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Card-free payment system of automatic teller machine of bank

A payment system and teller technology, applied in the complete banking system, complete banking system, coinless or similar appliances, etc., can solve problems such as poor network signal, cumbersome operation process, economic loss of legal users, etc., to achieve Convenient cardless cash withdrawal, enhanced use security effect

Inactive Publication Date: 2014-03-19
福建今日特价网络有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] When the user withdraws money on the teller machine, if criminals obtain the user's bank card account number and password, and then clone the user's bank card, the criminals can withdraw money on the teller machine in other places, which will bring great economic losses to legitimate users
In addition, the mobile phone on the bank teller machine now makes an appointment to withdraw cash. The user must log in to the bank site to obtain an SMS authorization code before withdrawing money on the teller machine. , it is not possible to withdraw money without a card on the teller machine. Even if the withdrawal is realized without a card on the teller machine, the whole operation process is very cumbersome

Method used

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  • Card-free payment system of automatic teller machine of bank
  • Card-free payment system of automatic teller machine of bank

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0034] Example 1, such as figure 1 Shown: a bank teller machine cardless payment system, including a dynamic number generating mechanism, a user account binding mechanism and a teller machine authentication mechanism, characterized in that: the dynamic number generating mechanism has a unique serial number presenter and a unique key built in generator, number generation trigger, confidential number generator and confidential number presenter, the unique serial number presenter contains a serial number completely composed of a series of numbers, the serial number is unique, different from other dynamic number generation mechanism The serial number in the unique serial number presenter, the key in the unique key built-in device is a string, which is also unique, and the unique serial number corresponds to the unique key one by one. If the number generation trigger is triggered, it will be confidential The number generator then begins to perform the following operations:

[0035...

Embodiment 2

[0041] Example 2, such as figure 2 Shown: a bank teller machine cardless payment system, including a dynamic number generating mechanism, a user account binding mechanism and a teller machine authentication mechanism, characterized in that: the dynamic number generating mechanism has a unique serial number presenter and a unique key built in generator, number generation trigger, confidential number generator and confidential number presenter, the unique serial number presenter contains a serial number completely composed of a series of numbers, the serial number is unique, different from other dynamic number generation mechanism The serial number in the unique serial number presenter, the key in the unique key built-in device is a string, which is also unique, and the unique serial number corresponds to the unique key one by one. If the number generation trigger is triggered, it will be confidential The number generator then begins to perform the following operations:

[004...

Embodiment 3

[0048] Example 3, such as figure 1 Shown: a bank teller machine cardless payment system, including a dynamic number generating mechanism, a user account binding mechanism and a teller machine authentication mechanism, characterized in that: the dynamic number generating mechanism has a unique serial number presenter and a unique key built in generator, number generation trigger, confidential number generator and confidential number presenter, the unique serial number presenter contains a serial number completely composed of a series of numbers, the serial number is unique, different from other dynamic number generation mechanism The serial number in the unique serial number presenter, the key in the unique key built-in device is a string, which is also unique, and the unique serial number corresponds to the unique key one by one. If the number generation trigger is triggered, it will be confidential The number generator then begins to perform the following operations:

[0049...

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PUM

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Abstract

The invention aims to overcome deficiencies in the prior art, and provides a card-free payment system of an automatic teller machine of a bank. When conducting transactions such as money withdrawal on the automatic teller machine, a user does not need to insert a bank card and register a bank site to obtain a short message authorization code, and dynamic confidential digits are directly generated by a dynamic digital generating device (a mobile phone or other mobile hardware) of the user, so that safe and convenient operations such as money withdrawal without the card can be smoothly realized.

Description

technical field [0001] The invention belongs to the fields of user bank card account number protection and teller machine card-free payment, and in particular relates to a bank teller machine card-less payment system. Background technique [0002] The user withdraws money on the teller machine, if criminals obtain the user's bank card account number and password, and then clone the user's bank card, the criminals can withdraw money on the cash machine in other places, which will bring great economic losses to legitimate users. In addition, the mobile phone on the bank teller machine now makes an appointment to withdraw cash. The user must log in to the bank site to obtain an SMS authorization code before withdrawing money on the teller machine. , can not realize no-card withdrawal on the teller machine, even if realize no-card withdrawal on the teller machine, the whole operation process is also very loaded down with trivial details. Contents of the invention [0003] Th...

Claims

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Application Information

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IPC IPC(8): G07F19/00G07F7/02
Inventor 张仁平
Owner 福建今日特价网络有限公司