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Service processing method and system based on automatic teller machine

A technology for business processing and teller machines, applied in the complete banking system, complete banking system, handling coins or valuable banknotes, etc., can solve problems such as long queues, loss of bank card users, and difficulty in solving teller machine queuing, etc., to achieve improvement Efficiency of use, increased transaction security and accuracy, and reduced time to enter business request information

Active Publication Date: 2015-04-29
腾源大数据信息技术(江苏)有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

To solve the problem of long queues, one of the countermeasures is to increase the number of teller machines. However, due to the limitation of the site, some places cannot have space to install teller machines. Moreover, even if there is space for the installation of teller machines in the business site, due to each The price of ATMs is between 100,000 and 150,000, and a huge amount of cost is required to purchase a large number of ATMs
[0003] On the other hand, there are some criminals in the society who use card stealers and code stealers to steal users' bank cards and passwords on teller machines, causing great losses to bank card users. When operating in front of you, you will vigilantly cover the ATM keyboard with your hands. However, this will make yourself and the people around you feel very embarrassed
In response to this problem, although someone has designed a cardless withdrawal scheme, this service requires pre-application, and it is difficult to solve the queue problem of ATMs
In addition, in order to prevent others from peeping, ATMs are currently equipped with a shielding device on the keyboard. While preventing others from peeping, the shielding device also brings visual and operational inconvenience to the cardholder. The user must lower his head to get close to the keyboard. Only when you can see clearly, you often make mistakes because you don’t see the keyboard clearly

Method used

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  • Service processing method and system based on automatic teller machine
  • Service processing method and system based on automatic teller machine
  • Service processing method and system based on automatic teller machine

Examples

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Embodiment 1

[0067] A user wants to withdraw 1,000 yuan from his bank card. He comes to the teller machine at the bank business point and waits in line to withdraw the money. In order to save operating time and prevent the password from being leaked, he took out his mobile phone and followed the notice on the mobile phone appointment withdrawal method posted next to the teller machine. First, he sent a code to a certain SMS platform. After receiving the request information, the SMS platform responded with a On the service selection interface, the user chooses to withdraw money. After pressing confirm, the mobile phone receives a reply. Please enter the first 10 digits of the bank card. If you are a local debit card user, please press the number key directly. The user chooses to press the number key, and the integrated front-end processor of the bank receives the information sent by the SMS platform, extracts the mobile phone number and sends it to the accounting system of the local bank's p...

Embodiment 2

[0069] Someone is shopping in a shopping mall and needs to pay with a bank card. Because there are many people in line and in order not to reveal his password, he first uses his mobile phone to send a code to a short message platform. After receiving the request information, the short message platform will reply with a business choice Interface, there is a column in the selection interface for the POS machine password to be entered in advance, he clicks on this column, and the mobile phone enters the next interface: Please enter the password, the user enters the bank card password, clicks OK, and the user's bank password is sent to the accounting system for business requests Store in the corresponding module, generate an incomplete business request form with a transaction password, then insert your own bank card into the POS machine of the merchant, the clerk enters the payment amount, press OK, and the information entered by the POS machine such as the bank card account number ...

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Abstract

The invention provides service processing method and system based on an automatic teller machine. The method comprises the steps of submitting first service request information beside, except an authentication key to a mobile terminal, wherein the first service request information includes transaction type, transaction data and bank card information; submitting second service request information to the automatic teller machine, wherein the second service request information includes the authentication key and the bank card information; generating complete third service request information by the automatic teller machine according to the first service request information and the second service request information; processing accounting by the automatic teller machine according to the third service request information. With the adoption of the method and system, a user can operate key at few times or does not need to operate the key during using the automatic teller machine, so that the time of each user operating the automatic teller machine each time can be greatly reduced, and as a result, the purposes of reducing sequencing phenomenon and ensuring the privacy information safety of the user can be achieved.

Description

technical field [0001] The invention relates to the technical field of banking business processing, in particular to a business processing method and system based on bank teller machines. Background technique [0002] At present, due to the rapid increase of bank card users, there is a phenomenon of queuing in front of teller machines. Although mobile electronic banking can solve the transactions of some users, some businesses cannot be operated through electronic banking, such as cash deposit, withdrawal and deposit. In addition, there are many bank card users who have not applied to become mobile banking and online banking users. Therefore, teller machines have become the main transaction tool for bank card users. In many places, especially big cities, the phenomenon of long queues in front of teller machines has always plagued banks and has become an important problem that banks need to solve urgently. To solve the problem of long queues, one of the countermeasures is to...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F19/00
Inventor 张文
Owner 腾源大数据信息技术(江苏)有限公司