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WO2018076443A1 - Procédé, appareil et système pour retrait sans carte - Google Patents

Procédé, appareil et système pour retrait sans carte Download PDF

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Publication number
WO2018076443A1
WO2018076443A1 PCT/CN2016/107836 CN2016107836W WO2018076443A1 WO 2018076443 A1 WO2018076443 A1 WO 2018076443A1 CN 2016107836 W CN2016107836 W CN 2016107836W WO 2018076443 A1 WO2018076443 A1 WO 2018076443A1
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WO
WIPO (PCT)
Prior art keywords
self
service device
mobile terminal
information
connection
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2016/107836
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English (en)
Chinese (zh)
Inventor
邹家须
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
Original Assignee
Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Yulong Computer Telecommunication Scientific Shenzhen Co Ltd filed Critical Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
Publication of WO2018076443A1 publication Critical patent/WO2018076443A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
    • G06K7/10257—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves arrangements for protecting the interrogation against piracy attacks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/10544—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation by scanning of the records by radiation in the optical part of the electromagnetic spectrum
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/202—Depositing operations within ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/203—Dispensing operations within ATMs
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Definitions

  • the present invention relates to the field of communications technologies, and in particular, to a method, apparatus, and system for cardless withdrawal.
  • the traditional method of withdrawing money on a bank self-service cash dispenser is to input the password of the bank card through the bank card as the medium, and the bank password can be used to check the money after the correct password is checked.
  • This method requires more steps. Moreover, it is limited by the media, and cannot meet the intelligent demand for the withdrawal method. Moreover, the bank card information is easily copied illegally, the password is easily cracked, and the security is low.
  • the technical problem to be solved by the embodiments of the present invention is to provide a method, device and system for cardless withdrawal, which can improve the security of cardless withdrawal and meet the intelligent demand for information security.
  • an embodiment of the present invention provides a method for cardless withdrawal, including:
  • the mobile terminal acquires user information, and sends a response message to the self-service device, where the response message includes user information;
  • the mobile terminal sends the request amount and the signature verification information to the self-service device to facilitate the withdrawal of the withdrawal.
  • the method further includes:
  • the authentication information includes one or more of a fingerprint, a password, a gesture, and a password
  • the mobile terminal establishes a connection with the self-service device.
  • the mobile terminal establishes a connection with the self-service device, including:
  • the mobile terminal establishes a connection with the self-service device by means of short-range wireless communication NFC, or the mobile terminal establishes a connection with the self-service device by scanning a graphic code.
  • an embodiment of the present invention further provides a method for cardless withdrawal, including:
  • the self-service device obtains a response message of the mobile terminal, where the response message includes user information
  • the self-service device sends the response message to the server for identification, and if the server receives the verification information for the response message, forwarding the verification information to the mobile terminal;
  • the self-service device receives a request amount of the mobile terminal and signature verification information for signing the verification information, and generates a withdrawal request including a request amount and signature verification information, and sends the withdrawal request to the server;
  • the self-service device performs a withdrawal process according to the requested amount.
  • the method further includes:
  • the self-service device establishes a connection with the mobile terminal by means of short-range wireless communication NFC, or the self-service device establishes a connection with the mobile terminal by scanning a graphic code.
  • the self-service device and the mobile terminal establish a connection by using a scanning graphic code, which specifically includes:
  • the self-service device invokes the camera module to read the graphic code displayed on the mobile terminal, and generates communication connection information, or
  • the self-service device establishes a connection with the mobile terminal according to the communication connection information.
  • the embodiment of the invention further provides a device for cardless withdrawal, comprising:
  • a receiving module configured to receive a read request sent by the self-service device, where the read request is used to request reply to the user information
  • a sending module configured to send a response message to the self-service device, where the response message includes user information
  • the receiving module is further configured to receive verification information returned by the self-service device according to the response message;
  • a security module configured to store a digital certificate and a signature key, and sign the verification information based on the signature key to obtain signature verification information;
  • the sending module is further configured to send the request amount and the signature verification information to the self-service device, so as to complete the withdrawal.
  • the device further includes: a display module, configured to display a user interface for establishing a connection with the self-service device;
  • the receiving module is further configured to receive authentication information input on the user interface, where the authentication information includes one or more of a fingerprint, a password, a gesture, and a password;
  • the connection module is configured to establish a connection with the self-service device if the authentication information is valid.
  • the connection module is specifically configured to establish a connection with the self-service device by using a short-range wireless communication NFC, or establish a connection with the self-service device by using a scanning graphic code.
  • the embodiment of the invention further provides a device for cardless withdrawal, comprising:
  • An obtaining module configured to obtain a response message of the mobile terminal, where the response message includes user information
  • a communication module configured to send the response message to the server for identification, and if the server receives the verification information for the response message, forward the verification information to the mobile terminal;
  • the communication module is further configured to receive a request amount of the mobile terminal and signature verification information for encrypting the verification information
  • Generating a module configured to generate a withdrawal request including a request amount and signature verification information
  • the communication module is further configured to send the withdrawal request to the server;
  • the processing module is configured to: if receiving the confirmation message of the server, the self-service device performs a withdrawal process according to the requested amount.
  • the device further comprises:
  • the connection module is configured to establish a connection with the mobile terminal by using a short-range wireless communication NFC, or establish a connection with the mobile terminal by using a scanning graphic code.
  • the device further includes a camera module configured to read a graphic code displayed on the mobile terminal;
  • connection module is configured to establish a connection with the mobile terminal by using a scanning graphic code, and is specifically configured to generate communication connection information according to a graphic code displayed on the mobile terminal read by the camera module, or
  • the embodiment of the invention further provides a system for cardless withdrawal, comprising: a mobile terminal, a self-service device, and a server;
  • the self-service device sends a read request to the mobile terminal, and the read request is used to request the mobile terminal to reply to user information;
  • the mobile terminal receives and responds to the read request, acquires user information, and sends a response message to the self-service device, where the response message includes user information;
  • the self-service device further receives the response message and sends the response message to a server;
  • the server identifies the response message, and if the recognition result is that the response message is valid, issuing verification information for the response message to the self-service device;
  • the self-service device further forwards the verification information to the mobile terminal;
  • the mobile terminal further receives the verification information, and after signing the verification information based on the signature key, obtains signature verification information, and sends the request amount and the signature verification information to the self-service device;
  • the self-service device further generates a withdrawal request including a request amount and signature verification information, and sends the withdrawal request to the server;
  • the server further verifies whether the withdrawal request is valid according to the withdrawal request, and if valid, sends a confirmation message to the self-service device;
  • the self-service device further performs a withdrawal process according to the requested amount.
  • Implementing various embodiments of the present invention or implementations thereof has the following beneficial effects: receiving a read request of the self-service device through the mobile terminal, and then responding to the request, acquiring user information, and transmitting a response message including the user information to the self-service device, further
  • the mobile terminal receives the verification information returned by the self-service device, and the mobile terminal encrypts the verification information based on the signature key to obtain signature verification information, and sends the request amount and the signature verification information to the self-service device.
  • FIG. 1 is a schematic flow chart of a cardless withdrawal method according to a first embodiment of the present invention
  • FIG. 2 is a schematic flow chart of a cardless withdrawal method according to a second embodiment of the present invention.
  • FIG. 3 is a schematic diagram of information interaction provided by a second embodiment of the present invention.
  • FIG. 4 is a schematic structural diagram of a cardless withdrawal device according to a third embodiment of the present invention.
  • FIG. 5 is a schematic structural diagram of a cardless withdrawal device according to a fourth embodiment of the present invention.
  • FIG. 6 is a schematic structural diagram of a cardless withdrawal device according to a fifth embodiment of the present invention.
  • FIG. 7 is a schematic structural diagram of a cardless withdrawal device according to a sixth embodiment of the present invention.
  • FIG. 8 is a schematic structural diagram of a cardless withdrawal system according to a seventh embodiment of the present invention.
  • FIG. 1 is a schematic flowchart of a cardless withdrawal method according to a first embodiment of the present invention.
  • the method of the embodiment of the present invention may be performed by various intelligent terminals.
  • the smart terminal may be a terminal with a payment processing function, such as a smart phone, a tablet computer, or a smart wearable device.
  • the cardless withdrawal method in the embodiment of the present invention includes the following steps:
  • the mobile terminal receives a read request sent by the self-service device, where the read request is used to request the mobile terminal to reply to the user information.
  • the mobile terminal before receiving the read request sent by the self-service device, the mobile terminal further includes: displaying a user interface that establishes a connection with the self-service device; receiving authentication information input on the user interface, where the authentication information includes One or more of a fingerprint, a password, a gesture, and a password; if the authentication information is valid, the mobile terminal establishes a connection with the self-service device.
  • the user interface may be a mobile banking interface of the bank, or may be an interface preset by the mobile terminal to interact with the self-service device. Of course, other types of user interfaces may also be used.
  • the mobile terminal receives the authentication information input by the user, and the mobile terminal checks whether the authentication information is correct, and if the authentication information is correct, enters the mobile terminal and the self-service device. If the authentication information is incorrect, the password displayed on the current user interface is incorrect. The user can choose to enter the password again or opt out of the current user interface.
  • the authentication information includes a fingerprint, a password, a gesture, a password, and the like.
  • the user can pre-set which one or more authentication methods are used when entering the user interface, and can also use the default authentication mode of the mobile terminal, and of course, can also be used. other methods.
  • the user presets the authentication information that enters the current user interface, and the mobile terminal stores the authentication information.
  • the mobile device Whether the terminal compares the authentication information input by the user with the pre-stored authentication information, and if the same, the mobile terminal enters a page for establishing a connection with the self-service device, and if not, displays the password on the user interface of the mobile terminal. Wrong prompt message.
  • the mobile terminal establishes a connection with the self-service device, including: the mobile terminal establishes a connection with the self-service device by using a short-range wireless communication NFC, or the mobile terminal and the self-service device adopt a scan graphic code. The way to establish a connection.
  • NFC is a non-contact RFID and interoperability technology. It combines an inductive card reader, inductive card and point-to-point function on a single chip. Compatible devices for identification and data exchange. Among them, the use of NFC technology requires the built-in NFC chip in the mobile terminal, so that the data can realize the function of bidirectional transmission. This technology is suitable for electronic money payment, which greatly guarantees the security of cardless withdrawal.
  • the mobile terminal if the mobile terminal establishes a connection with the self-service device in an NFC manner, after the user inputs the authentication information, the mobile terminal checks whether the authentication information is correct, and the self-service device is in the mobile device.
  • the terminal can establish a connection within a distance (for example, within 2 meters), then the mobile terminal directly establishes a connection with the self-service device.
  • the mobile terminal establishes a connection with the self-service device by scanning a graphic code
  • the mobile terminal checks the authentication information correctly
  • the mobile terminal The current interface displays a graphic code including communication connection information, and the graphic code is placed in the camera of the self-service device. If the camera of the self-service device recognizes the graphic code successfully, the mobile terminal establishes a connection with the self-service device.
  • the self-service device displays a graphic code including the communication connection information on the current interface, and the mobile terminal scans the graphic code. If the scan is successful, the mobile terminal establishes a connection with the self-service device.
  • the graphic code may be in the form of a two-dimensional code, a barcode, or the like, and the graphic code includes related information for establishing a communication connection, and the information is generally composed of binary numbers of 0 and 1, so as to be recognized by a computer device or the like.
  • the mobile terminal acquires user information in response to the read request, and sends a response message to the self-service device, where the response message includes user information.
  • the user information may include digital certificate information and card information, wherein the digital certificate may be preset in the mobile terminal, and when the mobile terminal receives the read request sent by the self-service device, the digital certificate is read.
  • Information may include information stored in the bank card, such as a user account, a user password, etc., and the card information may be manually input by the user or may be pre-stored by the mobile terminal. When the mobile terminal receives the read request from the self-service device, Then read the card information.
  • the mobile terminal After the mobile terminal obtains the digital certificate information and the card information, the digital certificate information and the card information are compressed into the communication packet to generate a response message, and the response message is sent to the self-service device through the communication connection.
  • the mobile terminal receives the verification information returned by the self-service device according to the response message, and encrypts the verification information based on the signature key to obtain signature verification information.
  • the verification information refers to information that is received by the mobile terminal after the response message of the mobile terminal is verified and the verification result is valid.
  • the verification information may be a random number. If the mobile terminal receives the random number, the mobile terminal uses the signature key to digitally sign the random number to generate a random number carrying the digital signature, and The random number after digital signature is encapsulated into the signature verification information.
  • the mobile terminal sends the request amount and the signature verification information to the self-service device, so as to complete the withdrawal.
  • the mobile terminal may send the signature verification information to the self-service device, and then input the amount of the withdrawal by the user, and send the amount to the self-service device; or the mobile terminal may also input the user at the same time.
  • the request amount and signature verification information are sent to the self-service device.
  • the request amount can be the withdrawal amount.
  • the self-service device needs to verify the request amount and the signature verification information.
  • the self-service device compares the request amount with The signature verification information is forwarded to the server, and the server verifies the signature verification information, and checks whether the requested amount exceeds the stored amount on the card according to the card information acquired by the self-service device before, if the server verifies that the signature verification information is valid, and the request is If the amount does not exceed the stored amount, the server issues a command to confirm the withdrawal to the self-service device, and the self-service device performs the cash withdrawal operation according to the requested amount.
  • the mobile terminal first establishes a connection with the self-service device, and then receives the read request of the self-service device, and then responds to the request, acquires the user information, and sends a response message including the user information to the self-service.
  • the device further receives the verification information returned by the self-service device, encrypts the verification information based on the signature key, obtains signature verification information, and sends the request amount and the signature verification information to the self-service device.
  • FIG. 2 it is a schematic flowchart of a cardless withdrawal method according to a second embodiment of the present invention.
  • the method of the embodiment of the present invention may be implemented by various highly sophisticated mechatronic terminals.
  • the terminal may be a terminal with a payment processing function such as a self-service cash dispenser ATM or an automatic deposit machine CDM.
  • the cardless withdrawal method in the embodiment of the present invention includes the following steps:
  • the self-service device acquires a response message of the mobile terminal, where the response message includes user information.
  • the user information may include digital certificate information and card information, wherein the digital certificate may be preset in the mobile terminal, and when the mobile terminal receives the read request sent by the self-service device, the digital certificate is read.
  • Information may include information stored in a bank card such as a user account, a user password, and the like.
  • the method further includes: the self-service device establishes a connection with the mobile terminal by using a short-range wireless communication NFC, or the self-service device and the mobile terminal adopt The way to scan the graphic code is to establish a connection.
  • the self-service device and the mobile terminal establish a connection by using a scanning graphic code
  • the method includes: the self-service device invoking the camera module to read a graphic code displayed on the mobile terminal, generating communication connection information, or Displaying a graphic code on the display interface of the self-service device, and receiving communication connection information returned by the mobile terminal after scanning the graphic code; the self-service device establishes a connection with the mobile terminal according to the communication connection information.
  • the self-service device establishes a connection with the mobile terminal by using an NFC
  • the mobile terminal checks that the authentication information is correct, and the self-service device is in the The mobile terminal can establish a connection within the distance (for example, within 2 meters), then the self-service device directly establishes a connection with the mobile terminal.
  • the self-service device establishes a connection with the mobile terminal by scanning a graphic code
  • the mobile terminal checks the authentication information correctly
  • the mobile terminal The current interface displays a graphic code including communication connection information, and the graphic code is placed in the camera of the self-service device. If the camera of the self-service device recognizes the graphic code successfully, the mobile terminal establishes a connection with the self-service device.
  • the self-service device displays a graphic code including the communication connection information on the current interface, and the mobile terminal scans the graphic code. If the scan is successful, the self-service device establishes a connection with the mobile terminal.
  • the self-service device sends the response message to the server for identification, and if the server receives the verification information for the response message, forwarding the verification information to the mobile terminal.
  • the step of the server identifying the response message may be: first extracting user information included in the response message, the user information may include digital certificate information and card information, wherein the card information may specifically include bank card account information. And the password information of the corresponding account.
  • the server identifies whether the digital certificate information is valid according to the card information. If the digital certificate information is valid and corresponds to the card information, the server issues verification information for the response message.
  • the mobile terminal digitally signs the random number by using the personal private key, and sends the digital signature to the self-service device terminal, so that the self-service device terminal sends the digital signature to the server for verification.
  • the self-service device receives a request amount of the mobile terminal and signature verification information for signing the verification information, and generates a withdrawal request including a request amount and signature verification information, and sends the withdrawal request to the server. .
  • the verification information may be a random number or other verification methods.
  • the server generates and sends a set of random numbers to the self-service device, and the self-service device forwards the mobile device to the mobile terminal, and the mobile terminal digitally signs the random number by using a signature key, and includes The digital signature of the random number is sent to the self-service device, which is forwarded to the server by the self-service device.
  • the server uses the user public key to verify whether the random number in the digital signature is consistent with the random number generated by the server. If they are consistent, the transaction authentication is determined to pass.
  • the self-service device If receiving the confirmation message of the server, the self-service device performs a withdrawal process according to the requested amount.
  • the server determines that the signature verification information of the random number is valid, it is also required to check whether the account balance is greater than or equal to the requested amount based on the card information, and if the account balance is greater than or equal to the requested amount, the server issues a command to confirm the withdrawal.
  • the self-service device performs the cash-out step by the self-service device; if the account balance is less than the requested amount, the server issues a command for failing the withdrawal to the self-service device, and the self-service device displays a prompt message indicating that the balance is insufficient on the display screen.
  • step S1 the user opens the application of the banking service, enters the interface of the banking service application, selects step S2, enters the cardless withdrawal service, and then the mobile terminal establishes a connection with the self-service device, and sends an instruction to perform the cardless withdrawal operation to the
  • the self-service device, the self-service device performs step S3 for the instruction, and sends a response message for obtaining the user information to the mobile terminal, and the mobile terminal can find the user information in the preset chip, and then proceeds to step S4 to respond to the user information.
  • the message is sent to the self-service device, and the self-service device proceeds to step S5 to forward the response message to the server for identification.
  • Step S7 is performed by the self-service device, and the verification information is forwarded to the mobile device, and the mobile device needs to perform step S8, based on the personal private key.
  • the verification message is signed and the signature verification information is sent to the self-service device, and then the user performs step S9 on the mobile terminal to input the withdrawal amount, and the mobile terminal executes S10 to send the withdrawal amount and the signature verification message to the self-service device, and then the server The server verifies that the signature verification information and the withdrawal amount are valid. If valid, the server performs step S11: authorization on the self-service device, and commands the self-service device to perform step S12, and according to the withdrawal amount, the user can withdraw cash.
  • the self-service device first establishes a connection with the mobile terminal, obtains a response message that the mobile terminal includes the user information, and then forwards the message to the server for identification, and if the server receives the verification information. And forwarding the verification information to the mobile terminal, and forwarding the signature verification information and the request amount of the mobile terminal to the server for processing, which can ensure the authenticity and integrity of the withdrawal operation, reduce the operation steps of the withdrawal, and improve the cardless operation.
  • the security of withdrawals meets the intelligent needs for information security.
  • the device embodiment of the present invention is used to perform the first embodiment and the second embodiment of the method of the present invention.
  • the relevant parts of the embodiment of the present invention are shown.
  • FIG. 4 is a schematic structural diagram of a cardless withdrawal device according to a third embodiment of the present invention.
  • the device in the embodiment of the present invention may be disposed in various intelligent terminals.
  • the terminal may be a terminal with a payment processing function, such as a smart phone, a tablet computer, or a smart wearable device.
  • the cardless withdrawal device in the embodiment of the present invention includes:
  • the receiving module 401 is configured to receive a read request sent by the self-service device, and the read request is used to request to reply to the user information.
  • the obtaining module 402 is configured to obtain user information in response to the read request.
  • the user information may include digital certificate information and card information, where the digital certificate is stored in the security module of the terminal, and when the mobile terminal receives the read request from the self-service device, it reads the security module.
  • Information in a digital certificate may include information stored in the bank card, such as a user account, a user password, etc., and the card information may be manually input by the user or may be pre-stored by the security module.
  • the receiving module receives the read request from the self-service device, Then read the card information.
  • the sending module 403 is configured to send a response message to the self-service device, where the response message includes user information.
  • the receiving module 401 is further configured to receive the verification information returned by the self-service device according to the response message.
  • the security module 404 is configured to store the digital certificate and the signature key, and after signing the verification information based on the signature key, obtain signature verification information.
  • the sending module 403 is further configured to send the request amount and the signature verification information to the self-service device, so as to complete the withdrawal.
  • the device further includes: a display module 405, configured to display a user interface that establishes a connection with the self-service device; wherein the receiving module 401 is further configured to receive authentication information input on the user interface, The authentication information includes one or more of a fingerprint, a password, a gesture, and a password.
  • the connection module 406 is configured to establish a connection with the self-service device if the authentication information is valid.
  • connection module 406 is specifically configured to establish a connection with the self-service device by using a short-range wireless communication NFC, or establish a connection with the self-service device by using a scanning graphic code.
  • the connection module first establishes a connection with the self-service device, and then the receiving module receives the read request of the self-service device, and then the acquiring module responds to the request, acquires user information, and the sending module sends the user including The response message of the information is sent to the self-service device. Further, the receiving module receives the verification information returned by the self-service device, and the security module signs the verification information based on the signature key, and obtains signature verification information, and the request is sent by the sending module. The amount and the signature verification information are sent to the self-service device, which can ensure the authenticity and integrity of the withdrawal operation, reduce the operation steps of the withdrawal, improve the security of the card-free withdrawal, and meet the intelligent demand for information security.
  • FIG. 5 is a schematic structural diagram of a cardless withdrawal device according to a fourth embodiment of the present invention.
  • the device according to the embodiment of the present invention may be disposed in various highly sophisticated mechatronic terminals.
  • the device The terminal may be a terminal with a payment processing function such as a self-service cash dispenser ATM or an automatic deposit machine CDM.
  • the cardless withdrawal device in the embodiment of the present invention includes:
  • the obtaining module 504 is configured to obtain a response message of the mobile terminal, where the response message includes user information.
  • the communication module 501 is configured to send the response message to the server for identification, and if the server receives the verification information for the response message, forward the verification information to the mobile terminal.
  • the communication module 501 is further configured to receive a request amount of the mobile terminal and signature verification information for signing the verification information.
  • the generating module 502 is configured to generate a withdrawal request including the requested amount and the signature verification information.
  • the communication module 501 is further configured to send the withdrawal request to the server.
  • the processing module 503 is configured to: if receiving the confirmation message of the server, the self-service device performs a withdrawal process according to the requested amount.
  • the device further includes: a connection module 506, configured to establish a connection with the mobile terminal by using a short-range wireless communication NFC, or establish a connection with the mobile terminal by using a scanning graphic code.
  • a connection module 506 configured to establish a connection with the mobile terminal by using a short-range wireless communication NFC, or establish a connection with the mobile terminal by using a scanning graphic code.
  • the device further includes a camera module 505 configured to read a graphic code displayed on the mobile terminal; the connection module 506 is configured to establish a connection with the mobile terminal by using a scanning graphic code, where the specific setting is Generating communication connection information according to the graphic code displayed on the mobile terminal read by the camera module, or displaying the graphic code on the display interface, receiving communication connection information returned by the mobile terminal after scanning the graphic code; and according to the communication connection Information establishes a connection with the mobile terminal.
  • a camera module 505 configured to read a graphic code displayed on the mobile terminal
  • the connection module 506 is configured to establish a connection with the mobile terminal by using a scanning graphic code, where the specific setting is Generating communication connection information according to the graphic code displayed on the mobile terminal read by the camera module, or displaying the graphic code on the display interface, receiving communication connection information returned by the mobile terminal after scanning the graphic code; and according to the communication connection Information establishes a connection with the mobile terminal.
  • the connection module first establishes a connection with the mobile terminal, and the acquiring module acquires a response message that the mobile terminal includes the user information, and then the communication module forwards the message to the server for identification, if the communication
  • the module forwards the verification information to the mobile terminal, and forwards the signature verification information and the request amount of the mobile terminal to the server for processing, thereby ensuring the authenticity and integrity of the withdrawal operation, and reducing the withdrawal.
  • the operation steps improve the security of card-free withdrawals and meet the intelligent requirements for information security.
  • FIG. 6 is a schematic structural diagram of a cardless withdrawal device according to a fifth embodiment of the present invention.
  • the device may be a terminal with a payment processing function, such as a smart phone, a tablet computer, or a smart wearable device.
  • the cardless withdrawal device in the embodiment of the present invention includes: at least one user interface 601; at least one processor 602, such as a CPU; at least one memory 603; at least one output device 604, the user interface 601, processing The 602, the memory 603, and the output device 604 are connected by a bus. Among them, the bus is used to implement connection communication between these components.
  • the user interface 601 and the output device 604 of the device in the embodiment of the present invention may be wired transmission ports, or may be wireless devices, for example, including antenna devices, for performing signaling or data communication with other node devices.
  • the processor 602 can be a central processing unit (CPU), a network processor (NP), or a combination of a CPU and an NP.
  • CPU central processing unit
  • NP network processor
  • the processor 602 can also further include a hardware chip.
  • the hardware chip may be an application-specific integrated circuit (ASIC), a programmable logic device (PLD), or a combination thereof.
  • the PLD may be a complex programmable logic device (CPLD), a field-programmable gate array (FPGA), a general array logic (GAL), or any combination thereof.
  • the memory 603 may include a volatile memory such as a random-access memory (RAM); the memory may also include a non-volatile memory such as a flash memory (flash) Memory), hard disk drive (HDD) or solid-state drive (SSD); the memory 603 may also include a combination of the above types of memories.
  • RAM random-access memory
  • non-volatile memory such as a flash memory (flash) Memory), hard disk drive (HDD) or solid-state drive (SSD)
  • the memory 603 may also include a combination of the above types of memories.
  • the memory 603 is further configured to store program instructions.
  • the processor 602 can invoke the program instructions stored in the memory 603 to implement the cardless withdrawal method as shown in the first embodiment and the third embodiment of the present application.
  • the user interface 601 is configured to receive a read request sent by the self-service device, where the read request is used to request the mobile terminal to reply to the user information.
  • the processor 602 is configured to respond to the read request.
  • the user interface 601 is configured to obtain user information.
  • the output device 604 is configured to send a response message to the self-service device, where the response message includes user information.
  • the user interface 601 is further configured to receive verification information returned by the self-service device according to the response message.
  • the processor 602 is further configured to: after signing the verification information based on a signature key, obtain signature verification information.
  • the output device 604 is further configured to send the request amount and the signature verification information to the self-service device, so as to complete the withdrawal.
  • the method further includes: the processor 602 displays a user interface that establishes a connection with the self-service device; and the user interface 601 receives the authentication information input on the user interface.
  • the authentication information includes one or more of a fingerprint, a password, a gesture, and a password; if the authentication information is valid, the processor 602 establishes a connection with the self-service device.
  • the establishing a connection between the processor and the self-service device includes: establishing a connection with the self-service device by using a short-range wireless communication NFC, or establishing a connection with the self-service device by using a scanning graphic code.
  • the connection is first established by the processor and the self-service device, and then the user interface receives the read request of the self-service device, and then the processor responds to the request, and the user information is obtained by the user interface, and the output device is obtained by the output device.
  • the user device receives the verification information returned by the self-service device, and the processor signs the verification information based on the signature key, and obtains signature verification information, and is obtained by the output device.
  • Sending the request amount and the signature verification information to the self-service device can ensure the authenticity and integrity of the withdrawal operation, reduce the operation steps of the withdrawal, improve the security of the card-free withdrawal, and meet the intelligent demand for information security.
  • FIG. 7 is a schematic structural diagram of a cardless withdrawal device according to a sixth embodiment of the present invention.
  • the device may be a high-precision electromechanical device with a payment processing function, such as a self-service cash dispenser ATM and an automatic deposit machine CDM.
  • Integrated terminal the cardless withdrawal device in the embodiment of the present invention includes: at least one network interface 701; at least one processor 702, such as a CPU; at least one memory 703; at least one output device 704, the network interface 701, processing The 702, the memory 703, and the output device 704 can be connected by a bus. Among them, the bus is used to implement connection communication between these components.
  • the network interface 701 and the output device 704 of the device in the embodiment of the present invention may be wired transmission ports, or may be wireless devices, for example, including antenna devices, for performing signaling or data communication with other node devices.
  • the processor 702 can be a central processing unit (CPU), a network processor (NP), or a combination of a CPU and an NP.
  • CPU central processing unit
  • NP network processor
  • the processor 702 can also further include a hardware chip.
  • the hardware chip may be an application-specific integrated circuit (ASIC), a programmable logic device (PLD), or a combination thereof.
  • the PLD may be a complex programmable logic device (CPLD), a general array logic (GAL), or any combination thereof.
  • the memory 703 may include a volatile memory such as a random-access memory (RAM); the memory may also include a non-volatile memory such as a flash memory (flash) Memory), hard disk drive (HDD) or solid state drive (SSD); the memory 703 may also include a combination of the above types of memories.
  • RAM random-access memory
  • flash flash memory
  • HDD hard disk drive
  • SSD solid state drive
  • the memory 703 is further configured to store program instructions.
  • the processor 702 can invoke the program instructions stored in the memory 703 to implement the cardless withdrawal method as shown in the second embodiment and the fourth embodiment of the present application.
  • the network interface 701 is configured to obtain a response message of the mobile terminal, where the response message includes user information.
  • the output device 704 is configured to send the response message to the server for identification. If the network interface 701 receives the verification information of the server for the response message, the output device 704 forwards the verification information to the mobile terminal;
  • the network interface 701 is further configured to receive a request amount of the mobile terminal and signature verification information for signing the verification information.
  • the processor 702 is configured to generate a withdrawal request including a request amount and signature verification information.
  • the output device 704 is further configured to send the withdrawal request to the server.
  • the processor 702 is configured to perform a withdrawal process according to the requested amount if the network interface 701 receives the confirmation message of the server.
  • the method further includes: the processor establishes a connection with the mobile terminal by using a short-range wireless communication NFC, or the processor and the mobile terminal adopt a manner of scanning a graphic code. establish connection.
  • the processor establishes a connection with the mobile terminal by using a scanning graphic code, and specifically includes: calling a camera module to read a graphic code displayed on the mobile terminal, generating communication connection information, or displaying a graphic code, and receiving the mobile a communication connection information returned by the terminal after scanning the graphic code; establishing a connection with the mobile terminal according to the communication connection information.
  • the connection is first established by the processor and the mobile terminal, and the network interface obtains a response message that the mobile terminal includes the user information, and then the output device forwards the message to the server for identification, if the network After receiving the verification information of the server, the interface forwards the verification information to the mobile terminal, and forwards the signature verification information and the request amount of the mobile terminal to the server for processing, thereby ensuring the authenticity and integrity of the withdrawal operation, and reducing the withdrawal.
  • the operation steps improve the security of card-free withdrawals and meet the intelligent requirements for information security.
  • FIG. 8 is a schematic structural diagram of a cardless withdrawal system according to a seventh embodiment of the present invention.
  • the cardless withdrawal system in the embodiment of the present invention includes: a mobile terminal 801, a self-service device 802, and a server 803.
  • the self-service device 802 is configured to send a read request to the mobile terminal, where the read request is used to request the mobile terminal to reply to user information.
  • the mobile terminal 801 is configured to receive and respond to the read request, acquire user information, and send a response message to the self-service device, where the response message includes user information.
  • the self-service device 802 is further configured to receive the response message and send the response message to a server.
  • the server 803 is configured to identify the response message, and if the response result is that the response message is valid, send verification information for the response message to the self-service device.
  • the self-service device 802 is further configured to forward the verification information to the mobile terminal.
  • the mobile terminal 801 is further configured to receive the verification information, and after signing the verification information based on the signature key, obtain signature verification information, and send the request amount and the signature verification information to the self-service device.
  • the self-service device 802 is further configured to generate a withdrawal request including a request amount and signature verification information, and send the withdrawal request to the server.
  • the server 803 is further configured to verify, according to the withdrawal request, whether the withdrawal request is valid, and if valid, send a confirmation message to the self-service device.
  • the self-service device 802 is further configured to perform a withdrawal process according to the requested amount.
  • step S1 the user opens the application of the banking service, enters the interface of the banking service application, selects step S2, enters the cardless withdrawal service, and then the mobile terminal establishes a connection with the self-service device, and sends an instruction to perform the cardless withdrawal operation to the
  • the self-service device the self-service device performs step S3 for the instruction, and sends a response message for obtaining the user information to the mobile terminal, and the mobile terminal can find the user information in the preset chip, and then proceeds to step S4 to respond to the user information.
  • the message is sent to the self-service device, and the self-service device proceeds to step S5 to forward the response message to the server for identification.
  • Step S7 is performed by the self-service device, and the verification information is forwarded to the mobile device, and the mobile device needs to perform step S8, based on the personal private key.
  • the verification message is signed and the signature verification information is sent to the self-service device, and then the user performs step S9 on the mobile terminal to input the withdrawal amount, and the mobile terminal executes S10 to send the withdrawal amount and the signature verification message to the self-service device, and then the server The server verifies that the signature verification information and the withdrawal amount are valid. If valid, the server performs step S11: authorization on the self-service device, and commands the self-service device to perform step S12, and according to the withdrawal amount, the user can withdraw cash.
  • the storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

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Abstract

L'invention concerne un procédé, un appareil et un système pour retrait sans carte. Le procédé comprend les étapes suivantes : un terminal mobile reçoit une demande de lecture envoyée par un dispositif en libre-service, la demande de lecture étant utilisée pour demander au terminal mobile de répondre par des informations concernant l'utilisateur (S101) ; le terminal mobile répond à la demande de lecture, acquiert les informations concernant l'utilisateur et envoie un message de réponse au dispositif en libre-service, les informations de réponse comprenant les informations concernant l'utilisateur (S102) ; le terminal mobile reçoit des informations de vérification renvoyées par le dispositif en libre-service selon le message de réponse, et signe les informations de vérification sur la base d'une clé de signature de façon à obtenir des informations de vérification de signature (S103) ; et le terminal mobile envoie le montant demandé et les informations de vérification de signature au dispositif en libre-service, de façon à mener à bien le retrait (S104). Le procédé peut améliorer la sécurité du retrait sans carte et satisfaire des exigences intelligentes pour la sécurité des informations.
PCT/CN2016/107836 2016-10-27 2016-11-30 Procédé, appareil et système pour retrait sans carte Ceased WO2018076443A1 (fr)

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