Authentication method and system based on ATM

An authentication method and authentication code technology, applied in the field of channel terminals, can solve problems such as inconvenience for ATM users to withdraw money, and achieve the effect of convenient ATM withdrawal

Inactive Publication Date: 2010-08-18
BANK OF COMMUNICATIONS
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The main purpose of the embodiments of the present invention is to provide an ATM-based authentication scheme to solve the problem that the ATM withdrawal method in the prior art requires bank card authentication and brings inconvenience to ATM users.

Method used

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  • Authentication method and system based on ATM
  • Authentication method and system based on ATM
  • Authentication method and system based on ATM

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0037] The embodiment of the present invention provides a kind of authentication method based on ATM, such as figure 1 As shown, the method includes:

[0038] Step 101, receiving the no-card scheduled withdrawal request input by the user (may be referred to simply as the scheduled withdrawal request), which includes the contracted mobile phone number, authentication code (in this example, it may be called the reserved verification code), withdrawal amount , and the authentication information of the transaction password, wherein the reservation verification code is pre-set by the ATM customer and the mobile banking, and the transaction password is pre-set by the ATM customer and the bank;

[0039] Step 102, according to the above contracted mobile phone number, obtain the pre-set withdrawal reservation information including bank card number, reservation verification code, withdrawal amount, and transaction password from mobile banking;

[0040] Step 103: Authenticate the recei...

Embodiment 2

[0057] The embodiment of the present invention provides a kind of authentication method based on ATM, such as image 3 As shown, the method includes:

[0058] Step 301, receiving a card-free dynamic code withdrawal request (which may be referred to as a dynamic code withdrawal request) input by the user including the contracted mobile phone number;

[0059] Step 302, generate authentication code (can be referred to as short message dynamic code in this example) according to dynamic code withdrawal request, and send this short message dynamic code to the mobile phone corresponding to the contracted mobile phone number;

[0060] Step 303, receiving authentication information including SMS dynamic code, withdrawal amount, and transaction password, wherein the transaction password is preset by the ATM customer and the bank;

[0061] Step 304, according to the above-mentioned mobile phone number, obtain the pre-set dynamic code withdrawal information including contracted mobile ph...

Embodiment 3

[0076] An embodiment of the present invention provides an ATM-based authentication system. Preferably, the authentication system is used to implement the method in Embodiment 1 above. Such as Figure 5 Shown, this authentication system based on ATM comprises: ATM51 and ATM background 52, wherein:

[0077] ATM51 includes:

[0078] Reservation withdrawal request receiving unit 510 is used to receive the reservation withdrawal request input by the user (i.e. the no-card reservation withdrawal request in Embodiment 1), the reservation withdrawal request includes the contracted mobile phone number, reservation verification code, withdrawal amount, and transaction password authentication information, among which, the appointment verification code is pre-set by the user and mobile banking;

[0079] A payment unit 511, configured to output the same amount of money as the withdrawal amount in the scheduled withdrawal request when the scheduled withdrawal request is authenticated succ...

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PUM

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Abstract

The invention provides an authentication method and an authentication system based on an ATM. The authentication method based on an ATM comprises the following steps of: receiving a user-input appointed withdrawal request including a contract mobile telephone number, an authentication code, a withdrawal sum and a trading password; acquiring preset appointed withdrawal information including a bank card number, the authentication code, the withdrawal sum and the trading password from the mobile phone bank based on the contract mobile telephone number; and authenticating the received appointed withdrawal request based on the acquired appointed withdrawal information to output the sum which is the same with the withdrawal sum in the appointed withdrawal request when the authentication is successful. The invention can overcome the problem that the bank authentication is necessary for the ATM withdrawal in the prior art, thereby facilitating the user of withdrawing money from the ATM.

Description

technical field [0001] The invention relates to channel terminal technology in a bank computer network, in particular to an authentication method and system based on an ATM (Automatic Teller Machine, automatic teller machine). Background technique [0002] At present, there are two main ways to realize the withdrawal needs of bank customers: one is that the customer goes to the bank branch in person, and withdraws money through the bank counter; [0003] There are deficiencies in the above two withdrawal methods: for the first withdrawal method at the bank counter, the customer first needs to know the specific location of the bank outlet, because the bank outlets are relatively small compared to the vast area of ​​the city, and the distribution is uneven, so the customer wants to It is difficult to find the nearest bank outlet. In addition, the counter business of the bank outlet is relatively busy, so even if the customer finds the bank outlet, it will take a long time to p...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F7/00H04L29/06
Inventor 侯维栋
Owner BANK OF COMMUNICATIONS
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