Method and system for realizing transaction without bank card through automatic teller machine

Abstract

The invention provides a method and a system for realizing transaction without a bank card through an automatic teller machine. The method comprises the steps that: when a user selects a bank card-free transaction mode on the automatic teller machine, the automatic teller machine displays a two-dimension code, the user logs in to an App application program account by virtue of a mobile terminal, scans the two-dimension code to respond to a bank card interface of the user account and selects a bank card, next, an App application program sends the bank card and information contained in the two-dimension code to a bank server after encryption, the bank server decrypts the received information and confirms the transaction by virtue of the information included in the two-dimension code, and when the bank server confirms that the transaction is succeed, the user enters correct bank card password and then can carry out transaction operation on the automatic teller machine just like using the bank card. The method and the system are adaptive to the development tendency of card-free life so that internet finance is more integrated into the life of people, and due to the adoption of the method and the system, the transaction operation can be realized on the automatic teller machine without the bank card.

Description

technical field [0001] The invention relates to a bank card transaction method, in particular to a method and system for realizing transaction without a bank card on an automatic teller machine. Background technique [0002] At present, when people need to deposit, transfer, withdraw money, etc., the common operation is to carry the bank card to the automatic teller machine for corresponding operations. It is essential. Sometimes you may forget to take out the card, and sometimes the transaction cannot be carried out due to the failure of the card reader device. Sometimes you may even encounter the problem that the bank card cannot be taken out after being inserted. Such a transaction method is cumbersome to operate. Time-consuming, user experience needs to be improved. [0003] Some existing banks have also introduced transaction methods that can be traded on automatic teller machines without cards, such as card-free deposits and card-free withdrawals, but their funct...

AI Technical Summary

Problems solved by technology

[0004] In order to solve the above problems in the prior art, the present invention provides a method and system for realizing transactions without a bank card on an automatic teller machine, which enables people to perform transactions equivalent to using a bank card on an automatic teller machine without carrying a bank card. The transaction operation of bank card transactions, and overcomes many cumbersome problems caused by using bank cards, improves user experience, and is more secure

Images