card insertion operation and detecting that the withdrawal request is required;
    用户终端扫描所述图形码，并解析所述图形码进入该图形码所指示的服务器的用户界面，该用户界面用于接收密码信息和取款金额；The user terminal scans the graphic code, and parses the graphic code into a user interface of the server indicated by the graphic code, where the user interface is configured to receive password information and a withdrawal amount;
    用户终端根据在所述用户界面上的操作处理获取密码输入信息和取款金额，并将密码输入信息和取款金额发送给所述服务器；The user terminal obtains the password input information and the withdrawal amount according to the operation processing on the user interface, and sends the password input information and the withdrawal amount to the server;
    所述服务器将所述密码输入信息和取款金额发送给所述银行柜员机；The server sends the password input information and the withdrawal amount to the bank teller machine;
    所述银行柜员机在接收到所述密码输入信息后，将该密码输入信息和在所述银行卡插卡操作所读取的银行卡***所对应的密码验证信息进行验证，如果验证成功，则响应所述取款处理请求，根据所述取款金额执行取款处理。After receiving the password input information, the bank teller machine verifies the password input information and the password verification information corresponding to the bank card number read by the bank card card operation, and if the verification succeeds, the response The withdrawal processing request performs a withdrawal process according to the withdrawal amount.
  2. 如权利要求1所述的方法，其特征在于，所述显示图形码之前，还包括：The method of claim 1, wherein before the displaying the graphic code, the method further comprises:
    银行柜员机检测余额值；Bank teller machine detects the balance value;
    如果余额值小于预设的阈值，则银行柜员机发出不能响应处理请求的通知消息，所述通知消息包括语音提示消息和/或影像提示消息；If the balance value is less than the preset threshold, the bank teller sends a notification message that cannot respond to the processing request, and the notification message includes a voice prompt message and/or an image prompt message;
    如果余额值不小于预设的阈值，则银行柜员机执行所述显示图形码的步骤。If the balance value is not less than the preset threshold, the bank teller performs the step of displaying the graphic code.
  3. 如权利要求2所述的方法，其特征在于，所述服务器对应于一即时通讯应用的服务账号，所述用户终端是在打开即时通讯应用后扫描所述图形码的，所述图形码为二维码。The method of claim 2, wherein the server corresponds to a service account of an instant messaging application, and the user terminal scans the graphic code after opening an instant messaging application, the graphic code is two Dimension code.
  4. 如权利要求1所述的方法，其特征在于，所述服务器将所述密码输入信息和取款金额发送给所述银行柜员机之前，还包括： The method of claim 1, wherein before the server sends the password input information and the withdrawal amount to the bank teller machine, the method further comprises:
    所述服务器获取所述银行柜员机的余额值；The server acquires a balance value of the bank teller machine;
    所述服务器在余额值小于预设的阈值时，发出不能响应处理请求的通知消息给所述用户终端，所述通知消息包括语音提示消息和/或影像提示消息；When the balance value is less than a preset threshold, the server sends a notification message that cannot respond to the processing request to the user terminal, where the notification message includes a voice prompt message and/or an image prompt message;
    所述服务器在余额值不小于预设的阈值时，执行所述所述密码输入信息和取款金额发送给所述银行柜员机。The server executes the password input information and the withdrawal amount to be sent to the bank teller when the balance value is not less than a preset threshold.
  5. 如权利要求1所述的方法，其特征在于，还包括：The method of claim 1 further comprising:
    银行柜员机在显示图形码的同时，检测是否通过物理按键接收到密码输入信息；The bank teller machine detects whether the password input information is received through the physical button while displaying the graphic code;
    若是，银行柜员机将密码输入信息与在所述银行卡插卡操作所读取的银行卡***所对应的密码验证信息进行验证，如果验证成功，则取消显示所述图形码；If yes, the bank teller machine verifies the password input information and the password verification information corresponding to the bank card number read by the bank card card operation, and if the verification is successful, cancels displaying the graphic code;
    银行柜员机响应所述取款处理请求，根据所述取款金额执行取款处理。The bank teller machine performs the withdrawal process according to the withdrawal amount in response to the withdrawal request.
  6. 一种服务器，其特征在于，包括：存储装置和处理器；A server, comprising: a storage device and a processor;
    所述存储装置，用于存储程序指令；The storage device is configured to store program instructions;
    所述处理器，用于调用所述存储装置中存储的程序指令，用于The processor is configured to invoke a program instruction stored in the storage device, for
    接收用户终端发送的密码输入信息和取款金额，所述密码输入信息和取款金额是所述用户终端在扫描图形码后得到的用户界面上输入的，所述图形码是银行柜员机在检测到银行卡插卡操作并检测到需要进行取款处理请求时显示的；Receiving password input information and withdrawal amount sent by the user terminal, where the password input information and the withdrawal amount are input on a user interface obtained by the user terminal after scanning the graphic code, where the graphic code is that the bank teller machine detects the bank card Displayed when the card is operated and detects that a withdrawal request is required;
    将所述密码输入信息和取款金额发送给所述银行柜员机，以便于所述银行柜员机确定是否响应所述取款处理请求。And transmitting the password input information and the withdrawal amount to the bank teller machine, so that the bank teller determines whether to respond to the withdrawal processing request.
  7. 如权利要求6所述的服务器，其特征在于，所述处理器，还用于The server according to claim 6, wherein said processor is further configured to
    获取所述银行柜员机的余额值；Obtaining the balance value of the bank teller machine;
    在余额值小于预设的阈值时，发出不能响应处理请求的通知消息给所述用户终端，所述通知消息包括语音提示消息和/或影像提示消息；When the balance value is less than the preset threshold, sending a notification message that cannot respond to the processing request to the user terminal, where the notification message includes a voice prompt message and/or an image prompt message;
    在余额值不小于预设的阈值时，执行所述所述密码输入信息和取款金额发 送给所述银行柜员机。When the balance value is not less than a preset threshold, the password input information and the withdrawal amount are executed. Send it to the bank teller machine.
  8. 一种银行柜员机，其特征在于，包括：存储装置、处理器以及显示器；A bank teller machine, comprising: a storage device, a processor and a display;
    所述显示器，用于显示图形码；The display is configured to display a graphic code;
    所述存储装置，用于存储程序指令；The storage device is configured to store program instructions;
    所述处理器，调用所述程序指令，用于The processor, calling the program instruction, for
    在检测到银行卡插卡操作，并检测到需要进行取款处理请求时，在所述显示器上显示图形码；Displaying a graphic code on the display when detecting a bank card insertion operation and detecting that a withdrawal request is required;
    在接收到密码输入信息后，将该密码输入信息和在所述银行卡插卡操作所读取的银行卡***所对应的密码验证信息进行验证，如果验证成功，则响应所述取款处理请求，根据取款金额执行取款处理；After receiving the password input information, verifying the password input information and the password verification information corresponding to the bank card number read by the bank card card operation, and if the verification is successful, responding to the withdrawal processing request, Perform withdrawal processing according to the withdrawal amount;
    其中，所述密码输入信息和所述取款金额是用户终端扫描所述图形码后，在图形码对应的服务器提供的用户界面上输入并发送给服务器，由服务器发送给银行柜员机的。The password input information and the withdrawal amount are input by the user terminal after scanning the graphic code on the user interface provided by the server corresponding to the graphic code, and sent to the server, and sent by the server to the bank teller machine.
  9. 如权利要求8所述的银行柜员机，其特征在于，所述处理器，还用于A bank teller machine according to claim 8 wherein said processor is further
    检测余额值；Check the balance value;
    如果余额值小于预设的阈值，则发出不能响应处理请求的通知消息，所述通知消息包括语音提示消息和/或影像提示消息；And if the balance value is less than the preset threshold, sending a notification message that cannot respond to the processing request, where the notification message includes a voice prompt message and/or an image prompt message;
    如果余额值不小于预设的阈值，则显示图形码。If the balance value is not less than the preset threshold, the graphic code is displayed.
  10. 如权利要求8所述的银行柜员机，其特征在于，所述处理器，还用于A bank teller machine according to claim 8 wherein said processor is further
    在显示图形码的同时，检测是否通过物理按键接收到密码输入信息；While displaying the graphic code, detecting whether the password input information is received through the physical button;
    若是，将密码输入信息与在所述银行卡插卡操作所读取的银行卡***所对应的密码验证信息进行验证，如果验证成功，则取消显示所述图形码；If yes, the password input information is verified with the password verification information corresponding to the bank card number read by the bank card card operation, and if the verification is successful, the graphic code is cancelled;
    银行柜员机响应所述取款处理请求，根据所述取款金额执行取款处理。 The bank teller machine performs the withdrawal process according to the withdrawal amount in response to the withdrawal request.
PCT/CN2017/097771 2017-08-17 2017-08-17 Information processing method, server and bank teller machine WO2019033324A1 (en)

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CN104240370A (en) * 2014-09-24 2014-12-24 冯林 Money depositing and withdrawing system on basis of dynamic two-dimensional codes
CN105389727A (en) * 2015-10-21 2016-03-09 福建网龙计算机网络信息技术有限公司 Method and system based on mobile terminal for withdrawing money at ATM machine
CN105427100A (en) * 2015-11-11 2016-03-23 姜律羌 Bank card transaction method, apparatus and system
CN106991769A (en) * 2017-05-22 2017-07-28 滁州学院 A kind of withdrawal system based on Quick Response Code

Patent Citations (4)

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Publication number Priority date Publication date Assignee Title
CN104240370A (en) * 2014-09-24 2014-12-24 冯林 Money depositing and withdrawing system on basis of dynamic two-dimensional codes
CN105389727A (en) * 2015-10-21 2016-03-09 福建网龙计算机网络信息技术有限公司 Method and system based on mobile terminal for withdrawing money at ATM machine
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