CN102592369A - Method for self-service terminal access to financial transaction center - Google Patents
Method for self-service terminal access to financial transaction center Download PDFInfo
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- CN102592369A CN102592369A CN2012100105485A CN201210010548A CN102592369A CN 102592369 A CN102592369 A CN 102592369A CN 2012100105485 A CN2012100105485 A CN 2012100105485A CN 201210010548 A CN201210010548 A CN 201210010548A CN 102592369 A CN102592369 A CN 102592369A
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Abstract
The invention relates to a method for a self-service terminal access to a financial transaction center, which is characterized by the following steps: a) initializing a loading parameter configuration file and a hardware device; b) signing in; c) performing consumption in the steps of signing in, plugging in a card, inputting a passport, communicating and exchanging with a mainframe; d) automatically reversing; e) performing batch settlement of transaction and re-signing in; f) balance inquiring. The method for the self-service terminal access to the financial transaction center enables the self-service terminal conveniently to access the financial transaction center, facilitates users to use and operate and saves a large amount of costs.
Description
Technical field
The present invention relates to the method that a kind of self-aided terminal inserts financial transaction centre, be applied to the financial field, is to be used for a kind of method that self-aided terminal inserts financial transaction centre encapsulation hardware driving, parameter transaction.。
Background technology
Continuous development along with the self-aided terminal product; It has become many industries provide service for the client indispensable window; The service that the self-aided terminal product provides is also more and more diversified; And realize that on the self-aided terminal product financial transaction, financial transaction centre then are that the self-aided terminal product is had stricter requirement, comprise security, stability, confidentiality etc.
Existing self-aided terminal product has a variety of, is widely used in the financial industry field at present, but the service major part that provides only relates to and financial business such as withhold, transfer accounts, and other industry fields such as fewer application and store.
And,, and do not reach the requirement of access then owing to insert the strict demand of financial transaction centre at the self-aided terminal product that is applied in other industry fields such as store, can't realize the function of financial payment.
Summary of the invention
The object of the present invention is to provide a kind of self-aided terminal to insert the method for financial transaction centre, solved present self-aided terminal effectively and inserted problems such as financial center is not convenient.
The invention is characterized in: a kind of self-aided terminal inserts the method for financial transaction centre, it is characterized in that, carries out as follows:
A) initialization: initialization is meant that the configuration to financial external member loads, and opens hardware device; Comprise and be written into parameter configuration files, hardware component initialization step;
B) register: the self-aided terminal employing on-line mode of registering; Self-aided terminal send terminal number, trade company number in service centre; After the validity at checking trade company of service centre and terminal; Produce the terminal works key, extract the trade date and the time of transaction batch number, service centre, with these data down transmissions to self-aided terminal; Self-aided terminal just begins to carry out financial transaction after the success of registering, self-aided terminal is provided with the time of self-aided terminal according to the time of service centre's main frame in the response message of registering; In comprised to the transaction main frame step of registering;
C) consumption: consume and be meant holder's transaction with the card clearing when self-aided terminal is consumed, immediately be reflected on this holder's the account balance through the amount of consumption of ratifying; Consumption comprise in the flow process step of registering, plug-in card step, the step that inputs password, with the host communication transaction step;
D) automatically just dashing: to owing to overtime transaction of not receiving that reasons such as transaction response message or response message MAC verification failure fail to accomplish, self-aided terminal will produce dashing of former transaction and just conclude the business, and before next on-line transaction, send on automatic;
E) criticize clearing: batch settlement bargain is a transaction of accomplishing automatically, initiates by using timing automatic, and timing is configured by parameter, in case the time when time is up, the settlement function in the automatic calling interface of interface application is accomplished the clearing of day trade transaction flowing water; Comprise batch settlement bargain, register again;
F) inquiry into balance: the holder is in the transaction of the self-aided terminal inquiry account balance that holds, the result of inquiry be the available balance of account or/and the integration number, fund clearing is not participated in this transaction.
Advantage of the present invention: the present invention can make in the convenient access financial transaction centre of self-aided terminal, is user-friendly to and operates, and saves great amount of cost.
Description of drawings
Fig. 1 is an initialization flowchart of the present invention.
Fig. 2 is the present invention's process flow diagram of registering.
Fig. 3 consumes process flow diagram for the present invention.
Fig. 4 criticizes settlement process figure for the present invention.
Fig. 5 is an inquiry into balance process flow diagram of the present invention.
Embodiment
In conjunction with accompanying drawing 1 to accompanying drawing 5, the present invention is the method that a kind of self-aided terminal inserts financial transaction centre, carries out as follows:
A) initialization: initialization is meant that the configuration to financial external member loads, and opens hardware device; Comprise and be written into parameter configuration files, hardware component initialization step;
B) register: the self-aided terminal employing on-line mode of registering; Self-aided terminal send terminal number, trade company number in service centre; After the validity at checking trade company of service centre and terminal; Produce the terminal works key, extract the trade date and the time of transaction batch number, service centre, with these data down transmissions to self-aided terminal; Self-aided terminal just begins to carry out financial transaction after the success of registering, self-aided terminal is provided with the time of self-aided terminal according to the time of service centre's main frame in the response message of registering; In comprised to the transaction main frame step of registering;
C) consumption: consume and be meant holder's transaction with the card clearing when self-aided terminal is consumed, immediately be reflected on this holder's the account balance through the amount of consumption of ratifying; Consumption comprise in the flow process step of registering, plug-in card step, the step that inputs password, with the host communication transaction step;
D) automatically just dashing: to owing to overtime transaction of not receiving that reasons such as transaction response message or response message MAC verification failure fail to accomplish, self-aided terminal will produce dashing of former transaction and just conclude the business, and before next on-line transaction, send on automatic;
E) criticize clearing: batch settlement bargain is a transaction of accomplishing automatically, initiates by using timing automatic, and timing is configured by parameter, in case the time when time is up, the settlement function in the automatic calling interface of interface application is accomplished the clearing of day trade transaction flowing water; Comprise batch settlement bargain, register again;
F) inquiry into balance: the holder is in the transaction of the self-aided terminal inquiry account balance that holds, the result of inquiry be the available balance of account or/and the integration number, fund clearing is not participated in this transaction.
Practical implementation process: a) initialization
Initialization is meant that the configuration to financial external member loads, and opens hardware device.
Comprised two steps in the initialization flow process:
One, is written into parameter configuration files.Serial port setting, transaction host ip and the port setting, the time-out time that are written into each hardware component card reader, code keypad are provided with or the like;
Two, hardware component initialization step.Comprise the initialization of hardware such as card reader, code keypad.
In initialization procedure; The message event that interface application is subscribed to will constantly receive just in information processed; Accomplish until the initialization flow process,, will return corresponding error sign indicating number and wrong contents in real time if each step detects hardware fault or error message in initialized process.
B) register
The self-aided terminal employing on-line mode of registering.Self-aided terminal send terminal number, trade company number in service centre, after the validity at checking trade company of service centre and terminal, produce the terminal works key, extract the trade date and the time of conclude the business batch number, service centre, with these data down transmissions to self-aided terminal.Self-aided terminal just begins to carry out financial transaction after the success of registering.Self-aided terminal is provided with the time of self-aided terminal according to the time of service centre's main frame in the response message of registering.
Comprised in the flow process of registering to the transaction main frame step of registering.
In the process of registering, the message event that interface application is subscribed to just will constantly receive in information processed, until completion, if in the process of registering, register failure or error message will be returned the corresponding error sign indicating number in real time.
Application layer can continue to do consumer sale flow process or other flow processs according to the successful information of returning, and then shows corresponding error message if return error code, and whether decision registers or out of service again.
C) consumption
Consumption is meant holder's transaction with the card clearing when self-aided terminal is consumed, and immediately is reflected on this holder's the account balance through the amount of consumption of ratifying.
Password (card of no password can directly be pressed the acknowledgement key of code keypad) must swiped the card and input to consumer sale.
Support transaction just dashing automatically, just dash immediately and next record transaction preshoot two kinds of patterns just that towards positive number of times acquiescence 3 times, above parameter all can be controlled by configuration file towards the holotype support.
After the trading password input error, dynamic base returns to interface application with error message, explains comprising error code and error code Chinese, judges business processing by interface application.
Consume when Sorry, your ticket has not enough value, dynamic base returns to interface application with error message, wherein need comprise the explanation of error code and error code Chinese, judges business processing by interface application.
When consumption makes a mistake, comprise equipment failure, card centring system fault, the credit card issuer system failure etc., dynamic base returns to interface application with error message, wherein need comprise the explanation of error code and error code Chinese, judges business processing by interface application.
Transaction cancellation function need be provided in the operation interface, and the dynamic base cancellation information of will concluding the business returns to interface application, and this function is used for cancelling this transaction midway to the client.
Comprised a plurality of steps in the consumption flow process:
The step of registering;
The plug-in card step;
Step inputs password;
With the host communication transaction step;
Interface application when calling the consumption interface, needs the consumption amount of money of first specified request parameter in process of consumption.
In process of consumption, the message event of subscription just will constantly be returned in information processed, accomplish until flow process, if in the process of consumption, register, Card Reader, input password or error message will return the corresponding error sign indicating number in real time.
The step of registering will be carried out communication with the transaction main frame, and downloaded new working key etc.
User's plug-in card step, interface application prompting user carries out the diagram of plug-in card, waits for that user's plug-in card time-out time is configurable, and default configuration is 30 seconds.If the user does not have plug-in card at the appointed time, will return.
The user inputs the password step, and the user when pressing code keypad at every turn, and dynamic base is returned the information of user's operator password keyboard and given interface application.
With the host communication step, get into and transaction host communication step, this step time-out time default configuration is 60 seconds.This Step Information incident rreturn value has Transaction Success, Fail Transaction or concludes the business overtimely, and the returning part transaction content is given application layer.
D) just dashing automatically
To owing to overtime transaction of not receiving that reasons such as transaction response message or response message MAC verification failure fail to accomplish, self-aided terminal will produce dashing of former transaction and just conclude the business, and before next on-line transaction, send on automatic.
Can not receive like self-aided terminal and to reply,, just reply, promptly no longer retransmit, proceed down transaction as still not receiving to dash with the number of times that continues to retransmit the message retransmission number of times defined of having set on the terminal.Dash just no matter success or not, the self-aided terminal printing list certificate of just concluding the business that no longer liquidates.
Inquiry into balance does not produce is just dashing.
Automatically dash and just keep same serial number with original transaction.
Automatically dash over against original transaction and carry out fully just dashing.
After self-aided terminal receives that dashing of service centre just replied,, think then and dash positive success that self-aided terminal send to dash on no longer and just asks if answer back code is " 00 ", " 25 " and " 12 "; Otherwise think towards just unsuccessful, send to dash on self-aided terminal continues and just ask, till the repeating transmission number of times of regulation.
Automatically dash and just accomplish automatically, need not interface application call by dynamic base.
E) criticize clearing
Criticizing settlement bargain is a transaction of accomplishing automatically, initiates by using timing automatic, and timing is configured by parameter, in case the time is when time is up, and the clearing of the settlement function completion day trade transaction flowing water in the automatic calling interface of interface application.
Criticize settlement process and comprised a plurality of steps:
One, criticizes settlement bargain
Two, register again
In batch settlement process; The message event that interface application is subscribed to will constantly be returned just in information processed; Accomplish until batch settlement process, if batch clearing failure is arranged in batch process of clearing, register failure or error message will be returned the corresponding error sign indicating number in real time again.
Terminal and terminal center are criticized batch clearing reconciliation response message that clearing reconciliation injustice or terminal center return when makeing mistakes, and dynamic base writes down the end center of making arrangements for his funeral with current batch Successful Transaction.
Reconciliation is flat or accounting checking is uneven and accomplish pull on send after, the terminal dynamic base empties transaction record, batch number adds 1, forms new batch number.
Interface application can get into other flow processs according to the successful information of returning, and then shows corresponding error message if return error code, and whether decision criticizes clearing or out of service again.
F) inquiry into balance
The holder is in the transaction of the self-aided terminal inquiry account balance that holds.The result of inquiry is that the available balance of account is or/and the integration number.Fund clearing is not participated in this transaction.
Must swipe the card and input password (card of no password can directly be pressed the acknowledgement key of code keypad) during inquiry.
The flow process that queries the balance is basic identical with the consumption flow process.
The above is merely preferred embodiment of the present invention, and all equalizations of doing according to claim of the present invention change and modify, and all should belong to covering scope of the present invention.
Claims (3)
1. the method for a self-aided terminal access financial transaction centre is characterized in that, carries out as follows:
: initialization is meant that the configuration to financial external member loads, and opens hardware device; Comprise and be written into parameter configuration files, hardware component initialization step;
: the self-aided terminal employing on-line mode of registering; Self-aided terminal send terminal number, trade company number in service centre; After the validity at checking trade company of service centre and terminal; Produce the terminal works key, extract the trade date and the time of transaction batch number, service centre, with these data down transmissions to self-aided terminal; Self-aided terminal just begins to carry out financial transaction after the success of registering, self-aided terminal is provided with the time of self-aided terminal according to the time of service centre's main frame in the response message of registering; In comprised to the transaction main frame step of registering;
: consumption is meant holder's transaction with the card clearing when self-aided terminal is consumed, and the amount of consumption of warp approval immediately is reflected on this holder's the account balance; Consumption comprise in the flow process step of registering, plug-in card step, the step that inputs password, with the host communication transaction step;
: to owing to overtime transaction of not receiving that reasons such as transaction response message or response message MAC verification failure fail to accomplish, self-aided terminal will produce dashing of former transaction and just conclude the business, and before next on-line transaction, send on automatic;
E) criticize clearing: batch settlement bargain is a transaction of accomplishing automatically, initiates by using timing automatic, and timing is configured by parameter, in case the time when time is up, the settlement function in the automatic calling interface of interface application is accomplished the clearing of day trade transaction flowing water; Comprise batch settlement bargain, register again;
F) inquiry into balance: the holder is in the transaction of the self-aided terminal inquiry account balance that holds, the result of inquiry be the available balance of account or/and the integration number, fund clearing is not participated in this transaction.
2. insert the method for financial transaction centre according to the described self-aided terminal of right 1, it is characterized in that: serial port setting, transaction host ip and port setting, the time-out time that parameter configuration files refers to be written into each hardware component card reader, code keypad that be written among the said step a is provided with or the like; Described hardware component initialization step comprises the initialization of card reader, code keypad hardware.
3. insert the method for financial transaction centre according to right 1 described self-aided terminal, it is characterized in that: among the said step c,
The step of registering will be carried out communication with the transaction main frame, and downloaded new working key;
The plug-in card step, interface application prompting user carries out the diagram of plug-in card, waits for that user's plug-in card time-out time is configurable, and default configuration is 30 seconds;
If the user does not have plug-in card at the appointed time, will return;
Input password step, the user when pressing code keypad at every turn, and dynamic base is returned the information of user's operator password keyboard and is given interface application;
With the host communication step, get into and transaction host communication step, this step time-out time default configuration is 60 seconds;
This Step Information incident rreturn value has Transaction Success, Fail Transaction or concludes the business overtimely, and the returning part transaction content is given application layer.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2012100105485A CN102592369A (en) | 2012-01-14 | 2012-01-14 | Method for self-service terminal access to financial transaction center |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2012100105485A CN102592369A (en) | 2012-01-14 | 2012-01-14 | Method for self-service terminal access to financial transaction center |
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| CN102592369A true CN102592369A (en) | 2012-07-18 |
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| CN2012100105485A Pending CN102592369A (en) | 2012-01-14 | 2012-01-14 | Method for self-service terminal access to financial transaction center |
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Cited By (3)
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| CN102831735A (en) * | 2012-07-25 | 2012-12-19 | 北京数码视讯软件技术发展有限公司 | On-air credit-for-load control device, control method and on-air credit-for-load system and user terminal |
| CN103729940A (en) * | 2013-03-15 | 2014-04-16 | 福建联迪商用设备有限公司 | Method and system for safe downloading of TMK |
| CN103870963A (en) * | 2012-12-14 | 2014-06-18 | 北京新大陆联众数码科技有限责任公司 | Commercial tenant self-service apparatus and method |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102831735A (en) * | 2012-07-25 | 2012-12-19 | 北京数码视讯软件技术发展有限公司 | On-air credit-for-load control device, control method and on-air credit-for-load system and user terminal |
| CN102831735B (en) * | 2012-07-25 | 2015-06-17 | 北京数码视讯软件技术发展有限公司 | On-air credit-for-load control device, control method and on-air credit-for-load system and user terminal |
| CN103870963A (en) * | 2012-12-14 | 2014-06-18 | 北京新大陆联众数码科技有限责任公司 | Commercial tenant self-service apparatus and method |
| CN103729940A (en) * | 2013-03-15 | 2014-04-16 | 福建联迪商用设备有限公司 | Method and system for safe downloading of TMK |
| CN103729940B (en) * | 2013-03-15 | 2016-06-15 | 福建联迪商用设备有限公司 | A kind of main cipher key T MK method for safely downloading of terminal and system |
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Application publication date: 20120718 |