CN103903131A - Method and system for achieving electronic transaction based on graphic code - Google Patents
Method and system for achieving electronic transaction based on graphic code Download PDFInfo
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- CN103903131A CN103903131A CN201410164755.5A CN201410164755A CN103903131A CN 103903131 A CN103903131 A CN 103903131A CN 201410164755 A CN201410164755 A CN 201410164755A CN 103903131 A CN103903131 A CN 103903131A
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- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/401—Transaction verification
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Abstract
The invention provides a method and system for achieving an electronic transaction based on a graphic code. The method comprises the steps that a user logs on an App application program account by means a mobile terminal and chooses 'graphic code electronic transaction', and then a graphic code is obtained and displayed on a screen of the mobile terminal; a transaction terminal device scans and decodes the graphic code through a graphic code scanning device, encrypts the information contained in the graphic code and sends the information to a bank server; the bank server decrypts the code, conducts transaction confirmation according to the information contained in the graphic code and sends the information relevant to the transaction to the App application program after confirmation succeeds. After a user clicks 'confirm', the App application program responds to the user account to indicate that authentication is completed and a certain bank card is selected on a bound bank card interface, the App application program encrypts the information of the bank card and the information contained in the graphic code and sends the information to the bank server, the bank server conducts decryption, and then the transaction is completed when the user inputs a correct password of the bank card on the transaction terminal device.
Description
Technical field
The present invention relates to electronic transaction field, relate in particular to a kind of method and system that realize electronic transaction based on graphic code.
Background technology
At present, when people need to deposit, transfer accounts, withdraw the money etc., general operation is to carry bank to snap on automatic teller machine and operate accordingly, but the situation that bank card loss occurs much occurs, and in this process, plug-in card card taking step is essential, sometimes may forget card taking, sometimes can, because of reader device fault, cannot conclude the business again, run into even sometimes after bank card insertion, the problem of can not getting out, such mode of doing business, operates more loaded down with trivial details, consuming time, and user experiences to be improved.
At present, E-Payment becomes the modes of payments of widespread use in daily life, common E-Payment is to pay on the line based on third party's payment platform, for example Taobao's shopping, Alipay payment etc., but still be mainly reflected in remote payment, and pay in the short range of point of sale, such as supermarket, market shopping etc., mainly or by brush bank card or cash pay, when people do shopping in point of sale for this reason, need to carry one's purse along or bank card, once and forget or lose, be difficult at point-of-sale purchasing commodity, especially in the time that the on-the-spot user that need to pay is more, make to pay in cash, the time of waiting in line to check will be increased greatly, greatly affect consumer's consumption satisfaction.And in the process paying at brush bank card, may be utilized by malicious user or businessman, thereby user's bank card account information is stolen, therefore dangerous in the extreme.
Self-service machine, recent years rise, for making user that the machine of Self-Service is provided, comprise automatic machine, automatic vending machine etc., but the modes of payments that user can use is very limited, mainly still pay by cash, and use bank card to pay, and there is larger potential safety hazard, safety practice can not put in place again.And while making to pay down, also need to prepare change, although there is the self-service machine with change making function, the cost that this again can corresponding increase self-service machine, and also it is more loaded down with trivial details, consuming time to operate.
Summary of the invention
In order to solve above problems of the prior art, the invention provides a kind of method and system that realize electronic transaction based on graphic code.When it can conclude the business on automatic teller machine, can be without carrying bank card, just can on automatic teller machine, carry out and be equal to the transaction operation that uses bank card to conclude the business, and overcome the many loaded down with trivial details problem that uses bank card to bring, improve user's experience.In the time paying by mails, also can, without carrying bank card or cash, just can realize the payment of required purchase commodity or service, more convenient, improve the efficiency of payment and user's consumption satisfaction, simultaneously safer.
In order to achieve the above object, the invention provides a kind of method that realizes electronic transaction based on graphic code, the method comprises the following steps:
When step 1, user conclude the business, transaction terminal device is opened graphic code scanister;
When the account of the App application program that step 2, described user login to its mobile terminal are installed selection " graphic code electronic transaction ", described App application program will obtain a graphic code, and show on described mobile terminal screen, described graphic code comprises this time identification string of transaction;
Step 3, described transaction terminal device utilize described graphic code scanister that described graphic code is scanned and decoded, and described transaction terminal device will be sent to bank server after the information encryption that after decoding, the described graphic code that obtains comprises;
After the deciphering of step 4, described bank server, obtain the information that described graphic code comprises, and the consistent identification string of described identification string that utilizes its data base querying whether to exist to comprise with described graphic code, perform step 5 if exist, otherwise execution step 6;
Step 5, the relevant information of this transaction is sent to described App application program by described bank server, described App application program is confirmed the content feed of described relevant information to described user's described account for user, in the time that described user selects to confirm the content of this relevant information, described App application program is the bank card interface that completes certification and binding to described account by response, described in the time that this user selects a certain bank card in this interface, App application program will extract the card number of this bank card from the data message of described bank card, and continue to perform step 7,
Step 6, described bank server notify to described transaction terminal device the result that it is invalid that this is concluded the business with ∕ or described App application program are closed the trade;
After the information encryption that step 7, described App application program comprise the card number of described bank card and described graphic code, be sent to described bank server;
After step 8, the deciphering of described bank server, obtain the card number of described bank card and the information that described graphic code comprises, and by this extremely described transaction terminal device of effective result notice of concluding the business, and described transaction terminal device will point out user to input the password of described bank card;
Step 9, on described transaction terminal device, input after described password as described user, described transaction terminal device will be sent to described bank server after the password encryption of this user's input;
Step 10, described bank server utilize bank card account information corresponding to bank card number described in its data base querying, and judge that whether the described password obtaining after deciphering is consistent with the bank card password in described bank card account information, if unanimously realize transaction, otherwise close the trade.
Wherein, described transaction terminal device comprises financial service terminal and electronic settling terminal, and is provided with described graphic code scanister, and
Described financial service terminal comprises ATM (automatic teller machine), automatic teller machine;
Described electronic settling terminal comprises POS machine, self-service machine and the mobile terminal of described App application program is installed equally.
Wherein, in described step 2, when the account of the App application program that described user's login to its mobile terminal is installed selection " graphic code electronic transaction ", described App application program will obtain a graphic code, specifically comprise:
Mode a, described App application program is asked for this time graphic code of transaction to described bank server, described bank server will generate this time unique identification string of transaction, and described identification string is encoded into graphic code, and described graphic code is sent to described App application program, described App application program will obtain this graphic code;
Or
Mode b, described App application program is asked for this time identification string of transaction to described bank server, described bank server will generate unique identification string of this time transaction and send to described App application program, described identification string is encoded into graphic code by described App application program, thereby obtain described graphic code.
Wherein, in described step 4, after the deciphering of described bank server, obtain the information that described graphic code comprises, and the consistent identification string of described identification string that utilizes its data base querying whether to exist to comprise with described graphic code, specifically comprise:
When described App application program is asked for this graphic code of concluding the business or this transaction ID string to described bank server, the described identification string generating is saved to its database by described bank server, in the time that described transaction terminal device sends to described bank server the information that described graphic code comprises, the consistent described identification string of described identification string whether described bank server utilizes its data base querying to exist to comprise with described graphic code, if exist this time transaction for effectively, if do not exist this time transaction for invalid.
Wherein, in described step 5, the relevant information of this transaction is sent to described App application program by described bank server, specifically comprises:
If described transaction terminal device is described financial service terminal, and when this time transaction is effective, described bank server will send to described App application program the information of " whether confirming to conclude the business on XXX automatic teller machine ", and described relevant information comprises this content;
If described transaction terminal device is described electronic settling terminal, and when this time transaction is effective, described bank server will be asked for this time consumption order of transaction to described transaction terminal device, described transaction terminal device will send to described bank server according to the commodity of described user's purchase or the described consumption order of service creation, and the described consumption order obtaining is sent to described App application program, the content that described relevant information comprises this consumption order by described bank server.
Wherein, in described step 5, in the time that described user selects to confirm the content of described relevant information, described App application program is the bank card interface that completes certification and binding to described account by response, also comprises before this:
Described user's login to the described account of described App application program completes the binding authentication to described bank card, and described account can be bound multiple bank cards.
Wherein, when described transaction terminal device is described electronic settling terminal, described step 8-10 also can be carried out by the following method:
Described bank server is in the time that deciphering obtains the card number of described bank card and information that described graphic code comprises afterwards, judge whether the amount of money that described consumption order need pay does not exceed a setting consumption amount of money value, if the result that described bank server completes this transaction notice is to described transaction terminal device, and described user is without can complete payment transaction by the password of inputting described bank card on described transaction terminal device; Described bank server notifies this effective result of concluding the business to described transaction terminal device if not, and completes payment transaction after described user inputs the password of correct described bank card on described transaction terminal device.
Wherein, described graphic code comprises bar code, Quick Response Code.
The present invention also provides a kind of system that realizes electronic transaction based on graphic code, and this system comprises:
Transaction terminal device, for sending to bank server the information that graphic code comprises, and receives this time effective or invalid result of transaction, and realizes transaction or close the trade according to described result;
Graphic code scanister, for the graphic code showing on mobile terminal screen is scanned, and decodes to it;
Mobile terminal, it,, for the hardware device of accessible network, comprises smart mobile phone, panel computer or personal digital assistant, for this time graphic code of transaction that shows that App application program obtains;
App application program, realize the operation of electronic transaction by network environment, manage for the bank card that user account and account has been completed to certification and binding, and receive graphic code of this time transaction that bank server sends or the identification string of transaction this time;
Bank server, belong to bank's internal server, have database, for generating this time unique identification string of transaction, and described identification string is sent to described App application program or is encoded into graphic code be sent to described App application program, and the information that the graphic code sending according to described transaction terminal device comprises carries out acknowledgment of your inquiry to this transaction, and Query Result is sent to described transaction terminal device with ∕ or described App application program;
Network, comprises internet or mobile Internet.
Wherein, described transaction terminal device comprises financial service terminal and electronic settling terminal, and is provided with described graphic code scanister, and
Described financial service terminal comprises ATM (automatic teller machine), automatic teller machine;
Described electronic settling terminal comprises POS machine, self-service machine and the mobile terminal of described App application program is installed equally.
The invention has the beneficial effects as follows: method provided by the invention has adapted to the development trend of " without card life ", makes internet finance and internet mobile payment more incorporate people's life.Can make people needn't carry bank card or cash by the present invention, just can realize transaction operation or purchase and consumption as using bank card, facilitate people to use the custom of bank card.By method and system of the present invention no matter be transaction terminal device of the present invention, or other people, businessman etc. all cannot be from getting user's accounts information and bank card account information for the transaction terminal device of concluding the business, avoid the malicious attack behavior of wooden horse software etc., ensured the safety of user account information and bank account capital, the situation that while more not worrying meeting picture brush bank card, information may be stolen, copy occurs.
Brief description of the drawings
Fig. 1 is the schematic flow sheet of realizing electronic trade method based on graphic code of the present invention.
Fig. 2 is the schematic flow sheet that user of the present invention completes bank card binding authentication method.
Fig. 3 is the principle schematic that realizes electronic trading system based on graphic code of the present invention.
Embodiment
Below in conjunction with drawings and Examples, the present invention will be further described, for convenience of explanation, only shows the part relevant to the embodiment of the present invention.But it will be appreciated by those skilled in the art that the specific embodiment that this place is described, only for explaining the present invention, not in order to limit the present invention.
As shown in Figure 1, the method that realizes electronic transaction based on graphic code of the present invention, the method comprises the following steps.
When step 1, user conclude the business, transaction terminal device is opened graphic code scanister.
It should be noted that, described transaction terminal device comprises financial service terminal and electronic settling terminal, and is provided with described graphic code scanister, and described financial service terminal comprises ATM (automatic teller machine), automatic teller machine; Described electronic settling terminal comprises POS machine, self-service machine (comprising that automatic machine, automatic vending machine etc. are a series of for the self-service machine of self-service commodity or service is provided) and the mobile terminal of App application program of the present invention is installed equally.
It should be noted that, described graphic code scanister, the present invention is to its shape, structure and how carry out any restriction of not doing such as associated with transaction terminal device.As long as its graphic code that can realize showing on mobile terminal screen scans, and it is decoded.And the realization of this function of decoding, also can be completed by graphic code scanister, but is completed by the application software or the module that are arranged on transaction terminal device.For example, when transaction terminal device is mobile terminal, the camera that graphic code scanister is now mobile terminal, and the realization of decoding function will be completed by the App application program being arranged in mobile terminal.
When the account of the App application program that step 2, described user login to its mobile terminal are installed selection " graphic code electronic transaction ", described App application program will obtain a graphic code, and show on described mobile terminal screen, described graphic code comprises this time identification string of transaction.
It should be noted that, described mobile terminal can be smart mobile phone, panel computer, personal digital assistant or other intelligent terminal, as long as it can show this time graphic code of transaction that App application program obtains, does not repeat them here.
It should be noted that, described graphic code comprises bar code, Quick Response Code.
It should be noted that, in described step 2, when the account of the App application program that described user's login to its mobile terminal is installed selection " graphic code electronic transaction ", described App application program will obtain a graphic code, specifically comprise:
Mode a, described App application program is asked for this time graphic code of transaction to described bank server, described bank server will generate this time unique identification string of transaction, and described identification string is encoded into graphic code, and described graphic code is sent to described App application program, described App application program will obtain this graphic code;
Or mode b, described App application program is asked for this time identification string of transaction to described bank server, described bank server will generate unique identification string of this time transaction and send to described App application program, described identification string is encoded into graphic code by described App application program, thereby obtain described graphic code.
It should be noted that, the coding techniques that the present invention adopts graphic code (comprising bar code, Quick Response Code) does not carry out any restriction, and all coding techniquess that can be used for data message to form graphic code in prior art are all applicable to the present invention.In actual use, can select according to actual needs suitable coding techniques, as the efficiency of coding, security, the accuracy of coding etc. of coding.
Step 3, described transaction terminal device utilize described graphic code scanister that described graphic code is scanned and decoded, and described transaction terminal device will be sent to bank server after the information encryption that after decoding, the described graphic code that obtains comprises.
After the deciphering of step 4, described bank server, obtain the information that described graphic code comprises, and the consistent identification string of described identification string that utilizes its data base querying whether to exist to comprise with described graphic code, perform step 5 if exist, otherwise execution step 6.
It should be noted that, in described step 4, after the deciphering of described bank server, obtain the information that described graphic code comprises, and the consistent identification string of described identification string that utilizes its data base querying whether to exist to comprise with described graphic code, specifically comprise:
When described App application program is asked for this graphic code of concluding the business or this transaction ID string to described bank server, the described identification string generating is saved to its database by described bank server, in the time that described transaction terminal device sends to described bank server the information that described graphic code comprises, the consistent described identification string of described identification string whether described bank server utilizes its data base querying to exist to comprise with described graphic code, if exist this time transaction for effectively, if do not exist this time transaction for invalid.
It should be noted that, described identification string can be one group by any character with ∕ or the numeral character string or the numeric string that form, and can only be in once concluding the business effectively, while again transaction, need to regenerate, and described identification string only retains 5 minutes on bank server, exceeding 5 minutes will cease to be in force automatically and delete, and has improved the security of customer transaction.And it should be noted that, in specific implementation process, the time that described identification string retains on bank server can rationally be set according to actual conditions, and the present invention is not restricted this.
Step 5, the relevant information of this transaction is sent to described App application program by described bank server, described App application program is confirmed the content feed of described relevant information to described user's described account for user, in the time that described user selects to confirm the content of this relevant information, described App application program is the bank card interface that completes certification and binding to described account by response, described in the time that this user selects a certain bank card in this interface, App application program will extract the card number of this bank card from the data message of described bank card, and continue to perform step 7.
It should be noted that, in described step 5, the relevant information of this transaction is sent to described App application program by described bank server, specifically comprises:
If described transaction terminal device is described financial service terminal, and when this time transaction is effective, described bank server will send to described App application program the information of " whether confirming to conclude the business on XXX automatic teller machine ", and described relevant information comprises this content;
If described transaction terminal device is described electronic settling terminal, and when this time transaction is effective, described bank server will be asked for this time consumption order of transaction to described transaction terminal device, by sending to described bank server, according to the described consumption order of the commodity of described user's purchase or service creation, (consumption order can comprise payment to described transaction terminal device, name of firm, the transaction data information of order serial number etc.), and the described consumption order obtaining is sent to described App application program by described bank server, the content that described relevant information comprises this consumption order.
It should be noted that, the data message of the bank card of App application program management at least comprises bank of deposit, bank card number, name in an account book and bank card type etc., these data messages are in the time that user completes the binding authentication of bank card, to offer App application program by bank server, and check and understand the essential information of binding authentication bank card for user.
It should be noted that, in one of them embodiment of the present invention, in the information that graphic code (particularly Quick Response Code) comprises, also can comprise the identification information of bank, for example in Quick Response Code, comprise the name identification information of " XXX bank ", for example there is again the modes such as the logo identification information of XXX bank in the centre of Quick Response Code, in the time of transaction terminal device scanning Quick Response Code, can distinguish fast like this true and false of Quick Response Code, and in the time that App application response to user account has completed the bank card interface of certification and binding, the bank card of this bank can be come to list front end, facilitate user to select fast.This is highly suitable for transaction terminal device is financial service terminal.And while being electronic settling terminal for transaction terminal device, can in Quick Response Code, comprising the name identification information of Unionpay, or there is the modes such as the logo identification information of Unionpay in the centre of Quick Response Code.This only just as a reference, in specific implementation process, can implement on demand, also can not implement.
Step 6, described bank server notify to described transaction terminal device the result that it is invalid that this is concluded the business with ∕ or described App application program are closed the trade.
After the information encryption that step 7, described App application program comprise the card number of described bank card and described graphic code, be sent to described bank server.
It should be noted that, the technology that App application program is encrypted these data messages can adopt 3DES encryption technology or rsa encryption technique, and it is also feasible certainly adopting other encryption technology, and the present invention is not restricted this.And the data that should be understood that All Activity information of the present invention transmission all can be passed through encryption.
It should be noted that, if bank server confirms this time transaction for effectively and the relevant information of this transaction is sent to after App application program, App application program can confirm that the information that the graphic code of this time transaction comprises is effectively, and the information that described graphic code is comprised is till App application program (comprising background server) has remained to transaction.App application program can be concluded the business this after bank card that user selects and the information encryption that comprises of graphic code and is sent to together bank server like this, the this time identification string of transaction comprising according to graphic code after bank server deciphering, determine it is which electronic transaction in bank server and database thereof, thereby what can orient safely, exactly execution is which electronic transaction operation.Select to cancel this electronic transaction and if the time that the information that described graphic code comprises retains in App application program (comprising background server) exceedes time or the user that banking data base retains, the information that this graphic code comprises is in App application program (comprising background server) will cease to be in force automatically equally He ∕ or deletion.
After step 8, the deciphering of described bank server, obtain the card number of described bank card and the information that described graphic code comprises, and by this extremely described transaction terminal device of effective result notice of concluding the business, and described transaction terminal device will point out user to input the password of described bank card.
Step 9, on described transaction terminal device, input after described password as described user, described transaction terminal device will be sent to described bank server after the password encryption of this user's input.
It should be noted that, user on transaction terminal device, inputs keyboard that bank card password can carry by transaction terminal device or code keypad input ， with ∕ or the touch screen touch point that has by transaction terminal device hit input.
Step 10, described bank server utilize bank card account information corresponding to bank card number described in its data base querying, and judge that whether the described password obtaining after deciphering is consistent with the bank card password in described bank card account information, if unanimously realize transaction, otherwise close the trade.
It should be noted that, bank card account information comprises the record data all about this bank card such as bank of deposit, bank card number, bank card password, account holder's identity information and contact method, account balance, bank card business dealing record.
It should be noted that, when described transaction terminal device is described electronic settling terminal, described step 8-10 also can be carried out by the following method:
Described bank server is in the time that deciphering obtains the card number of described bank card and information that described graphic code comprises afterwards, judge whether the amount of money that described consumption order need pay does not exceed a setting consumption amount of money value, if the result that described bank server completes this transaction notice is to described transaction terminal device, and described user is without can complete payment transaction by the password of inputting described bank card on described transaction terminal device; Described bank server notifies this effective result of concluding the business to described transaction terminal device if not, and completes payment transaction after described user inputs the password of correct described bank card on described transaction terminal device.
It should be noted that, described setting consumption amount of money value is system default one pays numerical value, and this payment numerical value is that user can exempt from close payment the same day and is the maximum dollar amount value of progressive payment.Certainly user can App application program interface is set in change this numerical value or Guan Bi ∕ and open small amount and exempt from close payment function, and this operation will synchronously be updated to bank server and database thereof, improve convenience when user's purchase and consumption pays.
By method of the present invention, can make people needn't carry bank card or cash, just can realize transaction operation or purchase and consumption as using bank card, facilitate people to use the custom of bank card.User only need utilize mobile phone, the mobile terminals such as panel computer are logined to the account of App application program management, select " graphic code electronic transaction ", just can obtain a graphic code and show on customer mobile terminal screen, after transaction terminal device utilizes graphic code scanister to scan described graphic code and decodes, after the information encryption that transaction terminal device comprises this graphic code, be sent to bank server, the confirmation that the information comprising by graphic code after bank server deciphering is concluded the business, and in the time confirming successfully, the relevant information of this transaction is sent to App application program, and when user confirms the content of this relevant information and completed at App application response to user account the bank card interface authenticating and bind to select after a certain bank card, after the information encryption that App application program comprises this bank card and graphic code, be sent to bank server, after bank server deciphering, obtain these data messages, and this effective result of concluding the business is notified to transaction terminal device, after inputting correct bank card password on transaction terminal device, user completes transaction.
Correspondingly, by method of the present invention, aspect security, obtained great guarantee.Than using bank card input password to increase the account of logining together App application program management, the operation that just can conclude the business, and can password setting input continuously several times after password mistake can not be inputting password in section sometime again, App application program of the present invention can be resolved again IP address, the login ground etc. of mobile terminal simultaneously, in the time occurring in the situation of other mobile terminal or different-place login user account, will carry out abnormality processing (this has been applied to QQ, Alipay etc.), thereby ensure the safety of user account information.And no matter be transaction terminal device of the present invention, or other people, businessman etc. all cannot be from getting user's accounts information and bank card account information for the transaction terminal device of concluding the business, avoid the malicious attack behavior of wooden horse software etc., ensured the safety of user account information and bank account capital, the situation that while more not worrying meeting picture brush bank card, information may be stolen, copy occurs.
It should be noted that, in one of them embodiment of the present invention, when transaction terminal device is financial service terminal, for avoiding user to submit after easy to operate and do not exit and leave automatic teller machine at automatic teller machine, again operated this transaction interface by other people, can take following measures to take precautions against: when user successfully logins to bank account, submit time easy to operate at automatic teller machine, if executing instruction operations again not within command operating basis upper 15 second on completing once, automatic teller machine will automatically exit this bank account and get back to first interface.
It should be noted that, in one of them embodiment of the present invention, when transaction terminal device is financial service terminal, for avoiding user to submit after easy to operate and do not exit and leave automatic teller machine at automatic teller machine, again operated this transaction interface by other people, can take following measures to take precautions against: this time identification string of transaction that graphic code comprises can only be carried out once transaction operation on automatic teller machine, can only withdraw the money, deposit, transfer accounts etc. in transaction operation and select one, after completing, can only operate " checking remaining sum ", the option such as " exit ", if withdrawn the money and need to again carry out, deposit, while the transaction operation such as transferring accounts, need to regenerate new graphic code and successfully login to bank account, the operation of could again concluding the business.
It should be noted that, above method and measure only just as a reference, in specific implementation process, can be selected to implement or in conjunction with implementing, also can implement by other method and measure on demand, and the present invention is not construed as limiting this.
It should be noted that, in described step 5, in the time that described user selects to confirm the content of described relevant information, described App application program is the bank card interface that completes certification and binding to described account by response, also comprise before this: described user's login to the described account of described App application program completes the binding authentication to described bank card, and described account can be bound multiple bank cards.The realization of this technology can utilize the quick method of opening that pays of bank card in prior art to be achieved, by specific embodiment, the method is further explained below, but only just explain, not in order to be limited to the method for this kind of binding authentication bank card.As shown in Figure 2, user completes the method to described bank card binding certification, and the method specifically comprises:
Step 21, user login card number, name in an account book and the phone number of inputting required binding authentication bank card to the account of App application program;
Step 22, App application program are sent to bank server after the bank card number of user's input, name in an account book and phone number are encrypted;
After step 23, bank server deciphering, obtain described bank card number, described name in an account book and described phone number;
Step 24, bank server utilize the bank card account information that this card number of its data base querying is corresponding and utilize the correctness of name in an account book and described phone number described in described bank card account validation of information, and will confirm that result notifies the application program to App;
Step 25, when confirming that result be successfully time, App application program will transmission mobile phone dynamic password to the mobile phone of described phone number;
Step 26, when user inputs after correct mobile phone dynamic password, complete the binding authentication to described bank card.
It should be noted that, in described step 10, if bank server determines the password of user input and the password of bank card when inconsistent, prompting user is re-entered to described password, if and user repeatedly inputs after password mistake, the transaction terminal device that notice is carried out this transaction by bank server is closed the trade, and described bank card is locked, and before this bank card release, can not conclude the business.This mode is concluded the business and is shared the number of times of input password with use bank card, no matter still use the mode of doing business of bank card all can only input by mode of doing business of the present invention, ensured the safety that user's bank card uses in the number of times of a setting input password.
As shown in Figure 3, the system that realizes electronic transaction based on graphic code of the present invention, this system comprises:
Transaction terminal device, for sending to bank server the information that graphic code comprises, and receives this time effective or invalid result of transaction, and realizes transaction or close the trade according to described result;
Graphic code scanister, for the graphic code showing on mobile terminal screen is scanned, and decodes to it;
Mobile terminal, it,, for the hardware device of accessible network, comprises smart mobile phone, panel computer or personal digital assistant, for this time graphic code of transaction that shows that App application program obtains;
App application program, realize the operation of electronic transaction by network environment, manage for the bank card that user account and account has been completed to certification and binding, and receive graphic code of this time transaction that bank server sends or the identification string of transaction this time;
Bank server, belong to bank's internal server, have database, for generating this time unique identification string of transaction, and described identification string is sent to described App application program or is encoded into graphic code be sent to described App application program, and the information that the graphic code sending according to described transaction terminal device comprises carries out acknowledgment of your inquiry to this transaction, and Query Result is sent to described transaction terminal device with ∕ or described App application program;
Network, comprises internet or mobile Internet.
It should be noted that, described transaction terminal device comprises financial service terminal and electronic settling terminal, and is provided with described graphic code scanister, and
Described financial service terminal comprises ATM (automatic teller machine), automatic teller machine;
Described electronic settling terminal comprises POS machine, self-service machine and the mobile terminal of described App application program is installed equally.
It should be noted that, described graphic code scanister, the present invention is to its shape, structure and how carry out any restriction of not doing such as associated with transaction terminal device.As long as its graphic code that can realize showing on mobile terminal screen scans, and it is decoded.And the realization of this function of decoding, also can be completed by graphic code scanister, but is completed by the application software or the module that are arranged on transaction terminal device.For example, when transaction terminal device is mobile terminal, the camera that graphic code scanister is now mobile terminal, and the realization of decoding function will be completed by the App application program being arranged in mobile terminal.
It should be noted that, described graphic code comprises bar code, Quick Response Code.
It should be noted that, the content of the data transmission of carrying out between App application program, transaction terminal device and bank server is all Transaction Information, and these trading information datas all can pass through encryption.Especially, the transmission of the trading information data carrying out between App application program and bank server can adopt 3DES encryption technology or rsa encryption technique, and it is also feasible certainly adopting other encryption technology, and the present invention is not restricted this.
It should be noted that, transaction terminal device is also provided with input equipment, and described input equipment comprises keyboard with ∕ or touch-screen operate and input Transaction Information for carrying out transaction.
It should be noted that, when transaction terminal device is financial service terminal, also comprise currency checking module and fault judge module, described fault judge module is connected with described currency checking module.When user withdraws the money or deposits, fault judge module judges that this equipment whether can note output or deposit paper money, if currency checking module fault can not be concluded the business, interface prompt user can not carry out the transaction business of withdrawing the money, depositing.Described currency checking module is used for, in the time that user withdraws the money, the cash in automatic teller machine is extracted to withdraw the money the accordingly amount of money currency examine, or in the time that user deposits, the cash of putting into cash dispensing port is carried out to currency examine statistical magnitude.
It should be noted that, when transaction terminal device is electronic settling terminal, also can comprise the generation module for generating consumption order.
It should be noted that, transaction terminal device is electronic settling terminal and while being self-service machine, also can comprise goods discharging module and fault judge module, and described fault judge module is connected with described goods discharging module.When user buys commodity on self-service machine, fault judge module judges that this equipment whether can shipment, if goods discharging module fault can not shipment, interface prompt customer transaction stops, and this is applicable to automatic machine, automatic vending machine etc. and has the self-service machine of commodity nature.And for the self-service machine that service is provided, such as hotel self-service machine etc. can not arrange these modules.
It should be noted that, this time identification string of transaction that bank server generates can be one group by any character with character string or numeric string that ∕ or numeral form, and can only be in once concluding the business effectively, while again transaction, need to regenerate, and described identification string only retains 5 minutes on bank server, exceeding 5 minutes will cease to be in force automatically and delete, and has improved the security of customer transaction.And it should be noted that, in specific implementation process, the time that described identification string retains on bank server can rationally be set according to actual conditions, and the present invention is not restricted this.
Above content is in conjunction with concrete preferred implementation further description made for the present invention, can not assert that specific embodiment of the invention only limits to these explanations.For general technical staff of the technical field of the invention, without departing from the inventive concept of the premise, can also make some simple deduction or replace, all should be considered as belonging to protection scope of the present invention.
Claims (10)
1. a method that realizes electronic transaction based on graphic code, is characterized in that, the method comprises the following steps:
When step 1, user conclude the business, transaction terminal device is opened graphic code scanister;
When the account of the App application program that step 2, described user login to its mobile terminal are installed selection " graphic code electronic transaction ", described App application program will obtain a graphic code, and show on described mobile terminal screen, described graphic code comprises this time identification string of transaction;
Step 3, described transaction terminal device utilize described graphic code scanister that described graphic code is scanned and decoded, and described transaction terminal device will be sent to bank server after the information encryption that after decoding, the described graphic code that obtains comprises;
After the deciphering of step 4, described bank server, obtain the information that described graphic code comprises, and the consistent identification string of described identification string that utilizes its data base querying whether to exist to comprise with described graphic code, perform step 5 if exist, otherwise execution step 6;
Step 5, the relevant information of this transaction is sent to described App application program by described bank server, described App application program is confirmed the content feed of described relevant information to described user's described account for user, in the time that described user selects to confirm the content of this relevant information, described App application program is the bank card interface that completes certification and binding to described account by response, described in the time that this user selects a certain bank card in this interface, App application program will extract the card number of this bank card from the data message of described bank card, and continue to perform step 7,
Step 6, described bank server notify to described transaction terminal device the result that it is invalid that this is concluded the business with ∕ or described App application program are closed the trade;
After the information encryption that step 7, described App application program comprise the card number of described bank card and described graphic code, be sent to described bank server;
After step 8, the deciphering of described bank server, obtain the card number of described bank card and the information that described graphic code comprises, and by this extremely described transaction terminal device of effective result notice of concluding the business, and described transaction terminal device will point out user to input the password of described bank card;
Step 9, on described transaction terminal device, input after described password as described user, described transaction terminal device will be sent to described bank server after the password encryption of this user's input;
Step 10, described bank server utilize bank card account information corresponding to bank card number described in its data base querying, and judge that whether the described password obtaining after deciphering is consistent with the bank card password in described bank card account information, if unanimously realize transaction, otherwise close the trade.
2. method according to claim 1, is characterized in that: described transaction terminal device comprises financial service terminal and electronic settling terminal, and is provided with described graphic code scanister, and
Described financial service terminal comprises ATM (automatic teller machine), automatic teller machine;
Described electronic settling terminal comprises POS machine, self-service machine and the mobile terminal of described App application program is installed equally.
3. method according to claim 1, it is characterized in that, in described step 2, when the account of the App application program that described user's login to its mobile terminal is installed selection " graphic code electronic transaction ", described App application program will obtain a graphic code, specifically comprise:
Mode a, described App application program is asked for this time graphic code of transaction to described bank server, described bank server will generate this time unique identification string of transaction, and described identification string is encoded into graphic code, and described graphic code is sent to described App application program, described App application program will obtain this graphic code;
Or
Mode b, described App application program is asked for this time identification string of transaction to described bank server, described bank server will generate unique identification string of this time transaction and send to described App application program, described identification string is encoded into graphic code by described App application program, thereby obtain described graphic code.
4. according to the method described in claim 1 or 3, it is characterized in that, in described step 4, after described bank server deciphering, obtain the information that described graphic code comprises, and the consistent identification string of described identification string that utilizes its data base querying whether to exist to comprise with described graphic code, specifically comprise:
When described App application program is asked for this graphic code of concluding the business or this transaction ID string to described bank server, the described identification string generating is saved to its database by described bank server, in the time that described transaction terminal device sends to described bank server the information that described graphic code comprises, the consistent described identification string of described identification string whether described bank server utilizes its data base querying to exist to comprise with described graphic code, if exist this time transaction for effectively, if do not exist this time transaction for invalid.
5. method according to claim 1 and 2, is characterized in that, in described step 5, the relevant information of this transaction is sent to described App application program by described bank server, specifically comprises:
If described transaction terminal device is described financial service terminal, and when this time transaction is effective, described bank server will send to described App application program the information of " whether confirming to conclude the business on XXX automatic teller machine ", and described relevant information comprises this content;
If described transaction terminal device is described electronic settling terminal, and when this time transaction is effective, described bank server will be asked for this time consumption order of transaction to described transaction terminal device, described transaction terminal device will send to described bank server according to the commodity of described user's purchase or the described consumption order of service creation, and the described consumption order obtaining is sent to described App application program, the content that described relevant information comprises this consumption order by described bank server.
6. method according to claim 1, it is characterized in that, in described step 5, in the time that described user selects to confirm the content of described relevant information, described App application program is the bank card interface that completes certification and binding to described account by response, also comprises before this:
Described user's login to the described account of described App application program completes the binding authentication to described bank card, and described account can be bound multiple bank cards.
7. according to the method described in claim 1-5 any one, it is characterized in that, when described transaction terminal device is described electronic settling terminal, described step 8-10 also can be carried out by the following method:
Described bank server is in the time that deciphering obtains the card number of described bank card and information that described graphic code comprises afterwards, judge whether the amount of money that described consumption order need pay does not exceed a setting consumption amount of money value, if the result that described bank server completes this transaction notice is to described transaction terminal device, and described user is without can complete payment transaction by the password of inputting described bank card on described transaction terminal device; Described bank server notifies this effective result of concluding the business to described transaction terminal device if not, and completes payment transaction after described user inputs the password of correct described bank card on described transaction terminal device.
8. method according to claim 1, is characterized in that: described graphic code comprises bar code, Quick Response Code.
9. a system that realizes electronic transaction based on graphic code, is characterized in that, this system comprises:
Transaction terminal device, for sending to bank server the information that graphic code comprises, and receives this time effective or invalid result of transaction, and realizes transaction or close the trade according to described result;
Graphic code scanister, for the graphic code showing on mobile terminal screen is scanned, and decodes to it;
Mobile terminal, it,, for the hardware device of accessible network, comprises smart mobile phone, panel computer or personal digital assistant, for this time graphic code of transaction that shows that App application program obtains;
App application program, realize the operation of electronic transaction by network environment, manage for the bank card that user account and account has been completed to certification and binding, and receive graphic code of this time transaction that bank server sends or the identification string of transaction this time;
Bank server, belong to bank's internal server, have database, for generating this time unique identification string of transaction, and described identification string is sent to described App application program or is encoded into graphic code be sent to described App application program, and the information that the graphic code sending according to described transaction terminal device comprises carries out acknowledgment of your inquiry to this transaction, and Query Result is sent to described transaction terminal device with ∕ or described App application program;
Network, comprises internet or mobile Internet.
10. system according to claim 9, is characterized in that: described transaction terminal device comprises financial service terminal and electronic settling terminal, and is provided with described graphic code scanister, and
Described financial service terminal comprises ATM (automatic teller machine), automatic teller machine;
Described electronic settling terminal comprises POS machine, self-service machine and the mobile terminal of described App application program is installed equally.
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| CN201410164755.5A CN103903131A (en) | 2014-04-23 | 2014-04-23 | Method and system for achieving electronic transaction based on graphic code |
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| CN201410164755.5A CN103903131A (en) | 2014-04-23 | 2014-04-23 | Method and system for achieving electronic transaction based on graphic code |
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