CN107622396B - Self-service transaction method, system and terminal equipment - Google Patents
Self-service transaction method, system and terminal equipment Download PDFInfo
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- CN107622396B CN107622396B CN201710835354.1A CN201710835354A CN107622396B CN 107622396 B CN107622396 B CN 107622396B CN 201710835354 A CN201710835354 A CN 201710835354A CN 107622396 B CN107622396 B CN 107622396B
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Abstract
The invention is suitable for the technical field of self-service transaction, and provides a self-service transaction method, a system and terminal equipment, wherein the self-service transaction method comprises the following steps: the method comprises the steps that a background server obtains a device identification number of a self-service transaction terminal to be transacted; generating an entry address of the authentication virtual system according to the equipment identification number and a preset algorithm; sending the entry address to a self-service transaction terminal so that a user can log in an authentication virtual system on a mobile terminal according to the entry address to perform authentication; receiving and verifying the identity information of the user sent by the mobile terminal; and if the identity information of the user passes the verification, sending the account information of the user to the self-service transaction terminal so that the user can conveniently carry out card-free transaction. By the method, the cost of a transaction mechanism can be reduced, and the safety of self-service transaction is improved.
Description
Technical Field
The invention belongs to the technical field of self-service transaction, and particularly relates to a self-service transaction method, a self-service transaction system and terminal equipment.
Background
With the continuous development of scientific technology and the continuous improvement of labor cost, self-service transaction terminals are widely used by financial institutions, the widely distributed self-service transaction terminals bring convenience to daily life of people, convenient service of the self-service transaction terminals is popular among users, but the self-service transaction terminals have some problems in the using process.
When a user forgets to take a card and wants to perform a transaction, a self-service transaction terminal supporting card-free transaction can be used, and the self-service transaction terminal supporting card-free transaction in the prior art generally does not need to use a traditional magnetic stripe card or an IC chip card to read account information and authenticate passwords, but directly uses a biological identification (such as face identification, fingerprint and the like) technology to determine the legality of a user to be transacted, and then performs a subsequent normal transaction process after determining that the user to be transacted is legal. However, the field of biological identification is a new field which is just developed, and is still in a starting development stage, many hardware identification sensors are expensive, the labor development cost is high, and particularly, people with similar twins or very similar growth phases cannot be completely and correctly distinguished; the illegal molecules can also imitate human face images by utilizing an ultrathin human skin mask, even if the same person is at different ages and different time periods, facial features of the same person can slightly change (such as whether factors comprise beard, makeup, wearing glasses, facial wound traces and the like), the recognition rate and the algorithm of the biological recognition technology are still to be improved, and a plurality of problems which are difficult to solve are brought to recognition. In summary, the existing self-service transaction terminal supporting the cardless transaction has high cost and low security of the transaction process.
Disclosure of Invention
In view of this, embodiments of the present invention provide a self-service transaction method and apparatus, so as to solve the problems of high cost and low security of transaction process of the existing self-service transaction terminal supporting cardless transaction.
The invention provides a self-service transaction method on a background server side, which comprises the following steps:
the method comprises the steps that a background server obtains a device identification number of a self-service transaction terminal to be transacted;
generating an entry address of the authentication virtual system according to the equipment identification number and a preset algorithm;
sending the entry address to a self-service transaction terminal so that a user can log in an authentication virtual system on a mobile terminal according to the entry address to perform authentication;
receiving and verifying the identity information of the user sent by the mobile terminal;
and if the identity information of the user passes the verification, sending the account information of the user to the self-service transaction terminal so that the user can conveniently carry out card-free transaction.
The invention provides a self-service transaction method on the side of a self-service transaction terminal in a second aspect, wherein the self-service transaction method comprises the following steps:
the self-service transaction terminal receives a card-free transaction request of a user and enters a card-free transaction interface;
acquiring an equipment identification number, and sending the equipment identification number to a background server so that the background server can generate an entry address of the authentication virtual system according to the equipment identification number and a preset algorithm;
receiving the entry address sent by the background server so that the mobile terminal of the user can log in the authentication virtual system for authentication according to the entry address;
and receiving the account information of the user sent by the background server, and acquiring the transaction authority corresponding to the account information so as to facilitate the user to carry out card-free transaction.
A third aspect of the present invention provides a self-service transaction system, comprising:
the self-service transaction terminal is used for receiving a card-free transaction request of a user and entering a card-free transaction interface; acquiring an equipment identification number, and sending the equipment identification number to a background server;
the background server is used for generating an entry address of the authentication virtual system according to the equipment identification number and a preset algorithm; sending the entry address to the self-service transaction terminal;
the self-service transaction terminal is also used for receiving the entrance address sent by the background server;
the mobile terminal is used for logging in the authentication virtual system according to the entry address and sending the identity information of the user to the background server for authentication;
the background server is also used for receiving and verifying the identity information of the user sent by the mobile terminal; if the identity information of the user passes the verification, the account information of the user is sent to the self-service transaction terminal so that the user can conveniently carry out card-free transaction;
the self-service transaction terminal is further used for receiving the account information of the user sent by the background server and acquiring the transaction authority corresponding to the account information so that the user can conveniently carry out card-free transaction.
A fourth aspect of the present invention provides a server, comprising:
a number acquisition unit for acquiring a device identification number;
the address generating unit is used for generating an entry address of the authentication virtual system according to the equipment identification number and a preset algorithm;
the address sending unit is used for sending the entry address to the self-service transaction terminal so that a user can log in an authentication virtual system on the mobile terminal to perform authentication according to the entry address;
the information verification unit is used for receiving and verifying the identity information of the user sent by the mobile terminal;
and the information sending unit is used for sending the account information of the user to the self-service transaction terminal if the identity information of the user passes the verification so as to facilitate the user to carry out card-free transaction.
A fifth aspect of the present invention provides a self-service transaction terminal, including:
the request processing unit is used for receiving a card-free transaction request of a user and entering a card-free transaction interface;
the system comprises a number sending unit, a background server and a virtual authentication system, wherein the number sending unit is used for acquiring an equipment identification number and sending the equipment identification number to the background server so that the background server can generate an entry address of the virtual authentication system according to the equipment identification number and a preset algorithm;
the address receiving unit is used for receiving the entry address sent by the background server so that the mobile terminal of the user can log in the authentication virtual system to perform authentication according to the entry address;
and the permission acquisition unit is used for receiving the account information of the user sent by the background server and acquiring the transaction permission corresponding to the account information so as to facilitate the user to carry out card-free transaction.
A sixth aspect of the present invention provides a terminal device, including: a memory, a processor and a computer program stored in the memory and executable on the processor, the processor when executing the computer program implementing the steps of the self-service transaction method according to the first or second aspect.
A seventh aspect of the present invention provides a computer readable storage medium storing a computer program which, when executed by a processor, implements the steps of the self-service transaction method of the first or second aspect above.
Compared with the prior art, the embodiment of the invention has the following beneficial effects: the method comprises the steps of obtaining an equipment identification number of a self-service transaction terminal to be transacted through a background server, generating an entrance address of an authentication virtual system according to the equipment identification number and a preset algorithm, sending the entrance address to the self-service transaction terminal, so that a user can log in the authentication virtual system on a mobile terminal according to the entrance address to perform authentication, receiving and authenticating identity information of the user sent by the mobile terminal, and sending account information of the user to the self-service transaction terminal if the identity information of the user passes authentication, so that the user can perform card-free transaction. In the scheme, after the user directly communicates with the background server on the mobile terminal of the user to carry out identity authentication, card-free transaction operation is carried out on the self-service transaction terminal, the transaction safety can be improved, and moreover, an identity recognition module is not required to be arranged on the self-service transaction terminal, so that the cost of a transaction mechanism can be reduced.
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 self-service transaction system according to an embodiment of the present invention;
fig. 2 is a flowchart of a self-service transaction method on the background server side according to an embodiment of the present invention;
fig. 3 is a flowchart of a self-service transaction method at a self-service transaction terminal according to an embodiment of the present invention;
fig. 4 is a block diagram of a server according to an embodiment of the present invention;
fig. 5 is a block diagram of a self-service transaction terminal according to an embodiment of the present invention;
fig. 6 is a schematic diagram of a terminal device 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, devices, 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 of a self-service transaction 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 self-service transaction system includes a self-service transaction terminal 1, a background server 2 and a mobile terminal 3, wherein:
the self-service transaction terminal 1 is used for receiving a card-free transaction request of a user and entering a card-free transaction interface; and acquiring an equipment identification number, and sending the equipment identification number to the background server 2. Specifically, the self-service transaction terminal 1 enters a card-free transaction interface after receiving a card-free transaction request of the user, and at this time, the user has no authority to perform transaction operations, such as business operations like depositing and withdrawing money, on the interface. The equipment identification number refers to an equipment number of the self-service transaction terminal and has uniqueness.
The background server 2 is used for generating an entrance address of the authentication virtual system according to the equipment identification number and a preset algorithm, and sending the entrance address to the self-service transaction terminal 1. In the embodiment of the invention, the background server 2 can search the position information of the self-service transaction terminal 1 according to the identification number. Further, the background server 2 generates an entry address of the authentication virtual system according to a preset algorithm according to the position information of the self-service transaction terminal 1. The authentication virtual system is a virtual system used for user authentication on the background server 2.
Optionally, the background server 2 generates a two-dimensional code including the entry address based on the entry address, and sends the two-dimensional code including the entry address to the self-service transaction terminal 1.
The self-service transaction terminal 1 is further configured to receive the entry address sent by the background server 2. Or, the self-service transaction terminal 1 generates a two-dimensional code containing the entrance address after receiving the entrance address.
Optionally, in this embodiment of the present invention, the transaction terminal 1 is further configured to receive the two-dimensional code containing the entry address, which is sent by the background server 2.
The mobile terminal 3 is used for logging in the authentication virtual system according to the entry address and sending the identity information of the user to the background server 2 for authentication.
Specifically, in the embodiment of the present invention, the mobile terminal 3 receives the entry address of the authentication virtual system displayed on the self-service transaction terminal 1, which is input by the user. Optionally, the mobile terminal 3 communicates with the self-service transaction terminal 1 in a near field communication manner to obtain the entry address.
Optionally, when the two-dimensional code including the entry address is displayed on the self-service transaction terminal 1, the mobile terminal 3 scans the two-dimensional code through a camera to obtain the entry address of the authentication virtual system.
The background server 2 is further configured to receive and verify user identity information sent by the mobile terminal 3; and if the identity information of the user passes the verification, sending the account information of the user to the self-service transaction terminal 1 so that the user can conveniently carry out card-free transaction. The identity information comprises information which can be used for identifying the identity of the user, such as the identity card number or the mobile phone number of the user. The background server 2 verifies whether the identity information verification is completely matched with the registration information of the user when the transaction institution opens an account. If the user identity information is matched with the self-service transaction terminal 1, the identity information of the user passes the verification, and the background server 2 acquires the account information of the user according to the identity information of the user and sends the account information of the user to the self-service transaction terminal 1. And when the identity information of the user corresponds to more than one account information, prompting the user to select the account information to be traded, and sending the account information to be traded selected by the user to the self-service trading terminal 1.
The self-service transaction terminal 1 is further configured to receive the account information of the user sent by the background server 2, and acquire a transaction right corresponding to the account information, so that the user can perform card-less transaction. The transaction authority refers to a business transaction authority which can be operated by a user, such as an upper limit of an amount of deposit or withdrawal.
It should be noted that, in the embodiment of the present invention, the mobile terminal 3 includes, but is not limited to, a mobile terminal with a communication capability, such as a mobile phone, a notebook, and a tablet computer. The mobile terminal 3 can be connected with the background server 2 in a wireless mode, such as a WIFI technology, a 3G/4G/5G network communication technology and the like.
Optionally, the self-service transaction system may use a WIFI technology, a 3G/4G/5G network communication technology, or a bluetooth, NFC, or other near field wireless communication technology to establish near field communication between the self-service transaction terminal 1 and the mobile terminal 3, or may use a serial port technology or a USB interface technology to establish a wired connection between the self-service transaction terminal 1 and the mobile terminal 3.
In the first embodiment of the invention, a card-free transaction request of a user is received through a self-service transaction terminal, a card-free transaction interface is entered, an equipment identification number is obtained, and the equipment identification number is sent to a background server; generating an entry address of an authentication virtual system according to a preset algorithm according to the equipment identification number through a background server, sending the entry address to the self-service transaction terminal, receiving the entry address sent by the background server by the self-service transaction terminal, logging in the authentication virtual system on a mobile terminal according to the entry address, sending the identity information of the user to the background server for authentication, and receiving and authenticating the identity information of the user sent by the mobile terminal by the background server. And if the identity information of the user passes the verification, the account information of the user is sent to the self-service transaction terminal, and the self-service transaction terminal receives the account information of the user sent by the background server and acquires the transaction authority corresponding to the account information so as to facilitate the card-free transaction of the user. In the scheme, after the user directly communicates with the background server on the mobile terminal of the user for identity authentication, the card-free transaction operation is carried out on the self-service transaction terminal, so that the transaction safety can be improved, and meanwhile, an identity recognition module is not required to be arranged on the self-service transaction terminal, so that the cost of a transaction mechanism can be reduced.
Example two：
Fig. 2 shows a flow chart of a self-service transaction method provided by an embodiment of the present invention, in this embodiment, an execution subject of the flow is the background server 2 shown in fig. 1, which is detailed as follows:
step S201, the background server obtains the equipment identification number of the self-service transaction terminal to be transacted.
The equipment identification number refers to an equipment number of the self-service transaction terminal and has uniqueness. In the embodiment of the invention, the background server 2 can search the position information of the self-service transaction terminal 1 according to the identification number.
And step S202, generating an entry address of the authentication virtual system according to the equipment identification number and a preset algorithm.
Further, the step S202 specifically includes:
a1, after receiving the device identification number, generating a group of random serial numbers according to a preset rule.
And A2, generating an entry address of the authentication virtual system by the equipment identification number and the random serial number according to a preset algorithm.
Specifically, in the embodiment of the present invention, after receiving the device identification number, the server background triggers a sequence number generation module to generate a group of random sequence numbers according to a preset rule, where the random sequence numbers include valid duration and no repeated random sequence number exists, so as to improve the security of a transaction. And generating an entry address of the authentication virtual system by the equipment identification number and the random serial number according to a preset algorithm, wherein the entry address of the authentication virtual system comprises the equipment identification number and the effective duration of the self-service transaction equipment. It should be noted that, in the embodiment of the present invention, the entry address of the authentication virtual system is valid once and cannot be reused.
Optionally, the step a2 specifically includes:
a21, searching the position information of the self-service transaction terminal according to the identification number;
and A22, generating an entry address of the authentication virtual system by the equipment identification number, the position information and the random serial number according to a preset algorithm. In the embodiment of the invention, the entry address of the authentication virtual system comprises a device identification number, position information and effective duration of the self-service transaction device.
In the embodiment of the invention, the safety of self-service transaction can be improved by generating the once effective entry address of the authentication virtual system for the user to log in for authentication.
Step S203, the entry address is sent to the self-service transaction terminal, so that a user can log in an authentication virtual system on the mobile terminal to perform authentication according to the entry address.
Specifically, in the embodiment of the present invention, the step S203 includes:
and B1, sending the entrance address to the self-service transaction terminal for display. And the user inputs the entry address displayed on the self-service transaction terminal on the mobile terminal and logs in the authentication virtual system to perform authentication.
Optionally, the step S203 includes:
b1', sending the entrance address to the self-service transaction terminal, so that the self-service transaction terminal generates a two-dimensional code containing the entrance address. Specifically, the background server sends the entry address to a self-service transaction terminal, and the self-service transaction terminal receives the entry address and generates a two-dimensional code containing the entry address, so that a user can scan the two-dimensional code by using a mobile terminal to log in the authentication virtual system.
Optionally, the step S203 includes:
b1' and generating a two-dimensional code containing the entry address based on the entry address. At this time, the sending the entry address to the self-service transaction terminal includes sending a two-dimensional code including the entry address to the self-service transaction terminal. In the embodiment of the invention, after the entrance address is generated, the two-dimensional code is generated according to the entrance address, so that the two-dimensional code containing the entrance address of the identity authentication virtual system is displayed on the self-service transaction terminal for a user to scan and log in.
Optionally, in an embodiment of the present invention, the two-dimensional code including the entry address of the authentication virtual system is a live code. The live code is used for coding the entry address, and a user scans the live code through a mobile terminal and then jumps to the entry address. And the content linked with the entry address is stored in the cloud or the server. It should be noted that, in the embodiment of the present invention, the two-dimensional code including the entry address is scanned in a network environment, and then the two-dimensional code jumps to the authentication virtual system linked to the entry address.
Step S204, receiving and verifying the identity information of the user sent by the mobile terminal.
The identity information comprises information which can be used for identifying the identity of the user, such as the identity card number or the mobile phone number of the user.
Step S205, if the identity information of the user passes the verification, sending the account information of the user to the self-service transaction terminal, so that the user can perform card-free transaction.
Specifically, the background server verifies whether the identity information verification is completely matched with the registration information of the user when the transaction institution opens an account. And if the user identity information is matched with the self-service transaction terminal, the identity information of the user passes the verification, the background server acquires the account information of the user according to the identity information of the user and sends the account information of the user to the self-service transaction terminal, so that the user can conveniently carry out card-free transaction. And when the identity information of the user corresponds to more than one account information, prompting the user to select the account information to be traded, and sending the account information to be traded selected by the user to the self-service trading terminal. The account information of the user comprises a transaction account number and a transaction password.
In the second embodiment of the invention, a background server acquires an equipment identification number of a self-service transaction terminal to be transacted, an entrance address of an authentication virtual system is generated according to the equipment identification number and a preset algorithm, the entrance address is sent to the self-service transaction terminal, so that a user can log in the authentication virtual system on a mobile terminal according to the entrance address to perform authentication, then the identity information of the user sent by the mobile terminal is received and authenticated, and if the identity information of the user passes authentication, the account information of the user is sent to the self-service transaction terminal, so that the user can perform card-free transaction. In the scheme, after the user directly communicates with the background server on the mobile terminal of the user to carry out identity authentication, card-free transaction operation is carried out on the self-service transaction terminal, the transaction safety can be improved, and moreover, an identity recognition module is not required to be arranged on the self-service transaction terminal, so that the cost of a transaction mechanism can be reduced.
EXAMPLE III：
Fig. 3 shows an implementation flow of a self-service transaction method provided by an embodiment of the present invention, in this embodiment, an execution subject of the flow is the self-service transaction terminal 1 shown in fig. 1, which is detailed as follows:
step S301, the self-service transaction terminal receives a card-free transaction request of a user and enters a card-free transaction interface.
When the self-service transaction terminal enters a card-free transaction interface, a user has no authority to perform transaction operations on the self-service transaction terminal, such as business operations of depositing and withdrawing money and the like.
Step S302, acquiring an equipment identification number, and sending the equipment identification number to a background server, so that the background server generates an entry address of the authentication virtual system according to the equipment identification number and a preset algorithm.
The equipment identification number refers to an equipment number of the self-service transaction terminal and has uniqueness. Further, the equipment identification number corresponds to the position information of the self-service transaction terminal, so that the background server can search the position information of the self-service transaction terminal according to the equipment identification number.
Step S303, receiving the entry address sent by the background server, so that the mobile terminal of the user can log in the authentication virtual system to perform authentication according to the entry address.
Specifically, the self-service transaction terminal receives the entrance address and then displays the entrance address on a display interface. In the embodiment of the invention, when the background server generates the two-dimensional code containing the entrance address according to the entrance address, the self-service transaction terminal receives and displays the two-dimensional code containing the entrance address sent by the background server.
Optionally, step S303 specifically includes:
c1, receiving the entry address sent by the background server.
And C2, generating a two-dimensional code containing the entry address based on the entry address.
And C3, displaying the two-dimensional code containing the entry address.
Further, in the embodiment of the present invention, the two-dimensional code is a live code, and the specific content refers to the related content of the second embodiment.
Optionally, in order to improve the efficiency of the transaction and facilitate the transaction for the user, the step S303 further includes transmitting the entry address to the mobile terminal of the user in a short-range communication manner. The near field communication mode includes but is not limited to bluetooth and NFC near field transmission mode.
Step S304, receiving the account information of the user sent by the background server, and acquiring a transaction right corresponding to the account information, so that the user can perform a card-free transaction.
The account information of the user comprises a transaction account number and a transaction password. The transaction authority is the authority activated when the user first opens an account and registers in the transaction structure. In the embodiment of the present invention, the account information of the user corresponds to the corresponding transaction authority, for example, if the user is an important user, the withdrawal amount limit authority corresponding to the account information of the user is higher than the withdrawal amount limit authority corresponding to the account information of a general user.
Further, after the step S304, the method further includes prompting the user to input a transaction password, further verifying the transaction authority of the user, and improving the security of the transaction. And when the transaction password input by the user is detected to be matched with the transaction password in the account information sent by the background server, entering a common transaction interface from the current card-free transaction interface, wherein the common transaction interface can be used for the user to perform transaction operations such as checking, depositing and withdrawing.
In the third embodiment of the invention, a card-free transaction request of a user is received, a card-free transaction interface is entered, an equipment identification number is obtained, the equipment identification number is sent to a background server, the background server is received to generate an entry address of an authentication virtual system according to the equipment identification number and a preset algorithm, so that a mobile terminal of the user can log in the authentication virtual system for authentication according to the entry address, and finally, account information of the user sent by the background server is received, and a transaction right corresponding to the account information is obtained, so that the user can carry out card-free transaction. In the scheme, the user directly communicates with the background server on the mobile terminal of the user to carry out identity authentication, and then card-free transaction operation is carried out on the self-service transaction terminal, so that the transaction safety can be improved, and the self-service transaction terminal is not required to be provided with an identity recognition module, so that the cost of a transaction mechanism can be reduced.
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 four：
Fig. 4 shows a block diagram of a server according to an embodiment of the present invention, which is the background server 2 shown in fig. 1 and is used for implementing the self-service transaction method described in fig. 2 of the present invention. For convenience of explanation, only the portions related to the present embodiment are shown.
Referring to fig. 4, the server includes: a number acquisition unit 41, an address generation unit 42, an address transmission unit 43, an information verification unit 44, an information transmission unit 45, wherein:
a number acquisition unit 41 for acquiring a device identification number;
the address generating unit 42 is configured to generate an entry address of the authentication virtual system according to the device identification number and a preset algorithm;
the address sending unit 43 is used for sending the entry address to the self-service transaction terminal so that the user can log in the authentication virtual system on the mobile terminal to perform authentication according to the entry address;
an information verification unit 44, configured to receive and verify the identity information of the user sent by the mobile terminal;
and the information sending unit 45 is configured to send the account information of the user to the self-service transaction terminal if the identity information of the user passes verification, so that the user can perform card-less transaction.
Optionally, the address generating unit 42 specifically includes:
the serial number generation module is used for generating a group of random serial numbers according to a preset rule after the equipment identification number is received;
and the address generation module is used for generating the entry address of the verification virtual system by the equipment identification number and the random serial number according to a preset algorithm.
Optionally, the address generating module specifically includes:
the position searching submodule is used for searching the position information of the self-service transaction terminal according to the identification number;
and the address generation submodule is used for generating an entry address of the verification virtual system by the equipment identification number, the position information and the random serial number according to a preset algorithm.
Optionally, the address sending unit 43 specifically includes:
the address sending module is used for sending the entry address to the self-service transaction terminal for displaying;
the address sending module is further used for sending the entry address to the self-service transaction terminal so that the self-service transaction terminal can generate a two-dimensional code containing the entry address;
the first two-dimensional code generating module is used for generating a two-dimensional code containing the entry address based on the entry address;
at this time, the address sending module is further configured to send the two-dimensional code including the entry address to the self-service transaction terminal.
In the fourth embodiment of the invention, a background server acquires an equipment identification number of a self-service transaction terminal to be transacted, an entrance address of an authentication virtual system is generated according to the equipment identification number and a preset algorithm, the entrance address is sent to the self-service transaction terminal, so that a user can log in the authentication virtual system on a mobile terminal according to the entrance address to perform authentication, then the identity information of the user sent by the mobile terminal is received and authenticated, and if the identity information of the user passes authentication, the account information of the user is sent to the self-service transaction terminal, so that the user can perform card-free transaction. In the scheme, after the user directly communicates with the background server on the mobile terminal of the user to carry out identity authentication, card-free transaction operation is carried out on the self-service transaction terminal, the transaction safety can be improved, and moreover, an identity recognition module is not required to be arranged on the self-service transaction terminal, so that the cost of a transaction mechanism can be reduced.
EXAMPLE five：
Fig. 5 shows a block diagram of a self-service transaction terminal according to an embodiment of the present invention, where the self-service transaction terminal is the self-service transaction terminal 1 shown in fig. 1 and is configured to implement the self-service transaction method described in fig. 3 of the present invention. For convenience of explanation, only the portions related to the present embodiment are shown.
Referring to fig. 5, the self-service transaction terminal includes: a request processing unit 51, a number transmitting unit 52, an address receiving unit 53, a right acquiring unit 54, wherein:
the request processing unit 51 is used for receiving a card-free transaction request of a user and entering a card-free transaction interface;
the number sending unit 52 is configured to obtain an equipment identification number, and send the equipment identification number to the background server, so that the background server generates an entry address of the authentication virtual system according to the equipment identification number and according to a preset algorithm;
an address receiving unit 53, configured to receive the entry address sent by the background server, so that the mobile terminal of the user logs in the authentication virtual system according to the entry address to perform authentication;
and the authority acquiring unit 54 is configured to receive the account information of the user sent by the background server, and acquire a transaction authority corresponding to the account information, so that the user performs a card-less transaction.
Optionally, the store address receiving unit 53 is further configured to display the entrance address.
Optionally, the address receiving unit 53 specifically includes:
and the address receiving module is used for receiving the entry address sent by the background server.
And the second two-dimensional code generating module is used for generating a two-dimensional code containing the entrance address based on the entrance address.
And the two-dimensional code display module is used for displaying the two-dimensional code containing the entry address.
Optionally, the address receiving unit 53 further includes:
and the address transmission module is used for transmitting the entrance address to the mobile terminal of the user in a near field communication mode.
Optionally, the self-service transaction terminal further includes a prompting unit for prompting the user to input a transaction password. So as to further verify the transaction authority of the user and improve the security of the transaction.
In the fifth embodiment of the present invention, a card-free transaction request of a user is received, a card-free transaction interface is entered, an equipment identification number is obtained, the equipment identification number is sent to a background server, the background server is received, and an entry address of an authentication virtual system is generated according to a preset algorithm according to the equipment identification number, so that a mobile terminal of the user can log in the authentication virtual system for authentication according to the entry address, and finally, account information of the user sent by the background server is received, and a transaction right corresponding to the account information is obtained, so that the user can perform card-free transaction. In the scheme, the user directly communicates with the background server on the mobile terminal of the user to carry out identity authentication, and then card-free transaction operation is carried out on the self-service transaction terminal, so that the transaction safety can be improved, and the self-service transaction terminal is not required to be provided with an identity recognition module, so that the cost of a transaction mechanism can be reduced.
Example six:
fig. 6 is a schematic diagram of a terminal device according to an embodiment of the present invention. As shown in fig. 6, the terminal device 6 of this embodiment includes: a processor 60, a memory 61 and a computer program 62, such as a self-service transaction program, stored in said memory 61 and executable on said processor 60. The processor 60, when executing the computer program 62, implements the steps in the above-described embodiments of the self-service transaction method, such as the steps 201 to 205 shown in fig. 1. Alternatively, the processor 60, when executing the computer program 62, implements the functions of the modules/units in the above-mentioned device embodiments, such as the functions of the units 41 to 45 shown in fig. 4.
Illustratively, the computer program 62 may be partitioned into one or more modules/units that are stored in the memory 61 and executed by the processor 60 to implement the present invention. The one or more modules/units may be a series of computer program instruction segments capable of performing specific functions, which are used to describe the execution of the computer program 62 in the terminal device 6. For example, the computer program 62 may be divided into a number acquisition unit, an address generation unit, an address transmission unit, an information verification unit, and an information transmission unit, and each unit specifically functions as follows:
a number acquisition unit for acquiring a device identification number;
the address generating unit is used for generating an entry address of the authentication virtual system according to the equipment identification number and a preset algorithm;
the address sending unit is used for sending the entry address to the self-service transaction terminal so that a user can log in an authentication virtual system on the mobile terminal to perform authentication according to the entry address;
the information verification unit is used for receiving and verifying the identity information of the user sent by the mobile terminal;
and the information sending unit is used for sending the account information of the user to the self-service transaction terminal if the identity information of the user passes the verification so as to facilitate the user to carry out card-free transaction.
The terminal device 6 may be a computing device such as a cloud server. The terminal device 6 may include, but is not limited to, a processor 60, a memory 61. Those skilled in the art will appreciate that fig. 6 is merely an example of a terminal device 6 and does not constitute a limitation of terminal device 6 and may include more or less components than those shown, or some components in combination, or different components, for example, the terminal device may also include input output devices, network access devices, buses, etc.
The Processor 60 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory 61 may be an internal storage unit of the terminal device 6, such as a hard disk or a memory of the terminal device 6. The memory 61 may also be an external storage device of the terminal device 6, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, which are provided on the terminal device 6. Further, the memory 61 may also include both an internal storage unit and an external storage device of the terminal device 6. The memory 61 is used for storing the computer program and other programs and data required by the terminal device. The memory 61 may also be used to temporarily store data that has been output or is to be output.
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, all or part of the flow of the method according to the embodiments of the present invention may also be implemented by a computer program, which may be stored in a computer-readable storage medium, and when the computer program is executed by a processor, the steps of the method embodiments may be implemented. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain other components which may be suitably increased or decreased as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media which may not include electrical carrier signals and telecommunications signals in accordance with legislation and patent practice.
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 (9)
1. A self-service transaction method, characterized in that the self-service transaction method comprises:
the method comprises the steps that a background server obtains a device identification number of a self-service transaction terminal to be transacted;
after receiving the equipment identification number, generating a group of random serial numbers according to a preset rule;
searching the position information of the self-service transaction terminal according to the equipment identification number;
generating an entry address of an authentication virtual system by the equipment identification number, the position information and the random serial number according to a preset algorithm;
sending the entry address to a self-service transaction terminal so that a user can log in an authentication virtual system on a mobile terminal according to the entry address to perform authentication;
receiving and verifying the identity information of the user sent by the mobile terminal;
and if the identity information of the user passes the verification, sending the account information of the user to the self-service transaction terminal so that the user can conveniently carry out card-free transaction.
2. The self-service transaction method according to claim 1, wherein the sending the portal address to the self-service transaction terminal specifically comprises:
sending the entry address to the self-service transaction terminal for displaying; alternatively, the first and second electrodes may be,
sending the entry address to the self-service transaction terminal so that the self-service transaction terminal can generate a two-dimensional code containing the entry address; or;
generating a two-dimensional code containing the entry address based on the entry address;
at this time, the sending the entry address to the self-service transaction terminal includes sending a two-dimensional code including the entry address to the self-service transaction terminal.
3. A self-service transaction method, characterized in that the self-service transaction method comprises:
the self-service transaction terminal receives a card-free transaction request of a user and enters a card-free transaction interface;
acquiring an equipment identification number, and sending the equipment identification number to a background server so that the background server can search the position information of the self-service transaction terminal according to the equipment identification number; generating an entry address of the authentication virtual system by the equipment identification number, the position information and the random serial number according to a preset algorithm; the random serial number is generated by the background server according to a preset rule after the background server receives the equipment identification number;
receiving the entry address sent by the background server so that the mobile terminal of the user can log in the authentication virtual system for authentication according to the entry address;
and receiving the account information of the user sent by the background server, and acquiring the transaction authority corresponding to the account information so as to facilitate the user to carry out card-free transaction.
4. The self-service transaction method of claim 3, wherein the receiving the entry address sent by the background server so that the mobile terminal of the user logs in the authentication virtual system for authentication according to the entry address, further comprises:
and transmitting the entrance address to a mobile terminal of a user in a near field communication mode.
5. A self-service transaction system, the self-service transaction system comprising: the system comprises a mobile terminal, a background server and a self-service transaction terminal;
the self-service transaction terminal is used for receiving a card-free transaction request of a user and entering a card-free transaction interface; acquiring an equipment identification number, and sending the equipment identification number to a background server;
the background server is used for generating a group of random serial numbers according to a preset rule after receiving the equipment identification numbers; searching the position information of the self-service transaction terminal according to the equipment identification number; generating an entry address of an authentication virtual system by the equipment identification number, the position information and the random serial number according to a preset algorithm;
the self-service transaction terminal is also used for receiving the entrance address sent by the background server;
the mobile terminal is used for logging in the authentication virtual system according to the entry address and sending the identity information of the user to the background server for authentication;
the background server is also used for receiving and verifying the identity information of the user sent by the mobile terminal; if the identity information of the user passes the verification, the account information of the user is sent to the self-service transaction terminal so that the user can conveniently carry out card-free transaction;
the self-service transaction terminal is further used for receiving the account information of the user sent by the background server and acquiring the transaction authority corresponding to the account information so that the user can conveniently carry out card-free transaction.
6. A server for self-service transactions, the server comprising:
a number acquisition unit for acquiring a device identification number;
the address generating unit is used for generating an entry address of the authentication virtual system according to the equipment identification number and a preset algorithm;
the address sending unit is used for sending the entry address to the self-service transaction terminal so that a user can log in an authentication virtual system on the mobile terminal to perform authentication according to the entry address;
the information verification unit is used for receiving and verifying the identity information of the user sent by the mobile terminal;
the information sending unit is used for sending the account information of the user to the self-service transaction terminal if the identity information of the user passes verification so that the user can carry out card-free transaction conveniently;
the address generation unit specifically includes:
the serial number generation module is used for generating a group of random serial numbers according to a preset rule after the equipment identification number is received;
the address generation module is used for generating an entry address of the authentication virtual system by the equipment identification number and the random serial number according to a preset algorithm;
the address generation module specifically includes:
the position searching submodule is used for searching the position information of the self-service transaction terminal according to the equipment identification number;
and the address generation submodule is used for generating the entry address of the authentication virtual system by the equipment identification number, the position information and the random serial number according to a preset algorithm.
7. A self-service transaction terminal, the self-service transaction terminal comprising:
the request processing unit is used for receiving a card-free transaction request of a user and entering a card-free transaction interface;
the number sending unit is used for acquiring the equipment identification number and sending the equipment identification number to the background server so that the background server can search the position information of the self-service transaction terminal according to the equipment identification number; generating an entry address of the authentication virtual system by the equipment identification number, the position information and the random serial number according to a preset algorithm; the random serial number is generated by the background server according to a preset rule after the background server receives the equipment identification number;
the address receiving unit is used for receiving the entry address sent by the background server so that the mobile terminal of the user can log in the authentication virtual system to perform authentication according to the entry address;
and the permission acquisition unit is used for receiving the account information of the user sent by the background server and acquiring the transaction permission corresponding to the account information so as to facilitate the user to carry out card-free transaction.
8. A terminal device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that the steps of the method according to claim 1 or 2 are implemented when the processor executes the computer program.
9. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to claim 1 or 2.
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| CN109829710B (en) * | 2019-01-07 | 2021-11-19 | 中国银行股份有限公司 | Transaction processing method, self-service terminal, client, mobile terminal, server and storage medium |
| CN112929263B (en) * | 2021-03-02 | 2021-12-10 | 华录智达科技股份有限公司 | Real-time system with quick response |
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| CN101211436B (en) * | 2006-12-29 | 2012-03-21 | 盛大计算机（上海）有限公司 | Electronic commerce safe trading platform and its method |
| CN102411817B (en) * | 2011-09-19 | 2014-01-01 | 中国工商银行股份有限公司 | Method and system for identifying bank self-service machine |
| CN103646328A (en) * | 2013-12-06 | 2014-03-19 | 上海众人网络安全技术有限公司 | Camera-based security payment method |
| CN105809419A (en) * | 2014-12-29 | 2016-07-27 | 北京握奇智能科技有限公司 | Online banking transaction system |
| CN106651372A (en) * | 2016-10-24 | 2017-05-10 | 中国银行股份有限公司 | Data processing method and system |
| CN106656489B (en) * | 2016-12-07 | 2020-04-14 | 浙江工商大学 | Mobile payment-oriented safety improvement method for information interaction between self-service selling equipment and server |
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| US7206928B2 (en) * | 2003-06-03 | 2007-04-17 | Digi International Inc. | System boot method |
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