CN104123793B - Money withdrawing system based on NFC function, money withdrawing method of money withdrawing system based on NFC function and money withdrawing machine - Google Patents

Abstract

The invention relates to a money withdrawing method based on the NFC function and a money withdrawing system based on the NFC function. The money withdrawing method based on the NFC function is characterized in that data transmission is carried out between a mobile terminal with the NFC function and a money withdrawing machine with the NFC function based on NFC, and data exchange among the money withdrawing machine, a receiving bank system, a bank card organization system and a card issuing bank system is achieved. By means of the money withdrawing method based on the NFC function and the money withdrawing system based on the NFC function, as a bank card does not need to be inserted into the money withdrawing machine, and passwords of the bank card do not need to be input into the money withdrawing machine, a stealing device arranged by a lawbreaker on the money withdrawing machine cannot steal the bank card and the passwords of the bank card; in addition, the solid bank card does not need to be carried during money withdrawing, so that portability is high.

Description

Cash withdrawal system based on NFC function, withdrawal method and cash machine

technical field

The invention relates to a non-contact data processing system and a data processing method, in particular to a withdrawal system, a withdrawal method and a cash machine based on the NFC function.

Background technique

In the prior art, the traditional bank card withdrawal service requires the cardholder to provide a physical bank card and enter the withdrawal password at the terminal of the cash machine. Such an operation has two disadvantages:

One is business restrictions. Cardholders must carry physical bank cards with them, and they are responsible for the inability to withdraw money through ATMs, which brings inconvenience to cardholders, especially mobile payment users;

The 2nd, security problem, lawbreaker utilizes special-purpose equipment, steals bank card, or steals bank card password when the cardholder inputs password.

Contents of the invention

In view of the above problems, the present invention aims to provide a highly secure NFC-based cash withdrawal system, withdrawal method and cash machine that can realize cash withdrawal without carrying a bank card machine.

The method for withdrawing money based on the NFC function of the present invention is to perform data transmission based on NFC between the mobile terminal with the NFC function and the cash machine with the NFC function and is used to realize the connection between the cash machine and the accepting bank system, the bank card organization system and the card issuing bank system. The method for data exchange between, is characterized in that, comprises the following steps:

Withdrawal information acquisition step: the user obtains the withdrawal information through the mobile terminal with NFC function and sends the withdrawal information to the cash machine by using the NFC function of the mobile terminal;

Step of sending the withdrawal request: the cash machine initiates a withdrawal request based on the withdrawal information to the accepting bank system;

Withdrawal request verification step: the accepting bank system judges the legality of the withdrawal request;

Withdrawal request forwarding steps: the accepting bank system forwards the withdrawal request to the bank card organization system on the premise that the withdrawal request is judged to be legal, and then the bank card organization system forwards the withdrawal request to the card issuing bank system;

Withdrawal acceptance response step: the card-issuing bank system verifies the legitimacy of the withdrawal request, and sends the withdrawal acceptance response to the bank card organization system after passing the verification;

Forwarding step of withdrawal acceptance response: the bank card organization system forwards the withdrawal acceptance response to the accepting bank system;

Banknote dispensing notification step: the accepting bank system notifies the cash machine to execute the banknote dispensing operation according to the withdrawal acceptance response.

Preferably, before the withdrawal information obtaining step, it also has:

Business opening steps: Only bind the bank card account, mobile terminal, and mobile payment system when opening the business for the first time.

Preferably, after the step of notifying banknote delivery, it also has:

Withdrawal result notification step: the cash machine notifies the mobile terminal of the withdrawal transaction result.

Preferably, in the step of obtaining withdrawal information, the user inputs withdrawal information of at least one or more of withdrawal account, amount, and transaction password on the mobile terminal.

Preferably, in the step of notifying the withdrawal result, the mobile terminal also notifies the mobile payment system of the withdrawal result.

The method for withdrawing money based on the NFC function of the present invention is to perform data transmission based on NFC between the mobile terminal with the NFC function and the cash machine with the NFC function and is used to realize the mobile payment system, the cash machine, the acceptance bank system, and the bank card organization system And a method for data exchange between card-issuing bank systems, characterized in that it includes the following steps:

Withdrawal information acquisition step: the user obtains the withdrawal information through the mobile terminal with NFC function and uses the NFC function of the mobile terminal to obtain the cash machine equipment information of the cash machine;

Step of sending the withdrawal request: the mobile terminal sends the withdrawal information and the information of the cash machine equipment as a withdrawal request to the accepting bank system through the mobile payment system;

Withdrawal request verification step: the accepting bank system judges the legality of the withdrawal request;

Withdrawal request forwarding steps: the accepting bank system forwards the withdrawal request to the bank card organization system on the premise that the withdrawal request is judged to be legal, and then the bank card organization system forwards the withdrawal request to the card issuing bank system;

Withdrawal acceptance response step: the card-issuing bank system verifies the legitimacy of the withdrawal request, and sends the withdrawal acceptance response to the bank card organization system after passing the verification;

Withdrawal acceptance response forwarding step: the bank card organization system forwards the withdrawal acceptance response to the accepting bank system;

Banknote dispensing notification step: the accepting bank system notifies the cash dispenser corresponding to the equipment information of the cash dispenser to execute the cash dispenser operation according to the withdrawal acceptance response.

Preferably, before the withdrawal information obtaining step, it also has:

Business opening steps: Only bind the bank card account, mobile terminal, and mobile payment system when opening the business for the first time.

Preferably, after the step of notifying banknote delivery, it also has:

Withdrawal result notification step: the accepting bank system notifies the mobile payment system of the withdrawal transaction result;

Step of forwarding the withdrawal result: the mobile payment system notifies the mobile terminal of the withdrawal transaction result.

Preferably, before the withdrawal information obtaining step, it also has:

Business binding step: Bind the bank card account, mobile terminal, and mobile payment system.

Preferably, in the step of obtaining withdrawal information, the user inputs withdrawal information of at least one or more of withdrawal account, amount, and transaction password on the mobile terminal.

The withdrawal system based on the NFC function of the present invention is characterized in that it includes: a mobile terminal, a mobile payment system, a cash machine, an accepting bank system, a bank card organization system, and a card-issuing bank system,

The mobile terminal is equipped with: a first withdrawal module for performing withdrawal services, a first NFC communication module for performing NFC-based data communication with the cash machine, and a first NFC communication module for safely encrypting NFC-based data communication. security encryption module,

The cash machine is equipped with: a second withdrawal module for performing withdrawal processing, a second NFC communication module for performing data communication based on NFC with the mobile terminal, and a second NFC communication module for performing secure data communication based on NFC. An encrypted second security encryption module.

Preferably, the first withdrawal module of the mobile terminal is used to obtain withdrawal information, and the first NFC communication module of the mobile terminal is used to send the withdrawal information to the second NFC communication module of the cash machine; The second withdrawal module of the cash machine is used to obtain a withdrawal request from the second NFC communication module of the cash machine and sends the withdrawal request to the acceptance bank system. On the other hand, the second withdrawal module of the cash machine is used for according to The following withdrawal acceptance response executes the cash-out action, and the accepting bank system is used to judge the legality of the withdrawal request and forward the withdrawal request to the bank card organization system on the premise that the withdrawal request is judged to be legal. When the bank card organization system receives the returned withdrawal acceptance response, it forwards the withdrawal acceptance response to the second withdrawal module of the cash machine, and the bank card organization system is used to forward the withdrawal request from the accepting bank system to the card-issuing bank system, and forward the withdrawal acceptance response to the accepting bank system in the case of receiving the withdrawal acceptance response from the card issuing bank system; the card issuing bank system is used to judge the withdrawal transaction and return the withdrawal acceptance to the bank card organization answer.

Preferably, the first withdrawal module of the mobile terminal is used to bind the bank card account, the mobile terminal, and the mobile payment system.

Preferably, the withdrawal information includes at least one or more of withdrawal account, amount, and transaction password.

Preferably, the second withdrawal module of the cash machine is also used to send the withdrawal transaction result to the mobile terminal through the second NFC communication module of the cash machine and the first NFC communication module of the mobile terminal after the withdrawal is completed. the first withdrawal module of the terminal,

The first withdrawal module of the mobile terminal is further configured to notify the mobile payment system of the withdrawal transaction result.

Preferably, the first withdrawal module of the mobile terminal is used to obtain withdrawal information and is used to obtain the withdrawal machine equipment information of the cash machine through the first NFC communication module and the first security encryption module of the mobile terminal, the The first NFC communication module of the mobile terminal is used to send the withdrawal information and the cash machine equipment information to the mobile payment system; the mobile payment system is used to obtain the withdrawal information and the withdrawal information from the mobile terminal. The cash machine equipment information is sent to the accepting bank system as a withdrawal request, and the accepting bank system is used to judge the legality of the withdrawal request and forward the withdrawal request to the bank card organization system on the premise that the withdrawal request is judged to be legal. , when receiving the returned withdrawal acceptance response from the bank card organization system, the withdrawal acceptance response is forwarded to the second withdrawal module of the cash machine, and the bank card organization system is used to forward the withdrawal request from the accepting bank system to the card-issuing bank system, and forward the withdrawal acceptance response to the accepting bank system in the case of receiving the withdrawal acceptance response from the card-issuing bank system; the card-issuing bank system is used to judge the withdrawal transaction and report to the bank card organization The system returns a withdrawal acceptance response.

Preferably, the first withdrawal module of the mobile terminal is used to bind the bank card account, the mobile terminal, and the mobile payment system.

Preferably, the withdrawal information includes at least one or more of withdrawal account, amount, and transaction password.

Preferably, the mobile payment system is further configured to send the withdrawal transaction result to the first withdrawal module of the mobile terminal after the second withdrawal module of the cash machine completes the cash withdrawal action.

The cash machine based on the NFC function of the present invention is characterized in that it possesses:

a second withdrawal module for performing withdrawal processing;

a second NFC communication module for performing NFC-based data communication; and

The second security encryption module is used for safely encrypting data communication based on NFC.

Utilize the withdrawal method based on the NFC function of the present invention and the withdrawal system based on the NFC function, the following advantages can be obtained:

(1) No business restrictions: cardholders do not need to carry physical bank cards with them as they do in traditional withdrawal services, which can bring convenience to cardholders;

(2) Improved security: It can prevent the bank card from being stolen by illegal equipment installed by criminals, or steal the bank card password when the cardholder enters the password, which can improve security.

Therefore, the withdrawal method based on the NFC function and the withdrawal system based on the NFC function of the present invention can effectively solve the limitation that the traditional withdrawal service must provide a physical bank card and the security problems caused thereby, and can provide a cardholder based on NFC. A safe and convenient way to withdraw money.

Description of drawings

Fig. 1 is a general block diagram showing the withdrawal system based on the NFC function of the present invention.

FIG. 2 is a schematic diagram showing the structure of the mobile terminal 100 with NFC function of the present invention.

FIG. 3 is a schematic diagram showing the structure of a cash machine 200 with an NFC function according to the present invention.

FIG. 4 is a schematic diagram showing the appearance of a cash machine 200 with NFC function according to the present invention.

Fig. 5 is a flow chart showing the withdrawal method based on the NFC function of the first mode of the present invention.

Fig. 6 is a flow chart showing the withdrawal method based on the NFC function of the second mode of the present invention.

detailed description

Introduced below are some of the various embodiments of the invention, intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of protection.

Before describing the cash withdrawal method, withdrawal system and cash machine based on the NFC function of the present invention, the NFC function will be briefly introduced.

The English full name of NFC is Near Field Communication, which is a relatively new wireless technology. NFC evolved from the integration of non-contact radio frequency identification (RFID) and interconnection technologies. It combines inductive card readers, inductive cards and point-to-point functions on a single chip, and can identify and data with compatible devices within a short distance. exchange. This technology was originally just a simple combination of RFID technology and network technology, and now it has evolved into a short-range wireless communication technology, and its development trend is quite rapid.

Different from RFID, NFC has the characteristics of two-way connection and identification, works in the 13.56MHz frequency range, and has a working distance of about 10 cm. NFC technology promotes standardization under the framework of ISO 18092, ECMA 340 and ETSI TS 102 190, and is also compatible with the infrastructure of the widely used ISO 14443 Type-A, B and Felica standard contactless smart cards.

When the NFC chip is installed on the mobile phone, the mobile phone can realize small electronic payment and read information of other NFC devices or tags. The short-distance interaction of NFC greatly simplifies the entire authentication and identification process, making mutual access between electronic devices more direct, safer and clearer. Through NFC, multiple devices such as computers, digital cameras, mobile phones, and PDAs can be wirelessly connected conveniently and quickly, thereby realizing data exchange and services.

Like RFID, NFC information is also transmitted through electromagnetic induction coupling in the radio frequency part of the spectrum, but there is still a big difference between the two. First of all, NFC is a wireless connection technology that provides easy, safe and rapid communication. Its transmission range is smaller than that of RFID. The transmission range of RFID can reach several meters or even tens of meters. However, due to the unique signal attenuation technology adopted by NFC, Compared with RFID, NFC has the characteristics of short distance, high bandwidth, and low energy consumption. Second, NFC is compatible with existing contactless smart card technology and has become a formal standard supported by more and more major manufacturers. Thirdly, NFC is also a short-range connection protocol that provides easy, safe, rapid and automatic communication between various devices. Compared with other connection methods in the wireless world, NFC is a close-range and private communication method. At the same time, NFC is also superior to infrared and Bluetooth transmission methods. As a consumer-facing transaction mechanism, NFC is faster, more reliable and much simpler than infrared. Compared with Bluetooth, NFC is oriented to close-range transactions and is suitable for exchanging important data such as financial information or sensitive personal information.

Next, the withdrawal method and withdrawal system based on the NFC function of the present invention will be described.

Fig. 1 is a general block diagram showing the withdrawal system based on the NFC function of the present invention.

As shown in Figure 1, the cash withdrawal system based on the NFC function of the present invention mainly includes: a mobile terminal 100 with NFC function (hereinafter referred to as "mobile terminal"), a cash machine 200 with NFC function (hereinafter referred to as "cash machine") ), an accepting bank system 300 , a bank card organization system 400 , a card issuing bank system 500 and a mobile payment system 600 . The mobile payment system 600 is responsible for the processing of mobile payment transactions, and communicates with the accepting bank and card issuing bank system. The accepting bank system 300 , the bank card organization system 400 and the card issuing bank system 500 respectively correspond to the transaction systems of the accepting bank, the bank card organization and the card issuing bank.

FIG. 2 is a schematic diagram showing the structure of the mobile terminal 100 with NFC function of the present invention. As shown in Figure 2, the mobile terminal 100 with NFC function of the present invention has: the first NFC communication module 102 that is used to carry out the first withdrawal module 101 of withdrawing business, the first NFC communication module 102 of carrying out the data communication based on NFC between the cash withdrawal machine and A first security encryption module 103 for securely encrypting data communication based on NFC.

FIG. 3 is a schematic diagram showing the structure of a cash machine 200 with an NFC function according to the present invention. As shown in Figure 3, the cash machine 200 with NFC function of the present invention has: the second withdrawal module 201 for carrying out withdrawal processing, the second NFC communication for carrying out the data communication based on NFC between described mobile terminal module 202, and a second security encryption module 203 for securely encrypting data communication based on NFC.

FIG. 4 is a schematic diagram showing the appearance of a cash machine 200 with an NFC function according to the present invention. As shown in FIG. 3 , the cash machine 200 with NFC function of the present invention has an NFC antenna area in addition to the display screen, cash dispenser, bank card slot, and PIN pad that traditional cash machines have in appearance.

The NFC function-based withdrawal method of the present invention can be generally divided into two steps: "service opening" and "withdrawal transaction".

(1) Service opening: Cardholders need to hold a mobile terminal with NFC function, apply to the card issuer for opening mobile payment services and mobile payment withdrawal services, and may also need to form a contractual relationship. Download and install the mobile payment mobile terminal software and the mobile payment withdrawal business module, and bind the corresponding bank card. The "service opening" here corresponds to the "service opening step" described in the claims, and this step is only performed once before the initial use, and the service opening step does not need to be performed in the subsequent withdrawal process.

(2) Withdrawal transaction: Depending on the method of initiating the transaction, the withdrawal transaction can be initiated in one of two modes: the first mode is the transaction mode initiated by the cash machine, and the second mode is the transaction mode initiated by the mobile payment system.

First, the first mode, that is, the transaction mode initiated by the cash machine, will be described.

Fig. 5 is a flow chart showing the withdrawal method based on the NFC function of the first mode of the present invention.

The withdrawal method based on the NFC function of the first mode of the present invention is to establish an encrypted security channel based on NFC between the mobile terminal 100 and the cash machine 200, initiate a mobile payment withdrawal request, and accept the transaction. People provide safe mobile payment withdrawal business functions. The specific technical solution includes as shown in Figure 5:

Step 1: The cardholder enters the withdrawal service module on the mobile terminal 100, selects the withdrawal account, enters the withdrawal element information, such as: withdrawal amount, transaction password, and confirms that the withdrawal information is correct;

Step 2: The cardholder brings the mobile terminal 100 close to the NFC antenna area of the cash machine 200, and initiates a withdrawal transaction request to the cash machine 200;

Step 3: The cash machine 200 submits the withdrawal transaction request to the accepting bank system 300;

Step 4: The acceptance bank system 300 judges the legality of the withdrawal transaction request;

Step 5: The accepting bank system 300 initiates an ATM cash withdrawal request based on the withdrawal transaction request to the bank card organization system 400;

Step 6: The bank card organization system 400 forwards the ATM cash withdrawal request to the card-issuing bank system 500;

Step 7: The card-issuing bank system 500 judges the ATM cash withdrawal request, and returns an ATM cash withdrawal response to the bank card organization system 400;

Step 8: The bank card organization system 400 forwards the ATM cash withdrawal response to the accepting bank system 300;

Step 9: The accepting bank system 300 accepts the transaction according to the ATM cash withdrawal response and sends a cash-out instruction to the cash machine 200;

Step 10: The teller machine 200 executes cash dispense according to the cash dispense instruction, displays the transaction result on the screen, and notifies the mobile terminal 100 of the transaction result through the NFC secure channel;

Step 11: The mobile terminal 100 notifies the mobile payment system 600 of the transaction result as required (optional step).

In the withdrawal transaction of the above-mentioned first method, there is no need to insert a bank card in the cash machine, and it is not necessary to enter the bank card password in the cash machine. Therefore, it will not be stolen by the stealing device installed on the cash machine bank card, and bank card password, and since the physical bank card is not required to be carried when withdrawing money, the portability of use is improved.

Next, the second method, that is, the transaction mode initiated by the mobile payment system, will be described.

Fig. 6 is a flow chart showing the withdrawal method based on the NFC function of the second mode of the present invention.

The withdrawal method based on the NFC function of the second mode of the present invention is that the mobile terminal 100 obtains the equipment information of the cash machine 200 through its first NFC communication module 101, initiates a mobile payment withdrawal request through the mobile payment system 600, and the transaction acceptance cash machine Dispensing money, providing cardholders with safe mobile payment withdrawal service functions. The specific technical solution includes as shown in Figure 6:

Step 1: The cardholder enters the withdrawal service module on the mobile terminal 100, selects the withdrawal account, enters the withdrawal element information, such as: withdrawal amount, transaction password, and confirms that the withdrawal information is correct;

Step 2: The cardholder brings the mobile terminal 100 close to the NFC card reader of the cash machine, and the first withdrawal module 101 of the mobile terminal 100 obtains the equipment information of the cash machine 200 through the first NFC communication module 102 and the first security encryption module 103;

Step 3: the first withdrawal module 101 of the mobile terminal 100 initiates a withdrawal transaction request to the background mobile payment system 600;

Step 4: The mobile payment system 600 submits a withdrawal transaction request to the accepting bank system 300;

Step 5: The acceptance bank system 300 judges the legality of the transaction request and confirms the connectivity of the ATM;

Step 6: The acceptance bank system 300 initiates an ATM cash withdrawal request to the bank card organization system 400;

Step 7: The bank card organization system 400 forwards the ATM cash withdrawal request to the card-issuing bank system 500;

Step 8: The card-issuing bank system 500 judges the transaction, and returns an ATM cash withdrawal response to the bank card organization system 400;

Step 9: The bank card organization system 400 forwards the ATM cash withdrawal response to the acceptance bank system 300;

Step 10: The acceptance bank system 300 accepts the transaction and sends a money-dispensing instruction to the cash machine 200, and the cash machine 200 executes the cash-dispensing and displays the transaction result on the screen;

Step 11: The accepting bank system 300 notifies the mobile payment system 600 of the transaction result;

Step 12: The mobile payment system 600 notifies the mobile terminal 100 of the transaction result.

In the withdrawal transaction of the above-mentioned second method, it is also not necessary to insert a bank card in the cash machine, and it is not necessary to input the password of the bank card in the cash machine. The bank card and the bank card password can be stolen by the withdrawal device, and the portability of use is improved because the bank card physical card is not required to be carried when withdrawing money.

Next, a specific description will be given for the withdrawal system that completes the withdrawal methods of the above-mentioned first mode and second mode.

As already explained, the cash withdrawal system based on the NFC function of the present invention mainly includes: a mobile terminal 100 , a cash machine 200 , an accepting bank system 300 , a bank card organization system 400 , a card issuing bank system 500 and a mobile payment system 600 . The mobile terminal 100 is equipped with: a first withdrawal module 101 for performing withdrawal services, a first NFC communication module 102 for performing NFC-based data communication with the cash machine, and a first NFC communication module 102 for securely encrypting the NFC-based data communication. A security encryption module 103 . The cash machine 200 has: a second withdrawal module 201 for performing withdrawal processing, a second NFC communication module 202 for performing data communication based on NFC with the mobile terminal, and a second NFC communication module 202 for performing data communication based on NFC A second security encryption module 203 for security encryption.

In the case of completing the withdrawal method of the above-mentioned first mode, the first withdrawal module 101 of the mobile terminal 100 is used to obtain withdrawal information, and the first NFC communication module 102 of the mobile terminal 101 is used to send the withdrawal information to the first withdrawal information of the cash machine 200. Two NFC communication modules 202 .

The second withdrawal module 201 of the cash machine 200 is used to obtain a withdrawal request from the second NFC communication module 202 of the cash machine 200 and send the withdrawal request to the acceptance bank system 300. On the other hand, the second withdrawal module 201 of the cash machine 200 It is used to execute the money-dispensing action according to the following withdrawal acceptance response.

The accepting bank system 300 is used to judge the legality of the withdrawal request and forward the withdrawal request to the bank card organization system 400 under the premise of judging that the withdrawal request is legal. In the case of a response, the withdrawal acceptance response is forwarded to the second withdrawal module 201 of the cash machine 200, and the bank card organization system 400 is used to forward the withdrawal request from the accepting bank system 300 to the issuing bank system 500, and from the issuing bank system 500 When the withdrawal acceptance response is received, the withdrawal acceptance response is forwarded to the accepting bank system 300 .

The card-issuing bank system 500 is used to judge the withdrawal transaction and return a withdrawal acceptance response to the bank card organization system 400 .

The first withdrawal module 101 of the mobile terminal 100 is also used to bind the bank card account, the mobile terminal, and the mobile payment system. Wherein, the withdrawal information includes at least one or more of withdrawal account, amount, and transaction password.

Furthermore, the second withdrawal module 201 of the cash machine 200 is also used to send the withdrawal transaction result to the mobile terminal 100 through the second NFC communication module 202 of the cash machine 200 and the first NFC communication module 102 of the mobile terminal 100 after the withdrawal is completed. The first withdrawal module 101 of the mobile terminal 100 is also used to notify the mobile payment system 600 of the withdrawal transaction result.

On the other hand, in the case of completing the withdrawal method of the second mode above, the first withdrawal module 101 of the mobile terminal 100 is used to obtain withdrawal information and is used to pass the first NFC communication module 102 of the mobile terminal 100, the first security encryption The module 103 obtains the cash machine equipment information of the cash machine 200 , and the first NFC communication module 102 of the mobile terminal 100 is used to send the cash withdrawal information and the cash machine equipment information to the mobile payment system 600 .

The mobile payment system 600 is used to obtain the above-mentioned withdrawal information and cash machine equipment information from the mobile terminal 100 and send it to the accepting bank system 300 as a withdrawal request. Further, the mobile payment system 600 is also used for sending the withdrawal transaction result to the first withdrawal module 101 of the mobile terminal 100 after the second withdrawal module 201 of the cash machine 200 completes the money-dispensing action.

The accepting bank system 300 is used to judge the legality of the withdrawal request and forward the withdrawal request to the bank card organization system 400 under the premise of judging that the withdrawal request is legal. In the case of a response, the withdrawal acceptance response is forwarded to the second withdrawal module 201 of the cash machine 200, and the bank card organization system 400 is used to forward the withdrawal request from the accepting bank system 300 to the issuing bank system 500, and from the issuing bank system 500 When the withdrawal acceptance response is received, the withdrawal acceptance response is forwarded to the accepting bank system 300 .

The card-issuing bank system 500 is used to judge the withdrawal transaction and return a withdrawal acceptance response to the bank card organization system 400 .

Wherein, the first withdrawal module 101 of the mobile terminal 100 is also used to bind the bank card account, the mobile terminal, and the mobile payment system. The withdrawal information here includes at least one or more of withdrawal account, amount, and transaction password.

The withdrawal method based on the NFC function of the present invention and the withdrawal system based on the NFC function have the following advantages:

(1) No business restrictions: cardholders do not need to carry physical bank cards with them as they do in traditional withdrawal services, which can bring convenience to cardholders;

(2) Improved security: It can prevent the bank card from being stolen by illegal equipment installed by criminals, or steal the bank card password when the cardholder enters the password, which can improve security.

Therefore, the withdrawal method based on the NFC function and the withdrawal system based on the NFC function of the present invention can effectively solve the limitation that the traditional withdrawal service must provide a physical bank card and the security problems caused thereby, and can provide a cardholder based on NFC. A safe and convenient way to withdraw money.

The above examples mainly illustrate the NFC function-based withdrawal method and the NFC function-based withdrawal system of the present invention. Although only some specific embodiments of the present invention have been described, those skilled in the art should understand that the present invention can be implemented in many other forms without departing from the spirit and scope thereof. The examples and embodiments shown are therefore to be regarded as illustrative and not restrictive, and the invention may cover various modifications without departing from the spirit and scope of the invention as defined in the appended claims with replace.

Claims (9)

1. A method for withdrawing money based on NFC function, which is to carry out data transmission based on NFC between a mobile terminal with NFC function and a cash machine with NFC function and is used to realize mobile payment system, cash machine, acceptance bank system, bank card organization The method for data exchange between the system and the card-issuing bank system is characterized in that it includes the following steps: Withdrawal information acquisition step: the user obtains the withdrawal information through the mobile terminal with NFC function and uses the NFC function of the mobile terminal to obtain the cash machine equipment information of the cash machine; Step of sending the withdrawal request: the mobile terminal sends the withdrawal information and the information of the cash machine equipment as a withdrawal request to the accepting bank system through the mobile payment system; Withdrawal request verification step: the accepting bank system judges the legality of the withdrawal request; Withdrawal request forwarding steps: the accepting bank system forwards the withdrawal request to the bank card organization system on the premise that the withdrawal request is judged to be legal, and then the bank card organization system forwards the withdrawal request to the card issuing bank system; Withdrawal acceptance response step: the card-issuing bank system verifies the legitimacy of the withdrawal request, and sends the withdrawal acceptance response to the bank card organization system after passing the verification; Withdrawal acceptance response forwarding step: the bank card organization system forwards the withdrawal acceptance response to the accepting bank system; Banknote dispensing notification step: the accepting bank system notifies the cash dispenser corresponding to the equipment information of the cash dispenser to execute the cash dispenser operation according to the withdrawal acceptance response. 2. The method for withdrawing money based on the NFC function as claimed in claim 1, wherein: Before the step of obtaining the withdrawal information, it also has: Business opening steps: Only bind the bank card account, mobile terminal, and mobile payment system when opening the business for the first time. 3. the method for withdrawing money based on NFC function as claimed in claim 2, is characterized in that, also possesses after described money-out notice step: Withdrawal result notification step: the accepting bank system notifies the mobile payment system of the withdrawal transaction result; Step of forwarding the withdrawal result: the mobile payment system notifies the mobile terminal of the withdrawal transaction result. 4. the withdrawal method based on NFC function as claimed in claim 2, is characterized in that, Before the step of obtaining the withdrawal information, it also has: Business binding step: Bind the bank card account, mobile terminal, and mobile payment system. 5. The withdrawal method based on the NFC function according to any one of claims 1 to 3, wherein: In the step of obtaining withdrawal information, the user inputs withdrawal information of at least one or more of withdrawal account, amount, and transaction password in the mobile terminal. 6. A withdrawal system based on the NFC function, characterized in that it comprises: a mobile terminal, a mobile payment system, a cash machine, an accepting bank system, a bank card organization system, and a card-issuing bank system, The mobile terminal is equipped with: a first withdrawal module for performing withdrawal services, a first NFC communication module for performing NFC-based data communication with the cash machine, and a first NFC communication module for safely encrypting NFC-based data communication. security encryption module, The cash machine is equipped with: a second withdrawal module for performing withdrawal processing, a second NFC communication module for performing data communication based on NFC with the mobile terminal, and a second NFC communication module for performing secure data communication based on NFC. Encrypted second security encryption module, Wherein, the first cash withdrawal module of the mobile terminal is used to obtain withdrawal information and is used to obtain the cash machine equipment information of the cash machine through the first NFC communication module and the first security encryption module of the mobile terminal, The first NFC communication module of the mobile terminal is used to send the withdrawal information and the cash machine equipment information to the mobile payment system; The mobile payment system is used to acquire the withdrawal information and the cash machine equipment information from the mobile terminal and send them to the accepting bank system as a withdrawal request. 7. the withdrawal system based on NFC function as claimed in claim 6, is characterized in that, The receiving bank system is used to judge the legality of the withdrawal request and forward the withdrawal request to the bank card organization system on the premise that the withdrawal request is judged to be legal. On the other hand, when receiving the returned withdrawal from the bank card organization system In the case of an acceptance response, the withdrawal acceptance response is forwarded to the second withdrawal module of the cash machine, The bank card organization system is used to forward the withdrawal request from the accepting bank system to the card-issuing bank system, and forwards the withdrawal acceptance response to the accepting bank system when the withdrawal acceptance response is received from the card-issuing bank system; The card-issuing bank system is used for judging the withdrawal transaction and returning a withdrawal acceptance response to the bank card organization system, and the second withdrawal module of the cash machine is used for performing a money-dispensing action according to the withdrawal acceptance response. 8. the withdrawal system based on NFC function as claimed in claim 7, is characterized in that, The first withdrawal module of the mobile terminal is used to bind the bank card account, the mobile terminal, and the mobile payment system. 9. The withdrawal system based on NFC function as claimed in claim 7, characterized in that, The withdrawal information includes at least one or more of withdrawal account, amount, and transaction password.