Method and system for bank self-service terminal authentication, and device

Abstract

The invention provides a method and a system for bank self-service terminal authentication, and a device. The method comprises: sending an authentication medium message generated according to a user appointment request message to a mobile terminal device of a user; receiving a security authentication message acquired by the bank self-service terminal, wherein the security authentication message includes the authentication medium message acquired from the mobile terminal device of the user and an authentication message input by the user; and according to the security authentication message, generating an authentication result of the bank self-service terminal, and sending the result to the bank self-service terminal. The method and the system make range of cash withdrawal without a card wider and safer, a random cipher of ordered cash withdrawal without a card does not need to be stored through a bank short message manner, and information of the ordered cash withdrawal is stored through a two-dimensional code picture or a sound wave file. The random cipher can be transmitted to other people through a file sending method, so as to conveniently solve a problem that other people in other places cannot withdraw cash.

Description

technical field [0001] The invention relates to bank terminal data processing technology, in particular to a bank self-service terminal authentication method, system and device. Background technique [0002] In the prior art, the banking industry supports two modes for withdrawing cash from self-service terminal ATMs: 1. Using a physical bank card to insert the card into the ATM for withdrawal; 2. Using the customer’s alias (such as mobile phone number or card number) and the reservation code reserved by the customer Cardless cash withdrawal at ATMs with the bank's random password. [0003] Using the first mode of bank card and bank card password for ATM withdrawal is the most commonly used withdrawal method at present. Customers must hold the card and know the card password to withdraw cash. It is impossible to withdraw cash without a physical bank card, and it is also inconvenient. The card is given to others for temporary or remote cash withdrawal. The second mode provi...

AI Technical Summary

Problems solved by technology

[0003] Using the first mode of bank card and bank card password for ATM withdrawal is the most commonly used withdrawal method at present. Customers must hold the card and know the card password to withdraw cash. It is impossible to withdraw cash without a physical bank card, and it is also inconvenient. Give the card to others for temporary or remote cash withdrawal

The second mode provides a convenient cardless cash withdrawal function, but this mode requires the customer to manually enter the customer card number (or the alias corresponding to the card number), the reservation code reserved by the customer, and the bank's random password on the ATM before withdrawing cash. , there are a lot of manual input content, and customers are easy to input mistakes. At the same time, the bank sends random password text messages to customers, and the content of text messages is easy to be peeped and cause security risks.

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