CN106779662A - The processing method and financial terminal of a kind of financial business - Google Patents
The processing method and financial terminal of a kind of financial business Download PDFInfo
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- CN106779662A CN106779662A CN201611040839.3A CN201611040839A CN106779662A CN 106779662 A CN106779662 A CN 106779662A CN 201611040839 A CN201611040839 A CN 201611040839A CN 106779662 A CN106779662 A CN 106779662A
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- user terminal
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- request
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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
- G06Q20/08—Payment architectures
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
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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
- G06Q20/3821—Electronic credentials
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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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- Engineering & Computer Science (AREA)
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Abstract
The present invention relates to the method for processing business and financial terminal of a kind of financial terminal, the method includes：The initiation of services request that user terminal sends is received, and responds the initiation of services request, confirm that communication has been connected in order to the user terminal；The authentication information that the user terminal sends after communication connection is confirmed is received, and the authentication information is verified；If being verified, by the financial terminal being connected with the user terminal can Transaction Information return to the user terminal；Wherein, the financial terminal no interactions equipment；Receive the user terminal according to can the transaction request that sends of Transaction Information, and the transaction request is processed, result is back to the user terminal.The present invention is transferred to user and is completed in user terminal by the operation that will originally need user to be completed in the interactive device of financial terminal, efficiently solves user when using financial terminal, and the compromised problem of information improves the security of user profile.
Description
Technical field
The invention belongs to technical field of financial equipment, more particularly to a kind of financial business processing method and financial terminal.
Background technology
With the progress of lawless person's technological means, user and financial terminal, such as ATM, automatic cash dispenser, from
Dynamic automatic teller machine etc., in interacting operation, has a larger potential safety hazard, for example using terminal display screen or during touch screen
The password stroke device for spied on by people, using is added robber's card device, consequently, it is possible to causing user's fund to be stolen by lawless person.
It can be seen that, when using existing financial terminal, the security of subscriber data and information is relatively low with confidentiality.
The content of the invention
The purpose of the embodiment of the present invention is to provide a kind of processing method of financial business, it is intended to which solution is used in the prior art
Family when using financial terminal, Information Security and the low problem of confidentiality.
The first aspect of the embodiment of the present invention, there is provided a kind of processing method of financial business, methods described includes：
The initiation of services request that user terminal sends is received, and responds the initiation of services request, in order to the user
Terminal check communication has been connected；
The authentication information that the user terminal sends after communication connection is confirmed is received, and the authentication information is tested
Card；
If being verified, by the financial terminal being connected with the user terminal can Transaction Information return to the user
Terminal；Wherein, the financial terminal no interactions equipment；
Receive the user terminal according to can the transaction request that sends of Transaction Information, and the transaction request is carried out
Treatment, the user terminal is back to by result.
Second aspect, there is provided a kind of financial terminal, the terminal includes：
Communication connection confirmation unit, receives the initiation of services request that user terminal sends, and responds the initiation of services and ask
Ask, confirm that communication has been connected in order to the user terminal；
Authentication information authentication unit, receives the authentication information that the user terminal sends after communication connection is confirmed, and right
The authentication information is verified；
Can Transaction Information provide unit, if being verified, by handing over for the financial terminal being connected with the user terminal
Easy information returns to the user terminal；
Transaction request processing unit, receive the user terminal according to can Transaction Information transmission transaction request, and
The transaction request is processed, result is back to the user terminal.
The embodiment of the present invention will originally need the operation that user completes in the interactive device of financial terminal, is transferred to user and exists
User terminal is completed, thus is not easy to spy on Transaction Information and content by lawless person；And user terminal is not secured to hand over
It is to follow the conversion of user and convert in mutual equipment, thus avoids installing robber's card device additional by lawless person, prevents account password
Leakage.The embodiment of the present invention efficiently solves user when using financial terminal, there is a problem of larger potential safety hazard, carries
The high security and confidentiality of user profile.
Brief description of the drawings
Technical scheme in order to illustrate more clearly the embodiments of the present invention, below will be to embodiment or description of the prior art
Needed for the accompanying drawing to be used be briefly described, it should be apparent that, drawings in the following description are only more of the invention
Embodiment, for those of ordinary skill in the art, without having to pay creative labor, can also be according to these
Accompanying drawing obtains other accompanying drawings.
Fig. 1 is a kind of flow chart of the method for processing business of financial terminal provided in an embodiment of the present invention；
Fig. 2 is a kind of flow chart of the method for processing business of financial terminal that another embodiment of the present invention is provided；
Fig. 3 is a kind of interaction diagrams of the method for processing business of financial terminal provided in an embodiment of the present invention；
Fig. 4 is a kind of structured flowchart of financial terminal provided in an embodiment of the present invention；
Fig. 5 is a kind of structured flowchart of financial terminal that another embodiment of the present invention is provided.
Specific embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, it is right below in conjunction with drawings and Examples
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
The embodiment of the present invention is based primarily upon using the financial terminal of no interactions equipment, and interactive operation content is transferred into user
In terminal, the security of operation is improved.
In the present embodiment, the executive agent of flow is financial terminal, and the financial terminal includes but is not limited to take automatically
The financial terminal equipments such as money machine, automatic cash dispenser, automatic storage money machine, self-help charger, passbook update machine.
What Fig. 1 showed the processing method of financial business provided in an embodiment of the present invention realizes flow, and details are as follows：
In S101, the initiation of services request that user terminal sends is received, and respond the initiation of services request, in order to
The user terminal confirms that communication has been connected.
Financial terminal receives the initiation of services request that user terminal is initiated by wireless network or cable network；Finance
Terminal receive start request after, judge whether the request legal, it is described it is legal be the solicited message form and content with gold
The standard information form and content melted in terminal data memory match.If service request is legal, open responding the business
Dynamic request；Conversely, being then not responding to the request or informing that the user terminal request is invalid.
The content of response initiation of services request includes：Feedback communication has connected and has required user input authentication information
Deng.User terminal, it is necessary to carry out response within the predetermined time, that is, is input into its authentication information after the response is received.If
In the given time, financial terminal does not receive response message, then judge that initiation of services request is invalid, disconnects, and discharges
Take resource.
In S102, the authentication information that the user terminal sends after communication connection is confirmed is received, and to the certification
Information is verified.
The authentication information form is various, and the information with certification user identity can be used as authentication information.Input authentication
The step for information, needs user to be completed in its user terminal, after the completion of, confirm that the information is errorless concurrent within the predetermined time
Send.After financial terminal receives the authentication information, the authentication information is verified.If being proved to be successful, next step operation is carried out；
If authentication failed, it is required that user's input authentication information again.If authentification failure number reaches predetermined threshold, forbid user end
The initiation of services at end is asked and disconnected, release busy resource.
Citing ground, the authentication information can be user account and password, and financial terminal is receiving the account and encrypted message
Afterwards, judge the information whether with memory in authentication list in information matches, the authentication list be used for preserve institute it is useful
The account number cipher information at family.
Citing ground, the authentication information can be the finger print information of user, and financial terminal receives the finger print information of user's transmission,
Judge that the finger print information whether there is corresponding validated user.
Citing ground, the authentication information can be the video information of user, by the video capture unit of user terminal to
Family carries out captured in real-time, gathers the facial information of user, and after financial terminal receives the video information, inquiry is stored in financial terminal
In facial information list, find matching one.
In S103, if being verified, the financial terminal that will be connected with the user terminal can Transaction Information return
To the user terminal；Wherein, the financial terminal is no interactions equipment.
Each financial terminal have its it is corresponding can Transaction Information content, can transaction content include but is not limited to withdrawal business,
Deposit business, transferred account service, Modify password business, inquiry business, passbook update business, fee payment service, Investment ＆ Financing business etc.
The accessible business of financial terminal.Exemplarily, for ATM, can transaction content include withdrawal business, inquiry business,
Transferred account service etc., but do not include deposit business.Therefore, if the authentication information of user is verified, next step is sought into industry
Business operation, financial terminal need that it can be completed can Transaction Information be sent to user, allow user in the scope of business that can be concluded the business
Interior selection user needs requests transaction content.
Due to the financial terminal in the embodiment of the present invention do not have interactive device, therefore, the input operation of user and really
Recognizing operation needs to be completed in user terminal.Wherein, interactive device keys in disk etc. including display screen, touch screen and password has interaction
The equipment at interface.
In S104, receive the user terminal according to can Transaction Information transmission transaction request, and to the friendship
Easily request is processed, and result is back into the user terminal.
Whether financial terminal is after the transaction request for receiving user, it is necessary to first examine the transaction request can Transaction Information
In the range of, if then respond this and asking and processing；Conversely, then inform user terminal, the request is beyond can trading range, it is desirable to weight
It is new to send transaction request.
The transaction request that user sends can be single, or multiple.For single transaction request, financial terminal
Directly the request is processed；For multiple transaction requests, according to priority sequentially can successively locate according to different treatment rules
Reason, priority transaction request high is first processed, and after the completion of request treatment, result is sent to user terminal, is then located again
Manage the transaction request of next priority.Citing ground, according to service selection sequencing, the service priority for first selecting is high, selects afterwards
The service priority selected is low, is arranged in order；Citing ground, such as inquiry business is preferential according to service priority set in advance sequentially
Level is for 1, deposit business is 2 successively to All Activity traffic set priority label, according to priority label numeral from small to large
Sequentially process.
Beyond the maximum handling duration of regulation, then this still exists the treatment transaction request to need transmission information to inform user terminal
The transaction request is processed, confirms that financial terminal is in normal operating conditions in order to user；User terminal is in predetermined wait
In long, the result of financial terminal is not received, do not receive transaction message still in processes yet, user terminal interface
Transaction is interrupted button and will be lighted, you can selection stops the transaction, and financial terminal will stop the request after suspended market order is received
Treatment, and by the information data of associated user be restored to request before processing data.
The embodiment of the present invention will originally need the operation that user completes in the interactive device of financial terminal, is transferred to user and exists
User terminal is completed, thus is not easy to spy on Transaction Information and content by lawless person；And user terminal is not secured to hand over
It is to follow the conversion of user and convert in mutual equipment, thus avoids installing robber's card device additional by lawless person, prevents account password
Leakage.The embodiment of the present invention efficiently solves user when using financial terminal, there is a problem of larger potential safety hazard, carries
The high security and confidentiality of user profile.On the other hand, must be on financial terminal except the business for needing user's request
Complete outer, such as deposit business is stored, it is necessary to put cash into financial terminal, and user can all be operated at a distance, this
Mode, realizes the service request that single financial terminal processes multiple users simultaneously, improves the treatment effeciency of financial terminal.
Fig. 2 shows a kind of flow chart of the method for processing business of financial terminal that another embodiment of the present invention is provided.Ginseng
As shown in Figure 2, relative to a upper embodiment, a kind of method for processing business of financial terminal that the present embodiment is provided further is limited
It is described to receive the initiation of services request that user terminal sends, and the initiation of services request is responded, in order to user's end
End confirms two kinds of different implementations that communication has been connected, and details are as follows：
Further, as an alternative embodiment of the invention, the initiation of services request that user terminal sends is received, and ring
Answer the initiation of services to ask, confirm that communication has been connected specially in order to the user terminal：
In S201, the first communication connection directly is set up with the user terminal, received by the described first communication connection
The initiation of services request that the user terminal sends, and the initiation of services request is responded by the described first communication connection, with
It is easy to the user terminal to confirm that communication has been connected.
Financial terminal has communication function, is led to user terminal by wireless communication unit or Landline communication unit
Letter.Corresponding, user terminal can be wireless terminal, for example mobile phone, panel computer, laptop computer etc., or be wired end
End, such as landline telephone, the computer for accessing cable network etc..By internet, financial terminal is set up with user terminal and is connected, and uses
Family is direct to the financial terminal initiating business request for being connected, after financial terminal receives the solicited message of the user, to the information
Respond.User confirms that communication connection is errorless after the response message for receiving financial terminal, continues service request operation.
Citing ground, the financial terminal has wireless communication unit, and the user terminal is wireless terminal.User needs hair
When playing service request, solicited message is sent to financial terminal by wireless terminal device.User can be by the mark of financial terminal
Know number, the information with identity such as Quick Response Code, IP address is selected to a certain financial terminal initiating business request；Also may be used
With by the range of the LAN of a certain financial terminal, to the financial terminal initiating business request.
Citing ground, the financial terminal has Landline communication unit, and the user terminal is catv terminal.User needs hair
When playing service request, solicited message is sent to financial terminal by line termination unit.User can be dialed by landline telephone
The number of financial terminal sets up communication request, and financial terminal responds the communication request, after user receives response message, confirms logical
Letter successful connection.
In the embodiment of the present invention, the initiation of the business of realization and follow-up behaviour are joined directly together by user terminal and financial terminal
Make.Because user terminal and financial terminal are the relations of direct communication, therefore the setup time of communication link is shorter, improves business
Operating efficiency.And the link is direct connected link, not by third party's mediation communication unit, Content of Communication will be reduced and be stolen
And the risk of leakage.
Further, as an alternative embodiment of the invention, the initiation of services request that user terminal sends is received, and ring
Answer the initiation of services to ask, confirm that communication has been connected specially in order to the user terminal：
In S202, set up by third party's mediation communication unit and communicated to connect with the user terminal second, by institute
State the second communication connection and receive the initiation of services request that the user terminal sends, and institute is responded by the described second communication connection
Initiation of services request is stated, confirms that communication has been connected in order to the user terminal.
Third party's mediation communication unit can be the IDC (Internet of financial business administrative center or financial institution
Data Center, Internet data center) etc. the data agent unit with management function.Belong to same local finance
Terminal is connected by wireless network or wired netting twine with third party's mediation communication unit.User needs initiating business request
When, directly being sent to the mediation communication unit and asked, mediation communication unit is closed according to user and the matching degree of financial terminal, distribution
Suitable financial terminal responds initiation of services request.
Citing ground, contains the positional information of user in the initiation of services solicited message of user, mediation communication unit according to
The customer position information, is found from the closest financial terminal in the address location, and initiation of services request is sent to the gold
Melt terminal, the financial terminal is responded after receiving initiation of services request, so far, communication link is set up and completed.
Citing ground, contains the identification code of financial terminal, mediation communication unit root in the initiation of services solicited message of user
According to the identification code that the user provides, corresponding financial terminal is inquired about, if in the presence of the financial terminal of the identification code, the business is opened
Dynamic request is sent to the financial terminal, financial terminal response initiation of services request；If not existing the corresponding finance of the identification code
Terminal, then return to the identification code and do not exist, it is desirable to which user is re-entered or system is distributed automatically.
In the embodiment of the present invention, user is connected by third party's mediation communication unit with financial terminal, reaches financial terminal
Effective utilization of resource.The service condition of coupled financial terminal can be inquired about due to third party's mediation communication unit, can be by
The idle or less financial terminal of queuing number is distributed to user and is used, and so as to reduce the stand-by period of user, improves
The utilization rate of financial terminal resource.
Further, as an alternative embodiment of the invention, can be concluded the business according to letter the user terminal is received
The transaction request for sending is ceased, and the transaction request is processed, before result is back into the user terminal also
Including：
In S205, communicated with other financial terminals in same LAN, obtained described other finance eventually
End can Transaction Information, and by other financial terminals can Transaction Information be back to the user terminal.
Communicated between financial terminal, can be logical with P2P (Peer-to-peer networking, peer-to-peer network) networking
Letter, it is also possible to which the server with place site exists in the way of C/S frameworks (client-server structure) networking.
When between financial terminal be P2P networking modes when, the financial terminal that financial terminal can be inquired about directly in networking can
Transaction Information content.Preferably, can by each financial terminal can Transaction Information content be stored in locally, next time inquiry when, if
Certain financial terminal can Transaction Information when changing, then send modification instruction, other financial terminals not changed
This query statement is not responding to, that is, sending the financial terminal of query statement need to only change the content of change, without collecting again
Every other terminal can Transaction Information.
When between financial terminal for the networking mode of C/S frameworks, financial terminal inquires about other finance eventually to server request
End can Transaction Information, after server receives inquiry request, can transaction content be sent to the financial terminal.Preferably, service
Device by preserve in memory each financial terminal can transaction content, and examined in certain intervals can transaction content whether have and change
Become, if in modification list if having correspondence financial terminal can Transaction Information.
User is receiving and can choose whether to continue to be connected with the financial terminal, if then carrying out next step after Transaction Information
Operation；If selecting other financial terminals to process the request, disconnection and the connection of the financial terminal and to the finance of customer selecting
Terminal sends initiation of services request, continues executing with subsequent operation.
In the present embodiment, can be with interconnected communication between financial terminal, exchange itself can Transaction Information.As long as user terminal
It is connected with wherein one, the Transaction Information of multiple financial terminals can be obtained, and operated in same financial terminal.Citing
Ground, certain financial terminal can only realize the deposit or the withdrawal function, it is impossible to process the business of Investment ＆ Financing.But it is another in its LAN
Financial terminal then possesses the business function of the Investment ＆ Financing.User can do in the financial terminal for only having the deposit or the withdrawal function
Manage the business of Investment ＆ Financing, it is also possible to which the financial terminal for choosing Investment ＆ Financing business is handled.It can be seen that, by the letter of financial terminal
Breath interconnection, improves the efficiency of business handling, it is to avoid user repeats the problem queued up.
Further, as an alternative embodiment of the invention, the result is being back to the user terminal
Also include before：
In S208, digital encryption treatment is carried out to the result.
Encryption include being encrypted the data of result or carry out data transmission using private communication channel or
The processing mode that both combine.
Citing ground, with financial terminal after confirming that foundation communicates, financial terminal will send a key information to user terminal.
User terminal is decrypted after the result for receiving encryption using the secret key pair information.Preferably, user terminal and finance
In all interactions that terminal check is set up after communication, information is encrypted.
Citing ground, financial terminal adds digital watermarking to result.Preferably, financial terminal after processing is completed, root
Electronic certificate is produced according to the result, and digital watermarking is added to electronic certificate, the electronic certificate is sent to user terminal.
Because digital watermarking has stronger anti-distort and security, it is adapted to financial business for confidentiality and security number higher
According to transmission.
In the present embodiment, result is by encryption, it is therefore prevented that lawless person's steal information or malice distort information.Carry
High security and confidentiality of the user with financial terminal transaction.
It should be noted that in the present embodiment S203, S204, S206, S207 and S209 due to embodiment illustrated in fig. 1 in
S102, S103 and S104 to implement process identical, therefore repeat no more in this embodiment.
Exemplarily, Fig. 3 shows the interaction flow of the method for processing business of financial terminal provided in an embodiment of the present invention
Figure, in the interaction flow, the interactive both sides of flow are mainly financial terminal and are communicated to connect therebetween with user terminal, pass through
It is input into and confirms that operation is completed in user terminal, the safety problem such as information easy leakage during so as to solving using financial terminal,
Improve the security and confidentiality of subscriber data.
It should be understood that the size of the sequence number of each step is not meant to the priority of execution sequence, each process in above-described embodiment
Execution sequence should determine that the implementation process without tackling the embodiment of the present invention constitutes any limit with its function and internal logic
It is fixed.
Fig. 4 shows the structured flowchart of financial terminal provided in an embodiment of the present invention, and the terminal is used to perform real shown in Fig. 1
The method that example offer is provided.For convenience of description, illustrate only part related to the present embodiment.
Reference picture 4, the financial terminal includes：
Communication connection confirmation unit 41, receives the initiation of services request that user terminal sends, and respond the initiation of services
Request, confirms that communication has been connected in order to the user terminal；
Authentication information authentication unit 42, receives the authentication information that the user terminal sends after communication connection is confirmed, and
The authentication information is verified；
Can Transaction Information provide unit 43, if being verified, the financial terminal that will be connected with the user terminal can
Transaction Information returns to the user terminal；
Transaction request processing unit 44, receive the user terminal according to can Transaction Information transmission transaction request,
And the transaction request is processed, result is back to the user terminal.
Specifically, it is described communication connection confirmation unit specifically for：
The first communication connection directly is set up with the user terminal, user's end is received by the described first communication connection
The initiation of services request for sending is held, and the initiation of services is responded by the described first communication connection and asked, in order to the use
Family terminal check communication has been connected.
Specifically, it is described communication connection confirmation unit specifically for：
Set up by third party's mediation communication unit and communicated to connect with the user terminal second, communicated by described second
Connection receives the initiation of services request that the user terminal sends, and responds the initiation of services by the described second communication connection
Request, confirms that communication has been connected in order to the user terminal.
Alternatively, shown in Figure 5, in another embodiment, the financial terminal in the embodiment is used for shown in service chart 2
The method that embodiment is provided, the financial terminal also includes：
Information acquisition unit 53, for being communicated with other financial terminals in same LAN, obtains described
Other financial terminals can Transaction Information, and by other financial terminals can Transaction Information be back to the user terminal.
Alternatively, in another embodiment, the financial terminal also includes：
Digital encryption unit 56, for carrying out digital encryption treatment to the result.
It should be noted that in embodiment illustrated in fig. 5 51,52,54 and 55 due to embodiment illustrated in fig. 4 in 41,42,
43 is identical with 44 concrete functions, therefore repeats no more in this embodiment.
It should be noted that the present embodiment provide financial terminal in unit due to the inventive method embodiment
Based on same design, the technique effect that it brings is identical with the inventive method embodiment, and particular content can be found in the inventive method
Narration in embodiment, here is omitted.
Therefore, financial terminal provided in an embodiment of the present invention equally will can originally need interaction of the user in financial terminal
The operation that equipment is completed, is transferred to user and is completed in user terminal, thus is not easy to spy on Transaction Information and interior by lawless person
Hold；It is to follow the conversion of user and convert and user terminal is not secured on interactive device, thus avoids by illegal point
Son installs robber's card device additional, prevents account password from revealing.On the other hand, because the financial terminal does not need interactive device, relatively
In the equipment similar with the financial terminal, cost is lower.And generally, interactive device later strength is weaker, no
Method molecule easily directly destroys interactive device to steal the cash of financial terminal storage.And the application is due to no interactions equipment, because
This improves anti-theft and security.
It is apparent to those skilled in the art that, for convenience of description and succinctly, only with above-mentioned each work(
Energy unit, the division of module are carried out for example, in practical application, as needed can distribute by different above-mentioned functions
Functional unit, module are completed, will the internal structure of described device be divided into different functional unit or modules, more than completion
The all or part of function of description.Each functional unit, module in embodiment can be integrated in a processing unit, also may be used
Being that unit is individually physically present, it is also possible to which two or more units are integrated in a unit, above-mentioned integrated
Unit can both be realized in the form of hardware, it would however also be possible to employ the form of SFU software functional unit is realized.In addition, each function list
Unit, the specific name of module are also only to facilitate mutually differentiation, is not limited to the protection domain of the application.Said system
The specific work process of middle unit, module, may be referred to the corresponding process in preceding method embodiment, will not be repeated here.
Those of ordinary skill in the art are it is to be appreciated that the list of each example described with reference to the embodiments described herein
Unit and algorithm steps, can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
Performed with hardware or software mode, depending on the application-specific and design constraint of technical scheme.Professional and technical personnel
Described function, but this realization can be realized it is not considered that exceeding using distinct methods to each specific application
The scope of the present invention.
In embodiment provided by the present invention, it should be understood that disclosed apparatus and method, can be by other
Mode is realized.For example, system embodiment described above is only schematical, for example, the division of the module or unit,
It is only a kind of division of logic function, there can be other dividing mode when actually realizing, such as multiple units or component can be with
With reference to or be desirably integrated into another system, or some features can be ignored, or not perform.It is another, it is shown or discussed
Coupling each other or direct-coupling or communication connection can be by some interfaces, the INDIRECT COUPLING of device or unit or
Communication connection, can be electrical, mechanical or other forms.
The unit that is illustrated as separating component can be or may not be it is physically separate, it is aobvious as unit
The part for showing can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple
On NE.Some or all of unit therein can be according to the actual needs selected to realize the mesh of this embodiment scheme
's.
In addition, during each functional module in each embodiment of the invention can be integrated in a processing unit, it is also possible to
It is that modules are individually physically present, it is also possible to which two or more modules are integrated in a unit.Above-mentioned integrated list
Unit can both be realized in the form of hardware, it would however also be possible to employ the form of SFU software functional unit is realized.
If the integrated unit is to realize in the form of SFU software functional unit and as independent production marketing or use
When, can store in a computer read/write memory medium.Based on such understanding, the technical scheme of the embodiment of the present invention
The part for substantially being contributed to prior art in other words or all or part of the technical scheme can be with software products
Form embody, the computer software product is stored in a storage medium, including some instructions are used to so that one
Computer equipment (can be personal computer, server, or network equipment etc.) or processor (processor) perform this hair
The all or part of step of bright embodiment each embodiment methods described.And foregoing storage medium includes：USB flash disk, mobile hard disk,
Read-only storage (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic
Dish or CD etc. are various can be with the medium of store program codes.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although with reference to foregoing reality
Example is applied to be described in detail the present invention, it will be understood by those within the art that：It still can be to foregoing each
Technical scheme described in embodiment is modified, or carries out equivalent to which part technical characteristic；And these are changed
Or replace, do not make the spirit and scope of the essence disengaging various embodiments of the present invention technical scheme of appropriate technical solution, all should
It is included within protection scope of the present invention.
Claims (10)
1. a kind of processing method of financial business, it is characterised in that methods described includes：
The initiation of services request that user terminal sends is received, and responds the initiation of services request, in order to the user terminal
Confirm that communication has been connected；
The authentication information that the user terminal sends after communication connection is confirmed is received, and the authentication information is verified；
If being verified, by the financial terminal being connected with the user terminal can Transaction Information return to user's end
End；Wherein, the financial terminal is no interactions equipment；
Receive the user terminal according to can Transaction Information send transaction request, and to the transaction request at
Reason, the user terminal is back to by result.
2. the processing method of financial business as claimed in claim 1, it is characterised in that：It is described to receive the industry that user terminal sends
Business starts request, and responds the initiation of services request, and confirming that communication has been connected in order to the user terminal specifically includes：
The first communication connection directly is set up with the user terminal, receiving the user terminal by the described first communication connection sends out
The initiation of services for sending is asked, and responds the initiation of services request by the described first communication connection, in order to user's end
End confirms that communication has been connected.
3. the processing method of financial business as claimed in claim 1, it is characterised in that the industry that the reception user terminal sends
Business starts request, and responds the initiation of services request, and confirming that communication has been connected in order to the user terminal specifically includes：
Set up by third party's mediation communication unit and communicated to connect with the user terminal second, communicated to connect by described second
The initiation of services request that the user terminal sends is received, and the initiation of services is responded by the described second communication connection and asked
Ask, confirm that communication has been connected in order to the user terminal.
4. the processing method of financial business as claimed in claim 2 or claim 3, it is characterised in that the reception user terminal
According to it is described can the transaction request that sends of Transaction Information, and the transaction request is processed, result is back to institute
Also include before stating user terminal：
Communicated with other financial terminals in same LAN, obtained the concluded the business letter of other financial terminals
Breath, and by other financial terminals can Transaction Information be back to the user terminal.
5. the processing method of financial business as claimed in claim 4, it is characterised in that be back to the result described
Also include before user terminal：
Digital encryption treatment is carried out to the result.
6. a kind of financial terminal, it is characterised in that the financial terminal is no interactions equipment；The financial terminal includes：
Communication connection confirmation unit, receives the initiation of services request that user terminal sends, and responds the initiation of services request, with
It is easy to the user terminal to confirm that communication has been connected；
Authentication information authentication unit, receives the authentication information that the user terminal sends after communication connection is confirmed, and to described
Authentication information is verified；
Can Transaction Information provide unit, if being verified, the concluded the business letter of the financial terminal that will be connected with the user terminal
Breath returns to the user terminal；
Transaction request processing unit, receive the user terminal according to can Transaction Information transmission transaction request, and to institute
State transaction request to be processed, result is back to the user terminal.
7. financial terminal as claimed in claim 6, it is characterised in that：It is described communication connection confirmation unit specifically for：
The first communication connection directly is set up with the user terminal, receiving the user terminal by the described first communication connection sends out
The initiation of services for sending is asked, and responds the initiation of services request by the described first communication connection, in order to user's end
End confirms that communication has been connected.
8. financial terminal as claimed in claim 6, it is characterised in that the communication connection confirmation unit specifically for：
Set up by third party's mediation communication unit and communicated to connect with the user terminal second, communicated to connect by described second
The initiation of services request that the user terminal sends is received, and the initiation of services is responded by the described second communication connection and asked
Ask, confirm that communication has been connected in order to the user terminal.
9. financial terminal as claimed in claim 7 or 8, it is characterised in that also include：
Information acquisition unit, for being communicated with other financial terminals in same LAN, obtains described other gold
Melt terminal can Transaction Information, and by other financial terminals can Transaction Information be back to the user terminal.
10. financial terminal as claimed in claim 9, it is characterised in that also include：
Digital encryption unit, for carrying out digital encryption treatment to the result.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611040839.3A CN106779662A (en) | 2016-11-18 | 2016-11-18 | The processing method and financial terminal of a kind of financial business |
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| CN201611040839.3A CN106779662A (en) | 2016-11-18 | 2016-11-18 | The processing method and financial terminal of a kind of financial business |
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| CN201611040839.3A Pending CN106779662A (en) | 2016-11-18 | 2016-11-18 | The processing method and financial terminal of a kind of financial business |
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Application publication date: 20170531 |