Use a mobile phone to get money from an ATM

 

The following two features of mobile phone make it potentially a unified payment and credit platform:

1. The mobile phone has a pre-paid balance, so it can become an "Account"
2. SMS has "Basic real-time" and can be used for confirmation

 

1. Use a mobile phone to buy drinks from a vending machine

Scenario:

A. The vending machine is marked with the IDs of various commodities. For example, Master Kong green tea number: r3c4. The price is 3.00 yuan.

B. Each vending machine has a mobile phone number, such as 13810001801.

C. when buying a drink, use your mobile phone to send the number and quantity to the vending machine number. For example, send r3c4n2 to 13810001801 and buy two bottles of Master Kong green tea.

D. The vending machine will reply to the text message "buy Master Kong green tea, quantity 2, unit price 3.00, total 6.00". Please reply to any information if you do not reply within one minute"

E. Just reply.

F. The vending machine first "has two bottles of Master Kong green tea" and then deducts 6 yuan from your cell phone balance.

Benefits:

There is no cash flow, so customers do not need to prepare five or ten yuan of money, manufacturers do not need anti-counterfeiting, do not need to send people to collect money regularly, of course, make up the Warehouse is inevitable

Disadvantages:

In the event of an accident, it is difficult to properly handle the problem, such as insufficient inventory, insufficient mobile phone balance, and cargo congestion.

Which of the following is a potential concurrency problem?

 

2. Use a mobile phone to buy Dongdong from an online store.

Scenario:

A. Purchase and place orders on the e-commerce website.

B. Select "Mobile Payment" as the payment method and enter the mobile phone number (the mobile phone number bound to the Logon account can be used by default)

C. The website sends a text message to the mobile phone, including the order number and item list. If you are sure to reply Yes, cancel the reply to No. If you do not reply within one minute, the message is canceled.

D. reply yes. The website deducts the corresponding fees from the mobile phone balance.

E. Waiting for delivery

Benefits:

It is more convenient than remittance and safer than e-Bank (?)

Disadvantages:

In the event of an accident...

 

3. Use a mobile phone to get money from UnionPay ATM

Scenario:

1. A mobile phone is bound to a bank savings account. Each Bank can only be bound to one savings account.

2. Each UnionPay ATM has a mobile operator assigned a number, such as 13808881818

3. Send the bank code, account password, and amount to the ATM when you get the money. For example, send "cb1234561000" to 13808881818, and get 1000 yuan from the account of the bank of china bound to the mobile phone. The password is 123456.

4. The ATM replies to the text message "this ATM address: No. 1 chang'an Street, which is withdrawn from the XXXX-xxx-XXXXX account of the Bank of China. The amount is 1000 yuan. Please reply yes if you confirm. Please reply no if you cancel it, if you do not reply within one minute, the transaction will be abandoned"

5. Reply Yes

6. ATM spit money and deduct balance

Benefits:

1. Password Input is more concealed and will not be peeked (?)

2. Don't forget to get the card, because there is no card at all, and the money transaction is over.

Disadvantages:

I always feel insecure...

Which of the following is the potential concurrency problem?