The invention provides a method and a
system for realizing transaction without a
bank card through an automatic teller
machine. The method comprises the steps that: when a user selects a
bank card-free transaction mode on the automatic teller
machine, the automatic teller
machine displays a two-dimension code, the user logs in to an App application program account by virtue of a mobile terminal, scans the two-dimension code to respond to a
bank card interface of the user account and selects a bank card, next, an App application program sends the bank card and information contained in the two-dimension code to a bank
server after
encryption, the bank
server decrypts the received information and confirms the transaction by virtue of the information included in the two-dimension code, and when the bank
server confirms that the transaction is succeed, the user enters correct bank card
password and then can carry out transaction operation on the automatic teller machine just like using the bank card. The method and the
system are adaptive to the development tendency of card-free life so that internet finance is more integrated into the life of people, and due to the adoption of the method and the
system, the transaction operation can be realized on the automatic teller machine without the bank card.