CN111951017A - Counter transaction authorization method, system, computer equipment and readable storage medium - Google Patents
Counter transaction authorization method, system, computer equipment and readable storage medium Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The embodiment of the invention provides a counter transaction authorization method, a counter transaction authorization system, computer equipment and a readable storage medium, wherein the counter transaction authorization method comprises the following steps: receiving the transaction related information through the teller terminal, and acquiring a certificate image according to the authorization related information under the condition that the transaction related information is approved; sending the transaction related information and the certificate image to an authorization machine; receiving an authorization result output by the teller terminal and the authorization machine; when the authorization results output by the teller terminal and the authorization machine are both authorized to pass, the transaction authorization is judged to pass; when the authorization results returned by the teller terminal and the authorization machine are both authorization failures, the transaction authorization failure is judged; when the authorization result returned by the teller terminal or the authorization machine is authorization failure, the transaction related information and the certificate image are sent to the remote centralized authorization equipment for authorization judgment; and judging whether the transaction authorization passes according to an authorization result returned by the remote centralized authorization equipment. The scheme is beneficial to improving the accuracy of transaction authorization.
Description
Technical Field
The invention relates to the technical field of transaction processing, in particular to a counter transaction authorization method, a counter transaction authorization system, computer equipment and a readable storage medium.
Background
In order to prevent the operation risk in the teller passenger-replacing operation process, different authorization points are often set in large commercial banks, and the accurate operation compliance is ensured by authorizing teller to perform a business authorization mode. The current commercial bank authorization mode mainly comprises local authorization and remote centralized authorization. The local authorization verifies and authorizes the transaction to continue through the authorization post of the network points, and the remote centralized approval authorization refers to that the transaction authorization requests of the network points are transmitted to the authorization center in a centralized mode and approved by the full-time authorization teller of the authorization center. Local authorization exists in the internal control risk of the authorized teller and the officer collusion; the remote centralized authorization center authorizes the teller to authorize the accuracy and the compliance of the service through the certificate image, cannot completely master the site transaction information and the background of the network points, and brings a certain degree of misoperation risk by purely manual subjective judgment.
Disclosure of Invention
The embodiment of the invention provides a counter transaction authorization method, which aims to solve the technical problem of low accuracy of counter transaction authorization in the prior art. The method comprises the following steps:
receiving the transaction related information through the teller terminal, auditing the transaction related information, and acquiring a certificate image according to the authorization related information under the condition that the transaction related information is approved;
sending the transaction related information and the certificate image to an authorization machine;
receiving an authorization result output by the teller terminal and an authorization result returned by the authorization machine;
when the authorization result output by the teller terminal and the authorization result returned by the authorization machine are both authorized to pass, judging that the transaction authorization passes; when the authorization result output by the teller terminal and the authorization result returned by the authorization machine are both authorization failures, judging that the transaction authorization fails; when the authorization result output by the teller terminal or the authorization result returned by the authorization machine is authorization failure, the transaction related information and the certificate image are sent to a remote centralized authorization device for authorization judgment;
and judging whether the transaction authorization passes according to an authorization result returned by the remote centralized authorization equipment.
The embodiment of the invention also provides a counter transaction authorization system, which aims to solve the technical problem of low accuracy of counter transaction authorization in the prior art. The system comprises:
the teller terminal is used for receiving the transaction related information, auditing the transaction related information and acquiring a certificate image according to the authorization related information under the condition that the transaction related information is approved;
the teller terminal is also used for sending the transaction related information and the certificate image to an authorization machine;
the authorization judging module is used for receiving an authorization result output by the teller terminal and an authorization result returned by the authorization machine; when the authorization result output by the teller terminal and the authorization result returned by the authorization machine are both authorized to pass, judging that the transaction authorization passes; when the authorization result output by the teller terminal and the authorization result returned by the authorization machine are both authorization failures, judging that the transaction authorization fails; when the authorization result output by the teller terminal or the authorization result returned by the authorization machine is authorization failure, the transaction related information and the certificate image are sent to a remote centralized authorization device for authorization judgment; and judging whether the transaction authorization passes according to an authorization result returned by the remote centralized authorization equipment.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the arbitrary counter transaction authorization method when executing the computer program so as to solve the technical problem of low accuracy in counter transaction authorization in the prior art.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing any counter transaction authorization method is stored in the computer-readable storage medium, so as to solve the technical problem in the prior art that counter transaction authorization is low in accuracy.
In the embodiment of the invention, the teller terminal receives the transaction related information and audits the transaction related information, namely the transaction related information is audited while being acquired, and the subsequent authorization judgment process is carried out after the audit is passed, so that the authorization result is prevented from being influenced due to the self defect of information such as error or non-compliance of the transaction related information, the authorization efficiency is prevented from being influenced due to reworking to acquire the transaction related information, and the authorization efficiency is further improved; in the authorization judging process, authorization results based on easily-related information and a certificate image are respectively and independently output by a teller terminal and an authorization machine, when the authorization results output by the teller terminal and the authorization machine are both authorized to pass, the transaction authorization is judged to pass at the moment, when the authorization results output by the teller terminal and the authorization machine are both authorized to fail, the transaction related information and the certificate image are sent to a remote centralized authorization device for authorization judgment when the authorization results output by the teller terminal or the authorization machine are both authorized to fail, and whether the transaction authorization passes or not is judged according to the authorization results returned by the remote centralized authorization device, so that the mode of judging the transaction authorization by mutually crossing and combining the teller terminal, the authorization machine and the remote centralized authorization device is realized, compared with the mode of judging the authorization by singly using one mode in the prior art, on the premise of not increasing human input and sacrificing efficiency, various risks caused by misoperation of authorization can be avoided or reduced, the accuracy of transaction authorization is improved, and user experience is improved.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the invention and together with the description serve to explain the principles of the invention. In the drawings:
FIG. 1 is a flow chart of a counter transaction authorization method according to an embodiment of the present invention;
FIG. 2 is a flow chart of a method for authorizing counter transactions according to an embodiment of the present invention;
FIG. 3 is a block diagram of a computer device according to an embodiment of the present invention;
fig. 4 is a block diagram of a counter transaction authorization system according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in further detail with reference to the following embodiments and accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In an embodiment of the present invention, a counter transaction authorization method is provided, as shown in fig. 1, the method includes:
step 102: receiving the transaction related information through the teller terminal, auditing the transaction related information, and acquiring a certificate image according to the authorization related information under the condition that the transaction related information is approved;
step 104: sending the transaction related information and the certificate image to an authorization machine;
step 106: receiving an authorization result output by the teller terminal and an authorization result returned by the authorization machine;
step 108: when the authorization result output by the teller terminal and the authorization result returned by the authorization machine are both authorized to pass, judging that the transaction authorization passes; when the authorization result output by the teller terminal and the authorization result returned by the authorization machine are both authorization failures, judging that the transaction authorization fails; when the authorization result output by the teller terminal or the authorization result returned by the authorization machine is authorization failure, the transaction related information and the certificate image are sent to a remote centralized authorization device for authorization judgment;
step 110: and judging whether the transaction authorization passes according to an authorization result returned by the remote centralized authorization equipment.
As can be seen from the flow shown in fig. 1, in the embodiment of the present invention, the teller terminal receives and audits the transaction related information, that is, the transaction related information is audited while being acquired, and a subsequent authorization determination process is performed after the audit is passed, so that an authorization result is prevented from being affected due to the self-defect of information such as a transaction related information error or a transaction related information failure, and an authorization efficiency is prevented from being affected due to rework of acquiring the transaction related information, which is favorable for improving the authorization efficiency; in the authorization judging process, authorization results based on the easily relevant information and the certificate image are respectively and independently output by the teller terminal and the authorization machine, when the authorization results output by the teller terminal and the authorization machine are both authorization pass, the transaction authorization is judged to pass at the moment, when the authorization results output by the teller terminal and the authorization machine are both authorization fail, the transaction authorization is judged to fail at the moment, when the authorization results output by the teller terminal or the authorization machine are authorization fail, the transaction relevant information and the certificate image are sent to the remote centralized authorization equipment for authorization judgment, and then whether the transaction authorization passes or not is judged according to the authorization results returned by the remote centralized authorization equipment, so that the way of judging the transaction authorization for one transaction by the mutual intersection and combination of the teller terminal, the authorization machine and the remote centralized authorization equipment is realized, compared with the way of judging the authorization by one way in the prior art, on the premise of not increasing human input and sacrificing efficiency, various risks caused by misoperation of authorization can be avoided or reduced, the accuracy of transaction authorization is improved, and user experience is improved.
In the specific implementation, in order to further improve the accuracy of transaction authorization and avoid the influence of the defects of the transaction related information such as errors or non-compliance on the authorization result, the counter transaction authorization method provides that in the process of receiving transaction related information by a teller terminal, the transaction related information is checked, the check can be to check the format, the content correctness, the identity verification and the like of the transaction related information, for example, in the process of collecting relevant transaction information, relevant information is synchronously obtained from institution systems such as the ministry of public security, the personnel, the industrial and commercial system, the in-line background and the like according to the client information to check the client identity, when some information is wrong, the acquisition of the transaction related information is automatically terminated, the authorization process is ended, the reason for ending the authorization or the information is wrong is prompted, and after the transaction related information is approved, the subsequent authorization judgment process is carried out.
In specific implementation, in order to provide accuracy of transaction authorization, the authorization judgment is performed through an authorization machine, so that the teller terminal and the authorization machine are independent from each other and perform authorization judgment synchronously based on transaction related information and a certificate image, whether the transaction authorization passes or whether authorization of remote centralized authorization equipment needs to be performed is judged based on authorization results of the teller terminal and the authorization machine, and then the authorization judgment of one transaction is performed by mutually independent and mutually cross-combined actions of the teller terminal, the authorization machine and the remote centralized authorization equipment.
In specific implementation, the authorization machine performs authorization determination in the following manner, for example, the authorization machine recognizes the certificate image by using an OCR recognition technology, performs authorization determination automatically on the transaction related information and the certificate image based on a preset authorization rule, and outputs an authorization result. Specifically, the specific content of the preset authorization rule is not specifically limited in the present application, and may be determined based on the existing authorization determination method and rule.
In specific implementation, in order to realize authorization determination by an authorization machine and avoid being affected by bandwidth resources, in this embodiment, the sending the transaction related information and the credential image to the authorization machine includes:
the teller terminal sends the transaction related information and the certificate image to a storage device for storage; the teller terminal sends an authorization request to the background, and after receiving the authorization request sent by the teller terminal, the teller terminal sends the authorization request to the authorization machine, and the authorization request triggers the authorization machine to acquire transaction related information and a certificate image from a storage device, so as to perform authorization judgment.
In a specific implementation, the authorization machine may be implemented by a program in a software form, or may be implemented by hardware.
In a specific implementation, the authorization determination performed by the teller terminal is not specifically limited in this application, and may be performed in a manner of receiving an authorization result input by the teller terminal in the prior art, or performed by the teller terminal automatically according to an algorithm or a determination rule.
When the transaction authorization is passed, the teller terminal directly judges that the transaction authorization is passed, and then carries out subsequent transaction processing; when the authorization result output by the teller terminal and the authorization result returned by the authorization machine are both authorization failures, directly judging that the transaction authorization fails and ending the transaction; and when the authorization result output by the teller terminal or the authorization result returned by the authorization machine is authorization failure (namely the authorization result output by one of the teller terminal and the authorization machine is authorization failure), the transaction related information and the certificate image are sent to a remote centralized authorization device for authorization judgment so as to further accurately judge authorization.
In specific implementation, in order to further improve the accuracy of authorization, in this embodiment, when the authorization result output by the teller terminal or the authorization result returned by the authorization machine is an authorization failure, the factor of the authorization failure is analyzed, for example, what is the reason of the authorization failure is analyzed, the information is incomplete, and the information does not meet the compliance requirement. Whether the information is inaccurate, etc.; and when the authorization failure factor does not belong to the preset failure factor, sending the transaction related information, the certificate image and the authorization failure factor to a remote centralized authorization device for authorization judgment.
When the analyzed authorization failure factor belongs to the preset failure factor, the authorization judgment can be carried out without a remote centralized authorization device, the transaction authorization failure is directly judged, and the transaction is ended; and when the authorization failure factor does not belong to the preset failure factor, sending the transaction related information, the certificate image and the authorization failure factor to the remote centralized authorization equipment for authorization judgment. Specifically, when the remote centralized authorization device performs authorization judgment based on the transaction related information and the certificate image, the remote centralized authorization device can perform judgment in a targeted manner by referring to factors of authorization failure, and efficiency is improved on the premise of ensuring authorization accuracy.
In specific implementation, after the authorization judgment is performed by the remote centralized authorization device, whether the transaction authorization passes or not can be judged according to the authorization result returned by the remote centralized authorization device, for example, when the authorization result returned by the remote centralized authorization device is authorization passing, the transaction authorization can be directly judged to pass, otherwise, the transaction authorization failure can be judged, and the transaction is ended.
In specific implementation, the form of the authorization judgment performed by the remote centralized authorization device is not specifically limited in this application, and may be a manner of receiving an authorization result input by the teller in the prior art, or may be an automatic judgment performed by the remote centralized authorization device through an algorithm or a judgment rule.
In specific implementation, a process for implementing the counter transaction authorization method is shown in fig. 2, and the process includes the following steps:
s1: the method comprises the steps that after the teller machine is operated by a teller machine, transaction related information is input at the front end of the teller machine (namely the teller terminal), and after the transaction related information is approved, the transaction related information is submitted to a background core to obtain authorization point information, and then a certificate image is shot according to the authorization point information, an authorization request is submitted, and meanwhile, the front end of the teller machine outputs an authorization result;
s2: distributing the authorization request to an authorization machine for processing;
s3: the authorization machine can utilize an OCR technology to identify the image information of the certificate and automatically carry out authorization judgment on the transaction according to a preset authorization rule, meanwhile, the site of a website authorization post authorizes the transaction through the front end of the teller, the authorization machine and the front end of the teller are independent and do not influence each other, and meanwhile, the authorization judgment process is carried out;
s4: when the authorization result output by the teller terminal and the authorization result returned by the authorization machine are both authorized to pass, the transaction authorization is judged to pass; when the authorization result output by the teller terminal and the authorization result returned by the authorization machine are both authorization failures, the transaction authorization failure is judged; when the authorization result output by the teller terminal or the authorization result returned by the authorization machine is authorization failure, the transaction related information and the certificate image are sent to a remote centralized authorization device for authorization judgment;
s5: the authorization teller carries out authorization judgment on the transaction through the remote centralized authorization equipment according to the certificate image information and the authorization point information triggered by the transaction;
s6: when the authorization result returned by the remote centralized authorization equipment is authorization pass, judging that the transaction authorization passes, otherwise, judging that the transaction authorization fails;
s7: and returning the transaction authorization result to the teller, completing the authorization process and continuing the subsequent business operation.
In this embodiment, a computer device is provided, as shown in fig. 3, and includes a memory 302, a processor 304, and a computer program stored on the memory and executable on the processor, and the processor implements any of the above-mentioned counter transaction authorization methods when executing the computer program.
In particular, the computer device may be a computer terminal, a server or a similar computing device.
In this embodiment, a computer-readable storage medium is provided that stores a computer program that executes any of the above-described counter transaction authorization methods.
In particular, computer-readable storage media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer-readable storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable storage medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
Based on the same inventive concept, the embodiment of the present invention further provides a counter transaction authorization system, as described in the following embodiments. Because the principle of the counter transaction authorization system for solving the problems is similar to the counter transaction authorization method, the implementation of the counter transaction authorization system can refer to the implementation of the counter transaction authorization method, and repeated parts are not described again. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 4 is a block diagram of a counter transaction authorization system according to an embodiment of the present invention, and as shown in fig. 4, the system includes:
the teller terminal 402 is used for receiving the transaction related information, auditing the transaction related information, and acquiring a certificate image according to the authorization related information under the condition that the transaction related information is approved;
the teller terminal 402 is further configured to send the transaction-related information and the certificate image to an authorization machine 406;
an authorization judging module 404, configured to receive an authorization result output by the teller terminal 402 and an authorization result returned by the authorization machine 406; when the authorization result output by the teller terminal 402 and the authorization result returned by the authorization machine 406 are both authorized to pass, determining that the transaction authorization passes; when the authorization result output by the teller terminal 402 and the authorization result returned by the authorization machine 406 are both authorization failures, the transaction authorization failure is judged; when the authorization result output by the teller terminal 402 or the authorization result returned by the authorization machine 406 is an authorization failure, the transaction related information and the certificate image are sent to a remote centralized authorization device 408 for authorization judgment; and judging whether the transaction authorization passes according to an authorization result returned by the remote centralized authorization device 408.
In one embodiment, the authorization judging module is further configured to analyze an authorization failure factor when the authorization result output by the teller terminal or the authorization result returned by the authorization machine is an authorization failure; and when the authorization failure factor does not belong to the preset failure factor, sending the transaction related information, the certificate image and the authorization failure factor to a remote centralized authorization device for authorization judgment.
In an embodiment, the authorization determining module is further configured to determine that the transaction authorization passes when an authorization result returned by the remote centralized authorization device is authorization passing, and otherwise, determine that the transaction authorization fails.
In one embodiment, the authorization machine is configured to identify the credential image, perform authorization determination on the transaction related information and the credential image based on a preset authorization rule, and output an authorization result.
In one embodiment, the teller terminal comprises:
the data transmission module is used for sending the transaction related information and the certificate image to a storage device for storage and sending an authorization request;
the system further comprises:
and the request distribution module is used for receiving the authorization request and sending the authorization request to the authorization machine, wherein the authorization request triggers the authorization machine to acquire the transaction related information and the certificate image from the storage device.
The embodiment of the invention realizes the following technical effects: the teller terminal receives the transaction related information and audits the transaction related information, namely the transaction related information is audited while the transaction related information is acquired, and a subsequent authorization judgment process is performed after the audit is passed, so that the authorization result is prevented from being influenced due to the self defect of information such as error or non-compliance of the transaction related information, the authorization efficiency is prevented from being influenced due to the fact that the transaction related information is acquired by reworking, and the authorization efficiency is improved; in the authorization judging process, authorization results based on easily-related information and a certificate image are respectively and independently output by a teller terminal and an authorization machine, when the authorization results output by the teller terminal and the authorization machine are both authorized to pass, the transaction authorization is judged to pass at the moment, when the authorization results output by the teller terminal and the authorization machine are both authorized to fail, the transaction related information and the certificate image are sent to a remote centralized authorization device for authorization judgment when the authorization results output by the teller terminal or the authorization machine are both authorized to fail, and whether the transaction authorization passes or not is judged according to the authorization results returned by the remote centralized authorization device, so that the mode of judging the transaction authorization by mutually crossing and combining the teller terminal, the authorization machine and the remote centralized authorization device is realized, compared with the mode of judging the authorization by singly using one mode in the prior art, on the premise of not increasing human input and sacrificing efficiency, various risks caused by misoperation of authorization can be avoided or reduced, the accuracy of transaction authorization is improved, and user experience is improved.
It will be apparent to those skilled in the art that the modules or steps of the embodiments of the invention described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and alternatively, they may be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, and in some cases, the steps shown or described may be performed in an order different than that described herein, or they may be separately fabricated into individual integrated circuit modules, or multiple ones of them may be fabricated into a single integrated circuit module. Thus, embodiments of the invention are not limited to any specific combination of hardware and software.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes may be made to the embodiment of the present invention by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (12)
1. A counter transaction authorization method, comprising:
receiving the transaction related information through the teller terminal, auditing the transaction related information, and acquiring a certificate image according to the authorization related information under the condition that the transaction related information is approved;
sending the transaction related information and the certificate image to an authorization machine;
receiving an authorization result output by the teller terminal and an authorization result returned by the authorization machine;
when the authorization result output by the teller terminal and the authorization result returned by the authorization machine are both authorized to pass, judging that the transaction authorization passes; when the authorization result output by the teller terminal and the authorization result returned by the authorization machine are both authorization failures, judging that the transaction authorization fails; when the authorization result output by the teller terminal or the authorization result returned by the authorization machine is authorization failure, the transaction related information and the certificate image are sent to a remote centralized authorization device for authorization judgment;
and judging whether the transaction authorization passes according to an authorization result returned by the remote centralized authorization equipment.
2. The counter transaction authorization method of claim 1, wherein when the authorization result output by the teller terminal or the authorization result returned by the authorization machine is an authorization failure, the sending the transaction-related information and the credential image to a remote centralized authorization device for authorization determination comprises:
when the authorization result output by the teller terminal or the authorization result returned by the authorization machine is authorization failure, analyzing factors of the authorization failure;
and when the authorization failure factor does not belong to the preset failure factor, sending the transaction related information, the certificate image and the authorization failure factor to a remote centralized authorization device for authorization judgment.
3. A counter transaction authorization method according to claim 1, wherein determining whether a transaction authorization passes based on an authorization result returned by the remote centralized authorization device comprises:
and when the authorization result returned by the remote centralized authorization equipment is authorization pass, judging that the transaction authorization passes, otherwise, judging that the transaction authorization fails.
4. A counter transaction authorization method according to claim 1, further comprising:
and identifying the certificate image through the authorization machine, carrying out authorization judgment on the transaction related information and the certificate image based on a preset authorization rule, and outputting an authorization result.
5. A counter transaction authorisation method according to any of claims 1 to 4, in which sending the transaction related information and the voucher image to an authorisation machine comprises:
the teller terminal sends the transaction related information and the certificate image to a storage device for storage;
and receiving an authorization request sent by the teller terminal, sending the authorization request to the authorization machine, and triggering the authorization machine to acquire the transaction related information and the certificate image from the storage equipment by the authorization request.
6. A counter transaction authorization system, comprising:
the teller terminal is used for receiving the transaction related information, auditing the transaction related information and acquiring a certificate image according to the authorization related information under the condition that the transaction related information is approved;
the teller terminal is also used for sending the transaction related information and the certificate image to an authorization machine;
the authorization judging module is used for receiving an authorization result output by the teller terminal and an authorization result returned by the authorization machine; when the authorization result output by the teller terminal and the authorization result returned by the authorization machine are both authorized to pass, judging that the transaction authorization passes; when the authorization result output by the teller terminal and the authorization result returned by the authorization machine are both authorization failures, judging that the transaction authorization fails; when the authorization result output by the teller terminal or the authorization result returned by the authorization machine is authorization failure, the transaction related information and the certificate image are sent to a remote centralized authorization device for authorization judgment; and judging whether the transaction authorization passes according to an authorization result returned by the remote centralized authorization equipment.
7. The counter transaction authorization system of claim 6, wherein the authorization judgment module is further configured to analyze a factor of authorization failure when the authorization result output by the teller terminal or the authorization result returned by the authorization machine is authorization failure; and when the authorization failure factor does not belong to the preset failure factor, sending the transaction related information, the certificate image and the authorization failure factor to a remote centralized authorization device for authorization judgment.
8. A counter transaction authorization system according to claim 6, wherein the authorization determination module is further configured to determine that the transaction authorization passes when the authorization result returned by the remote centralized authorization device is authorization pass, and otherwise, determine that the transaction authorization fails.
9. The counter transaction authorization system according to claim 6, wherein the authorization machine is configured to identify the credential image, perform authorization determination on the transaction related information and the credential image based on a preset authorization rule, and output an authorization result.
10. A counter transaction authorisation system according to any of claims 6 to 9, in which the teller terminal comprises:
the data transmission module is used for sending the transaction related information and the certificate image to a storage device for storage and sending an authorization request;
the system further comprises:
and the request distribution module is used for receiving the authorization request and sending the authorization request to the authorization machine, wherein the authorization request triggers the authorization machine to acquire the transaction related information and the certificate image from the storage device.
11. A computer device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor, when executing the computer program, implements the counter transaction authorization method of any of claims 1 to 5.
12. A computer-readable storage medium storing a computer program for executing the counter transaction authorization method according to any one of claims 1 to 5.
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| CN113673998A (en) * | 2021-09-03 | 2021-11-19 | 中国银行股份有限公司 | Quality inspection method and device for bank authorized transaction, storage medium and electronic equipment |
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| CN113673998B (en) * | 2021-09-03 | 2024-01-02 | 中国银行股份有限公司 | Quality inspection method and device for bank authorized transaction, storage medium and electronic equipment |
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| CN111951017B (en) | 2023-08-22 |
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