CN111951017B - 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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- CN111951017B CN111951017B CN202010823781.XA CN202010823781A CN111951017B CN 111951017 B CN111951017 B CN 111951017B CN 202010823781 A CN202010823781 A CN 202010823781A CN 111951017 B CN111951017 B CN 111951017B
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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Abstract
The embodiment of the application provides a counter transaction authorization method, a counter transaction authorization system, computer equipment and a readable storage medium, wherein the method comprises the following steps: receiving transaction related information through a teller terminal, and acquiring a credential image according to the authorization related information under the condition that the transaction related information is approved; transmitting the transaction related information and the voucher image to an authorizing machine; receiving authorization results output by the teller terminal and the authorization machine; when the authorization results output by the teller terminal and the authorization machine are authorization passing, judging that the transaction authorization passes; when the authorization results returned by the teller terminal and the authorization machine are authorization failures, judging that the transaction authorization fails; when the authorization result returned by the teller terminal or the authorization machine is authorization failure, the transaction related information and the credential image are sent to the remote centralized authorization equipment for authorization judgment; and judging whether the transaction authorization passes or not 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 present application relates to the field of transaction processing technologies, and in particular, to a counter transaction authorization method, a counter transaction authorization system, a counter transaction authorization computer device, and a readable storage medium.
Background
In order to prevent operation risks in the operation process of teller agent, large commercial banks often set different authorization points, and operation compliance is ensured by approving a teller to conduct a service authorization mode. The current commercial bank authorization mode mainly comprises two types of local authorization and remote centralized approval authorization. The local authorization verifies the transaction to continue to be authorized through the website authorization post, and the remote centralized approval authorization is to centralize the transaction authorization request of each website to the authorization center, and the professional authorization teller of the authorization center performs approval processing. The local authorization has the internal control risk that the website authorizes the collusion of the teller and the manager; the remote centralized authorization center authorizes a teller to authorize the accuracy and compliance of a service through a credential image, so that site transaction information and background of a website cannot be completely mastered, and a certain degree of misoperation risk can be brought by manual subjective judgment.
Disclosure of Invention
The embodiment of the application provides a counter exchange authorization method, which aims to solve the technical problem of low accuracy of counter exchange authorization in the prior art. The method comprises the following steps:
receiving transaction related information through a teller terminal, checking the transaction related information, and acquiring a credential image according to the authorization related information under the condition that the transaction related information passes the checking;
transmitting the transaction related information and the credential image to an authorizing 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 authorization passing, 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 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 credential image are sent to a remote centralized authorization device for authorization judgment;
and judging whether the transaction authorization passes or not according to the authorization result returned by the remote centralized authorization equipment.
The embodiment of the application also provides a counter exchange authorization system, which is used for solving the technical problem of low accuracy of counter exchange authorization in the prior art. The system comprises:
the teller terminal is used for receiving the transaction related information and auditing the transaction related information, and acquiring a credential image according to the authorization related information under the condition that the transaction related information is audited;
the teller terminal is further 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 authorization passing, 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 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 credential image are sent to a remote centralized authorization device for authorization judgment; and judging whether the transaction authorization passes or not according to the authorization result returned by the remote centralized authorization equipment.
The embodiment of the application also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes any counter exchange authorization method when executing the computer program so as to solve the technical problem of low accuracy in counter exchange authorization in the prior art.
The embodiment of the application also provides a computer readable storage medium which stores a computer program for executing any of the counter exchange authorization methods, so as to solve the technical problem of low accuracy of the counter exchange authorization in the prior art.
In the embodiment of the application, the teller terminal is provided to receive the transaction related information and audit the transaction related information, namely, audit the transaction related information while acquiring the transaction related information, and then carry out the subsequent authorization judgment process after the transaction related information passes the audit, so that the defects of the information such as error or unsatisfactory information and the like of the transaction related information are avoided, the authorization result is influenced, 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 judgment process, authorization results based on easily-related information and credential images are respectively and independently output through a teller terminal and an authorization machine, when the authorization results output by the teller terminal and the authorization machine are authorization passes, transaction authorization is judged to pass at the moment, when the authorization results output by the teller terminal and the authorization machine are authorization failures, transaction authorization failures are judged at the moment, when the authorization results output by the teller terminal or the authorization machine are authorization failures, transaction related information and credential images are sent to a remote centralized authorization device for authorization judgment, and whether 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 transaction authorization by mutually crossing and mutually combining the teller terminal, the authorization machine and the remote centralized authorization device is realized.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this specification, illustrate and together with the description serve to explain the application. In the drawings:
FIG. 1 is a flow chart of a method for authorizing a counter transaction according to an embodiment of the present application;
FIG. 2 is a flowchart of a method for implementing the foregoing counter transaction authorization according to an embodiment of the present application;
FIG. 3 is a block diagram of a computer device according to an embodiment of the present application;
fig. 4 is a block diagram of a counter transaction authorization system according to an embodiment of the present application.
Detailed Description
The present application will be described in further detail with reference to the following embodiments and the accompanying drawings, in order to make the objects, technical solutions and advantages of the present application more apparent. The exemplary embodiments of the present application and the descriptions thereof are used herein to explain the present application, but are not intended to limit the application.
In an embodiment of the present application, a method for authorizing a counter exchange is provided, as shown in fig. 1, where the method includes:
step 102: receiving transaction related information through a teller terminal, checking the transaction related information, and acquiring a credential image according to the authorization related information under the condition that the transaction related information passes the checking;
step 104: transmitting the transaction related information and the credential image to an authorizing 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 authorization passing, 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 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 credential image are sent to a remote centralized authorization device for authorization judgment;
step 110: and judging whether the transaction authorization passes or not according to the 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 application, it is proposed that the teller terminal receives the transaction related information and examines the transaction related information, that is, the transaction related information is examined while the transaction related information is acquired, and then a subsequent authorization judgment process is performed after the transaction related information passes the examination, so that the authorization result is prevented from being affected due to the defect of the information such as error or unsatisfactory information, and the authorization efficiency is prevented from being affected due to reworking to acquire the transaction related information, thereby being beneficial to improving the authorization efficiency; in the authorization judgment process, authorization results based on easily-related information and credential images are respectively and independently output through a teller terminal and an authorization machine, when the authorization results output by the teller terminal and the authorization machine are authorization passing, transaction authorization passing is judged at the moment, when the authorization results output by the teller terminal and the authorization machine are authorization failure, transaction authorization failure is judged at the moment, when the authorization results output by the teller terminal or the authorization machine are authorization failure, transaction related information and credential images are sent to a remote centralized authorization device for authorization judgment, and whether transaction authorization passes or not is judged according to the authorization results returned by the remote centralized authorization device, so that a mode of judging transaction authorization for one transaction is realized.
In particular, in order to further improve accuracy of transaction authorization and avoid influence on authorization results due to defects of information such as mistakes or unsatisfied transaction related information, the counter transaction authorization method proposes that during the process of receiving the transaction related information by a teller terminal, the transaction related information is audited, for example, during the process of collecting the transaction related information, the transaction related information is synchronously obtained from public security department, personnel, business system, and in-line background system according to client information to audit the client identity, when a certain information is wrong, collection of the transaction related information is automatically terminated, authorization process is ended, and reasons or information for ending authorization are prompted to be wrong, and after the transaction related information is audited, a subsequent authorization judgment process is performed.
In particular, in order to provide accuracy of transaction authorization, the embodiment of the application provides that authorization judgment is performed through an authorization machine, so that the teller terminal and the authorization machine are mutually independent, synchronously perform authorization judgment based on transaction related information and credential images, further judge whether transaction authorization passes or whether authorization judgment of remote centralized authorization equipment is required or not based on authorization results of the teller terminal and the authorization machine, and further realize that the teller terminal, the authorization machine and the remote centralized authorization equipment are mutually independent and mutually cross-combined to perform authorization judgment of one transaction.
In specific implementation, the authorization machine performs authorization judgment, for example, the authorization machine recognizes the credential image by adopting an OCR recognition technology, automatically performs authorization judgment on the transaction related information and the credential 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 application, and can be determined based on the existing authorization judgment method and rule.
In order to realize that the authorization judgment is performed by the authorization machine and is not affected by the bandwidth resource, in this embodiment, the transmitting 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 credential images from the storage device so as to perform authorization judgment.
In specific implementation, the authorization machine may be implemented by a program in a software form or may be implemented by hardware.
In specific implementation, the mode of the teller terminal for performing authorization judgment is not particularly limited, and the teller terminal can be used for receiving the teller input authorization result in the prior art or automatically judging through an algorithm or a judgment rule.
When the authorization result output by the teller terminal and the authorization result returned by the authorization machine are both authorization passing, the transaction authorization passing is directly judged, and further the subsequent transaction processing is performed; when the authorization result output by the teller terminal and the authorization result returned by the authorization machine are authorization failures, directly judging that the transaction authorization fails and ending the transaction; 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 credential image are sent to a remote centralized authorization device for authorization judgment so as to further accurately judge the authorization.
In particular, 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 authorization failure, a factor of authorization failure is analyzed, for example, what is why the authorization failure is due, is that the information is incomplete, and is that the information does not meet the compliance requirement. Whether the information is inaccurate, etc.; and when the factors of the authorization failure do not belong to the preset failure factors, transmitting the transaction related information, the credential image and the factors of the authorization failure to a remote centralized authorization device for authorization judgment.
In specific implementation, the preset failure factor may be information self defect such as incomplete information, when the analyzed authorization failure factor belongs to the preset failure factor, authorization judgment can be directly judged that the transaction authorization fails without remote centralized authorization equipment, and the transaction is ended; when the factors of the authorization failure do not belong to the preset failure factors, the transaction related information, the certificate image and the factors of the authorization failure are sent 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 credential image, the remote centralized authorization device can refer to the factors of authorization failure to perform targeted judgment, and the efficiency is improved on the premise of ensuring the authorization accuracy.
When the method is implemented, after the remote centralized authorization equipment carries out authorization judgment, whether the transaction authorization passes or not can be judged according to the authorization result returned by the remote centralized authorization equipment, for example, when the authorization result returned by the remote centralized authorization equipment is authorization, 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 by the remote centralized authorization device is not particularly limited, and the method can be a mode of receiving the authorization result input by the teller in the prior art, or can be an automatic judgment by the remote centralized authorization device through an algorithm or a judgment rule.
In specific implementation, the process of implementing the above-mentioned counter exchange authorization method is shown in fig. 2, and the process includes the following steps:
s1: inputting transaction related information at the front end of the teller (namely the teller terminal) through the teller operation, submitting the transaction related information to a background core to acquire authorization point information after the transaction related information passes the auditing, further shooting a credential image according to the authorization point information, submitting an authorization request, and outputting an authorization result at the front end of the teller;
s2: distributing the authorization request to an authorization machine for processing;
s3: the authorization machine can recognize the credential image information by utilizing the OCR technology, automatically conduct authorization judgment on the transaction according to a preset authorization rule, authorize the transaction through the front end of the teller on the site of the website authorization post, and conduct authorization judgment process simultaneously when the authorization machine and the front end of the teller are independent and do not affect each other;
s4: when the authorization result output by the teller terminal and the authorization result returned by the authorization machine are both authorization passing, 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 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 credential image are sent to a remote centralized authorization device for authorization judgment;
s5: the authorization teller performs authorization judgment on the transaction according to the credential image information and the authorization point information triggered by the transaction through the remote centralized authorization equipment;
s6: when the authorization result returned by the remote centralized authorization equipment is authorization passing, judging that the transaction authorization passes, otherwise, judging that the transaction authorization fails;
s7: and returning the transaction authorization result to the office clerk, completing the authorization flow, and continuing the subsequent business operation.
In this embodiment, a computer device is provided, as shown in fig. 3, including a memory 302, a processor 304, and a computer program stored on the memory and executable on the processor, where the processor implements any of the foregoing methods of counter exchange authorization when executing the computer program.
In particular, the computer device may be a computer terminal, a server or similar computing means.
In this embodiment, a computer-readable storage medium storing a computer program for executing any of the above-described counter transaction authorization methods is provided.
In particular, computer-readable storage media, including both permanent and non-permanent, removable and non-removable media, may be used to 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 Disks (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable storage media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.
Based on the same inventive concept, the embodiment of the application also provides a counter exchange authorization system, as described in the following embodiment. Because the principle of the counter exchange authorization system for solving the problem is similar to that of the counter exchange authorization method, the implementation of the counter exchange authorization system can be referred to the implementation of the counter exchange authorization method, and the repetition is not repeated. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements the intended function. While the means described in the following embodiments are preferably implemented in software, 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 application, as shown in fig. 4, the system including:
the teller terminal 402 is configured to receive the transaction related information, audit the transaction related information, and obtain a credential image according to the authorization related information if the transaction related information is audited;
the teller terminal 402 is further configured to send the transaction-related information and the credential image to an authorization machine 406;
an authorization judgment 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 authorization passing, judging 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, judging that the transaction authorization fails; when the authorization result output by the teller terminal 402 or the authorization result returned by the authorization machine 406 is that the authorization fails, the transaction related information and the credential image are sent to a remote centralized authorization device 408 for authorization judgment; and judging whether the transaction authorization is passed or not according to the authorization result returned by the remote centralized authorization device 408.
In one embodiment, the authorization judging 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 factors of the authorization failure do not belong to the preset failure factors, transmitting the transaction related information, the credential image and the factors of the authorization failure to a remote centralized authorization device for authorization judgment.
In one embodiment, the authorization determining module is further configured to determine that the transaction authorization passes when the authorization result returned by the remote centralized authorization device is authorization passing, and if not, determine that the transaction authorization fails.
In one embodiment, the authorization machine is configured to identify the credential image, perform authorization judgment 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 the storage equipment for storage and sending an authorization request;
the system further comprises:
the request distribution module is used for receiving the authorization request and sending the authorization request to the authorization machine, and the authorization request triggers the authorization machine to acquire the transaction related information and the credential image from the storage device.
The embodiment of the application realizes the following technical effects: the method comprises the steps of receiving transaction related information through a teller terminal, and auditing the transaction related information, namely, auditing the transaction related information while acquiring the transaction related information, and carrying out a subsequent authorization judgment process after the transaction related information passes the audit, so that the defect of information self caused by error or unsatisfactory information and the like of the transaction related information is avoided, the authorization result is influenced, the influence on the authorization efficiency caused by reworking to acquire the transaction related information is avoided, and the authorization efficiency is further improved; in the authorization judgment process, authorization results based on easily-related information and credential images are respectively and independently output through a teller terminal and an authorization machine, when the authorization results output by the teller terminal and the authorization machine are authorization passes, transaction authorization is judged to pass at the moment, when the authorization results output by the teller terminal and the authorization machine are authorization failures, transaction authorization failures are judged at the moment, when the authorization results output by the teller terminal or the authorization machine are authorization failures, transaction related information and credential images are sent to a remote centralized authorization device for authorization judgment, and whether 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 transaction authorization by mutually crossing and mutually combining the teller terminal, the authorization machine and the remote centralized authorization device is realized.
It will be apparent to those skilled in the art that the modules or steps of the embodiments of the application described above may be implemented in a general purpose computing device, they may be concentrated on a single computing device, or distributed across a network of computing devices, they may alternatively be implemented in program code executable by computing devices, so that they may be stored in a storage device for execution by computing devices, and in some cases, the steps shown or described may be performed in a different order than what is shown or described, or they may be separately fabricated into individual integrated circuit modules, or a plurality of modules or steps in them may be fabricated into a single integrated circuit module. Thus, embodiments of the application are not limited to any specific combination of hardware and software.
The above description is only of the preferred embodiments of the present application and is not intended to limit the present application, and various modifications and variations can be made to the embodiments of the present application by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the protection scope of the present application.
Claims (8)
1. A method for counter transaction authorization, comprising:
receiving transaction related information through a teller terminal, checking the transaction related information, and acquiring a credential image according to the authorization related information under the condition that the transaction related information passes the checking;
transmitting the transaction related information and the credential image to an authorizing 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 authorization passing, 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 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 credential image are sent to a remote centralized authorization device for authorization judgment;
judging whether the transaction authorization passes or not according to an authorization result returned by the remote centralized authorization equipment;
transmitting the transaction-related information and the credential image to an authorizing machine, comprising:
the teller terminal sends the transaction related information and the certificate image to a storage device for storage;
receiving an authorization request sent by the teller terminal, 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 credential image from the storage equipment;
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 credential image are sent to a remote centralized authorization device for authorization judgment, which comprises the following steps:
when the authorization result output by the teller terminal or the authorization result returned by the authorization machine is authorization failure, analyzing factors of authorization failure;
and when the factors of the authorization failure do not belong to the preset failure factors, transmitting the transaction related information, the credential image and the factors of the authorization failure to a remote centralized authorization device for authorization judgment.
2. The counter transaction authorization method according to claim 1, wherein determining whether the transaction authorization passes according to the authorization result returned by the remote centralized authorization device comprises:
and when the authorization result returned by the remote centralized authorization equipment is authorization passing, judging that the transaction authorization passes, otherwise, judging that the transaction authorization fails.
3. The method of counter transaction authorization according to claim 1, further comprising:
and identifying the credential image through the authorization machine, carrying out authorization judgment on the transaction related information and the credential image based on a preset authorization rule, and outputting an authorization result.
4. A counter transaction authorization system, comprising:
the teller terminal is used for receiving the transaction related information and auditing the transaction related information, and acquiring a credential image according to the authorization related information under the condition that the transaction related information is audited;
the teller terminal is further 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 authorization passing, 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 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 credential image are sent to a remote centralized authorization device for authorization judgment; judging whether the transaction authorization passes or not according to an authorization result returned by the remote centralized authorization equipment;
the teller terminal includes:
the data transmission module is used for sending the transaction related information and the certificate image to the storage equipment for storage and sending an authorization request;
the system further comprises:
the request distribution module is used for receiving the authorization request and sending the authorization request to the authorization machine, and the authorization request triggers the authorization machine to acquire the transaction related information and the credential image from the storage equipment;
the authorization judging module is further used for analyzing factors 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 factors of the authorization failure do not belong to the preset failure factors, transmitting the transaction related information, the credential image and the factors of the authorization failure to a remote centralized authorization device for authorization judgment.
5. The counter transaction authorization system according to claim 4, 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 passing, and if not, determine that the transaction authorization fails.
6. The counter transaction authorization system according to claim 4, wherein the authorization machine is configured to identify the document image, perform authorization judgment on the transaction-related information and the document image based on a preset authorization rule, and output an authorization result.
7. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the counter transaction authorization method of any of claims 1 to 3 when the computer program is executed.
8. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program for executing the counter exchange authorization method according to any one of claims 1 to 3.
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