CN106408291A - Cardless transaction method and system - Google Patents

Cardless transaction method and system Download PDF

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Publication number
CN106408291A
CN106408291A CN201610807037.4A CN201610807037A CN106408291A CN 106408291 A CN106408291 A CN 106408291A CN 201610807037 A CN201610807037 A CN 201610807037A CN 106408291 A CN106408291 A CN 106408291A
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Prior art keywords
password
quick response
response code
transaction
server
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CN201610807037.4A
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Chinese (zh)
Inventor
刘蔓莉
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Shenzhen Yihua Computer Co Ltd
Shenzhen Yihua Time Technology Co Ltd
Shenzhen Yihua Financial Intelligent Research Institute
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Shenzhen Yihua Computer Co Ltd
Shenzhen Yihua Time Technology Co Ltd
Shenzhen Yihua Financial Intelligent Research Institute
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Priority to CN201610807037.4A priority Critical patent/CN106408291A/en
Publication of CN106408291A publication Critical patent/CN106408291A/en
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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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221—Access to banking information through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/14—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
    • G06K7/1404—Methods for optical code recognition
    • G06K7/1408—Methods for optical code recognition the method being specifically adapted for the type of code
    • G06K7/1417—2D bar codes
    • 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
    • G06Q20/4012—Verifying personal identification numbers [PIN]

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Health & Medical Sciences (AREA)
  • Electromagnetism (AREA)
  • General Health & Medical Sciences (AREA)
  • Toxicology (AREA)
  • Artificial Intelligence (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention discloses a cardless transaction method and system. The method includes the following steps that: a terminal sends a reservation request to a server; the server generates a reservation two-dimensional code according to the reservation request and sends the reservation two-dimensional code to the terminal; the terminal receives the reservation two-dimensional code, wherein the reservation two-dimensional code carries bank card information, user identity information and reservation service information; the terminal displays the reservation two-dimensional code so that a financial device can scan the reservation two-dimensional code to obtain the bank card information, the user identity information and the reservation service information and carry out matching; and the financial device performs transaction operation according to the bank card information, the user identity information and the reservation service information. With the cardless transaction method and system provided by the embodiments of the invention adopted, transaction operation can be carried out under the absence of a bank card; and the reservation two-dimensional code is sent in real time according to the reservation request; the real-time reservation two-dimensional code is utilized to carry out a transaction, so that the security of the transaction can be improved.

Description

One kind no card method of commerce and system
Technical field
The present embodiments relate to microcomputer data processing field, more particularly, to one kind no card method of commerce and be System.
Background technology
In daily life, user is generally the withdrawal operation being carried out by bank card on finance device, with The passage of time, carry out also constantly manifesting the drawbacks of withdrawal operates by bank card.The retain card of finance device, user Card taking is forgotten, it has been of common occurrence for replicating bank card and stealing the events such as brush after operation.
The occurrence of in order to reduce and prevent above-mentioned, a lot of banks start to carry out the business of no card withdrawal, finance Equipment passes through to scan the two-dimensional bar code picture being stored in customer mobile terminal, obtains the bank account information of user；According to institute State bank account information and authentication is carried out to user；After authentication is passed through, carry out financial transaction.
Above-mentioned finance device carries out information exchange by scanning the Quick Response Code on customer mobile terminal with user, but above-mentioned Quick Response Code is changeless, and real-time is poor, there is certain insecurity, and Quick Response Code can depend on any On carrier, if the Quick Response Code that user obtains is obtained by back door by lawless person, above-mentioned this mode just cannot be protected The property safety of card user.
Content of the invention
The embodiment of the present invention provides one kind no card method of commerce and system, the peace brought to overcome Quick Response Code to immobilize Full problem.
In a first aspect, embodiments providing one kind no card method of commerce, including：
Terminal to server sends reserve requests；
Described server generates reservation Quick Response Code according to described reserve requests, and sends to described terminal.
Described terminal receives described reservation Quick Response Code, wherein, carries bank card information and use in described reservation Quick Response Code Family identity information and appointment business information；
Described reservation Quick Response Code is shown by described terminal, to obtain described bank card information so that finance device scans With subscriber identity information and appointment business information and mated；
Described finance device executes transaction according to described bank card information and subscriber identity information and appointment business information Operation.
Further, described finance device is according to described bank card information and subscriber identity information and appointment business information Before execution transactional operation, also include：
Described finance device sends scanning the described reservation Quick Response Code obtaining to described server, to ask described service Device carries out the process of described reservation Quick Response Code matching operation.
Further, described finance device is according to described bank card information and subscriber identity information and appointment business information Execution transactional operation includes：
Described finance device according to described bank card information and subscriber identity information and appointment business information, to server Send password and obtain request；
Described terminal receives the Password Input request that described server sends；
Described terminal requires user input trading password according to the request of described Password Input, and will be close for the transaction of user input Code is sent to described server and is verified；
Described finance device receives the result to described trading password for the described server；
Described finance device is it is allowed to execute transactional operation when being verified in the result of described server feedback.
Further, the trading password of user input is sent to after described server verified by described terminal, also Including：
Described server obtains the terminal iidentification of described terminal and is mated；
If described terminal iidentification is consistent with the registration terminal mark of described user, described server is close to described transaction Code is verified.
Further, described finance device is according to described bank card information and subscriber identity information and appointment business information Execution transactional operation includes：
Described finance device according to described bank card information and subscriber identity information and appointment business information, to server Send password and obtain request；
After described server receives password acquisition request, automatically generate and carry pre-paying of request user input encrypted message Easily Quick Response Code, and send to described terminal；
Described terminal receives and shows the pre- transaction Quick Response Code that described server sends, and identifies described pre- transaction Quick Response Code In request user input password information；
Described terminal requires user input trading password, and the transaction according to user input according to the request of described Password Input Password is updated to described pre- transaction Quick Response Code, generates the transaction of the end containing trading password information Quick Response Code；
The described Quick Response Code of transaction eventually is sent to described server and is verified by described terminal；
Described finance device receives the end transaction Quick Response Code the result of described server feedback, in described server feedback The result be when being verified it is allowed to execution transactional operation.
Further, described pre- transaction Quick Response Code and described eventually transaction Quick Response Code all include identical and by described server The dynamic password being randomly assigned after receiving password and obtaining request；
Correspondingly, the described Quick Response Code of transaction eventually is sent to described server and carries out verifying inclusion, server by described terminal It is traded the checking of password and dynamic password
Further, described finance device is according to described bank card information and subscriber identity information and appointment business information Execution transactional operation includes：
Described finance device according to described bank card information and subscriber identity information and appointment business information, to server Send password and obtain request；
After described server receives password acquisition request, automatically generate and carry pre-paying of request user input encrypted message Easily Quick Response Code, and send to described terminal；
Described terminal receives and shows described pre- transaction Quick Response Code, identifies the request user in described pre- transaction Quick Response Code The information of input password；
Described terminal requires user input trading password, and the transaction according to user input according to the request of described Password Input Password is updated to described pre- transaction Quick Response Code, generates the transaction of the end containing trading password information Quick Response Code；
The described Quick Response Code of transaction eventually is shown by described terminal；
Described finance device scanning described transaction eventually Quick Response Code obtains described trading password, and is held according to described trading password Row transactional operation.
Further, described finance device is according to described bank card information and subscriber identity information and appointment business information Execution transactional operation includes：
Described finance device according to described bank card information and subscriber identity information and appointment business information, to server Send password and obtain request；
Described server receives after password obtains request, automatically generates and carries request user input encrypted message and dynamic The pre- transaction Quick Response Code of password, and send to described terminal；
Described terminal receives and shows described pre- transaction Quick Response Code, identifies the request user in described pre- transaction Quick Response Code The information of input password；
Described terminal requires user input trading password, and the transaction according to user input according to the request of described Password Input Password is updated to described pre- transaction Quick Response Code, generates the transaction of the end containing described trading password and dynamic password Quick Response Code, Described pre- transaction Quick Response Code and described eventually transaction Quick Response Code all include identical and by described server receive that password obtains please Seek the dynamic password being randomly assigned afterwards；
The described Quick Response Code of transaction eventually is shown by described terminal；
Described finance device scanning described transaction eventually Quick Response Code obtains described trading password and dynamic password, and will be described dynamic State password and trading password send and are verified to described server；
Described finance device is it is allowed to execute transactional operation when being verified in the result of described server feedback.
On the other hand, the embodiment of the present invention additionally provides one kind no card transaction system, including：
Reserve requests sending module, configures in the terminal, for sending reserve requests to server；
Reservation two-dimensional code generation module, configuration in the server, preengages Quick Response Code for generating according to described reserve requests, And send to described terminal.
Reservation Quick Response Code receiver module, configuration is in described terminal, for receiving described reservation Quick Response Code, wherein, described Bank card information and subscriber identity information and appointment business information is carried in reservation Quick Response Code；
Reservation Quick Response Code display module, configures in described terminal, for described reservation Quick Response Code is shown, for Finance device scans and to obtain described bank card information and subscriber identity information and appointment business information and to be mated；
Transactional operation module, configures in described finance device, for according to described bank card information and user identity letter Breath and appointment business information execution transactional operation.
Further, described transactional operation module includes：
Reservation Quick Response Code matching request submodule, configures in described finance device, for described finance device according to institute State bank card information and subscriber identity information and appointment business information execution transactional operation before, by scanning obtain described pre- About Quick Response Code sends to described server, to ask described server to carry out the process of described reservation Quick Response Code matching operation.
Further, described transactional operation module includes：
Password obtains request-to-send submodule, configuration in described finance device, for according to described bank card information and Subscriber identity information and appointment business information, send password to server and obtain request；
Password Input request receiving submodule, configures in described terminal, for receiving the password that described server sends Input request；
Trading password sends checking submodule, configures in described terminal, for asking to require according to described Password Input User input trading password, and the trading password of user input is sent to described server is verified；
The result receiving submodule, configures in described finance device, for receiving described server to described transaction The result of password；
Transaction implementation sub-module, configures in described finance device, for the result in described server feedback is It is allowed to execute transactional operation when being verified.
Further, described trading password sends checking submodule and also includes：
Terminal iidentification acquiring unit, the trading password of user input, in described server, is sent by configuration for terminal After being verified to described server, obtain the terminal iidentification of described terminal and mated；
Trading password authentication unit, configures in described server, if for described terminal iidentification with described user's Registration terminal mark is consistent, then described server is verified to described trading password.
Further, described transactional operation module includes：
Password obtains request-to-send submodule, configuration in described finance device, for according to described bank card information and Subscriber identity information and appointment business information, send password to server and obtain request；
Pre- transaction two-dimensional code generation module, configuration in the server, obtains after request for receiving password, automatically generates and take Pre- transaction Quick Response Code with request user input encrypted message, and send to described terminal；
Pre- transaction Quick Response Code receiving submodule, configures in described terminal, for receiving and showing that described server sends Pre- transaction Quick Response Code, identify described pre- transaction Quick Response Code in request user input password information；
Transaction Quick Response Code generates submodule eventually, configures in described terminal, for asking to require according to described Password Input User input trading password, and according to the trading password of user input, described pre- transaction Quick Response Code is updated, generation contains The end transaction Quick Response Code of trading password information；
Transaction Quick Response Code sends checking submodule eventually, configures in described terminal, for sending out the described Quick Response Code of transaction eventually Give described server to be verified；
Transaction implementation sub-module, configures in described finance device, for receiving the end transaction two of described server feedback Dimension code the result, is it is allowed to execute transactional operation when being verified in the result of described server feedback.
Further, described pre- transaction Quick Response Code and described eventually transaction Quick Response Code all include identical and by described server The dynamic password being randomly assigned after receiving password and obtaining request；
Correspondingly, the described Quick Response Code of transaction eventually sends checking submodule, also includes password authentication unit, configuration is in server In, it is traded the checking of password and dynamic password for server.
Further, described transactional operation module includes：
Password obtains request-to-send submodule, configuration in described finance device, for according to described bank card information and Subscriber identity information and appointment business information, send password to server and obtain request；
Pre- transaction two-dimensional code generation module, configuration in the server, obtains after request for receiving password, automatically generates and take Pre- transaction Quick Response Code with request user input encrypted message, and send to described terminal；
Pre- transaction Quick Response Code receiving submodule, configures in described terminal, for receiving and showing described pre- transaction two dimension Code, identifies the information of the request user input password in described pre- transaction Quick Response Code；
Transaction Quick Response Code generates submodule eventually, configures in described terminal, for asking to require according to described Password Input User input trading password, and according to the trading password of user input, described pre- transaction Quick Response Code is updated, generation contains The end transaction Quick Response Code of trading password information；
Transaction Quick Response Code display sub-module eventually, configures in described terminal, for being shown the described Quick Response Code of transaction eventually Show；
Transaction two-dimensional code scanning submodule eventually, configures in described finance device, for scanning described transaction Quick Response Code eventually To obtain described trading password, and transactional operation is executed according to described trading password.
Further, described transactional operation module includes：
Password obtains request-to-send submodule, configuration in described finance device, for according to described bank card information and Subscriber identity information and appointment business information, send password to server and obtain request；
Pre- transaction two-dimensional code generation module, configuration in the server, obtains after request for receiving password, automatically generates and take Pre- transaction Quick Response Code with request user input encrypted message, and send to described terminal；
Pre- transaction Quick Response Code receiving submodule, configures in described terminal, for receiving and showing described pre- transaction two dimension Code, identifies the information of the request user input password in described pre- transaction Quick Response Code；
Transaction Quick Response Code generates submodule eventually, configures in described terminal, for asking to require according to described Password Input User input trading password, and the trading password/according to user input and to described pre- transaction Quick Response Code be updated, generation contains The end transaction Quick Response Code of described trading password and dynamic password, described pre- transaction Quick Response Code and the described Quick Response Code of transaction eventually is had all to wrap Containing dynamic password that is identical and being randomly assigned after receiving password and obtaining request by described server；
Transaction Quick Response Code display sub-module eventually, configures in described terminal, for being shown the described Quick Response Code of transaction eventually Show；
Transaction two-dimensional code scanning submodule eventually, configures in described finance device, for scanning described transaction Quick Response Code eventually Obtain described trading password and dynamic password, and described dynamic password and trading password are sent tested to described server Card；
Transaction allows performance element, configures in described finance device, for the result in described server feedback For when being verified it is allowed to execution transactional operation.
The embodiment of the present invention sends reserve requests by terminal to server, and then server response reserve requests generate in advance About Quick Response Code, and send in real time to terminal, carry bank card information and subscriber identity information and reservation in reservation Quick Response Code Business information, terminal receives reservation Quick Response Code and is shown that the reservation Quick Response Code in finance device end of scan gets Bank card information and subscriber identity information and appointment business information are simultaneously mated, and then execute transactional operation.The present embodiment Achieve in the case of there is no bank card, be traded operating, according to reserve requests, send reservation Quick Response Code in real time, utilize Reservation Quick Response Code is traded in real time, improves the security of transaction.
Brief description
By reading the detailed description that non-limiting example is made made with reference to the following drawings explanation, the present invention's Other features, objects and advantages will become apparent from.
Fig. 1 is a kind of flow chart of no card method of commerce in the embodiment of the present invention one；
Fig. 2 is a kind of flow chart of no card method of commerce in the embodiment of the present invention two；
Fig. 3 is a kind of flow chart of no card method of commerce in the embodiment of the present invention three；
Fig. 4 is a kind of flow chart of no card method of commerce in the embodiment of the present invention four；
Fig. 5 is a kind of flow chart of no card method of commerce in the embodiment of the present invention five；
Fig. 6 is a kind of structured flowchart of no card transaction system in the embodiment of the present invention six.
Specific embodiment
The present invention is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched The specific embodiment stated is used only for explaining the present invention, rather than limitation of the invention.It also should be noted that, in order to just Part related to the present invention rather than entire infrastructure is illustrate only in description, accompanying drawing.
Embodiment one
A kind of flow chart of no card method of commerce that Fig. 1 provides for the embodiment of the present invention one, the embodiment of the present invention can be used for In the case of there is no bank card, the operation that user is traded, the method can be handed over by no card provided in an embodiment of the present invention Easily system executing, can be realized by the mode of software and hardware, and this system can include thering is transmission no card transaction by this system The terminal of reserve requests function, such as mobile phone, panel computer or desktop computer lamp, can also include thering is storage magnanimity bank account Family information simultaneously generates the server of Quick Response Code function, for example, can be bank's background server, can also include receiving and transmit The equipment of user's server information, for example, can be finance device.The method includes：
S110, terminal to server send reserve requests.
User carries out the reservation of no card withdrawal operation in the terminal, and accordingly, reserve requests are sent to service by terminal Device, terminal is specifically as follows website of bank or APP, reserve requests specifically can include appointment business type and particular content, Subscription services site and appointment business handle time etc..
S120, described server generate reservation Quick Response Code according to described reserve requests, and send to described terminal.
Further, while server generates reservation Quick Response Code according to reserve requests, reservation odd numbers can also be generated, When server sends reservation Quick Response Code to terminal, also reservation odd numbers can be issued terminal.
S130, described terminal receive described reservation Quick Response Code, wherein, carry bank card information in described reservation Quick Response Code With subscriber identity information and appointment business information.
Further, terminal, while the reservation Quick Response Code that the reception server sends, also can the reception server send Reservation odd numbers.
Described reservation Quick Response Code is shown by S140, described terminal, to obtain described bank so that finance device scans Card information and subscriber identity information and appointment business information are simultaneously mated.
Alternatively, server is sent to corresponding finance device while sending reservation Quick Response Code to terminal, for this Carry out corresponding matching operation after reservation Quick Response Code shown by finance device end of scan.
Alternatively, finance device sends scanning the reservation Quick Response Code obtaining to server, and is carried out pre- with request server The matching operation of about Quick Response Code.
S150, described finance device are according to described bank card information and subscriber identity information and the execution of appointment business information Transactional operation.
Finance device preengages, according to scanning, bank card information and subscriber identity information and the appointment business that Quick Response Code obtains Information is traded operating.
Specifically, transactional operation includes appointment business operation and/or other transactional operation.
Specifically, appointment business and other transactional operation windows can be shown simultaneously carry out for user by finance device Select, also can select to carry out executing other transactional operation further according to user after execution appointment business operation；When server is anti- When the matching result of feedback is not fit through, finance device requires user input reservation odd numbers, then will preengage odd numbers and return clothes Business device is verified, if being verified, finance device is according to described bank card information and subscriber identity information and appointment business Information executes transactional operation；If reservation Quick Response Code and reservation odd numbers are not all proved to be successful, server return is exited transaction and is referred to , to financial terminal, wherein, warning message is warning reminding daily record, and convenient in the future calling is checked for order and warning message.Finance device The reservation Quick Response Code that scanning is obtained returns again to server and is verified, prevents from preengaging Quick Response Code during being sent to terminal Be tampered, thus improve reservation Quick Response Code accuracy it is ensured that transaction safety.
The technical scheme of the present embodiment, sends reserve requests by terminal to server, and then server response is pre- invites Ask and send reservation Quick Response Code in real time to terminal, in reservation Quick Response Code, carry bank card information and subscriber identity information and reservation Business information, terminal receives reservation Quick Response Code and is shown that the reservation Quick Response Code in finance device end of scan gets Bank card information and subscriber identity information and appointment business information, then execute transactional operation.The present embodiment achieves not to be had In the case of having bank card, it is traded operating, according to reserve requests, send reservation Quick Response Code in real time, preengage using real-time Quick Response Code is traded, and improves the security of transaction.
Embodiment two
A kind of flow chart of no card method of commerce that Fig. 2 provides for the embodiment of the present invention two, the present embodiment is in embodiment one On the basis of, compared with embodiment one, it is different from, by described finance device according to described bank card information and subscriber identity information And appointment business information execution transactional operation, it is optimized for user further and trading password is inputted on finance device.The method Comprise the following steps：
S1511, described finance device, according to described bank card information and subscriber identity information and appointment business information, carry Show user input trading password；
Finance device points out user input the trading password corresponding with bank card information and subscriber identity information, this transaction Password be user in this bank's new account, reserved and need password, this password and the bank card one provided when being traded One is corresponding.
Specifically, finance device shows bank card information and subscriber identity information and appointment business letter in its display interface Breath, and point out user input trading password.
The trading password of user input is sent server and is verified by S1512, described finance device；
After user input trading password, finance device sends it to server, and server is pre- with this bank card by it The trading password staying is contrasted.
Specifically, the trading password of user input can be sent to server by bank's background network by finance device.
S1513, described finance device are it is allowed to execute transaction when being verified in the result of described server feedback Operation.
If the trading password that the trading password of server authentication user input is reserved previously in bank is consistent, server The result passed through to finance device feedback validation, finance device allows user to be traded.
The present embodiment, on the basis of embodiment one, is improved, and after reservation Quick Response Code checking, is used by increasing Family inputs the operation of trading password on finance device, and server is verified to trading password, be verified allow into Row transaction, it is to avoid reservation Quick Response Code stolen situation about can also be traded, more ensure that the safety of transaction.
Embodiment three
A kind of flow chart of no card method of commerce that Fig. 3 provides for the embodiment of the present invention three, the present embodiment is in embodiment one On the basis of, compared with embodiment one, it is different from, by described finance device according to described bank card information and subscriber identity information And appointment business information execution transactional operation, it is optimized for user further and trading password is inputted on terminal.The method includes Following steps：
S1521, described finance device according to described bank card information and subscriber identity information and appointment business information, to Server sends password and obtains request；
Finance device sends password to server and obtains request, and server sends the request of Password Input to terminal.
S1522, described terminal receive the Password Input request that described server sends；
Terminal receives the request of the request input password of server transmission.
Specifically, input password request can be in webpage or in APP display input dialogue frame or Server is opened reserved cell-phone number during card according to bank card and is asked to input password in the form of note.
S1523, described terminal require user input trading password according to the request of described Password Input, and by user input Trading password is sent to described server and is verified；
User inputs trading password in terminal, and terminal sends this trading password to server.
Specifically, terminal sends trading password to server can be to be transmitted by network.
Alternatively, the trading password of user input is sent to after described server verified terminal, also includes：
Described server obtains the terminal iidentification of described terminal and is mated；
Specifically, terminal iidentification can be IMEI (international mobile equipment identification number), ESN (Electronic Serial Number), MEID (shifting Dynamic EIC equipment identification code).
If described terminal iidentification is consistent with the registration terminal mark of described user, described server is close to described transaction Code is verified.
User, when carrying out bank card and opening an account, terminal iidentification is registered with this bank card binding, is being sticked into using this bank During capable no card withdrawal, server needs to judge whether the terminal iidentification getting is consistent with terminal iidentification during registration, if one Cause, be then traded the checking of password；If inconsistent, server returns and exits trading instruction and warning message to finance eventually End, wherein, warning message is warning reminding daily record, and convenient in the future calling is checked.
S1524, described finance device receive the result to described trading password for the described server；
The trading password that server sends to terminal is verified, the result is fed back to finance device by server, gold Melt equipment and receive this result.
S1525, described finance device are it is allowed to execute transaction when being verified in the result of described server feedback Operation.
The trading password that server sends to terminal is verified, if the trading password with this bank card of server storage Consistent then it is assumed that being verified, server sends, to finance device, the result that this is verified, and finance device receives this and tests Card result carries out appointment business operation and/or other transactional operation.
The present embodiment, on the basis of embodiment one, is improved, and inputs transaction by increase user close in terminal The operation of code, and server verifies to terminal iidentification, then trading password is verified, is verified and allows to carry out Transaction, it is to avoid reservation Quick Response Code stolen situation about can also be traded, it also avoid input transaction on finance device Password easily by illegal installation camera shoot lead to reveal trading password situation, and by increase checking terminal iidentification this One step, it can be avoided that other people are operated without the terminal that bank registered using other, more ensure that the safety of transaction.
Example IV
A kind of flow chart of no card method of commerce that Fig. 4 provides for the embodiment of the present invention four, the present embodiment is in embodiment one On the basis of, compared with embodiment one, it is different from, by described finance device according to described bank card information and subscriber identity information And appointment business information execution transactional operation, it is optimized for server further and send containing request user input password to terminal The pre- transaction Quick Response Code of solicited message, regenerates transaction Quick Response Code eventually after terminal input trading password.The method include with Lower step：
S1531, described finance device according to described bank card information and subscriber identity information and appointment business information, to Server sends password and obtains request；
After S1532, described server receive password acquisition request, automatically generate and carry request user input encrypted message Pre- transaction Quick Response Code, and send to described terminal；
Further, also include the dynamic password information of server-assignment in described pre- transaction Quick Response Code.
S1533, described terminal receive and show described pre- transaction Quick Response Code, identify asking in described pre- transaction Quick Response Code Seek the information of user input password；
Specifically, server sends pre- Quick Response Code of concluding the business to terminal, sends transmission cycle and the transmission of pre- Quick Response Code of concluding the business Number of times needs in preset value, and otherwise server resends new pre- transaction Quick Response Code automatically to terminal.
Specifically, comprise to ask the information of user input password in pre- transaction Quick Response Code, terminal can be known using Quick Response Code Do not receive and show with more New function or providing the bank web page that Quick Response Code identification is with more New function to be identified described terminal The pre- transaction Quick Response Code showing, obtains asking the information of user input password.
S1534, described terminal require user input trading password according to the request of described Password Input, and according to user input Trading password to described pre- transaction Quick Response Code be updated, generate containing trading password information end transaction Quick Response Code；
Specifically, terminal using Quick Response Code identification and more New function or can provide Quick Response Code identification and more New function Bank web page according to the trading password of user input, described pre- transaction Quick Response Code is updated, generate containing trading password letter The end transaction Quick Response Code of breath.
Further, terminal can also be according to the trading password of user input and dynamic password to described pre- transaction Quick Response Code It is updated, generate the transaction of the end containing trading password and dynamic password information Quick Response Code.
The described Quick Response Code of transaction eventually is sent to described server and is verified by S1535, described terminal；
S1536, described finance device receive the end transaction Quick Response Code the result of described server feedback, in described service The result of device feedback is it is allowed to execute transactional operation when being verified.
Specifically, after server receives Quick Response Code of concluding the business eventually, extract trading password therein or trading password and move State password, is verified, and the result is fed back to finance device, and when being verified, finance device is traded.
The present embodiment, on the basis of embodiment one, is improved, and sends pre- two dimension of concluding the business by server to terminal Code, regenerates eventually transaction Quick Response Code and is subsequently sent to server and verified, be verified after terminal input trading password It is traded afterwards, it is to avoid reservation Quick Response Code stolen situation about can also be traded, it also avoid on finance device Input trading password is easily shot, by illegal camera, the situation leading to reveal it is thus also avoided that handing over during transmission trading password The situation that easily password is easily intercepted by lawless person, and transmission trading password ensure that trading password is difficult in the form of Quick Response Code It is intercepted, more ensure that the safety of transaction.
Embodiment five
A kind of flow chart of no card method of commerce that Fig. 5 provides for the embodiment of the present invention five, the present embodiment is in example IV On the basis of, compared with example IV, it is different from, by described finance device according to described bank card information and subscriber identity information And appointment business information execution transactional operation, it is optimized for server further and send containing request user input password to terminal The pre- transaction Quick Response Code of information, regenerates transaction Quick Response Code eventually after terminal input trading password, finance device scanned by end The end transaction Quick Response Code that end generates.The method comprises the following steps：
S1541, described finance device according to described bank card information and subscriber identity information and appointment business information, to Server sends password and obtains request；
After S1542, described server receive password acquisition request, automatically generate and carry request user input encrypted message Pre- transaction Quick Response Code, and send to described terminal；
Still optionally further, after described server receives password acquisition request, in the pre- transaction Quick Response Code automatically generating also Including the dynamic password information being randomly assigned；
S1543, described terminal receive and show described pre- transaction Quick Response Code, identify asking in described pre- transaction Quick Response Code Seek the information of user input password；
S1544, described terminal require user input trading password according to the request of described Password Input, and according to user input Trading password to described pre- transaction Quick Response Code be updated, generate containing trading password information end transaction Quick Response Code；
Still optionally further, described terminal can regenerate and contain according to the trading password of user input and dynamic password information There is the end transaction Quick Response Code of trading password and dynamic password information.
The described Quick Response Code of transaction eventually is shown by S1545, described terminal；
S1546, described finance device scanning described transaction eventually Quick Response Code obtain described trading password, and according to described transaction Password executes transactional operation.
Alternatively, the dynamic password of finance device scanning described transaction eventually Quick Response Code acquisition server-assignment and transaction are close Code；
Described finance device, by described dynamic password and trading password, sends and is verified to described server；
Described finance device is it is allowed to execute transactional operation when being verified in the result of described server feedback.
The present embodiment, on the basis of example IV, is improved, and is sent containing ask the visitor in terminal by increasing server Seek the pre- transaction Quick Response Code of user input encrypted message, after terminal input trading password, regenerate transaction Quick Response Code eventually, gold Transaction Quick Response Code then returnes to server eventually to melt device scan, and server carries out the checking of Quick Response Code of concluding the business eventually, is verified It is traded afterwards, it is to avoid reservation Quick Response Code stolen situation about can also be traded, it also avoid on finance device Input trading password is easily shot, by illegal camera, the situation leading to reveal, and during transmission trading password, trading password is easy Situation about being intercepted by lawless person, and transmission trading password ensure that trading password is difficult to be intercepted in the form of Quick Response Code, And the dynamic password of Quick Response Code of concluding the business ensure that the real-time of transaction Quick Response Code, more ensure that the safety of transaction.
Embodiment six
A kind of structured flowchart of no card transaction system that Fig. 6 provides for the embodiment of the present invention six, this system includes：
Reserve requests sending module 610, configures in the terminal, for sending reserve requests to server；
Reservation two-dimensional code generation module 620, configuration is in the server, two-dimentional for generating reservation according to described reserve requests Code, and send to described terminal.
Reservation Quick Response Code receiver module 630, configures in described terminal, for receiving described reservation Quick Response Code, wherein, institute State in reservation Quick Response Code and carry bank card information and subscriber identity information and appointment business information；
Reservation Quick Response Code display module 640, configures in described terminal, for described reservation Quick Response Code is shown, To obtain described bank card information and subscriber identity information and appointment business information and to be mated so that finance device scans；
Transactional operation module 650, configures in described finance device, for according to described bank card information and user identity Information and appointment business information execution transactional operation.
Alternatively, transactional operation module 650 includes：
Reservation Quick Response Code matching request submodule, configures in described finance device, for described finance device according to institute State bank card information and subscriber identity information and appointment business information execution transactional operation before, by scanning obtain described pre- About Quick Response Code sends to described server, to ask described server to carry out the process of described reservation Quick Response Code matching operation；
Alternatively, transactional operation module 650 includes：
Reservation Quick Response Code matching request submodule, configures in described finance device, for described finance device according to institute State bank card information and subscriber identity information and appointment business information execution transactional operation before, by scanning obtain described pre- About Quick Response Code sends to described server, to ask described server to carry out the matching operation of described reservation Quick Response Code；
Input trading password prompting submodule, configuration in described finance device, for according to described bank card information and Subscriber identity information and appointment business information, point out user input trading password；
Trading password verifies submodule, configures in described finance device, for sending the trading password of user input Verified to server；
Transaction implementation sub-module, configures in described finance device, for the result in described server feedback is It is allowed to execute transactional operation when being verified.
Alternatively, transactional operation module 650 includes：
Reservation Quick Response Code matching request submodule, configures in described finance device, for described finance device according to institute State bank card information and subscriber identity information and appointment business information execution transactional operation before, by scanning obtain described pre- About Quick Response Code sends to described server, to ask described server to carry out the matching operation of described reservation Quick Response Code；
Password obtains request-to-send submodule, configuration in described finance device, for according to described bank card information and Subscriber identity information and appointment business information, send password to server and obtain request；
Password Input request receiving submodule, configures in described terminal, for receiving the password that described server sends Input request；
Trading password sends checking submodule, configures in described terminal, for asking to require according to described Password Input User input trading password, and the trading password of user input is sent to described server is verified；
The result receiving submodule, configures in described finance device, for receiving described server to described transaction The result of password；
Transaction implementation sub-module, configures in described finance device, for the result in described server feedback is It is allowed to execute transactional operation when being verified.
Wherein, alternatively, trading password sends checking submodule and also includes：
Terminal iidentification acquiring unit, configures in described server, for obtaining the terminal iidentification of described terminal and carrying out Coupling；
Trading password authentication unit, configures in described server, if for described terminal iidentification with described user's Registration terminal mark is consistent, then described server is verified to described trading password.
Alternatively, transactional operation module 650 includes：
Reservation Quick Response Code matching request submodule, configures in described finance device, for described finance device according to institute State bank card information and subscriber identity information and appointment business information execution transactional operation before, by scanning obtain described pre- About Quick Response Code sends to described server, to ask described server to carry out the matching operation of described reservation Quick Response Code；
Password obtains request-to-send submodule, configuration in described finance device, for according to described bank card information and Subscriber identity information and appointment business information, send password to server and obtain request；
Pre- transaction two-dimensional code generation module, configuration in the server, obtains after request for receiving password, automatically generates and take Pre- transaction Quick Response Code with request user input encrypted message, and send to described terminal；
Pre- transaction Quick Response Code receiving submodule, configures in described terminal, for receiving and showing described pre- transaction two dimension Code, identifies the information of the request user input password in described pre- transaction Quick Response Code；
Transaction Quick Response Code generates submodule eventually, configures in described terminal, for asking to require according to described Password Input User input trading password, and according to the trading password of user input, described pre- transaction Quick Response Code is updated, generation contains The end transaction Quick Response Code of trading password information；
Transaction Quick Response Code sends checking submodule eventually, configures in described terminal, for sending out the described Quick Response Code of transaction eventually Give described server to be verified；
Transaction implementation sub-module, configures in described finance device, for receiving the end transaction two of described server feedback Dimension code the result, is it is allowed to execute transactional operation when being verified in the result of described server feedback；
Wherein, described pre- transaction Quick Response Code and the described Quick Response Code of transaction eventually all include identical and are being connect by described server Receive password and obtain the dynamic password being randomly assigned after request；
Correspondingly, the described Quick Response Code of transaction eventually sends checking submodule, also includes password authentication unit, configuration is in server In, it is traded the checking of password and dynamic password for server.
Alternatively, transactional operation module 650 includes：
Reservation Quick Response Code matching request submodule, configures in described finance device, for described finance device according to institute State bank card information and subscriber identity information and appointment business information execution transactional operation before, by scanning obtain described pre- About Quick Response Code sends to described server, to ask described server to carry out the matching operation of described reservation Quick Response Code；
Password obtains request-to-send submodule, configuration in described finance device, for according to described bank card information and Subscriber identity information and appointment business information, send password to server and obtain request；
Pre- transaction two-dimensional code generation module, configuration in the server, obtains after request for receiving password, automatically generates and take Pre- transaction Quick Response Code with request user input encrypted message, and send to described terminal；
Pre- transaction Quick Response Code receiving submodule, configures in described terminal, for receiving and showing described pre- transaction two dimension Code, identifies the information of the request user input password in described pre- transaction Quick Response Code；
Transaction Quick Response Code generates submodule eventually, configures in described terminal, for asking to require according to described Password Input User input trading password, and according to the trading password of user input, described pre- transaction Quick Response Code is updated, generation contains The end transaction Quick Response Code of trading password information；
Transaction Quick Response Code display sub-module eventually, configures in described terminal, for being shown the described Quick Response Code of transaction eventually Show；
Transaction two-dimensional code scanning submodule eventually, configures in described finance device, for scanning described transaction Quick Response Code eventually Obtain described trading password, and transactional operation is executed according to described trading password.
Wherein, transaction two-dimensional code scanning submodule includes eventually：
Password acquiring unit, configures in described finance device, for scanning the described Quick Response Code of transaction eventually to obtain whole friendship Entrained trading password and dynamic password easily in Quick Response Code；
Password transmitting element, configuration in described finance device, for by described trading password and dynamic password, send to Described server is verified.
Alternatively, transactional operation module 650 includes：
Reservation Quick Response Code matching request submodule, configures in described finance device, for described finance device according to institute State bank card information and subscriber identity information and appointment business information execution transactional operation before, by scanning obtain described pre- About Quick Response Code sends to described server, to ask described server to carry out the matching operation of described reservation Quick Response Code；
Password obtains request-to-send submodule, configuration in described finance device, for according to described bank card information and Subscriber identity information and appointment business information, send password to server and obtain request；
Pre- transaction two-dimensional code generation module, configuration in the server, obtains after request for receiving password, automatically generates and take Pre- transaction Quick Response Code with request user input encrypted message, and send to described terminal；
Pre- transaction Quick Response Code receiving submodule, configures in described terminal, for receiving and showing described pre- transaction two dimension Code, identifies the information of the request user input password in described pre- transaction Quick Response Code；
Transaction Quick Response Code generates submodule eventually, configures in described terminal, for asking to require according to described Password Input User input trading password, and the trading password/according to user input and to described pre- transaction Quick Response Code be updated, generation contains The end transaction Quick Response Code of described trading password and dynamic password, described pre- transaction Quick Response Code and the described Quick Response Code of transaction eventually is had all to wrap Containing dynamic password that is identical and being randomly assigned after receiving password and obtaining request by described server；
Transaction Quick Response Code display sub-module eventually, configures in described terminal, for being shown the described Quick Response Code of transaction eventually Show；
Transaction two-dimensional code scanning submodule eventually, configures in described finance device, for scanning described transaction Quick Response Code eventually Obtain described trading password and dynamic password, and described dynamic password and trading password are sent tested to described server Card；
Transaction allows performance element, configures in described finance device, for the result in described server feedback For when being verified it is allowed to execution transactional operation.
Wherein, transaction two-dimensional code scanning submodule includes eventually：
Password acquiring unit, configures in described finance device, for scanning the described Quick Response Code of transaction eventually to obtain whole friendship Entrained trading password and dynamic password easily in Quick Response Code；
Password transmitting element, configuration in described finance device, for by described trading password and dynamic password, send to Described server is verified.
By one kind no card transaction system of the embodiment of the present invention six it is achieved that in the case of there is no bank card, carrying out Transactional operation, according to reserve requests, sends reservation Quick Response Code in real time, is traded using real-time reservation Quick Response Code, improves The security of transaction.
The no card that the no card transaction system that the embodiment of the present invention is provided can perform any embodiment of the present invention and provided is handed over Easily method, possesses the corresponding functional module of execution method and beneficial effect.
Note, above are only presently preferred embodiments of the present invention and institute's application technology principle.It will be appreciated by those skilled in the art that The invention is not restricted to specific embodiment described here, can carry out for a person skilled in the art various obvious changes, Readjust and substitute without departing from protection scope of the present invention.Therefore although being carried out to the present invention by above example It is described in further detail, but the present invention is not limited only to above example, without departing from the inventive concept, also Other Equivalent embodiments more can be included, and the scope of the present invention is determined by scope of the appended claims.

Claims (16)

1. one kind no card method of commerce is it is characterised in that include：
Terminal to server sends reserve requests；
Described server generates reservation Quick Response Code according to described reserve requests, and sends to described terminal；
Described terminal receives described reservation Quick Response Code, wherein, carries bank card information and user's body in described reservation Quick Response Code Part information and appointment business information；
Described reservation Quick Response Code is shown by described terminal, to obtain described bank card information and use so that finance device scans Family identity information and appointment business information are simultaneously mated；
Described finance device is according to described bank card information and subscriber identity information and appointment business information execution transactional operation.
2. method according to claim 1 is it is characterised in that described finance device is according to described bank card information and user Before identity information and appointment business information execution transactional operation, also include：
Described finance device sends scanning the described reservation Quick Response Code obtaining to described server, to ask described server to enter The process of row described reservation Quick Response Code matching operation.
3. method according to claim 1 and 2 it is characterised in that described finance device according to described bank card information and Subscriber identity information and appointment business information execution transactional operation include：
Described finance device, according to described bank card information and subscriber identity information and appointment business information, sends to server Password obtains request；
Described terminal receives the Password Input request that described server sends；
Described terminal requires user input trading password according to the request of described Password Input, and the trading password of user input is sent out Give described server to be verified；
Described finance device receives the result to described trading password for the described server；
Described finance device is it is allowed to execute transactional operation when being verified in the result of described server feedback.
4. method according to claim 3 is it is characterised in that the trading password of user input is sent to institute by described terminal State after server verified, also include：
Described server obtains the terminal iidentification of described terminal and is mated；
If described terminal iidentification is consistent with the registration terminal mark of described user, described server is to described trading password Verified.
5. method according to claim 1 and 2 it is characterised in that described finance device according to described bank card information and Subscriber identity information and appointment business information execution transactional operation include：
Described finance device, according to described bank card information and subscriber identity information and appointment business information, sends to server Password obtains request；
After described server receives password acquisition request, automatically generate the pre- transaction two carrying request user input encrypted message Dimension code, and send to described terminal；
Described terminal receives and shows described pre- transaction Quick Response Code, identifies the request user input in described pre- transaction Quick Response Code The information of password；
Described terminal requires user input trading password, and the trading password according to user input according to the request of described Password Input Described pre- transaction Quick Response Code is updated, generates the transaction of the end containing trading password information Quick Response Code；
The described Quick Response Code of transaction eventually is sent to described server and is verified by described terminal；
Described finance device receives the end transaction Quick Response Code the result of described server feedback, in testing of described server feedback Card result is it is allowed to execute transactional operation when being verified.
6. method according to claim 5 is it is characterised in that described pre- transaction Quick Response Code and the described Quick Response Code of transaction eventually are equal Include dynamic password that is identical and being randomly assigned after receiving password and obtaining request by described server；
Correspondingly, described eventually transaction Quick Response Code is sent to described server and carries out checking and includes by described terminal, and server is carried out Trading password and the checking of dynamic password.
7. method according to claim 1 and 2 it is characterised in that described finance device according to described bank card information and Subscriber identity information and appointment business information execution transactional operation include：
Described finance device, according to described bank card information and subscriber identity information and appointment business information, sends to server Password obtains request；
After described server receives password acquisition request, automatically generate the pre- transaction two carrying request user input encrypted message Dimension code, and send to described terminal；
Described terminal receives and shows described pre- transaction Quick Response Code, identifies the request user input in described pre- transaction Quick Response Code The information of password；
Described terminal requires user input trading password, and the trading password according to user input according to the request of described Password Input Described pre- transaction Quick Response Code is updated, generates the transaction of the end containing trading password information Quick Response Code；
The described Quick Response Code of transaction eventually is shown by described terminal；
Described finance device scanning described transaction eventually Quick Response Code obtains described trading password, and executes friendship according to described trading password Easy to operate.
8. method according to claim 1 and 2 it is characterised in that described finance device according to described bank card information and Subscriber identity information and appointment business information execution transactional operation include：
Described finance device, according to described bank card information and subscriber identity information and appointment business information, sends to server Password obtains request；
After described server receives password acquisition request, automatically generate and carry request user input encrypted message and dynamic password Pre- transaction Quick Response Code, and send to described terminal；
Described terminal receives and shows described pre- transaction Quick Response Code, identifies the request user input in described pre- transaction Quick Response Code The information of password；
Described terminal requires user input trading password, and the trading password according to user input according to the request of described Password Input Described pre- transaction Quick Response Code is updated, generates the transaction of the end containing described trading password and dynamic password Quick Response Code, described Pre- transaction Quick Response Code and the described Quick Response Code of transaction eventually all include identical and obtain request by described server in reception password The dynamic password being randomly assigned afterwards；
The described Quick Response Code of transaction eventually is shown by described terminal；
Described finance device scanning described transaction eventually Quick Response Code obtains described trading password and dynamic password, and will be described dynamically close Code and trading password send and are verified to described server；
Described finance device is it is allowed to execute transactional operation when being verified in the result of described server feedback.
9. one kind no card transaction system is it is characterised in that include：
Reserve requests sending module, configures in the terminal, for sending reserve requests to server；
Reservation two-dimensional code generation module, configuration in the server, preengages Quick Response Code for generating according to described reserve requests, concurrently Deliver to described terminal.
Reservation Quick Response Code receiver module, configures in described terminal, for receiving described reservation Quick Response Code, wherein, described reservation Bank card information and subscriber identity information and appointment business information is carried in Quick Response Code；
Reservation Quick Response Code display module, configures in described terminal, for being shown described reservation Quick Response Code, for finance Device scan is obtaining described bank card information and subscriber identity information and appointment business information and to be mated；
Transactional operation module, configuration in described finance device, for according to described bank card information and subscriber identity information with And appointment business information execution transactional operation.
10. system according to claim 9 is it is characterised in that described transactional operation module includes：
Reservation Quick Response Code matching request submodule, configures in described finance device, for described finance device according to described silver Before row card information and subscriber identity information and appointment business information execution transactional operation, the described reservation two obtaining will be scanned Dimension code sends to described server, to ask described server to carry out the process of described reservation Quick Response Code matching operation.
11. systems according to claim 9 or 10 are it is characterised in that described transactional operation module includes：
Password obtains request-to-send submodule, configures in described finance device, for according to described bank card information and user Identity information and appointment business information, send password to server and obtain request；
Password Input request receiving submodule, configures in described terminal, for receiving the Password Input that described server sends Request；
Trading password sends checking submodule, configures in described terminal, for requiring user according to the request of described Password Input Input trading password, and the trading password of user input is sent to described server and verified；
The result receiving submodule, configures in described finance device, for receiving described server to described trading password The result；
Transaction implementation sub-module, configuration, in described finance device, is checking for the result in described server feedback By when it is allowed to execution transactional operation.
It is characterised in that described trading password sends, 12. systems according to claim 11 verify that submodule also includes：
Terminal iidentification acquiring unit, the trading password of user input, in described server, is sent to institute for terminal by configuration State after server verified, the terminal iidentification obtaining described terminal is simultaneously mated；
Trading password authentication unit, configures in described server, if the registration for described terminal iidentification and described user Terminal iidentification is consistent, then described server is verified to described trading password.
13. systems according to claim 9 or 10 are it is characterised in that described transactional operation module includes：
Password obtains request-to-send submodule, configures in described finance device, for according to described bank card information and user Identity information and appointment business information, send password to server and obtain request；
Pre- transaction two-dimensional code generation module, configuration in the server, obtains after request for receiving password, automatically generates and carry The pre- transaction Quick Response Code of request user input encrypted message, and send to described terminal；
Pre- transaction Quick Response Code receiving submodule, configuration, in described terminal, for receiving and showing described pre- transaction Quick Response Code, is known Do not go out the information of the request user input password in described pre- transaction Quick Response Code；
Transaction Quick Response Code generates submodule eventually, configures in described terminal, for requiring user according to the request of described Password Input Input trading password, and according to the trading password of user input, described pre- transaction Quick Response Code is updated, generate containing transaction The end transaction Quick Response Code of encrypted message；
Transaction Quick Response Code sends checking submodule eventually, configures in described terminal, for being sent to the described Quick Response Code of transaction eventually Described server is verified；
Transaction implementation sub-module, configures in described finance device, for receiving the end transaction Quick Response Code that described server returns The result, is it is allowed to execute transactional operation when being verified in the result of described server feedback.
14. systems according to claim 13 Quick Response Code it is characterised in that described pre- transaction Quick Response Code and described end conclude the business All include dynamic password that is identical and being randomly assigned after receiving password and obtaining request by described server；
Correspondingly, the described Quick Response Code of transaction eventually sends checking submodule, also includes password authentication unit, configures in the server, It is traded the checking of password and dynamic password for server.
15. systems according to claim 9 or 10 are it is characterised in that described transactional operation module includes：
Password obtains request-to-send submodule, configures in described finance device, for according to described bank card information and user Identity information and appointment business information, send password to server and obtain request；
Pre- transaction two-dimensional code generation module, configuration in the server, obtains after request for receiving password, automatically generates and carry The pre- transaction Quick Response Code of request user input encrypted message, and send to described terminal；
Pre- transaction Quick Response Code receiving submodule, configuration, in described terminal, for receiving and showing described pre- transaction Quick Response Code, is known Do not go out the information of the request user input password in described pre- transaction Quick Response Code；
Transaction Quick Response Code generates submodule eventually, configures in described terminal, for requiring user according to the request of described Password Input Input trading password, and according to the trading password of user input, described pre- transaction Quick Response Code is updated, generate containing transaction The end transaction Quick Response Code of encrypted message；
Transaction Quick Response Code display sub-module eventually, configures in described terminal, for being shown the described Quick Response Code of transaction eventually；
Transaction two-dimensional code scanning submodule eventually, configuration, in described finance device, obtains for scanning the described Quick Response Code of transaction eventually Described trading password, and transactional operation is executed according to described trading password.
16. systems according to claim 9 or 10 are it is characterised in that described transactional operation module includes：
Password obtains request-to-send submodule, configures in described finance device, for according to described bank card information and user Identity information and appointment business information, send password to server and obtain request；
Pre- transaction two-dimensional code generation module, configuration in the server, obtains after request for receiving password, automatically generates and carry The pre- transaction Quick Response Code of request user input encrypted message, and send to described terminal；
Pre- transaction Quick Response Code receiving submodule, configuration, in described terminal, for receiving and showing described pre- transaction Quick Response Code, is known Do not go out the information of the request user input password in described pre- transaction Quick Response Code；
Transaction Quick Response Code generates submodule eventually, configures in described terminal, for requiring user according to the request of described Password Input Input trading password, and the trading password/according to user input and described pre- transaction Quick Response Code is updated, generate containing State the end transaction Quick Response Code of trading password and dynamic password, described pre- transaction Quick Response Code and the described Quick Response Code of transaction eventually all include Dynamic password that is identical and being randomly assigned after receiving password and obtaining request by described server；
Transaction Quick Response Code display sub-module eventually, configures in described terminal, for being shown the described Quick Response Code of transaction eventually；
Transaction two-dimensional code scanning submodule eventually, configuration, in described finance device, obtains for scanning the described Quick Response Code of transaction eventually Described trading password and dynamic password, and described dynamic password and trading password are sent verified to described server；Hand over Easily allow performance element, configuration, in described finance device, is to be verified for the result in described server feedback When it is allowed to execution transactional operation.
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Publication number Priority date Publication date Assignee Title
CN106991769A (en) * 2017-05-22 2017-07-28 滁州学院 A kind of withdrawal system based on Quick Response Code
CN108053210A (en) * 2017-11-20 2018-05-18 胡研 A kind of shape of face method of payment, shape of face reserving method and traction equipment
CN108009919A (en) * 2017-11-22 2018-05-08 深圳怡化电脑股份有限公司 A kind of financial trade method, device, equipment and readable storage medium storing program for executing
CN108364225A (en) * 2018-01-24 2018-08-03 平安科技（深圳）有限公司 A kind of self-service service activating method, system, equipment and storage medium
CN109345226A (en) * 2018-08-13 2019-02-15 唐晓冬 A kind of off line method of payment and system that campus is self-service
CN111985913A (en) * 2019-05-24 2020-11-24 上海箩箕技术有限公司 Card-free transaction method and device and server
WO2020237871A1 (en) * 2019-05-24 2020-12-03 上海箩箕技术有限公司 Cardless transaction method, apparatus and server
CN113325764A (en) * 2021-05-26 2021-08-31 佛山市邦力和科技有限公司 Intelligent kitchen control system and operation method thereof
CN114595853A (en) * 2022-04-26 2022-06-07 阿里健康科技(杭州)有限公司 Method, device, equipment and medium for sending and displaying graphic code data
CN114944038A (en) * 2022-05-19 2022-08-26 中国银行股份有限公司 ATM (automatic teller machine) withdrawal method and device, storage medium and electronic equipment

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