Method for card-free withdrawal

A consistent bank card number technology, applied to the software of ATMs, parts of ATMs, withdrawals in ATMs, etc., can solve problems such as potential safety hazards, inconvenience for users, forgetting to take out cards, etc., and improve security The effect of sexiness and convenient operation

Inactive Publication Date: 2017-11-24
台山市金讯互联网络科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

If the bank card is lost or the withdrawal password is intercepted by criminals, it will probably cause property loss to the user. In addition, the phenomenon of forgetting to take out the card or being swallowed after withdrawing money also happens from time to time, which will bring great inconvenience to the user.
Therefore, relying solely on bank cards for withdrawals has serious security risks

Method used

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  • Method for card-free withdrawal

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Effect test

Embodiment Construction

[0026] see figure 1 , figure 1 It is a flow chart of the method for withdrawing money without a card in the present invention. The method for withdrawing cash without a card is based on a smart phone and an ATM with a two-dimensional code scanning module, and includes the following steps:

[0027] S1: The user logs in to the mobile banking client terminal through a smartphone. Specifically, the user logs in to the mobile banking through the Internet using a smart phone carried with him.

[0028] S2: The user enters the bank account information and withdrawal amount, and sends them to the server. The bank account information includes the bank card number, the mobile phone number bound to the bank card number, and the withdrawal password. Among them, the bank card number can be pre-stored through the account management function of the mobile banking client. When the user needs to input the bank card number, he can choose from the drop-down menu instead of remembering the bank...

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Abstract

The invention relates to a method for card-free withdrawal, based on a smart phone and an ATM with a QR code scanning module. The method comprises the steps that (S1) a mobile phone bank client side is logged-in by the smart phone; (S2) bank account information and a withdrawal amount are input; (S3) a server compares the received bank account information with bank account information preset by a user; (S4) a short message verification code is sent by the server; (S5) the short message verification code is input by the smart phone; (S6) the server compares the received short message verification code and the sent short message verification code; (S7) withdrawal record information is generated by the server; (S8) by the smart phone, a QR code label is generated according to the withdrawal record information; (S9) the QR code label is scanned by the QR code scanning module of the ATM; (S10) the server carries out data processing and then sends a cash discharge instruction to the corresponding ATM; and (S11) the ATM executes a cash discharge operation after receiving the cash discharge instruction. By the method disclosed by the invention, card-free withdrawal can be achieved; operations are convenient; and safety is enhanced.

Description

technical field [0001] The invention relates to the field of bank withdrawals, in particular to a cardless withdrawal method. Background technique [0002] At present, most of the withdrawal operations on bank ATMs still rely on bank cards. Users need to insert their bank cards first, and then enter the withdrawal password on the ATM to perform withdrawal operations. If the bank card is lost or the withdrawal password is intercepted by criminals, it will probably cause property loss to the user. In addition, the phenomenon of forgetting to take out the card and being swallowed after withdrawing money also happens from time to time, which brings great inconvenience to the user. Therefore, relying solely on bank cards for withdrawals has serious security risks. Contents of the invention [0003] Based on this, the object of the present invention is to provide a method for withdrawing money without a card, which is more convenient and safer without carrying a bank card when ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F19/00
CPCG07F19/203G07F19/211
Inventor 伍文享
Owner 台山市金讯互联网络科技有限公司
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