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Cardless withdrawal method

A consistent and user-friendly technology, applied in protocol authorization, instruments, payment systems, etc., can solve problems such as potential safety hazards, user inconvenience, forgetting to take cards, etc., and achieve the effect of improving security and facilitating operation

Inactive Publication Date: 2017-12-08
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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  • Cardless withdrawal method

Examples

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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 machine with a unique identification number and a function of generating a two-dimensional code, and includes the following steps:

[0027] S1: The user inputs the withdrawal amount on the ATM machine. Specifically, the user selects a withdrawal transaction on the ATM machine, and inputs the withdrawal amount. Use the smart phone you carry with you to log in to mobile banking through the Internet.

[0028] S2: The ATM machine generates a QR code label according to the withdrawal amount and the identification number. Specifically, the ATM machine has a unique identification number, which corresponds to the identity of the ATM machine. The ATM machine will generate a two-dimensional code label with the withdrawal amount and the identification number information and di...

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Abstract

The invention relates to a cardless withdrawal method based on a smartphone and an ATM with a unique identification number and a two-dimensional code generation function. The method comprises the steps that S1, a withdrawal amount is input into the ATM; S2, the ATM generates a two-dimensional code tag according to the withdrawal amount and the identification number; S3, a user logs into a mobile bank client and scans the two-dimensional code tag on the ATM; S4, a server sends an instruction for inputting bank account information; S5, the bank account information is input; S6, the server compares the received bank account information with bank account information preset by the user; S7, the server sends a short-message verification code; S8, the short-message verification code is input; S9, the server compares the received short-message verification code with the sent short-message verification code; S10, the server sends a currency withdrawing instruction to the ATM; and S11, the ATM executes currency withdrawing operation. According to the method, the two-dimensional code tag which is generated by the ATM and contains withdrawal transaction information is scanned through the smartphone, so that cardless withdrawal is realized, operation is convenient, and security is improved.

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): G06Q20/32G06Q20/38G06Q20/40
CPCG06Q20/3276G06Q20/388G06Q20/401
Inventor 伍文享
Owner 台山市金讯互联网络科技有限公司
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