CN107086919B - Transaction signature method and system - Google Patents
Transaction signature method and system Download PDFInfo
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- CN107086919B CN107086919B CN201710193724.6A CN201710193724A CN107086919B CN 107086919 B CN107086919 B CN 107086919B CN 201710193724 A CN201710193724 A CN 201710193724A CN 107086919 B CN107086919 B CN 107086919B
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures
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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
- G06Q20/3825—Use of electronic signatures
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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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
Abstract
The invention is suitable for the technical field of communication, and provides a transaction signature method and a system, wherein the transaction signature method comprises the following steps: acquiring user account information sent by a financial machine; based on the user account information, sending a connection request to a mobile terminal corresponding to the user account information; receiving feedback information of the mobile terminal for confirming connection; confirming whether to send a signature notification to the mobile terminal based on the feedback information; if the sending is confirmed, after the signature notification is sent, the signature information sent by the mobile terminal is obtained, and the signature information is sent to the financial machine tool, so that the financial machine tool can complete the transaction according to the signature information, and the running cost of a financial institution can be reduced through the method.
Description
Technical Field
The invention belongs to the technical field of communication, and particularly relates to a transaction signature method and a transaction signature system.
Background
The financial machines and tools refer to machines and tools used by financial institutions such as banks in daily life, such as anti-counterfeiting cash counters, currency detectors, counter counters, intelligent terminals, coin sorting machines, paper currency sorting machines, money bundling machines, paper shredders, identity card identifiers and the like.
In existing financial transactions, a user is often required to perform signature verification. Such as a user going to a bank to transact a deposit procedure or other procedure, requires signature verification. The existing signature verification process usually requires a user to sign a paper document, paper is wasted, the environment is not protected, and some financial institutions can connect a handwriting board in a system of a financial machine and verify or store electronic signatures of the user through the handwriting board. The cost of a writing pad is higher than that of a paper document. Whether paper documents or writing pads, the running cost of the financial institution is increased invisibly.
Disclosure of Invention
In view of this, embodiments of the present invention provide a transaction signature method and system, so as to solve the problem in the prior art that the cost of a financial institution is increased due to the use of a paper document or a handwriting board to confirm and store a user's signature.
The embodiment of the invention is realized in such a way that a transaction signature method comprises the following steps:
acquiring user account information sent by a financial machine;
based on the user account information, sending a connection request to a mobile terminal corresponding to the user account information;
receiving feedback information of the mobile terminal for confirming connection;
confirming whether to send a signature notification to the mobile terminal based on the feedback information;
and if the sending is confirmed, after the signature notification is sent, obtaining the signature information sent by the mobile terminal, and sending the signature information to the financial machine tool so that the financial machine tool can complete the transaction according to the signature information.
Further, when the feedback information includes password information and/or a location of the mobile terminal, the confirming whether to send the signature notification to the mobile terminal based on the feedback information includes:
comparing the password information with preset password information, and if the password information is the same as the preset password information, sending a signature notification to the mobile terminal;
alternatively, the first and second electrodes may be,
comparing the position with a preset area, and if the position is within the range of the preset area, sending a signature notification to the mobile terminal;
alternatively, the first and second electrodes may be,
and comparing the password information with preset password information, comparing the position with a preset area, and if the password information is the same as the preset password information and the position is within the range of the preset area, sending a signature notice to the mobile terminal.
Further, the acquiring the signature information sent by the mobile terminal and sending the signature information to the financial instrument includes:
comparing the signature information sent by the mobile terminal with pre-stored signature characteristic information;
and if the similarity of the signature information sent by the mobile terminal and the pre-stored signature characteristic information in comparison is within a preset similarity threshold range, sending the signature information to the financial machine tool.
Another object of an embodiment of the present invention is to provide a transaction signature method, including:
acquiring a connection request sent by a server;
after a connection confirmation instruction is detected, sending feedback information for confirming connection to a server;
after receiving a signature notification sent by a server, acquiring signature information;
and sending the signature information to a server.
Further, after the connection confirmation instruction is detected, sending feedback information for confirming the connection to the server includes:
acquiring password information input by a user, and sending the password information to a server;
and/or the presence of a gas in the gas,
and acquiring the position of the mobile terminal, and sending the position of the mobile terminal to a server.
Further, the transaction signature method further comprises:
when a signature notification is received for the first time, extracting and recording feature information of a signature input by a user;
and sending the signature characteristic information to a server to be used as preset signature characteristic information for storage.
Another object of an embodiment of the present invention is to provide a server, including:
the acquisition unit is used for acquiring user account information sent by the financial machine;
a connection request sending unit, configured to send a connection request to a mobile terminal corresponding to the user account information based on the user account information;
a feedback information receiving unit for receiving feedback information of the connection confirmation of the mobile terminal;
a signature notification sending unit configured to confirm whether to send a signature notification to the mobile terminal based on the feedback information;
and the signature information processing unit is used for acquiring the signature information sent by the mobile terminal after the signature notification is sent if the sending is confirmed, and sending the signature information to the financial machine tool so that the financial machine tool can complete the transaction according to the signature information.
Further, when the feedback information includes password information and/or a location of the mobile terminal, the signature notification sending unit further includes:
the password comparison module is used for comparing the password information with preset password information, and if the password information is the same as the preset password information, a signature notification is sent to the mobile terminal;
or the like, or, alternatively,
the position comparison module is used for comparing the position with a preset area, and if the position is within the range of the preset area, a signature notification is sent to the mobile terminal;
or the like, or, alternatively,
the password position comparison module is used for comparing the password information with preset password information and comparing the position with a preset area, and if the password information is the same as the preset password information and the position is within the range of the preset area, a signature notification is sent to the mobile terminal;
the signature information processing unit further includes:
the matching module is used for matching the signature information sent by the mobile terminal with pre-stored signature characteristic information;
and the signature information sending module is used for sending the signature information to the financial machine if the similarity of the signature information sent by the mobile terminal and the pre-stored signature characteristic information in comparison is within a preset similarity threshold range.
Another object of an embodiment of the present invention is to provide a mobile terminal, including:
a connection request acquisition unit, configured to acquire a connection request sent by a server;
the feedback information sending unit is used for sending feedback information for confirming connection to the server after the connection confirmation instruction is detected;
the signature information acquisition unit is used for acquiring signature information after receiving a signature notification sent by the server;
and the signature information sending unit is used for sending the signature information to a server.
Further, the mobile terminal further includes:
the extraction recording unit is used for extracting and recording the characteristic information of the signature input by the user when the signature notification is received for the first time;
the characteristic information sending unit is used for sending the characteristic information of the signature to the server as pre-stored signature characteristic information for storage;
the feedback information transmitting unit includes:
the password information processing unit is used for acquiring password information input by a user and sending the password information to the server;
and/or the presence of a gas in the gas,
and the position processing unit is used for acquiring the position of the mobile terminal and sending the position of the mobile terminal to the server.
Another object of an embodiment of the present invention is to provide a transaction signature system, which includes a financial instrument, a server, and a mobile terminal:
the financial tool is used for sending account information to the server;
the server is used for sending a connection request and a signature notice to the mobile terminal;
the mobile terminal is used for sending feedback information for confirming connection and signature information to the server;
the server is also used for sending the signature information sent by the mobile terminal to the financial machine tool;
the financial instrument is further configured to complete a transaction based on the signature information sent by the server.
Compared with the prior art, the embodiment of the invention has the following beneficial effects: in the embodiment of the invention, the financial machine sends the user account information to the server, the server sends the connection request to the mobile terminal corresponding to the user account information based on the user account information, after the mobile terminal detects the connection confirmation instruction, sending feedback information confirming the connection to the server, the server confirming whether to send the signature notification to the mobile terminal based on the feedback information, if the sending is confirmed, the server acquires the signature information sent by the mobile terminal after sending the signature notification and sends the signature information to the financial machine, so that the financial machines complete the transaction according to the signature information, the whole transaction process does not need the financial institution to provide paper pens or handwriting boards, the cost of the financial institution is reduced, meanwhile, the user only needs to sign on the mobile terminal of the user, so that the transaction is more convenient and faster.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
Fig. 1 is a system architecture diagram of a transaction signature system according to an embodiment of the present invention;
fig. 2 is a flowchart of a transaction signature method on a server side according to an embodiment of the present invention;
fig. 3 is a flowchart of a transaction signature method at a mobile terminal according to an embodiment of the present invention;
FIG. 4 is an interaction flow diagram of a transaction signature method according to an embodiment of the present invention;
fig. 5 is a block diagram of a server according to an embodiment of the present invention;
fig. 6 is a block diagram of a mobile terminal according to an embodiment of the present invention.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the invention. It will be apparent, however, to one skilled in the art that the present invention may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, circuits, and methods are omitted so as not to obscure the description of the present invention with unnecessary detail.
In order to explain the technical means of the present invention, the following description will be given by way of specific examples.
Example one：
Fig. 1 is a system architecture diagram illustrating a transaction signature system according to a first embodiment of the present invention, which is detailed as follows: for convenience of explanation, only portions related to the embodiments of the present invention are shown.
Referring to fig. 1, the transaction signature system includes a financial instrument 1, a server 2, and a mobile terminal 3, wherein:
the financial machine 1 is used for sending account information to the server 2.
The server 2 is configured to send a connection request and a signature notification to the mobile terminal 3.
The mobile terminal 3 is configured to send feedback information for confirming connection and signature information to the server 2.
The server 2 is also used for sending the signature information sent by the mobile terminal 3 to the financial tool 1.
The financial instrument 1 is also used to complete a transaction based on the signature information sent by the server 2.
Specifically, the mobile terminal includes, but is not limited to, a mobile terminal with a communication capability, such as a mobile phone, a notebook, a tablet computer, and the like. The plurality of mobile terminals 3 may be connected to the server 2 by a wired method or a wireless method.
Optionally, the transaction signature system may establish wireless connection between the server 2 and the plurality of mobile terminals 3 by using a bluetooth technology, a WIFI technology, a 3G/4G technology, or the like, or may establish wired connection between the server 2 and the mobile terminals 3 by using a serial port technology, a USB interface technology, or the like.
In the first embodiment of the invention, the financial machine tool sends the user account information to the server, the server sends a connection request to the mobile terminal corresponding to the user account information based on the user account information, the mobile terminal sends feedback information for connection confirmation to the server after detecting a connection confirmation instruction, the server confirms whether to send a signature notification to the mobile terminal based on the feedback information, if the connection confirmation is sent, the server obtains the signature information sent by the mobile terminal after sending the signature notification and sends the signature information to the financial machine tool, so that the financial machine tool completes the transaction according to the signature information, the whole transaction process does not need the financial institution to provide paper pens or handwriting boards, the cost of the financial institution is reduced, and meanwhile, the user only needs to sign on the own mobile terminal, the transaction is more convenient.
Example two：
Fig. 2 shows an implementation flow of the transaction signature method provided in an embodiment of the present invention, in this embodiment, an execution subject of the flow is the server 2 shown in fig. 1, which is detailed as follows:
step S201, user account information sent by the financial machine is obtained.
The user account information comprises a bank card number, an identification card number, a mobile phone number or a micro signal.
Step S202, based on the user account information, a connection request is sent to the mobile terminal corresponding to the user account information.
Specifically, in the embodiment of the present invention, the server sends the connection request to the mobile terminal corresponding to the user account information according to the user account information obtained in step S201, for example, if the user account information is, for example, a mobile phone number, the server sends the connection request to the mobile terminal corresponding to the mobile phone number; if the user account information is a bank card number, searching the mobile phone number bound by the bank card number in the server, and sending a connection request to the mobile terminal corresponding to the bound mobile phone number. If the user account information is the identification number, searching a mobile phone number corresponding to the identification number in the server, and sending a connection request to a mobile terminal corresponding to the mobile phone number.
Optionally, when the connection request is sent to the mobile terminal, the password information and/or the location of the mobile terminal are requested at the same time. The password information may be a password corresponding to the user account, and may also be a random password.
Step S203, receiving feedback information of the mobile terminal confirming the connection.
Specifically, in the embodiment of the present invention, the server receives feedback information that the mobile terminal confirms connection. The feedback information includes a confirmation connection, as well as password information and/or the location of the mobile terminal.
Step S204, based on the feedback information, whether to send signature notification to the mobile terminal is confirmed.
Optionally, when the feedback information includes password information and/or a location of the mobile terminal, the step S204 includes:
a1, comparing the password information with preset password information, and if the password information is the same as the preset password information, sending a signature notice to the mobile terminal. And if the password information is different from the preset password information, sending a password error prompt to the mobile terminal and requesting to input the password information again. And if the password information is still different from the preset password information, sending a connection failure prompt.
Alternatively, the first and second electrodes may be,
a2, comparing the position with a preset area, and if the position is within the range of the preset area, sending a signature notice to the mobile terminal. And if the position is not in the preset area range, prompting the connection failure of the mobile terminal. Optionally, the preset area is a transaction place area.
Alternatively, the first and second electrodes may be,
a3, comparing the password information with preset password information, comparing the position with a preset area, and if the password information is the same as the preset password information and the position is within the preset area range, sending a signature notice to the mobile terminal.
In this embodiment, the server ensures the security of the access of the mobile terminal by confirming the feedback information sent by the mobile terminal, such as the password information and/or the location of the mobile terminal.
Step S205, if the sending is confirmed, after the signature notification is sent, the signature information sent by the mobile terminal is obtained, and the signature information is sent to the financial machine tool, so that the financial machine tool can complete the transaction according to the signature information.
Optionally, if the transmission is confirmed, after the signature notification is transmitted, the step S205 specifically includes:
b1, comparing the signature information sent by the mobile terminal with pre-stored signature characteristic information.
And B2, if the similarity of the signature information sent by the mobile terminal and the pre-stored signature characteristic information in comparison is within a preset similarity threshold range, sending the signature information to the financial machine tool.
Specifically, in the embodiment of the present invention, the server stores the signature information input by the mobile terminal when the user registers for the first time as the pre-stored signature feature information, so that in the subsequent transaction, the server compares the signature information received after sending the signature notification to the mobile terminal with the pre-stored signature feature information, and since it cannot be guaranteed that the signature of the user is the same every time, if the similarity of the signature information sent by the mobile terminal compared with the pre-stored signature feature information is within the preset similarity threshold range, the signature feature information is determined as the pre-stored signature feature information, and the signature information is sent to the financial machine tool, so that the financial machine tool completes the transaction according to the signature information.
In the second embodiment of the invention, a server acquires user account information sent by a financial machine, then sends a connection request to a mobile terminal corresponding to the user account information based on the user account information, then receives feedback information for confirming connection of the mobile terminal, such as password information and/or the position of the mobile terminal, and confirms whether to send a signature notification to the mobile terminal based on the feedback information, if the sending is confirmed, signature information sent by the mobile terminal is acquired after the signature notification is sent, if the similarity of the signature information compared with pre-stored signature characteristic information is within a preset similarity threshold range, the signature information is sent to the financial machine and the signature information is sent to the financial machine so that the financial machine completes a transaction according to the signature information, and the whole transaction process does not need a financial institution to provide paper pens or handwriting boards, the cost of the financial institution is reduced.
EXAMPLE III：
Fig. 3 shows an implementation flow of the transaction signature method provided in an embodiment of the present invention, in this embodiment, an execution subject of the flow is the mobile terminal 3 shown in fig. 1, which is detailed as follows:
step S301, a connection request sent by the server is acquired.
Wherein the connection request comprises password information and/or a location of the mobile terminal. The password information may be a password corresponding to the user account, and may also be a random password.
Optionally, after the step S301, the method further includes:
c1, detecting the source of the connection request. Specifically, by detecting the source of the connection request, lawless persons are prevented from cheating, and therefore the access security of the mobile terminal is improved.
Step S302, after the connection confirmation instruction is detected, feedback information for confirming the connection is sent to the server.
Specifically, after the user confirms the connection, a connection instruction is input, and after the connection confirmation instruction is detected, the mobile terminal sends feedback information for confirming the connection to the server.
Optionally, after detecting the connection confirmation instruction, the step S302 specifically includes:
and D1, acquiring the password information input by the user and sending the password information to the server.
And/or the presence of a gas in the gas,
and D2, acquiring the position of the mobile terminal, and sending the position of the mobile terminal to the server. The position of the mobile terminal can be obtained through positioning of a GPS system and then sent to the server.
Step S303, after receiving the signature notification sent by the server, acquires the signature information.
Optionally, step S303 specifically includes:
e1, obtaining name information of the signature;
and E2, acquiring the characteristic information of the signature. The characteristic information of the signature comprises the font type of the signature, the shape information of the signature and the time sequence information of the signature, such as stroke number, stroke trend, stroke sequence, writing speed and writing strength.
And step S304, sending the signature information to a server.
Optionally, in order to improve security of mobile terminal access, the transaction signing method further includes:
and F1, when the signature notice is received for the first time, extracting and recording the characteristic information of the signature input by the user.
And F2, sending the signature characteristic information to the server to be stored as preset signature characteristic information.
In the third embodiment of the invention, the connection request sent by the server is acquired through the mobile terminal, the feedback information for confirming the connection is sent to the server after the connection confirmation instruction is detected, the signature information is acquired after the signature notification sent by the server is received, and the signature information is sent to the server.
Example four：
Fig. 4 shows an interaction flow diagram of the transaction signature method provided by the embodiment of the present invention, where an execution subject participating in the interaction flow includes the financial instrument 1, the server 2, and one of the mobile terminals 3 in fig. 1, and an implementation principle of the interaction flow is consistent with an implementation principle of each execution subject side described in fig. 2 to fig. 3, so that the interaction flow is only briefly described, and details are not repeated:
1. the financial instrument sends the user account information to the server.
2. And the server receives the user account information and sends a connection request to the mobile terminal corresponding to the user account information based on the user account information.
3. And the mobile terminal receives the connection request and sends feedback information for confirming the connection to the server after detecting a connection confirmation instruction.
4. And the server receives the feedback information and confirms whether to send a signature notification to the mobile terminal or not based on the feedback information.
5. And if the transmission is confirmed, the server transmits the signature notification to the mobile terminal.
6. And the mobile terminal sends the signature information to the server based on the signature notification.
7. And after receiving the signature information, the server sends the signature information to the financial machine.
8. The financial instrument completes the transaction based on the signature information.
In the fourth embodiment of the invention, the financial machine tool sends the user account information to the server, the server sends a connection request to the mobile terminal corresponding to the user account information based on the user account information, the mobile terminal sends feedback information for connection confirmation to the server after detecting a connection confirmation instruction, the server confirms whether to send a signature notification to the mobile terminal based on the feedback information, if the connection confirmation is sent, the server obtains the signature information sent by the mobile terminal after sending the signature notification and sends the signature information to the financial machine tool, so that the financial machine tool completes the transaction according to the signature information, the whole transaction process does not need the financial institution to provide paper pens or handwriting boards, the cost of the financial institution is reduced, and meanwhile, the user only needs to sign on the own mobile terminal, the transaction is more convenient.
It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present invention.
EXAMPLE five：
Fig. 5 is a block diagram illustrating a structure of a server according to an embodiment of the present invention, which is the server 2 shown in fig. 1 and is used to implement the transaction signature method described in fig. 2 to fig. 4 of the present invention. For convenience of explanation, only the portions related to the present embodiment are shown
As shown in fig. 5, a server, the server comprising: an acquisition unit 51, a connection request transmission unit 52, a feedback information reception unit 53, a signature notification transmission unit 54, and a signature information processing unit 55, wherein:
and the acquisition unit 51 is used for acquiring the user account information sent by the financial tool.
A connection request sending unit 52, configured to send a connection request to a mobile terminal corresponding to the user account information based on the user account information.
And a feedback information receiving unit 53 for receiving feedback information for confirming the connection of the mobile terminal.
A signature notification sending unit 54, configured to confirm whether to send a signature notification to the mobile terminal based on the feedback information.
And the signature information processing unit 55 is configured to, if the transmission is confirmed, obtain the signature information transmitted by the mobile terminal after the signature notification is transmitted, and transmit the signature information to the financial instrument, so that the financial instrument completes a transaction according to the signature information.
Optionally, when the feedback information includes password information and/or a location of the mobile terminal, the signature notification sending unit 54 further includes:
and the password comparison module is used for comparing the password information with preset password information, and if the password information is the same as the preset password information, sending a signature notification to the mobile terminal.
Or the like, or, alternatively,
and the position comparison module is used for comparing the position with a preset area, and if the position is within the range of the preset area, sending a signature notification to the mobile terminal.
Or the like, or, alternatively,
and the password position comparison module is used for comparing the password information with preset password information, comparing the position with a preset area, and if the password information is the same as the preset password information, and if the position is within the range of the preset area, sending a signature notification to the mobile terminal.
The signature information processing unit 55 further includes:
and the matching module is used for matching the signature information sent by the mobile terminal with pre-stored signature characteristic information.
And the signature information sending module is used for sending the signature information to the financial machine if the similarity of the signature information sent by the mobile terminal and the pre-stored signature characteristic information in comparison is within a preset similarity threshold range.
Fig. 6 shows a block diagram of a mobile terminal according to an embodiment of the present invention, which is in one of the mobile terminals 3 of the server 2 shown in fig. 1 and is configured to implement the transaction signature method described in fig. 2 to fig. 4 of the present invention. For convenience of explanation, only the portions related to the present embodiment are shown.
As shown in fig. 6, a mobile terminal includes: a connection request acquisition unit 61, a feedback information transmission unit 62, a signature information acquisition unit 63, a signature information transmission unit 64, wherein:
a connection request obtaining unit 61, configured to obtain a connection request sent by the server.
And a feedback information sending unit 62, configured to send feedback information for confirming the connection to the server after detecting the connection confirmation instruction.
The signature information acquisition unit 63 acquires signature information upon receiving a signature notification sent from the server.
A signature information sending unit 64, configured to send the signature information to the server.
Optionally, the mobile terminal further includes:
and the extraction recording unit is used for extracting and recording the characteristic information of the signature input by the user when the signature notification is received for the first time.
And the characteristic information sending unit is used for sending the characteristic information of the signature to the server to be stored as pre-stored signature characteristic information.
The feedback information transmitting unit 62 includes:
and the password information processing unit is used for acquiring password information input by a user and sending the password information to the server.
And/or the presence of a gas in the gas,
and the position processing unit is used for acquiring the position of the mobile terminal and sending the position of the mobile terminal to the server.
In the fifth embodiment of the invention, the financial machine tool sends the user account information to the server, the server sends a connection request to the mobile terminal corresponding to the user account information based on the user account information, the mobile terminal sends feedback information for connection confirmation to the server after detecting a connection confirmation instruction, the server confirms whether to send a signature notification to the mobile terminal based on the feedback information, if the connection confirmation is sent, the server obtains the signature information sent by the mobile terminal after sending the signature notification and sends the signature information to the financial machine tool, so that the financial machine tool completes the transaction according to the signature information, the whole transaction process does not need the financial institution to provide paper pens or handwriting boards, the cost of the financial institution is reduced, and meanwhile, the user only needs to sign on the own mobile terminal, the transaction is more convenient.
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
In the embodiments provided in the present invention, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described system embodiments are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when actually implemented, for example, a plurality of units or components may be combined or may be integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solutions of the embodiments of the present invention may be implemented in the form of a software product, which is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, a network device, or the like) or a processor (processor) to execute all or part of the steps of the methods described in the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present invention, and are intended to be included within the scope of the present invention.
Claims (11)
1. A transaction signature method, the transaction signature method comprising:
acquiring user account information sent by a financial machine tool, wherein the user account information comprises a bank card number, an identification card number, a mobile phone number or a micro signal;
based on the user account information, sending a connection request to a mobile terminal corresponding to the user account information, and simultaneously requesting password information and/or the position of the mobile terminal;
receiving feedback information of the mobile terminal for confirming connection, wherein the feedback information comprises the confirmed connection, password information and/or the position of the mobile terminal;
confirming whether to send a signature notification to the mobile terminal based on the feedback information;
and if the sending is confirmed, after the signature notification is sent, obtaining the signature information sent by the mobile terminal, and sending the signature information to the financial machine tool so that the financial machine tool can complete the transaction according to the signature information.
2. The transaction signing method of claim 1, wherein when the feedback information includes password information and/or a location of a mobile terminal, said confirming whether to send a signature notification to the mobile terminal based on the feedback information specifically comprises:
comparing the password information with preset password information, and if the password information is the same as the preset password information, sending a signature notification to the mobile terminal;
alternatively, the first and second electrodes may be,
comparing the position with a preset area, and if the position is within the range of the preset area, sending a signature notification to the mobile terminal;
alternatively, the first and second electrodes may be,
and comparing the password information with preset password information, comparing the position with a preset area, and if the password information is the same as the preset password information and the position is within the range of the preset area, sending a signature notice to the mobile terminal.
3. The transaction signing method of claim 1, wherein said obtaining signature information transmitted by said mobile terminal and transmitting said signature information to said financial instrument comprises:
comparing the signature information sent by the mobile terminal with pre-stored signature characteristic information;
and if the similarity of the signature information sent by the mobile terminal and the pre-stored signature characteristic information in comparison is within a preset similarity threshold range, sending the signature information to the financial machine tool.
4. A transaction signature method, the transaction signature method comprising:
acquiring a connection request and a password information and/or a position request of a mobile terminal sent by a server based on user account information sent by a financial tool, wherein the user account information comprises a bank card number, an identification number, a mobile phone number or a micro signal;
after a connection confirmation instruction is detected, sending feedback information for confirming connection to a server, wherein the feedback information comprises the connection confirmation and password information and/or the position of the mobile terminal;
after receiving a signature notification sent by a server, acquiring signature information;
and sending the signature information to a server so that the server sends the signature information to the financial machine tool, so that the financial machine tool can complete transaction according to the signature information.
5. The transaction signing method of claim 4, wherein sending feedback information for connection confirmation to the server after detecting the connection confirmation command specifically comprises:
acquiring password information input by a user, and sending the password information to a server;
and/or the presence of a gas in the gas,
and acquiring the position of the mobile terminal, and sending the position of the mobile terminal to a server.
6. The transaction signing method of any one of claims 4 or 5, wherein the transaction signing method further comprises:
when a signature notification is received for the first time, extracting and recording feature information of a signature input by a user;
and sending the signature characteristic information to a server to be used as preset signature characteristic information for storage.
7. A server, characterized in that the server comprises:
the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring user account information sent by a financial machine tool, and the user account information comprises a bank card number, an identification card number, a mobile phone number or a micro signal;
a connection request sending unit, configured to send a connection request to a mobile terminal corresponding to the user account information based on the user account information, and request password information and/or a location of the mobile terminal;
the feedback information receiving unit is used for receiving feedback information of the mobile terminal for confirming connection, wherein the feedback information comprises the confirmed connection, password information and/or the position of the mobile terminal;
a signature notification sending unit configured to confirm whether to send a signature notification to the mobile terminal based on the feedback information;
and the signature information processing unit is used for acquiring the signature information sent by the mobile terminal after the signature notification is sent if the sending is confirmed, and sending the signature information to the financial machine tool so that the financial machine tool can complete the transaction according to the signature information.
8. The server according to claim 7, wherein when the feedback information includes password information and/or a location of the mobile terminal, the signature notification transmission unit further includes:
the password comparison module is used for comparing the password information with preset password information, and if the password information is the same as the preset password information, a signature notification is sent to the mobile terminal;
or the like, or, alternatively,
the position comparison module is used for comparing the position with a preset area, and if the position is within the range of the preset area, a signature notification is sent to the mobile terminal;
or the like, or, alternatively,
the password position comparison module is used for comparing the password information with preset password information and comparing the position with a preset area, and if the password information is the same as the preset password information and the position is within the range of the preset area, a signature notification is sent to the mobile terminal;
the signature information processing unit further includes:
the matching module is used for matching the signature information sent by the mobile terminal with pre-stored signature characteristic information;
and the signature information sending module is used for sending the signature information to the financial machine if the similarity of the signature information sent by the mobile terminal and the pre-stored signature characteristic information in comparison is within a preset similarity threshold range.
9. A mobile terminal, characterized in that the mobile terminal comprises:
the system comprises a connection request acquisition unit, a connection request acquisition unit and a connection request processing unit, wherein the connection request acquisition unit is used for acquiring a connection request sent by a server based on user account information sent by a financial machine tool and a request of password information and/or the position of a mobile terminal, and the user account information comprises a bank card number, an identification number, a mobile phone number or a micro signal;
the feedback information sending unit is used for sending feedback information for confirming connection to the server after detecting a connection confirmation instruction, wherein the feedback information comprises the connection confirmation and password information and/or the position of the mobile terminal;
the signature information acquisition unit is used for acquiring signature information after receiving a signature notification sent by the server;
and the signature information sending unit is used for sending the signature information to a server so as to enable the server to send the signature information to the financial machine tool, so that the financial machine tool can complete transaction according to the signature information.
10. The mobile terminal of claim 9, wherein the mobile terminal further comprises:
the extraction recording unit is used for extracting and recording the characteristic information of the signature input by the user when the signature notification is received for the first time;
the characteristic information sending unit is used for sending the characteristic information of the signature to the server as pre-stored signature characteristic information for storage;
the feedback information transmitting unit includes:
the password information processing unit is used for acquiring password information input by a user and sending the password information to the server;
and/or the presence of a gas in the gas,
and the position processing unit is used for acquiring the position of the mobile terminal and sending the position of the mobile terminal to the server.
11. A transaction signature system, comprising a financial instrument, a server, and a mobile terminal:
the financial machine is used for sending user account information to the server, wherein the user account information comprises a bank card number, an identification card number, a mobile phone number or a micro signal;
the server is used for sending a connection request and a signature notification to the mobile terminal corresponding to the user account information based on the user account information, and is also used for sending the connection request to the mobile terminal and requesting password information and/or the position of the mobile terminal;
the mobile terminal is used for sending feedback information for confirming connection and signature information to the server, wherein the feedback information comprises the confirmation connection, password information and/or the position of the mobile terminal;
the server is also used for sending the signature information sent by the mobile terminal to the financial machine tool;
the financial instrument is further configured to complete a transaction based on the signature information sent by the server.
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102880961A (en) * | 2012-09-07 | 2013-01-16 | 深圳天珑无线科技有限公司 | Authentication method based on mobile terminal, mobile terminal and authentication system |
| CN103959830A (en) * | 2011-08-24 | 2014-07-30 | 混合支付科技世界股份有限公司 | Method and system to capture and validate a signature using a mobile device |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| US20030233557A1 (en) * | 2002-06-13 | 2003-12-18 | Zimmerman Thomas Guthrie | Electronic signature verification method and apparatus |
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Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103959830A (en) * | 2011-08-24 | 2014-07-30 | 混合支付科技世界股份有限公司 | Method and system to capture and validate a signature using a mobile device |
| CN102880961A (en) * | 2012-09-07 | 2013-01-16 | 深圳天珑无线科技有限公司 | Authentication method based on mobile terminal, mobile terminal and authentication system |
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