CN106651372A - Data processing method and system - Google Patents
Data processing method and system Download PDFInfo
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- CN106651372A CN106651372A CN201610924945.1A CN201610924945A CN106651372A CN 106651372 A CN106651372 A CN 106651372A CN 201610924945 A CN201610924945 A CN 201610924945A CN 106651372 A CN106651372 A CN 106651372A
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- 238000003672 processing method Methods 0.000 title claims abstract description 19
- 230000003247 decreasing effect Effects 0.000 abstract 1
- 238000000034 method Methods 0.000 description 19
- 230000008569 process Effects 0.000 description 10
- 238000004590 computer program Methods 0.000 description 7
- 230000006870 function Effects 0.000 description 7
- 238000010586 diagram Methods 0.000 description 6
- 230000005540 biological transmission Effects 0.000 description 4
- 238000005516 engineering process Methods 0.000 description 4
- 238000003860 storage Methods 0.000 description 3
- 230000004048 modification Effects 0.000 description 2
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- 238000004519 manufacturing process Methods 0.000 description 1
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- 229910052709 silver Inorganic materials 0.000 description 1
- 239000004332 silver Substances 0.000 description 1
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q20/4014—Identity check for transactions
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- Computer Security & Cryptography (AREA)
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Abstract
The present invention provides a data processing method and system. The data processing method includes the following steps that: a client sends transaction information to a background server through a transaction terminal; the background server determines required authentication information in various kinds of forms according to the transaction information, then generates an authentication information acquisition instruction and sends the authentication information acquisition instruction to the client through the transaction terminal; the client obtains corresponding authentication information in various kinds of forms according to the authentication information acquisition instruction and sends the authentication information in various kinds of forms to the background server through the transaction terminal; the background server separately authenticates the corresponding authentication information in various kinds of forms; and the transaction terminal completes a transaction according to the transaction information when the authentication is successful, and the transaction terminal generates a transaction result and sends the transaction result to the client. According to the data processing method and system of the invention adopted, when payment transaction is carried out, a plurality of kinds of authentication information are authenticated, and therefore, the transaction security of different transaction channels can be improved, and the leakage risk of bank card information can be decreased.
Description
Technical field
The present invention relates to technical field of data processing, more particularly to a kind of data processing method and system.
Background technology
As the continuous development of network finance, the financial transaction for using a network for paying are more and more universal, people are in sense
By while quick transaction, being also faced with the stolen risk of assets.The conventional authentication mode of financial transaction at present has：Password,
Token (U-shield or Token), biological information (fingerprint, sound, iris, face etc.), these authentication informations are stored in background service
In device, when being traded, can be by the authentication information stored in background server and input during transaction or the authentication information for gathering
Compare, access authentication result.Existing transaction authentication system typically all fixes a kind of using in above-mentioned authentication mode,
Once reveal, it is possible to which all stolen situation of all bank cards overnight occurs.It is at present common as ATM, POS,
Such threat is all there is in the difference transaction channel such as Net silver, therefore how to improve the transaction security of different transaction channels
It is the problem of banking system needs solution.
The content of the invention
A kind of data processing method is embodiments provided, various authentication informations are authenticated, can be improved not
With the transaction security of transaction channel.The method includes：
Client sends Transaction Information to transaction terminal；
Transaction terminal sends the Transaction Information to background server；
The authentication information of various ways of the background server according to needed for the Transaction Information determines, according to required various
The authentication information of form generates authentication information and obtains instruction, and authentication information acquisition instruction is sent to transaction terminal；
The authentication information is obtained instruction and is sent to client by transaction terminal；
Client obtains the authentication information that instruction obtains corresponding various ways according to the authentication information, and by the phase
The authentication information of the various ways answered is sent to transaction terminal；
Transaction terminal sends the authentication information of corresponding various ways to background server；
Background server carries out certification respectively to the authentication information of corresponding various ways, by authentication result send to
Transaction terminal；
Transaction terminal receives authentication result, and completes transaction according to Transaction Information in the case where certification passes through, and generates and hands over
Easy result, and transaction results are sent to client.
In one embodiment, the method also includes：
Client is encrypted to the authentication information of corresponding various ways for obtaining, and by encryption after various shapes
The authentication information of formula is sent to transaction terminal.
In one embodiment, Transaction Information is sent to before transaction terminal in client, is also included：
Authentication information harvester gathers the authentication information of multi-form, and the authentication information of the multi-form is sent
To background server；
Background server is selected the authentication information of the multi-form according to different transaction channels, it is determined that different
Transaction channel using authentication information in the form of.
In one embodiment, the client includes cipher input equipment, iris recognition instrument, finger-print recognising instrument, face
Two kinds in identifier, sound collector and two or more；
The authentication information harvester includes cipher input equipment, iris recognition instrument, finger-print recognising instrument, face recognition instrument
Or two kinds in sound collector and two or more.
In one embodiment, the method also includes：
When authentication information harvester includes finger-print recognising instrument, authentication information harvester is obtained from public security checking system
Through the finger print information of authentication, and will send to background server through the finger print information of authentication.
In one embodiment, the method also includes：
Background server arranges business site white list, and the business site white list includes the first business site mark
Know；
The Transaction Information includes that payment information and the second business site are identified；
Second business site is identified and is compared with the first business site mark by background server, when the second business site
When mark is identical with the first business site mark, background server according to payment information generation trading instruction, and by the transaction
Instruction is sent to transaction terminal；Transaction terminal receives trading instruction, and completes transaction according to Transaction Information；When the second business site
When mark is different from the first business site mark, background server determines recognizing for required various ways according to the payment information
Card information.
The embodiment of the present invention additionally provides a kind of data handling system, and various authentication informations are authenticated, and can improve
The transaction security of different transaction channels.The system includes：Client, transaction terminal and background server；
The client, for Transaction Information to be sent to transaction terminal；Instruction is obtained according to the authentication information to obtain
The authentication information of corresponding various ways, and the authentication information of corresponding various ways is sent to transaction terminal；
The transaction terminal, for the Transaction Information to be sent to background server；The authentication information is obtained and is referred to
Order is sent to client；The authentication information of corresponding various ways is sent to background server；Authentication result is received, and
Transaction is completed according to Transaction Information in the case where certification passes through, transaction results are generated, and transaction results are sent to client；
The background server, for determining the authentication information of required various ways according to the Transaction Information, according to
The authentication information of required various ways generates authentication information and obtains instruction, and authentication information acquisition instruction is sent into best friend
Easy terminal；Certification respectively is carried out to the authentication information of corresponding various ways, authentication result is sent to transaction terminal.
In one embodiment, the client includes encryption equipment, for the corresponding various ways for obtaining
Authentication information is encrypted；
The client is additionally operable to the authentication information of the various ways after encryption be sent to transaction terminal.
In one embodiment, the data handling system also includes：Authentication information harvester, for gathering multi-form
Authentication information, and the authentication information of the multi-form is sent to background server；
The background server is additionally operable to：The authentication information of the multi-form is selected according to different transaction channels
Select, it is determined that different transaction channel using authentication information in the form of.
In one embodiment, the client includes cipher input equipment, iris recognition instrument, finger-print recognising instrument, face
Two kinds in identifier, sound collector and two or more；
The authentication information harvester includes cipher input equipment, iris recognition instrument, finger-print recognising instrument, face recognition instrument
Or two kinds in sound collector and two or more.
In one embodiment, the data handling system also includes：
Public security checking system, is connected with authentication information harvester, when authentication information harvester includes finger-print recognising instrument
When, for authentication information harvester will to be supplied to through the finger print information of authentication；
Authentication information harvester is additionally operable to send out the finger print information through authentication obtained from public security checking system
Deliver to background server.
In one embodiment, the Transaction Information includes that payment information and the second business site are identified；
The background server is additionally operable to：Business site white list is set, and the business site white list includes first
Business site is identified；Second business site mark is compared with the first business site mark, when the second business site mark
When identical with the first business site mark, trading instruction is generated according to payment information, and the trading instruction is sent to transaction
Terminal；It is many according to needed for the payment information determines when the second business site mark is different from the first business site mark
The authentication information of the form of kind；
The transaction terminal is additionally operable to：Trading instruction is received, and transaction is completed according to Transaction Information.
In embodiments of the present invention, client sends Transaction Information to background server by transaction terminal；Backstage takes
The authentication information of various ways of the business device according to needed for Transaction Information determines, generates authentication information and obtains instruction, and certification is believed
Breath is obtained instruction and is sent to client by transaction terminal；Client obtains instruction and obtains corresponding various shapes according to authentication information
The authentication information of formula, is sent to background server by transaction terminal；Certification of the background server to corresponding various ways is believed
Breath carries out certification respectively, and when certification passes through, transaction terminal can complete transaction according to Transaction Information.One is fixed with existing employing
The authentication mode for planting authentication information is compared, and is to various authentication informations when carrying out payment transaction using the inventive method or system
It is authenticated, can so improves the transaction security of different transaction channels, reduces the disclosure risk of bank card information.
Description of the drawings
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
The accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, on the premise of not paying creative work, can be with
Other accompanying drawings are obtained according to these accompanying drawings.
Fig. 1 is a kind of data processing method flow chart provided in an embodiment of the present invention；
Fig. 2 is a kind of data handling system structural representation provided in an embodiment of the present invention.
Specific embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than the embodiment of whole.Based on this
Embodiment in invention, the every other reality that those of ordinary skill in the art are obtained under the premise of creative work is not made
Example is applied, the scope of protection of the invention is belonged to.
In prior art, when payment transaction is carried out, a form of authentication information is typically with, such as using input
Password, finger print information, iris information etc., once authentication information is revealed, it is possible to there are all bank cards overnight all stolen
Situation.If various authentication informations are combined, such as：Password adding fingerprint, fingerprint add iris etc., so when a kind of certification
During information leakage, also another one or more authentication information can increase security.Based on this, the present invention proposes a kind of number
According to processing method and system.
Fig. 1 is the flow chart of data processing method proposed by the present invention, as shown in figure 1, the method includes：
Client sends Transaction Information to transaction terminal；
Transaction terminal sends the Transaction Information to background server；
The authentication information of various ways of the background server according to needed for the Transaction Information determines, according to required various
The authentication information of form generates authentication information and obtains instruction, and authentication information acquisition instruction is sent to transaction terminal；
The authentication information is obtained instruction and is sent to client by transaction terminal；
Client obtains the authentication information that instruction obtains corresponding various ways according to the authentication information, and by the phase
The authentication information of the various ways answered is sent to transaction terminal；
Transaction terminal sends the authentication information of corresponding various ways to background server；
Background server carries out certification respectively to the authentication information of corresponding various ways, by authentication result send to
Transaction terminal；
Transaction terminal receives authentication result, and completes transaction according to Transaction Information in the case where certification passes through, and generates and hands over
Easy result, and transaction results are sent to client.
When being embodied as, client can be smart mobile phone, panel computer etc., generally with fingerprint collecting, sound collection,
The functions such as human image collecting, Password Input, that is to say, that client can include that cipher input equipment, iris recognition instrument, fingerprint are known
Two kinds in other instrument, face recognition instrument, sound collector and two or more.Client can also install the encryption of bank's issue
Device, client is encrypted to the authentication information of corresponding various ways for obtaining, and by the certification of the various ways after encryption
Information is sent to transaction terminal.Guarantee transmission safety so can be encrypted to the transmission of authentication information, while being also avoided that
Authentication information is revealed, and belongs to secondary guarantee.
When being embodied as, transaction terminal can be common ATM, POS, online payment platform (Mobile banking), sales counter
Deng the interface of the authentication information of the reception client transmissions with standard.The different authentication combination of different transaction channels can
Think following form：Mobile banking can select password, token etc. and voice combination；ATM can be using password and face recognition
Combination；Sales counter can combine etc. form using password with iris recognition.
When being embodied as, background server will have following function：Authentication information is stored and is backed up, can be accommodated
Big data quantity；For a large amount of transaction have concurrent processing mechanism, strong computing capability can be existing using cloud storage, cloud computing etc.
Advanced technology.Background server can support existing specification to be authenticated way choice and combination according to customer demand
Technology is chosen, while can safeguard modifiable；Security is good, it is to avoid extraneous malice is distorted.Now, it is started in payment transaction
Before, client can also gather the authentication information of multi-form by authentication information harvester, by the certification of these multi-forms
Information sends to background server and is stored.Then background server according to different transaction channels to gather multi-form
Authentication information selected or combined, it is determined that different transaction channel using authentication information in the form of.Wherein, authentication information
Harvester can be two in cipher input equipment, iris recognition instrument, finger-print recognising instrument, face recognition instrument or sound collector
Plant and two or more.That is authentication information harvester will have the standard of the information gatherings such as fingerprint, sound, iris transmission
Interface, and ensure the safety of gatherer process, it is not tampered with.
When being embodied as, background server carries out that after certification respectively, certification can be obtained to the authentication information of multi-form
As a result：Certification does not pass through result by result and certification.When obtain certification not by result after, by certification pass through result Jing
Cross transaction terminal to send to client, client re-starts the collection of authentication information, by the authentication information after resurveying
It is sent to background server again to be authenticated, till certification passes through, or pre- setting authentication number of times, when background server pair
The certification number of times of authentication information exceed default certification number of times, then generate terminate trading instruction, and by transaction terminal send to
Client.When obtain certification by result after, certification is sent to transaction terminal by result, transaction terminal is according to transaction letter
Breath completes transaction, generates transaction results, and transaction results are sent to client.
When being embodied as, background server can also provide business site function of white name list, and client can add trust
Overseas transaction website, because overseas website is not usually required to password and can be carried out transaction, this measure can reduce bank card letter
Breath reveals the possibility that brush is stolen by overseas illegal website.
Specifically, background server arranges business site white list, wherein, business site white list includes the first transaction
Website logo；
Transaction Information includes that payment information and the second business site are identified；
Second business site is identified and is compared with the first business site mark by background server, when the second business site
When mark is identical with the first business site mark, background server according to payment information generation trading instruction, and by the transaction
Instruction is sent to transaction terminal；Transaction terminal receives trading instruction, and completes transaction according to Transaction Information；When the second business site
When mark is different from the first business site mark, background server determines recognizing for required various ways according to the payment information
Card information.
When being embodied as, when authentication information harvester includes finger-print recognising instrument, that is to say, that authentication information includes
Finger print information, the data processing method also includes：Authentication information harvester can be with from (the such as public security of public security checking system
Office, customs, entry and exit etc.) obtain through authentication finger print information, and by through the finger print information of authentication send to
Background server.The confidence level of background server authentication storage information can be so improved, lawless person can be avoided to falsely use him
People's name carries out financial transaction.
Based on same inventive concept, a kind of data handling system is additionally provided in the embodiment of the present invention, such as following enforcement
Example is described.Due to the principle of data handling system solve problem it is similar to data processing method, therefore the reality of data handling system
The enforcement that may refer to data processing method is applied, is repeated part and is repeated no more.It is used below, term " unit " or " mould
Block " can realize the software of predetermined function and/or the combination of hardware.Although the device described by following examples is preferably with soft
Part is realizing, but hardware, or the realization of the combination of software and hardware is also may and to be contemplated.
Fig. 2 is a kind of structured flowchart of the data handling system of the embodiment of the present invention, as shown in Fig. 2 the data processing system
System includes：Client 201, transaction terminal 202 and background server 203；
The client 201, for Transaction Information to be sent to transaction terminal 202；Obtained according to the authentication information and referred to
Order obtains the authentication information of corresponding various ways, and the authentication information of corresponding various ways is sent to transaction terminal
202；
The transaction terminal 202, for the Transaction Information to be sent to background server 203；By the authentication information
Obtain instruction to send to client 201；The authentication information of corresponding various ways is sent to background server 203；Connect
Authentication result is received, and transaction is completed according to Transaction Information in the case where certification passes through, generate transaction results, and by transaction results
Send to client 201；
The background server 203, for the authentication information of the various ways needed for being determined according to the Transaction Information, root
Authentication information is generated according to the authentication information of required various ways and obtain instruction, and the authentication information is obtained into instruction send extremely
Transaction terminal 202；Certification respectively is carried out to the authentication information of corresponding various ways, authentication result is sent to transaction eventually
End 202.
The structure is illustrated below.
When being embodied as, client 201 includes encryption equipment, for the certification of the corresponding various ways for obtaining letter
Breath is encrypted；
Client 201 is additionally operable to the authentication information of the various ways after encryption be sent to transaction terminal 202.
When being embodied as, the data handling system also includes：Authentication information harvester 204, for gathering multi-form
Authentication information, and the authentication information of the multi-form is sent to background server 203；
The background server 203 is additionally operable to：The authentication information of the multi-form is entered according to different transaction channels
Row is selected, it is determined that different transaction channel using authentication information in the form of.
When being embodied as, the client 201 includes that cipher input equipment, iris recognition instrument, finger-print recognising instrument, face are known
Two kinds in other instrument, sound collector and two or more；
The authentication information harvester 204 includes that cipher input equipment, iris recognition instrument, finger-print recognising instrument, face are known
Two kinds in other instrument or sound collector and two or more.
When being embodied as, the data handling system also includes：
Public security checking system 205, is connected with authentication information harvester 204, when authentication information harvester 204 includes referring to
During line identifier, for authentication information harvester 204 will to be supplied to through the finger print information of authentication；
Authentication information harvester 204 is additionally operable to the fingerprint through authentication that will be obtained from public security checking system 205
Information is sent to background server 203.
When being embodied as, the Transaction Information includes that payment information and the second business site are identified；
The background server 203 is additionally operable to：Business site white list is set, and the business site white list includes the
One business site is identified；Second business site mark is compared with the first business site mark, when the second business site mark
When knowing identical with the first business site mark, trading instruction is generated according to payment information, and the trading instruction is sent into best friend
Easy terminal 202；When the second business site mark is different from the first business site mark, according to needed for the payment information determines
Various ways authentication information；
The transaction terminal 202 is additionally operable to：Trading instruction is received, and transaction is completed according to Transaction Information.
In sum, compared with a kind of existing authentication mode of authentication information using fixation, using the inventive method or
It is that various authentication informations are authenticated when system carries out payment transaction, can so improves the transaction peace of different transaction channels
Quan Xing, reduces the disclosure risk of bank card information.
Those skilled in the art are it should be appreciated that embodiments of the invention can be provided as method, system or computer program
Product.Therefore, the present invention can be using complete hardware embodiment, complete software embodiment or with reference to the reality in terms of software and hardware
Apply the form of example.And, the present invention can be adopted and wherein include the computer of computer usable program code at one or more
The computer program implemented in usable storage medium (including but not limited to magnetic disc store, CD-ROM, optical memory etc.) is produced
The form of product.
The present invention is the flow process with reference to method according to embodiments of the present invention, equipment (system) and computer program
Figure and/or block diagram are describing.It should be understood that can be by computer program instructions flowchart and/or each stream in block diagram
The combination of journey and/or square frame and flow chart and/or the flow process in block diagram and/or square frame.These computer programs can be provided
The processor of all-purpose computer, special-purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that produced for reality by the instruction of computer or the computing device of other programmable data processing devices
The device of the function of specifying in present one flow process of flow chart or one square frame of multiple flow processs and/or block diagram or multiple square frames.
These computer program instructions may be alternatively stored in can guide computer or other programmable data processing devices with spy
In determining the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory is produced to be included referring to
Make the manufacture of device, the command device realize in one flow process of flow chart or one square frame of multiple flow processs and/or block diagram or
The function of specifying in multiple square frames.
These computer program instructions also can be loaded into computer or other programmable data processing devices so that in meter
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented process, so as in computer or
The instruction performed on other programmable devices is provided for realizing in one flow process of flow chart or multiple flow processs and/or block diagram one
The step of function of specifying in individual square frame or multiple square frames.
The preferred embodiments of the present invention are the foregoing is only, the present invention is not limited to, for the skill of this area
For art personnel, the embodiment of the present invention can have various modifications and variations.It is all within the spirit and principles in the present invention, made
Any modification, equivalent substitution and improvements etc., should be included within the scope of the present invention.
Claims (12)
1. a kind of data processing method, it is characterised in that include：
Client sends Transaction Information to transaction terminal；
Transaction terminal sends the Transaction Information to background server；
The authentication information of various ways of the background server according to needed for the Transaction Information determines, according to required various ways
Authentication information generate authentication information obtain instruction, and by the authentication information obtain instruction send to transaction terminal；
The authentication information is obtained instruction and is sent to client by transaction terminal；
Client obtains the authentication information that instruction obtains corresponding various ways according to the authentication information, and will be corresponding
The authentication information of various ways is sent to transaction terminal；
Transaction terminal sends the authentication information of corresponding various ways to background server；
Background server carries out certification respectively to the authentication information of corresponding various ways, and authentication result is sent to transaction
Terminal；
Transaction terminal receives authentication result, and completes transaction according to Transaction Information in the case where certification passes through, and generates transaction knot
Really, and by transaction results send to client.
2. data processing method as claimed in claim 1, it is characterised in that also include：
Client is encrypted to the authentication information of corresponding various ways for obtaining, and by the various ways after encryption
Authentication information is sent to transaction terminal.
3. data processing method as claimed in claim 1, it is characterised in that Transaction Information is sent to transaction eventually in client
Before end, also include：
Authentication information harvester gathers the authentication information of multi-form, and the authentication information of the multi-form is sent to rear
Platform server；
Background server is selected the authentication information of the multi-form according to different transaction channels, it is determined that different transaction
Channel using authentication information in the form of.
4. data processing method as claimed in claim 3, it is characterised in that the client includes cipher input equipment, rainbow
Two kinds in film identifier, finger-print recognising instrument, face recognition instrument, sound collector and two or more；
The authentication information harvester includes cipher input equipment, iris recognition instrument, finger-print recognising instrument, face recognition instrument or sound
Two kinds in sound collector and two or more.
5. data processing method as claimed in claim 3, it is characterised in that also include：
When authentication information harvester includes finger-print recognising instrument, authentication information harvester is obtained from public security checking system and passed through
The finger print information of authentication, and will send to background server through the finger print information of authentication.
6. data processing method as claimed in claim 1, it is characterised in that also include：
Background server arranges business site white list, and the business site white list includes that the first business site is identified；
The Transaction Information includes that payment information and the second business site are identified；
Second business site is identified and is compared with the first business site mark by background server, when the second business site mark
When identical with the first business site mark, background server generates trading instruction according to payment information, and by the trading instruction
Send to transaction terminal；Transaction terminal receives trading instruction, and completes transaction according to Transaction Information；When the second business site mark
When different from the first business site mark, the certification letter of various ways of the background server according to needed for the payment information determines
Breath.
7. a kind of data handling system, it is characterised in that include：Client, transaction terminal and background server；
The client, for Transaction Information to be sent to transaction terminal；Instruction is obtained according to the authentication information and obtains corresponding
Various ways authentication information, and the authentication information of corresponding various ways is sent to transaction terminal；
The transaction terminal, for the Transaction Information to be sent to background server；The authentication information is obtained into instruction to send out
Deliver to client；The authentication information of corresponding various ways is sent to background server；Authentication result is received, and is being recognized
Card completes transaction in the case of passing through according to Transaction Information, generates transaction results, and transaction results are sent to client；
The background server, for the authentication information of the various ways needed for being determined according to the Transaction Information, according to required
The authentication information of various ways generate authentication information and obtain instruction, and the authentication information obtained into instruction send to concluding the business eventually
End；Certification respectively is carried out to the authentication information of corresponding various ways, authentication result is sent to transaction terminal.
8. data handling system as claimed in claim 7, it is characterised in that the client includes encryption equipment, for obtaining
The authentication information of the corresponding various ways for taking is encrypted；
The client is additionally operable to the authentication information of the various ways after encryption be sent to transaction terminal.
9. data handling system as claimed in claim 7, it is characterised in that the data handling system also includes：Authentication information
Harvester, for gathering the authentication information of multi-form, and the authentication information of the multi-form is sent to background service
Device；
The background server is additionally operable to：The authentication information of the multi-form is selected according to different transaction channels,
It is determined that different transaction channels using authentication information in the form of.
10. data handling system as claimed in claim 9, it is characterised in that the client includes cipher input equipment, rainbow
Two kinds in film identifier, finger-print recognising instrument, face recognition instrument, sound collector and two or more；
The authentication information harvester includes cipher input equipment, iris recognition instrument, finger-print recognising instrument, face recognition instrument or sound
Two kinds in sound collector and two or more.
11. data handling systems as claimed in claim 9, it is characterised in that the data handling system also includes：
Public security checking system, is connected with authentication information harvester, when authentication information harvester includes finger-print recognising instrument, uses
In authentication information harvester will be supplied to through the finger print information of authentication；
Authentication information harvester be additionally operable to by the finger print information through authentication obtained from public security checking system send to
Background server.
12. data handling systems as claimed in claim 7, it is characterised in that the Transaction Information includes payment information and the
Two business sites are identified；
The background server is additionally operable to：Business site white list is set, and the business site white list includes the first transaction
Website logo；Second business site mark is compared with the first business site mark, when the second business site mark and the
When one business site mark is identical, trading instruction is generated according to payment information, and the trading instruction is sent to transaction terminal；
When the second business site mark is different from the first business site mark, the various ways according to needed for the payment information determines
Authentication information；
The transaction terminal is additionally operable to：Trading instruction is received, and transaction is completed according to Transaction Information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
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| CN108133534A (en) * | 2018-01-16 | 2018-06-08 | 深圳市爱克信智能股份有限公司 | A kind of electric lock controller encryption method |
| CN108647972A (en) * | 2018-05-10 | 2018-10-12 | 中国工商银行股份有限公司 | Transaction authentication mode determines method, push server and system |
| CN109829710A (en) * | 2019-01-07 | 2019-05-31 | 中国银行股份有限公司 | Transaction processing method, self-aided terminal, client, mobile terminal, server-side and storage medium |
| CN110782143A (en) * | 2019-10-15 | 2020-02-11 | 支付宝(杭州)信息技术有限公司 | Data processing method and device |
| CN111277554A (en) * | 2018-12-05 | 2020-06-12 | 阿里巴巴集团控股有限公司 | Authentication method, device, system and storage medium |
| CN111681009A (en) * | 2020-06-08 | 2020-09-18 | 中国银行股份有限公司 | Multi-platform centralized authentication and authorization system and method, authentication and authorization and service device |
| CN112687042A (en) * | 2020-12-23 | 2021-04-20 | 中国工商银行股份有限公司 | Authentication method, authentication device and electronic equipment |
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| CN112687042B (en) * | 2020-12-23 | 2022-08-30 | 中国工商银行股份有限公司 | Authentication method, authentication device and electronic equipment |
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