Money withdrawing and transaction method without bank card

A transaction method and bank card technology, applied in instruments, finance, data processing applications, etc., can solve problems such as life-threatening, reissue takes a certain amount of time, bank funds are stolen, etc.

Inactive Publication Date: 2013-06-05
张艺
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] After people apply for a bank card from the bank, they must use the bank card every time to withdraw money and make transactions from bank terminals such as ATM machines and POS machines, which brings inconvenience to people who forget to bring their bank cards and want to withdraw money or make tra...

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0005] When a bank customer applies for a bank card at the bank, he signs an agreement with the bank on withdrawals and transactions without a bank card, agreeing that the customer can use a string of passwords to associate with his bank card number and the information stored in it, and define this group of passwords as card-free passwords ( The number of digits of the password is preferably more than six digits), and then set a six-digit transaction password. The card-free password and transaction password correspond to the corresponding customer account number and are stored in the database of the bank server. When the customer withdraws money and makes a transaction at the bank terminal, when the terminal prompts the customer to insert (swipe) the card, the customer presses the OK button, and a dialogue window for entering the card-free password appears on the screen of the bank terminal. Only after the customer's card-free password is entered correctly, the bank terminal sys...

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PUM

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Abstract

The technical scheme of a money withdrawing and transaction method without a bank card includes that when handling a bank card in a bank, a client signs a treaty that money withdrawing and transaction can be carried out without the bank card with the bank, a series of passwords is appointed to be relevant to bank card numbers of the client and information stored in the bank card, the group of passwords is passwords without the bank card and replaces the function of the bank card, and transaction passwords with 6 numbers are further set. The passwords without the bank card and the transaction passwords are corresponding to accounts of the client and are stored in a data base of a bank server. When a user withdraws money and transacts on a bank terminal, \ the terminal reminds the user of inserting (swiping ) the card, the user presses a determining button, a dialog box reminding the user of inputting the passwords without the bank card appears on a screen of the bank terminal, after the passwords without the bank card is input correctly by the client, a dialog box reminding the user of inputting the transaction passwords appears on the screen of a bank terminal system, after the transaction passwords of the client is input correctly, a rest process of money withdrawing and transaction is achieved, and money withdrawing without the bank card and transaction without the bank card are achieved. A bank computer system automatically sends information of the amount of money withdrawing or information of failure transaction to a mobile phone of the client.

Description

technical field [0001] The invention relates to a withdrawal and transaction method between a bank and a client, in particular to a cardless withdrawal and transaction method. Background technique [0002] After people apply for a bank card from the bank, they must use the bank card every time to withdraw money and trade from bank terminals such as ATM machines and POS machines, which brings inconvenience to people who forget to bring their bank cards and want to withdraw money or trade. Bank cards are easy to lose, and it will take some time to reissue. When a person goes out with a card, if unfortunately he is robbed or kidnapped, the criminal will often use all means to force the victim to reveal the password of the bank card after discovering the bank card carried by the victim. It's life-threatening. [0003] Contents of the invention [0004] In order to allow people to carry out withdrawals and transactions at various bank terminals without carrying bank cards, a...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
Inventor 张艺张文旗游丽娟
Owner 张艺
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