CN104537562A - Financial self-service system processing method - Google Patents
Financial self-service system processing method Download PDFInfo
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- CN104537562A CN104537562A CN201510014731.6A CN201510014731A CN104537562A CN 104537562 A CN104537562 A CN 104537562A CN 201510014731 A CN201510014731 A CN 201510014731A CN 104537562 A CN104537562 A CN 104537562A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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Abstract
The embodiment of the invention discloses a financial self-service system processing method. The technical problem that an existing financial self-service system is inconvenient to operate and has potential safety hazards is solved. The financial self-service system processing method comprises the steps that a mobile terminal encrypts obtained transaction information; the mobile terminal sends the encrypted transaction information to a financial self-service terminal in a near field communication mode; the financial self-service terminal decrypts the transaction information and reconstructs the transaction information into transaction messages; a bank background analyzes the obtained transaction messages, and the transaction information is obtained; the bank background verifies the transaction information, and if the transaction information passes the verification, the financial self-service terminal executes transactions according to the transaction information.
Description
Technical field
The present invention relates to finance self-help field of terminal technology, particularly relate to a kind of disposal route of finance self-help system.
Background technology
Current finance self-help system is connected to form by network special line and bank backstage by some finance self-help terminals (Automatic TellerMachine).In such finance self-help system, finance self-help terminal is generally placed in open environment as shared device, easily spied on by crime one's share of expenses for a joint undertaking when user inputs the information such as dealing money, trading password in finance self-help terminal, there is the risk that security information is revealed, security is poor.
Along with the fast development of mobile communication, the mode utilizing the mobile terminals such as mobile phone to carry out financial transaction in finance self-help system also occurs successively.The feature that mobile phone possesses uniqueness, privacy and carries with, there is clear superiority in the technical scheme utilizing mobile phone to realize finance self-help terminal transaction.Mainly contain mobile phone reservation in the market to withdraw the money and Quick Response Code is withdrawn the money two schemes, but two schemes still has the following disadvantages:
One, operation is convenient not: mobile phone reservation is withdrawn the money on mobile phone, first inputted account, dealing money, trading password are preengage, then bank sends identifying code to mobile phone, and end user input handset number, reservation number and identifying code in finance self-help terminal complete transaction; Similarly, Quick Response Code is withdrawn the money to be needed to produce Quick Response Code on finance self-help terminal screen, then by mobile telephone scanning Quick Response Code, mobile phone inputs Transaction Account number, dealing money and trading password, the Transaction Informations such as Quick Response Code, Transaction Account number, trading password are issued bank's background authentication by mobile phone, and last bank is by verifying and notifying that finance self-help terminal processes is concluded the business.
Two, there is hidden danger in security: mobile phone reservation used identifying code and Quick Response Code used 2 D code information of withdrawing the money of withdrawing the money all easily is intercepted and captured by crime one's share of expenses for a joint undertaking and distorted, and crime one's share of expenses for a joint undertaking can utilize these information in finance self-help terminal, steal the property of user.
Summary of the invention
Embodiments provide a kind of disposal route of finance self-help system, the technical matters that existing finance self-help Dynamic System is not convenient, there is potential safety hazard can be solved.
The disposal route of a kind of finance self-help system that the embodiment of the present invention provides, comprising:
Mobile terminal is encrypted the Transaction Information got;
Transaction Information after encryption is sent to finance self-help terminal by Near Field Communication mode by described mobile terminal;
Described finance self-help terminal is decrypted described Transaction Information, reassembles into transaction message;
Bank backstage is resolved the described transaction message got, and obtains described Transaction Information;
Described bank verifies described Transaction Information on backstage, if be verified, then described finance self-help terminal performs transaction according to described Transaction Information.
Alternatively, described mobile terminal also comprises before being encrypted the Transaction Information got:
The Transaction Information of described acquisition for mobile terminal user input.
Alternatively, described Near Field Communication mode comprises the communication modes of NFC, bluetooth, infrared, RFID, ultrasound wave or opto-electronic conversion.
Alternatively, described mobile terminal by Near Field Communication mode by encryption after Transaction Information be sent to finance self-help terminal before also comprise:
Described mobile terminal and described finance self-help terminal carry out two-way authentication, if certification is passed through, then perform the Transaction Information after encryption is sent to finance self-help terminal by described mobile terminal step by Near Field Communication mode.
Alternatively, described bank backstage is resolved the described transaction message got, and also comprises before obtaining described Transaction Information:
Described transaction message is sent to described bank backstage by described finance self-help terminal.
Alternatively, described transaction message is sent to described bank backstage and specifically comprises by described finance self-help terminal:
Described transaction message is sent to described bank backstage by network special line by described finance self-help terminal;
Or described transaction message is sent to described bank backstage by the wireless network of described mobile terminal by described finance self-help terminal.
Alternatively, described finance self-help terminal also comprises before described transaction message is sent to described bank backstage:
Two-way authentication is carried out on described finance self-help terminal and described bank backstage, if certification is passed through, then performs the step that described transaction message is sent to described bank backstage by described finance self-help terminal.
Alternatively, described bank backstage is resolved the described transaction message got, and also comprises after obtaining described Transaction Information:
Described bank backstage judges whether the equipment state of described finance self-help terminal meets prerequisite, if so, then performs the step that described bank backstage is verified described Transaction Information, if not, then performs according to presetting rule.
Alternatively, described execution according to presetting rule specifically comprises:
Described bank inquires about on backstage in transaction site, described finance self-help terminal place whether there is another finance self-help terminal that equipment state meets prerequisite, if, then notify that active user goes to another finance self-help terminal described to perform transactional operation, if not, then return Fail Transaction information.
Alternatively, described finance self-help terminal performs to conclude the business according to described Transaction Information and specifically comprises:
Described bank backstage is converted to transaction credentials download in the security medium of described mobile terminal according to described Transaction Information, and described security medium comprises the SIM card of described mobile terminal or the SE module of NFC;
Described finance self-help terminal obtains the described transaction voucher in the security medium of described mobile terminal by Near Field Communication mode;
Described finance self-help terminal performs transaction according to described transaction voucher.
As can be seen from the above technical solutions, the embodiment of the present invention has the following advantages:
In the embodiment of the present invention, a kind of disposal route of finance self-help system comprises: mobile terminal is encrypted the Transaction Information got; Transaction Information after encryption is sent to finance self-help terminal by Near Field Communication mode by described mobile terminal; Described finance self-help terminal is decrypted described Transaction Information, reassembles into transaction message; Bank backstage is resolved the described transaction message got, and obtains described Transaction Information; Described bank verifies described Transaction Information on backstage, if be verified, then described finance self-help terminal performs transaction according to described Transaction Information.In embodiments of the present invention, Transaction Information after encryption is sent to finance self-help terminal by Near Field Communication mode by mobile terminal, because the privacy of Near Field Communication mode is high, be not easy intercepted and captured by offender or distort Transaction Information wherein, therefore possess higher security; In addition, without the need to scanning Quick Response Code or input validation code in process of exchange, it is more convenient to operate.
Accompanying drawing explanation
Fig. 1 is disposal route embodiment process flow diagram of a kind of finance self-help system in the embodiment of the present invention;
Fig. 2 is another embodiment process flow diagram of disposal route of a kind of finance self-help system in the embodiment of the present invention;
Fig. 3 is the principle of work schematic diagram of the disposal route of the finance self-help system that Fig. 2 is corresponding;
Fig. 4 is another embodiment process flow diagram of disposal route of a kind of finance self-help system in the embodiment of the present invention;
Fig. 5 is the principle of work schematic diagram of the disposal route of the finance self-help system that Fig. 4 is corresponding.
Embodiment
Embodiments provide a kind of disposal route of finance self-help system, for solving the technical matters that existing finance self-help Dynamic System is not convenient, there is potential safety hazard.
For making goal of the invention of the present invention, feature, advantage can be more obvious and understandable, below in conjunction with the accompanying drawing in the embodiment of the present invention, technical scheme in the embodiment of the present invention is clearly and completely described, obviously, the embodiments described below are only the present invention's part embodiments, and the embodiment of not all.Based on the embodiment in the present invention, those of ordinary skill in the art, not making other embodiments all obtained under creative work prerequisite, belong to the scope of protection of the invention.
Refer to Fig. 1, in the embodiment of the present invention, disposal route embodiment of a kind of finance self-help system comprises:
101, mobile terminal is encrypted the Transaction Information got;
After getting Transaction Information, mobile terminal can be encrypted the Transaction Information got.
102, the Transaction Information after encryption is sent to finance self-help terminal by Near Field Communication mode by this mobile terminal;
After mobile terminal is encrypted the Transaction Information got, the Transaction Information after encryption can be sent to finance self-help terminal by Near Field Communication mode by this mobile terminal.
103, this finance self-help terminal is decrypted this Transaction Information, reassembles into transaction message;
This mobile terminal by Near Field Communication mode by encryption after Transaction Information be sent to finance self-help terminal after, this finance self-help terminal can be decrypted this Transaction Information, and reassembles into transaction message.
104, bank backstage is resolved this transaction message got, and obtains this Transaction Information;
After finance self-help terminal obtains this transaction message, bank backstage can be resolved this transaction message got, and obtains this Transaction Information.
105, this bank backstage is verified this Transaction Information, if be verified, then performs step 106, if checking is not passed through, then performs step 107;
After this bank backstage gets this Transaction Information, this bank backstage can be verified this Transaction Information, if be verified, then performs step 106, if checking is not passed through, then performs step 107.
106, this finance self-help terminal performs transaction according to this Transaction Information;
If be verified, then this finance self-help terminal performs transaction according to this Transaction Information.
107, operate by normal flow.
If checking is not passed through, then by normal flow operation.
In the present embodiment, a kind of disposal route of finance self-help system comprises: mobile terminal is encrypted the Transaction Information got; Transaction Information after encryption is sent to finance self-help terminal by Near Field Communication mode by this mobile terminal; This finance self-help terminal is decrypted this Transaction Information, reassembles into transaction message; Bank backstage is resolved this transaction message got, and obtains this Transaction Information; This bank backstage is verified this Transaction Information, if be verified, then this finance self-help terminal performs transaction according to this Transaction Information.In the present embodiment, Transaction Information after encryption is sent to finance self-help terminal by Near Field Communication mode by mobile terminal, because the privacy of Near Field Communication mode is high, be not easy intercepted and captured by offender or distort Transaction Information wherein, therefore possess higher security; In addition, without the need to scanning Quick Response Code or input validation code in process of exchange, it is more convenient to operate.
For ease of understanding, be described in detail the disposal route of a kind of finance self-help system in the embodiment of the present invention below, refer to Fig. 2, in the embodiment of the present invention, another embodiment of disposal route of a kind of finance self-help system comprises:
201, the Transaction Information of this acquisition for mobile terminal user input;
First, user needs to input relevant Transaction Information on mobile terminals, and this mobile terminal can obtain the Transaction Information of user's input.Above-mentioned Transaction Information can comprise accounts information, dealing money, trading password etc.
It should be noted that, before this, the disposal route of this finance self-help system can also comprise: two-way authentication is carried out on mobile terminal and bank backstage, and certification can get the accounts information of user by rear mobile terminal from bank backstage.Alternatively, this mobile terminal realizes two-way authentication by the transaction application programs on it and bank backstage.In addition, for providing security, SSL (Security Socket Layer) encryption technology can also be adopted when carrying out two-way authentication.
202, mobile terminal is encrypted the Transaction Information got;
After the Transaction Information of this acquisition for mobile terminal user input, mobile terminal can be encrypted the Transaction Information got.
203, this mobile terminal and this finance self-help terminal carry out two-way authentication, if certification is passed through, then perform step 204, if certification is not passed through, then return failure information;
After mobile terminal is encrypted the Transaction Information got, this mobile terminal and this finance self-help terminal carry out two-way authentication, if certification is passed through, then perform step 204, if certification is not passed through, then return failure information.Be understandable that, in practical operation, mobile terminal needs to carry out two-way authentication with finance self-help terminal, thus mutually establishes identity.Mobile terminal needs to know currently with which platform finance self-help terminal to conclude the business, and finance self-help terminal also needs to know currently with which platform mobile terminal to conclude the business, and also needs to confirm mutually whether the other side possesses the qualification etc. of transaction between both sides.
It should be noted that, while carrying out two-way authentication, finance self-help terminal can get the decruption key that step 202 is encrypted.Alternatively, this decruption key also can be kept in finance self-help terminal by other means, is such as provided by bank backstage, is not specifically limited herein.
204, the Transaction Information after encryption is sent to finance self-help terminal by Near Field Communication mode by this mobile terminal;
Carry out two-way authentication at this mobile terminal and this finance self-help terminal and pass through afterwards, the Transaction Information after encryption is sent to finance self-help terminal by Near Field Communication mode by this mobile terminal.This Near Field Communication mode comprises the communication modes of NFC (Near Field Communication), bluetooth, infrared, RFID (non-contact radio-frequency identification), ultrasound wave or opto-electronic conversion.Be understandable that, because the communication distance of Near Field Communication mode is shorter, mobile terminal needs to operate in the short range of finance self-help terminal, and such as user carries the operation in front etc. that mobile terminal comes ATM (Automatic Teller Machine).This communication modes is also because communication distance is short, thus the distance of Transaction Information transmission is short, and the possibility intercepted and captured by offender is very little.
205, this finance self-help terminal is decrypted this Transaction Information, reassembles into transaction message;
This mobile terminal by Near Field Communication mode by encryption after Transaction Information be sent to finance self-help terminal after, this finance self-help terminal is decrypted this Transaction Information, reassembles into transaction message.Now, the Transaction Information decrypted can also show by finance self-help terminal on a display screen, confirms for user.Wherein, the trading password in Transaction Information can not show.User can check Transaction Information on a display screen, and confirm after confirmation that this finance self-help terminal continues executable operations again, security is high.
206, two-way authentication is carried out on this finance self-help terminal and this bank backstage, if certification is passed through, then performs step 207, if certification is not passed through, then returns failure information;
Before finance self-help terminal sends transaction message to bank backstage, two-way authentication is carried out on this finance self-help terminal and this bank backstage, if certification is passed through, then performs step 207, if certification is not passed through, then returns failure information.
207, this transaction message is sent to this bank backstage by network special line by this finance self-help terminal;
Carry out two-way authentication in this finance self-help terminal and this bank backstage and pass through afterwards, this transaction message is sent to this bank backstage by network special line by this finance self-help terminal.Be understandable that, finance self-help terminal, when networking, realizes communicating to connect by network special line and bank backstage.This network special line is that Internet Service Provider is supplied to the special channel of banking system, does not open to the outside world, and therefore communication quality is reliable, and security is high.
208, bank backstage is resolved this transaction message got, and obtains this Transaction Information;
After this transaction message is sent to this bank backstage by network special line by this finance self-help terminal, bank backstage can be resolved this transaction message got, and obtains this Transaction Information.
209, this bank backstage judges whether the equipment state of this finance self-help terminal meets prerequisite, if so, then performs step 210, if not, then performs step 212;
This bank backstage can judge whether the equipment state of this finance self-help terminal meets prerequisite, if so, then performs step 210, if not, then performs step 212.Whether the equipment state of finance self-help terminal can comprise equipment and normally run, remainingly extract the amount of money etc., then this prerequisite can be greater than setting threshold value etc. for equipment normal operation, the remaining amount of money that extracts.Only have the equipment state when this finance self-help terminal to meet prerequisite, this finance self-help terminal just possesses the ability of carrying out current transaction.If meet, then illustrate that this finance self-help terminal possesses trading capacity, perform step 210, if do not meet, then perform step 212.
210, this bank backstage is verified this Transaction Information, if be verified, then performs step 211, if checking is not passed through, then returns failure information;
After bank backstage gets this Transaction Information, this bank backstage is verified this Transaction Information, if be verified, then performs step 211, if checking is not passed through, then returns failure information.Be understandable that, this bank backstage is verified Transaction Information, comprise trading password in the checking Transaction Information dealing money whether in correct, Transaction Information whether be less than or equal to the avail of user account, user accounts information whether normal etc.
211, this finance self-help terminal performs transaction according to this Transaction Information;
After this bank backstage to be verified this Transaction Information and is verified, this finance self-help terminal performs transaction according to this Transaction Information.
It should be noted that, this finance self-help terminal performs transaction according to this Transaction Information and specifically can comprise:
1) this bank backstage is converted to transaction credentials download in the security medium of this mobile terminal according to this Transaction Information, and this security medium comprises the SIM card of this mobile terminal or the SE module of NFC;
2) this finance self-help terminal obtains this transaction voucher in the security medium of this mobile terminal by Near Field Communication mode;
3) this finance self-help terminal performs transaction according to this transaction voucher.
Above-mentioned transaction voucher can be the converted electronic cash of the user account amount of money, is stored in the form of data in security medium.
It should be noted that, after finance self-help terminal performs Transaction Success, can also report Transaction Success to bank backstage, bank backstage completes transaction and keeps accounts and Transaction Success result returned to mobile terminal display.If finance self-help terminal performs Fail Transaction, then return Fail Transaction information, and report bank backstage.
212, this bank backstage inquires about in this transaction site, finance self-help terminal place whether there is another finance self-help terminal that equipment state meets prerequisite, if so, then performs step 213, if not, then returns Fail Transaction information;
When this finance self-help terminal does not meet prerequisite, this bank backstage can inquire about in this transaction site, finance self-help terminal place whether there is another finance self-help terminal that equipment state meets prerequisite, if so, then performs step 213, if not, then Fail Transaction information is returned.Be understandable that, multiple stage finance self-help terminal can be there is in this transaction site, when bank backstage finds that this finance self-help terminal does not meet prerequisite, then inquire about other finance self-help terminals of this transaction site, wherein may there is another finance self-help terminal meeting prerequisite, thus proceed transaction.
213, notify that active user goes to this another finance self-help terminal to perform transactional operation.
When this bank's backstage inquiry learns in this transaction site, finance self-help terminal place that there is equipment state meets another finance self-help terminal of prerequisite, can notify that active user goes to this another finance self-help terminal to perform transactional operation.Notify that the mode of user can have multiple herein, such as notification message is sent to mobile terminal, or be presented on current finance self-help terminal display screen.
In the present embodiment, user can process on mobile terminals the input of Transaction Information, account balance the operation such as to check, carry out communication transaction by Near Field Communication mode and finance self-help terminal, be conducive to the security ensureing user's private information; Separately, user can use mobile terminal to complete transactional operation, does not need to carry bank card, simple and quick, improves the convenience that user uses finance self-help terminal.
For ease of understanding, the embodiment described by Fig. 2, is described with the disposal route of a practical application scene to a kind of finance self-help system in the embodiment of the present invention below, refers to Fig. 3:
1, user logs in mobile terminal money transaction application program.
2, mobile terminal money transaction application program and banking system carry out two-way authentication (adopting SSL security protocol), and certification obtains user account information by rear mobile terminal from banking system.
3, user inputs the Transaction Information such as dealing money, trading password in mobile terminal money transaction application program, and is encrypted Transaction Information.
4, user is by the close-distance safety communication module of mobile terminal near finance self-help terminal.
5, the mobile terminal money transaction application program of user carries out two-way authentication by close-distance safety communication module and finance self-help terminal, and encryption and decryption key is kept in finance self-help terminal or in bank's background system.If encryption and decryption key is kept at bank's background system, finance self-help terminal needs that authentication information is sent to bank backstage by bank's special line and carries out two-way authentication after receiving the authentication information that mobile terminal sends.
6, certification sends the Transaction Information of encryption to finance self-help terminal by close-distance safety communication module by rear mobile terminal.
7, finance self-help terminal is decrypted Transaction Information, (allow user confirm as ATM has display screen can show Transaction Information, can strengthen security like this), composition transaction message.
8, finance self-help terminal is by the background system process transaction of private line access bank of bank.
9, finance self-help terminal reports Transaction Success by bank's special line to bank's background system, and bank completes transaction and keeps accounts, and Transaction Success result is returned to mobile terminal display; Otherwise finance self-help terminal reports Fail Transaction by the wireless network of mobile terminal to bank's background system, and bank backstage completes Error disposal, and Fail Transaction result is returned to mobile terminal display.
Mainly be described in the disposal route of the finance self-help system in finance self-help terminal networking situation above, a kind of disposal route of finance self-help system will be described in detail when finance self-help terminal off line below, refer to Fig. 4, in the embodiment of the present invention, another embodiment of disposal route of a kind of finance self-help system comprises:
401, the Transaction Information of this acquisition for mobile terminal user input;
First, user needs to input relevant Transaction Information on mobile terminals, and this mobile terminal can obtain the Transaction Information of user's input.Above-mentioned Transaction Information can comprise accounts information, dealing money, trading password etc.
It should be noted that, before this, the disposal route of this finance self-help system can also comprise: two-way authentication is carried out on mobile terminal and bank backstage, and certification can get the accounts information of user by rear mobile terminal from bank backstage.Alternatively, this mobile terminal realizes two-way authentication by the transaction application programs on it and bank backstage.In addition, for providing security, SSL (Security Socket Layer) encryption technology can also be adopted when carrying out two-way authentication.
402, mobile terminal is encrypted the Transaction Information got;
After the Transaction Information of this acquisition for mobile terminal user input, mobile terminal can be encrypted the Transaction Information got.
403, this mobile terminal and this finance self-help terminal carry out two-way authentication, if certification is passed through, then perform step 404, if certification is not passed through, then return failure information;
After mobile terminal is encrypted the Transaction Information got, this mobile terminal and this finance self-help terminal carry out two-way authentication, if certification is passed through, then perform step 404, if certification is not passed through, then return failure information.Be understandable that, in practical operation, mobile terminal needs to carry out two-way authentication with finance self-help terminal, thus mutually establishes identity.Mobile terminal needs to know currently with which platform finance self-help terminal to conclude the business, and finance self-help terminal also needs to know currently with which platform mobile terminal to conclude the business, and also needs to confirm mutually whether the other side possesses the qualification etc. of transaction between both sides.
It should be noted that, while carrying out two-way authentication, finance self-help terminal can get the decruption key that step 402 is encrypted.Alternatively, this decruption key also can be kept in finance self-help terminal by other means, is such as provided by bank backstage, is not specifically limited herein.
404, the Transaction Information after encryption is sent to finance self-help terminal by Near Field Communication mode by this mobile terminal;
Carry out two-way authentication at this mobile terminal and this finance self-help terminal and pass through afterwards, the Transaction Information after encryption is sent to finance self-help terminal by Near Field Communication mode by this mobile terminal.This Near Field Communication mode comprises the communication modes of NFC (Near Field Communication), bluetooth, infrared, RFID (non-contact radio-frequency identification), ultrasound wave or opto-electronic conversion.Be understandable that, because the communication distance of Near Field Communication mode is shorter, mobile terminal needs to operate in the short range of finance self-help terminal, and such as user carries the operation in front etc. that mobile terminal comes ATM (Automatic Teller Machine).This communication modes is also because communication distance is short, thus the distance of Transaction Information transmission is short, and the possibility intercepted and captured by offender is very little.
405, this finance self-help terminal is decrypted this Transaction Information, reassembles into transaction message;
This mobile terminal by Near Field Communication mode by encryption after Transaction Information be sent to finance self-help terminal after, this finance self-help terminal is decrypted this Transaction Information, reassembles into transaction message.Now, the Transaction Information decrypted can also show by finance self-help terminal on a display screen, confirms for user.Wherein, the trading password in Transaction Information can not show.User can check Transaction Information on a display screen, and confirm after confirmation that this finance self-help terminal continues executable operations again, security is high.
406, two-way authentication is carried out on this finance self-help terminal and this bank backstage, if certification is passed through, then performs step 407, if certification is not passed through, then returns failure information;
Before finance self-help terminal sends transaction message to bank backstage, two-way authentication is carried out on this finance self-help terminal and this bank backstage, if certification is passed through, then performs step 407, if certification is not passed through, then returns failure information.Under finance self-help terminal off-line state, this finance self-help terminal can carry out two-way authentication by the wireless network of mobile terminal and bank backstage.
407, this transaction message is sent to this bank backstage by the wireless network of this mobile terminal by this finance self-help terminal;
Carry out two-way authentication in this finance self-help terminal and this bank backstage and pass through afterwards, this transaction message is sent to this bank backstage by the wireless network of this mobile terminal by this finance self-help terminal.Be understandable that, under finance self-help terminal off-line state, because finance self-help terminal is connected with mobile terminal Near Field Communication, mobile terminal is connected with bank background communication by wireless network, therefore mobile terminal as the intermediary of communication, can realize the communication connection on finance self-help terminal and bank backstage.
408, bank backstage is resolved this transaction message got, and obtains this Transaction Information;
After this transaction message is sent to this bank backstage by network special line by this finance self-help terminal, bank backstage can be resolved this transaction message got, and obtains this Transaction Information.
409, this bank backstage judges whether the equipment state of this finance self-help terminal meets prerequisite, if so, then performs step 410, if not, then performs step 412;
This bank backstage can judge whether the equipment state of this finance self-help terminal meets prerequisite, if so, then performs step 410, if not, then performs step 412.Whether the equipment state of finance self-help terminal can comprise equipment and normally run, remainingly extract the amount of money etc., then this prerequisite can be greater than setting threshold value etc. for equipment normal operation, the remaining amount of money that extracts.Only have the equipment state when this finance self-help terminal to meet prerequisite, this finance self-help terminal just possesses the ability of carrying out current transaction.If meet, then illustrate that this finance self-help terminal possesses trading capacity, perform step 410, if do not meet, then perform step 412.
410, this bank backstage is verified this Transaction Information, if be verified, then performs step 411, if checking is not passed through, then returns failure information;
After bank backstage gets this Transaction Information, this bank backstage is verified this Transaction Information, if be verified, then performs step 411, if checking is not passed through, then returns failure information.Be understandable that, this bank backstage is verified Transaction Information, comprise trading password in the checking Transaction Information dealing money whether in correct, Transaction Information whether be less than or equal to the avail of user account, user accounts information whether normal etc.
411, this finance self-help terminal performs transaction according to this Transaction Information;
After this bank backstage to be verified this Transaction Information and is verified, this finance self-help terminal performs transaction according to this Transaction Information.
It should be noted that, this finance self-help terminal performs transaction according to this Transaction Information and specifically can comprise:
1) this bank backstage is converted to transaction credentials download in the security medium of this mobile terminal according to this Transaction Information, and this security medium comprises the SIM card of this mobile terminal or the SE module of NFC;
2) this finance self-help terminal obtains this transaction voucher in the security medium of this mobile terminal by Near Field Communication mode;
3) this finance self-help terminal performs transaction according to this transaction voucher.
Above-mentioned transaction voucher can be the converted electronic cash of the user account amount of money, is stored in the form of data in security medium.
It should be noted that, after finance self-help terminal performs Transaction Success, can also report Transaction Success to bank backstage, bank backstage completes transaction and keeps accounts and Transaction Success result returned to mobile terminal display.If finance self-help terminal performs Fail Transaction, then return Fail Transaction information, and report bank backstage.
412, this bank backstage inquires about in this transaction site, finance self-help terminal place whether there is another finance self-help terminal that equipment state meets prerequisite, if so, then performs step 413, if not, then returns Fail Transaction information;
When this finance self-help terminal does not meet prerequisite, this bank backstage can inquire about in this transaction site, finance self-help terminal place whether there is another finance self-help terminal that equipment state meets prerequisite, if so, then performs step 413, if not, then Fail Transaction information is returned.Be understandable that, multiple stage finance self-help terminal can be there is in this transaction site, when bank backstage finds that this finance self-help terminal does not meet prerequisite, then inquire about other finance self-help terminals of this transaction site, wherein may there is another finance self-help terminal meeting prerequisite, thus proceed transaction.
413, notify that active user goes to this another finance self-help terminal to perform transactional operation.
When this bank's backstage inquiry learns in this transaction site, finance self-help terminal place that there is equipment state meets another finance self-help terminal of prerequisite, can notify that active user goes to this another finance self-help terminal to perform transactional operation.Notify that the mode of user can have multiple herein, such as notification message is sent to mobile terminal, or be presented on current finance self-help terminal display screen.
In the present embodiment, finance self-help terminal can off line use, and saves the cost that network special line is laid by bank.
For ease of understanding, the embodiment described by Fig. 4, is described with the disposal route of a practical application scene to a kind of finance self-help system in the embodiment of the present invention below, refers to Fig. 5:
1, user logs in mobile terminal money transaction application program.
2, mobile terminal money transaction application program and banking system carry out two-way authentication (adopting SSL security protocol), and certification obtains user account information by rear mobile terminal from banking system.
3, user inputs the Transaction Information such as dealing money, trading password in mobile terminal money transaction application program, and is encrypted Transaction Information.
4, user is by the close-distance safety communication module of mobile terminal near finance self-help terminal.
5, the mobile terminal money transaction application program of user carries out two-way authentication by close-distance safety communication module and finance self-help terminal, and encryption and decryption key is kept in finance self-help terminal.
6, certification sends the Transaction Information passing through encryption to finance self-help terminal by close-distance safety communication module by rear mobile terminal.
7, finance self-help terminal is decrypted Transaction Information ciphertext, (allow user confirm as ATM has display screen can show Transaction Information, can strengthen security like this), composition transaction message.
8, finance self-help terminal carries out two-way authentication by the wireless network of mobile terminal and bank backstage.
9, transaction message & equipment state is issued bank's background system by rear finance self-help terminal by the wireless network of mobile terminal by certification.
10, bank's background system judgment device state, checking Transaction Information (containing trading password).
11, the result is returned finance self-help terminal by the wireless network of mobile terminal by bank's background system.
12, finance self-help terminal performs transaction processing.
13, as run succeeded, finance self-help terminal reports Transaction Success by the wireless network of mobile terminal to bank's background system, and bank completes transaction and keeps accounts, and Transaction Success result is returned to mobile terminal display; Otherwise finance self-help terminal reports Fail Transaction by the wireless network of mobile terminal to bank's background system, and bank backstage completes Error disposal, and Fail Transaction result is returned to mobile terminal display.
Those skilled in the art can be well understood to, and for convenience and simplicity of description, the system of foregoing description, the specific works process of device and unit, with reference to the corresponding process in preceding method embodiment, can not repeat them here.
In several embodiments that the application provides, should be understood that, disclosed system, apparatus and method, can realize by another way.Such as, device embodiment described above is only schematic, such as, the division of described unit, be only a kind of logic function to divide, actual can have other dividing mode when realizing, such as multiple unit or assembly can in conjunction with or another system can be integrated into, or some features can be ignored, or do not perform.Another point, shown or discussed coupling each other or direct-coupling or communication connection can be by some interfaces, and the indirect coupling of device or unit or communication connection can be electrical, machinery or other form.
The described unit illustrated as separating component or can may not be and physically separates, and the parts as unit display can be or may not be physical location, namely can be positioned at a place, or also can be distributed in multiple network element.Some or all of unit wherein can be selected according to the actual needs to realize the object of the present embodiment scheme.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, also can be that the independent physics of unit exists, also can two or more unit in a unit integrated.Above-mentioned integrated unit both can adopt the form of hardware to realize, and the form of SFU software functional unit also can be adopted to realize.
If described integrated unit using the form of SFU software functional unit realize and as independently production marketing or use time, can be stored in a computer read/write memory medium.Based on such understanding, the part that technical scheme of the present invention contributes to prior art in essence in other words or all or part of of this technical scheme can embody with the form of software product, this computer software product is stored in a storage medium, comprising some instructions in order to make a computer equipment (can be personal computer, server, or the network equipment etc.) perform all or part of step of method described in each embodiment of the present invention.And aforesaid storage medium comprises: USB flash disk, portable hard drive, ROM (read-only memory) (ROM, Read-OnlyMemory), random access memory (RAM, Random Access Memory), magnetic disc or CD etc. various can be program code stored medium.
The above, above embodiment only in order to technical scheme of the present invention to be described, is not intended to limit; Although with reference to previous embodiment to invention has been detailed description, those of ordinary skill in the art is to be understood that: it still can be modified to the technical scheme described in foregoing embodiments, or carries out equivalent replacement to wherein portion of techniques feature; And these amendments or replacement, do not make the essence of appropriate technical solution depart from the spirit and scope of various embodiments of the present invention technical scheme.
Claims (10)
1. a disposal route for finance self-help system, is characterized in that, comprising:
Mobile terminal is encrypted the Transaction Information got;
Transaction Information after encryption is sent to finance self-help terminal by Near Field Communication mode by described mobile terminal;
Described finance self-help terminal is decrypted described Transaction Information, reassembles into transaction message;
Bank backstage is resolved the described transaction message got, and obtains described Transaction Information;
Described bank verifies described Transaction Information on backstage, if be verified, then described finance self-help terminal performs transaction according to described Transaction Information.
2. method according to claim 1, is characterized in that, described mobile terminal also comprises before being encrypted the Transaction Information got:
The Transaction Information of described acquisition for mobile terminal user input.
3. method according to claim 1, is characterized in that, described Near Field Communication mode comprises the communication modes of NFC, bluetooth, infrared, RFID, ultrasound wave or opto-electronic conversion.
4. method according to claim 1, is characterized in that, described mobile terminal by Near Field Communication mode by encryption after Transaction Information be sent to finance self-help terminal before also comprise:
Described mobile terminal and described finance self-help terminal carry out two-way authentication, if certification is passed through, then perform the Transaction Information after encryption is sent to finance self-help terminal by described mobile terminal step by Near Field Communication mode.
5. method according to claim 1, is characterized in that, described bank backstage is resolved the described transaction message got, and also comprises before obtaining described Transaction Information:
Described transaction message is sent to described bank backstage by described finance self-help terminal.
6. method according to claim 5, is characterized in that, described transaction message is sent to described bank backstage and specifically comprises by described finance self-help terminal:
Described transaction message is sent to described bank backstage by network special line by described finance self-help terminal;
Or described transaction message is sent to described bank backstage by the wireless network of described mobile terminal by described finance self-help terminal.
7. method according to claim 5, is characterized in that, described finance self-help terminal also comprises before described transaction message is sent to described bank backstage:
Two-way authentication is carried out on described finance self-help terminal and described bank backstage, if certification is passed through, then performs the step that described transaction message is sent to described bank backstage by described finance self-help terminal.
8. method according to claim 1, is characterized in that, described bank backstage is resolved the described transaction message got, and also comprises after obtaining described Transaction Information:
Described bank backstage judges whether the equipment state of described finance self-help terminal meets prerequisite, if so, then performs the step that described bank backstage is verified described Transaction Information, if not, then performs according to presetting rule.
9. method according to claim 8, is characterized in that, described execution according to presetting rule specifically comprises:
Described bank inquires about on backstage in transaction site, described finance self-help terminal place whether there is another finance self-help terminal that equipment state meets prerequisite, if, then notify that active user goes to another finance self-help terminal described to perform transactional operation, if not, then return Fail Transaction information.
10. method according to any one of claim 1 to 9, is characterized in that, described finance self-help terminal performs transaction according to described Transaction Information and specifically comprises:
Described bank backstage is converted to transaction credentials download in the security medium of described mobile terminal according to described Transaction Information, and described security medium comprises the SIM card of described mobile terminal or the SE module of NFC;
Described finance self-help terminal obtains the described transaction voucher in the security medium of described mobile terminal by Near Field Communication mode;
Described finance self-help terminal performs transaction according to described transaction voucher.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510014731.6A CN104537562A (en) | 2015-01-12 | 2015-01-12 | Financial self-service system processing method |
| PCT/CN2015/085189 WO2016112675A1 (en) | 2015-01-12 | 2015-07-27 | Financial self-service system processing method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510014731.6A CN104537562A (en) | 2015-01-12 | 2015-01-12 | Financial self-service system processing method |
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| CN104537562A true CN104537562A (en) | 2015-04-22 |
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| CN201510014731.6A Pending CN104537562A (en) | 2015-01-12 | 2015-01-12 | Financial self-service system processing method |
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| CN (1) | CN104537562A (en) |
| WO (1) | WO2016112675A1 (en) |
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| WO2016112675A1 (en) * | 2015-01-12 | 2016-07-21 | 广州广电运通金融电子股份有限公司 | Financial self-service system processing method |
| CN105869269A (en) * | 2016-03-25 | 2016-08-17 | 深圳怡化电脑股份有限公司 | Method and device for verifying money outgoing |
| CN105959259A (en) * | 2016-04-20 | 2016-09-21 | 宿州学院 | Communication system of financial self-service equipment |
| CN106375938A (en) * | 2016-08-29 | 2017-02-01 | 广州御银自动柜员机科技有限公司 | Short distance wireless communication apparatus for STM machine |
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| CN111968298A (en) * | 2020-08-18 | 2020-11-20 | 中国银行股份有限公司 | Commemorative coin exchange processing method and device |
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| WO2016112675A1 (en) | 2016-07-21 |
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