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Non-card withdrawal method, computer readable storage medium and server

A server and automatic teller machine technology, applied in the computer field, can solve the problem of low security of cash withdrawal without card

Inactive Publication Date: 2019-03-08
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In view of this, the embodiment of the present invention provides a cardless withdrawal method, a computer-readable storage medium and a server to solve the problem of low security of cardless withdrawal in the prior art

Method used

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  • Non-card withdrawal method, computer readable storage medium and server
  • Non-card withdrawal method, computer readable storage medium and server
  • Non-card withdrawal method, computer readable storage medium and server

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0036] Embodiment 1 of the present invention provides a cardless withdrawal method. combine figure 1 , the method includes:

[0037] S101. The server receives a no-card withdrawal request message sent by a mobile terminal, where the no-card withdrawal request message includes the unique identifier of the mobile terminal, account login credentials, withdrawal amount and withdrawal time.

[0038] Optionally, the user logs in to the client terminal of the mobile banking through the mobile terminal, or logs in to the client terminal of the third-party payment platform. Specifically, this embodiment of the present invention does not limit this.

[0039] In the embodiment of the present invention, the mobile terminal communicates with the server through the mobile Internet, and the server communicates with the automatic teller machine through the bank's internal dedicated line.

[0040] Optionally, the user logs in to the client through an account password, or through a fingerprin...

Embodiment approach

[0052] The first type is the scanning module of the automatic teller machine, such as the camera module of the automatic teller machine, which scans the two-dimensional code and analyzes the two-dimensional code. Specifically, the algorithm for generating the two-dimensional code by the mobile terminal is the same as The algorithm for parsing the two-dimensional code of the automatic teller machine is corresponding, and the generation and analysis of the two-dimensional code is the prior art, which is not limited in the embodiment of the present invention.

[0053] The automatic teller machine parses the two-dimensional code and obtains a result of the two-dimensional code analysis, and the automatic teller machine sends a banknote request message to the server. Uniquely identifies.

[0054] The second type: the scanning module of the automatic teller machine, such as the camera module of the automatic teller machine scans the two-dimensional, the automatic teller machine does...

Embodiment 4

[0114] Embodiment 4 of the present invention also provides a method for withdrawing cash without a card. Figure 4 , the method includes:

[0115] S401. The server obtains geographic location information of the mobile terminal or the automatic teller machine.

[0116] S402. The server judges whether there is a withdrawal record corresponding to the geographic location information in the account within a preset time period.

[0117] The withdrawal record includes a card withdrawal record and a cardless withdrawal record.

[0118] S403. If there is no withdrawal record corresponding to the geographic location information in the account within a preset time period, the server ends the cardless withdrawal request.

[0119] In order to further ensure the safety of card-free withdrawals and avoid property losses caused by the loss of the user's mobile phone, in the embodiment of the present invention, the server judges the card-free withdrawal by obtaining the geographic location ...

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Abstract

The invention provides a non-card withdrawal method, a computer readable storage medium and a server. The method comprises the steps that the server receives non-card withdrawal request information sent by a mobile terminal, whether or not the mobile terminal is legal is judged according to unique identification of the mobile terminal, and client authentication is completed according to a log-in certificate of an account; then, the server judges whether or not a non-card withdrawal request this time exceeds a threshold value of the non-card withdrawal frequency in preset time according to withdrawal time and withdrawal recording information of the account, and if not, the server sends authorization information to the mobile terminal; the mobile terminal generates a two-dimensional code according to the authorization information; an automatic teller machine scans the two-dimensional code and sends cash-out request information to the server; the server parses the cash-out request information, if parsing succeeds, cash-out indication information is sent to the automatic teller machine, so that the automatic teller machine is indicated to conduct cash-out according to the withdrawal money amount, and accordingly a user achieves non-card withdrawal safely and quickly.

Description

technical field [0001] The invention belongs to the technical field of computers, and in particular relates to a cardless withdrawal method, a computer-readable storage medium and a server. Background technique [0002] At present, when a user withdraws money through an ATM (Automatic Teller Machine, an automatic teller machine), the bank card must be inserted first before the withdrawal operation can be performed. For other problems, the operation process is cumbersome and time-consuming, which greatly affects the user experience. [0003] With the rapid development of online finance and mobile Internet, major banks have launched online banking, mobile banking and wealth management products, and major third-party payment platforms have been widely used. Therefore, cardless withdrawals through mobile terminals will It is a feasible development direction. The existing cardless withdrawal schemes include appointment withdrawals, etc., which are not only cumbersome, but also ...

Claims

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Application Information

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IPC IPC(8): G07F19/00G06Q20/32G06Q20/38G06Q20/40
CPCG06Q20/3274G06Q20/3821G06Q20/4014G07F19/203
Inventor 刘慧众
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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