Search International and National Patent Collections

1. (WO2017036201) PROTECTION METHOD FOR CARDLESS ACCOUNT TRANSFER OR DEPOSIT WITHDRAWAL, AND MOBILE PHONE SYSTEM

Pub. No.:    WO/2017/036201    International Application No.:    PCT/CN2016/084106
Publication Date: Fri Mar 10 00:59:59 CET 2017 International Filing Date: Wed Jun 01 01:59:59 CEST 2016
IPC: G06Q 20/16
G06F 21/62
H04M 1/725
Applicants: YULONG COMPUTER TELECOMMUNICATION SCIENTIFIC (SHENZHEN) CO., LTD.
宇龙计算机通信科技(深圳)有限公司
Inventors: LIANG, Wendong
梁文栋
Title: PROTECTION METHOD FOR CARDLESS ACCOUNT TRANSFER OR DEPOSIT WITHDRAWAL, AND MOBILE PHONE SYSTEM
Abstract:
Disclosed are a protection method for cardless account transfer or deposit withdrawal, and a mobile phone system. The method comprises: after a second operating system receives a short message comprising a dynamic code (101), encrypting the dynamic code by means of a first operating system (102); then judging, by the second operating system, whether the second operating system itself is in a pre-set range of a certain ATM machine (103); when the second operating system judges that the second operating system itself is in a pre-set range of a certain ATM machine, judging, by the first operating system, whether a received decrypted password is correct (104); and when the first operating system judges that the decrypted password matches a pre-set password, displaying the dynamic code in the short message (105), the pre-set password being a physical feature of a user itself. That is, only when the user itself is near the ATM machine can the dynamic code be obtained by means of the decrypted password of the user itself, thereby avoiding a cardless operation on a user bank card by a non-user itself, and guaranteeing the safety of the property in the user bank card.