CN107657441B - Self-service transaction method, system, server and mobile terminal - Google Patents

Self-service transaction method, system, server and mobile terminal Download PDF

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Publication number
CN107657441B
CN107657441B CN201710844592.9A CN201710844592A CN107657441B CN 107657441 B CN107657441 B CN 107657441B CN 201710844592 A CN201710844592 A CN 201710844592A CN 107657441 B CN107657441 B CN 107657441B
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self
mobile terminal
service transaction
terminal
user
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CN201710844592.9A
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CN107657441A (en
Inventor
周东
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Shenzhen Yihua Computer Co Ltd
Shenzhen Yihua Time Technology Co Ltd
Shenzhen Yihua Financial Intelligent Research Institute
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Shenzhen Yihua Computer Co Ltd
Shenzhen Yihua Time Technology Co Ltd
Shenzhen Yihua Financial Intelligent Research Institute
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Priority to CN201710844592.9A priority Critical patent/CN107657441B/en
Publication of CN107657441A publication Critical patent/CN107657441A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/50—Network services
    • H04L67/52—Network services specially adapted for the location of the user terminal
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/02—Services making use of location information
    • H04W4/023—Services making use of location information using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds

Abstract

The invention is suitable for the technical field of self-service transaction, and provides a self-service transaction method, a system, a server and a mobile terminal, which comprise: the background server receives a connection request sent by the mobile terminal; receiving the current geographic position of the user to be transacted and the equipment identification number of the self-service transaction terminal to be transacted, which are sent by the mobile terminal; confirming whether the user and the self-service transaction terminal are located at the same position or not according to the current geographic position and the equipment identification number; if the user and the self-service transaction terminal are at the same position, generating a transaction sequence code according to the equipment code of the mobile terminal, the equipment identification number and the effective time; and sending the transaction sequence code to the mobile terminal and the self-service transaction terminal so that the user can carry out card-free transaction on the self-service transaction terminal according to the transaction sequence code. By the method, the transaction safety can be improved, and the transaction mechanism cost can be reduced.

Description

Self-service transaction method, system, server and mobile terminal
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, a server and a mobile terminal.
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 simulate face images by using an ultrathin human skin mask, even if the same person is at different ages and different time periods, facial features of the same person may slightly change (such as influences on factors such as whether beard exists, makeup exists, glasses are worn, and the face has wound traces), the recognition rate and the algorithm of the biological recognition technology still need 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, system, server and mobile terminal, 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 at a background server side, which comprises the following steps:
the background server receives a connection request sent by the mobile terminal;
after the background server is successfully connected with the mobile terminal, receiving the current geographic position of the user to be transacted and the equipment identification number of the self-service transaction terminal to be transacted, which are sent by the mobile terminal;
confirming whether the user and the self-service transaction terminal are located at the same position or not according to the current geographic position and the equipment identification number;
if the user and the self-service transaction terminal are at the same position, a transaction sequence code is generated according to the equipment identification number and the effective time;
and sending the transaction sequence code to the mobile terminal and the self-service transaction terminal so that the user can carry out card-free transaction on the self-service transaction terminal according to the transaction sequence code.
The second aspect of the present invention provides a self-service transaction method at a mobile terminal, including:
the mobile terminal sends a connection request to a background server;
after the connection with the background server is successful, acquiring the current geographic position of the user to be transacted and the equipment identification number of the self-service transaction terminal to be transacted;
sending the current geographic position and the equipment identification number to the background server so that the background server can confirm whether the user and the self-service transaction terminal are in the same position or not according to the current geographic position and the equipment identification number;
and receiving a transaction sequence code generated by the background server after the background server confirms that the user and the self-service transaction terminal are at the same position, so that the user can conveniently carry out card-free transaction on the self-service transaction terminal according to the transaction sequence code.
A third aspect of the present invention provides a self-service transaction system, comprising:
the mobile terminal is used for sending a connection request to a background server, acquiring the current geographic position of a user to be transacted and the equipment identification number of the self-service transaction terminal to be transacted after the mobile terminal is successfully connected with the background server, and sending the current geographic position and the equipment identification number to the background server;
the background server is used for receiving a connection request sent by the mobile terminal, and after the connection request is successfully connected with the mobile terminal, determining whether the user and the self-service transaction terminal are at the same position or not according to the current geographic position of the user to be transacted, which is sent by the mobile terminal, and the equipment identification number of the self-service transaction terminal to be transacted;
the background server is further used for generating a transaction sequence code according to the equipment code of the mobile terminal, the equipment identification number and the effective time if the user and the self-service transaction terminal are at the same position;
the background server is also used for sending the transaction sequence code to the mobile terminal and the self-service transaction terminal;
the self-service transaction terminal is used for receiving the transaction sequence code sent by the mobile terminal and verifying whether the transaction sequence code sent by the mobile terminal is the same as the transaction sequence code sent by the background server, and if so, acquiring transaction account information of the user according to the transaction sequence code sent by the mobile terminal so that the user can carry out card-free transaction on the self-service transaction terminal.
A fourth aspect of the present invention provides a server comprising:
the request receiving unit is used for receiving a connection request sent by the mobile terminal by the background server;
the information receiving unit is used for receiving the current geographic position of the user to be transacted and the equipment identification number of the self-service transaction terminal to be transacted, which are sent by the mobile terminal, after the background server is successfully connected with the mobile terminal;
the position confirmation unit is used for confirming whether the user and the self-service transaction terminal are located at the same position or not according to the current geographic position and the equipment identification number;
the sequence code generating unit is used for generating a transaction sequence code according to the equipment identification number and the effective time if the user and the self-service transaction terminal are at the same position;
and the serial code sending unit is used for sending the transaction serial code to the mobile terminal and the self-service transaction terminal so that the user can conveniently carry out card-free transaction on the self-service transaction terminal according to the transaction serial code.
A fifth aspect of the present invention provides a mobile terminal, including:
the request sending unit is used for sending a connection request to the background server by the mobile terminal;
the information acquisition unit is used for acquiring the current geographic position of the user to be transacted and the equipment identification number of the self-service transaction terminal to be transacted after the background server is successfully connected;
the information sending unit is used for sending the current geographic position and the equipment identification number to the background server so that the background server can confirm whether the user and the self-service transaction terminal are located at the same position or not according to the current geographic position and the equipment identification number;
and the sequence code receiving unit is used for receiving a transaction sequence code generated after the background server confirms that the user and the self-service transaction terminal are at the same position, so that the user can conveniently carry out card-free transaction on the self-service transaction terminal according to the transaction sequence code.
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: in the embodiment of the invention, a connection request sent by a mobile terminal is received through a background server, the background server receives a current geographic position of a user to be transacted and an equipment identification number of a self-service transaction terminal to be transacted, which are sent by the mobile terminal, after the background server is successfully connected with the mobile terminal, then confirms whether the user and the self-service transaction terminal are at the same position or not according to the current geographic position and the equipment identification number, if the user and the self-service transaction terminal are at the same position, a transaction sequence code is generated according to the equipment identification number and effective time, the transaction sequence code is sent to the mobile terminal and the self-service transaction terminal, so that the user can carry out card-free transaction on the self-service transaction terminal according to the transaction sequence code, in the scheme, the mobile terminal is directly connected with the background server to communicate and obtain the transaction sequence code, the user carries out card-free transaction on the self-service transaction terminal according to the transaction sequence code, the transaction safety and the self-service transaction efficiency can be improved, and the self-service transaction terminal does not need to be provided with an identity identification module, 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 mobile 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 mobile 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 mobile terminal 3 is used for sending a connection request to the background server 2, acquiring the current geographic position of the user to be transacted and the equipment identification number of the self-service transaction terminal 1 to be transacted after the connection with the background server 2 is successful, and sending the current geographic position and the equipment identification number to the background server 2.
The equipment identification number refers to the equipment number of the self-service transaction terminal 1 and has uniqueness. Further, the device identification number corresponds to the position information of the self-service transaction terminal 1, so that the background server 2 can search the position information of the self-service transaction terminal 1 according to the device identification number. Further, the mobile terminal 3 is further configured to acquire identity information of a user to be transacted, and send the identity information to the background server 2, so as to perform identity authentication with the background server 2. Further, the connection request includes the device code of the mobile terminal 3.
The background server 2 is configured to receive the connection request sent by the mobile terminal 3, and after the connection request is successfully connected with the mobile terminal 3, determine whether the user and the self-service transaction terminal 1 are located at the same position according to the current geographic position of the user to be transacted, which is sent by the mobile terminal 3, and the device identification number of the self-service transaction terminal 1 to be transacted.
And the background server 2 is further configured to generate a transaction sequence code according to the device identification number and the valid time if the user and the self-service transaction terminal 1 are located at the same position.
Optionally, in the embodiment of the present invention, the device code of the mobile terminal 3, the device identification number, and the valid time are used to generate a transaction sequence code according to a preset sequence algorithm. Further, the transaction sequence code includes a random code, and it should be noted that, in the embodiment of the present invention, the same random code does not exist, and therefore, the same transaction sequence code does not exist.
The background server 2 is further configured to send the transaction serial code to the mobile terminal 3 and the self-service transaction terminal 1.
The self-service transaction terminal 1 is configured to receive the transaction sequence code sent by the mobile terminal 3, verify whether the transaction sequence code sent by the mobile terminal 3 is the same as the transaction sequence code sent by the background server 2, and if so, obtain transaction account information of the user according to the transaction sequence code sent by the mobile terminal 3, so that the user can perform card-free transaction on the self-service transaction terminal 1. The transaction account information comprises a transaction account number and a transaction password. Specifically, after verifying that the transaction sequence code sent by the mobile terminal 3 is the same as the transaction sequence code sent by the background server 2, the self-service transaction terminal 1 enters a common transaction interface for the user to perform transaction operation. The transaction operation comprises information viewing, depositing and withdrawing operation and the like.
Optionally, in the embodiment of the present invention, the background server 2 is further configured to detect an operation state of the self-service transaction terminal 1, and execute a corresponding operation according to the operation state. Specifically, if the self-service transaction terminal 1 is in an idle state, a transaction sequence code is generated according to the device code of the mobile terminal 3, the device identification number and the valid time. If the self-service transaction terminal 1 is in a fault state, recommending the positioning information of the self-service transaction terminal 1 with the minimum distance value with the current geographical position to the mobile terminal 3 according to the current geographical position of the user; if the self-service transaction terminal 1 is in a busy state, sending a waiting prompt message to the mobile terminal 3, or recommending the positioning information of the self-service transaction terminal 1 with the minimum distance value with the current geographic position to the mobile terminal 3 according to the current geographic position of the user.
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 3 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 connection request is sent to a background server through a mobile terminal, after the connection with the background server is successful, the current geographic position of a user to be transacted and the equipment identification number of a self-service transaction terminal to be transacted are obtained, and the current geographic position and the equipment identification number are sent to the background server, the background server confirms whether the user and the self-service transaction terminal are at the same position or not according to the current geographic position of the user to be transacted and the equipment identification number of the self-service transaction terminal to be transacted, if the user and the self-service transaction terminal are at the same position, the background server generates a transaction sequence code according to the equipment identification number and the valid time, and sends the transaction sequence code to the mobile terminal and the self-service transaction terminal, the self-service transaction terminal receives the transaction sequence code sent by the mobile terminal and verifies whether the transaction sequence code sent by the mobile terminal is the same as the transaction sequence code sent by the background server, if so, transaction account information of the user is acquired according to the transaction sequence code sent by the mobile terminal, so that the user can conveniently carry out card-free transaction on the self-service transaction terminal.
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 receives a connection request sent by the mobile terminal.
Wherein the connection request includes a device code of the mobile terminal. Specifically, the background server receives identity information of a user to be traded, which is sent by the mobile terminal, and performs identity authentication on the user according to the identity information. And if the identity authentication is passed, feeding back connection success information to the mobile terminal.
Optionally, in an embodiment of the present invention, the step S201 specifically includes:
a1, receiving login information sent by the mobile terminal;
and A2, performing identity authentication according to the login information.
Step S202, after the background server is successfully connected with the mobile terminal, the background server receives the current geographic position of the user to be transacted and the equipment identification number of the self-service transaction terminal to be transacted, which are sent by the mobile terminal.
Specifically, in the embodiment of the present invention, the current geographic location of the user to be transacted is the location of the mobile terminal. The equipment identification number corresponds to the position information of the self-service transaction terminal. And the background server searches the position information of the self-service transaction terminal in a pre-established serial number position corresponding table according to the equipment identification serial number.
Step S203, confirming whether the user and the self-service transaction terminal are in the same position or not according to the current geographic position and the equipment identification number.
In the embodiment of the invention, whether the user and the self-service transaction terminal are at the same position is confirmed according to the current geographic position and the equipment identification number, so that the equipment identification number seen by the user on the self-service transaction equipment is prevented from being turned into a bag by a person, and the transaction safety can be improved.
And step S204, if the user and the self-service transaction terminal are at the same position, generating a transaction sequence code according to the equipment identification number and the valid time.
The transaction sequence code comprises an effective duration and an equipment identification number of the self-service transaction terminal. And generating a transaction sequence code according to the equipment identification number and the effective time and a preset rule. The transaction sequence code includes a random code, and it should be noted that, in the embodiment of the present invention, the same random code does not exist, and therefore, the same transaction sequence code does not exist.
Optionally, when the mobile terminal may communicate with a self-service transaction terminal to be transacted in a close-range communication manner, the step S204 specifically includes:
and if the user and the self-service transaction terminal are at the same position, generating a transaction sequence code according to the equipment code of the mobile terminal, the equipment identification number and the effective time and a preset sequence algorithm. Wherein the transaction sequence code further comprises a device code of the mobile terminal. The equipment code of the mobile terminal refers to the identification code of the mobile terminal and is also the unique equipment code of each mobile terminal. Through the identification code, the network side can track and supervise the mobile terminal. In the embodiment of the invention, when the mobile terminal communicates with the self-service transaction terminal to be transacted in a close-range communication mode, the transaction sequence code containing the equipment code of the mobile terminal can be used for authentication between the mobile terminal and the self-service transaction terminal, so that the transaction safety can be further improved.
Optionally, in this embodiment of the present invention, the step S204 includes:
b1, if the user is at the same position as the self-service transaction terminal, detecting the running state of the self-service transaction terminal.
And B2, if the self-service transaction terminal is in an idle state, generating a transaction sequence code according to the equipment identification number and the valid time.
Optionally, in order to further improve the efficiency of the self-service transaction and enhance the user experience, the step S204 further includes:
and B3, if the self-service transaction terminal is in a fault state, recommending the positioning information of the self-service transaction terminal with the minimum distance value with the current geographical position to the mobile terminal according to the current geographical position of the user.
B4, if the self-service transaction terminal is in a busy state, sending a waiting prompt message to the mobile terminal, and/or recommending the positioning information of the self-service transaction terminal with the minimum distance value with the current geographic position to the mobile terminal according to the current geographic position of the user.
Specifically, the position of the self-service transaction terminal within a preset area range with the current geographic position of the user as a center is obtained, the distance value between the position of the self-service transaction terminal within the preset area range and the current geographic position of the user is changed from small to large, and the positioning information of the self-service transaction terminal with the minimum distance value between the position of the self-service transaction terminal and the current geographic position is recommended to the mobile terminal.
Optionally, in the embodiment of the present invention, if the user is not located at the same position as the self-service transaction terminal, a prompt message requesting invalidation is sent to the mobile terminal.
Step S205, the transaction sequence code is sent to the mobile terminal and the self-service transaction terminal, so that the user can conveniently carry out card-free transaction on the self-service transaction terminal according to the transaction sequence code.
In the embodiment of the invention, the transaction sequence code is simultaneously sent to the mobile terminal and the self-service transaction terminal, so that the user can check the transaction sequence code on the mobile terminal, and the self-service transaction terminal can verify the transaction sequence code input by the user.
In the second embodiment of the invention, a connection request sent by a mobile terminal is received through a background server, the background server receives a current geographic position of a user to be transacted and an equipment identification number of a self-service transaction terminal to be transacted, which are sent by the mobile terminal after the mobile terminal is successfully connected, then confirms whether the user and the self-service transaction terminal are at the same position according to the current geographic position and the equipment identification number, if the user and the self-service transaction terminal are at the same position, generates a transaction sequence code according to the equipment identification number and effective time, sends the transaction sequence code to the mobile terminal and the self-service transaction terminal so that the user can carry out card-free transaction on the self-service transaction terminal according to the transaction sequence code, and in the scheme, the mobile terminal is directly connected with the background server to communicate and obtain the transaction sequence code, the user carries out card-free transaction on the self-service transaction terminal according to the transaction sequence code, the transaction safety and the self-service transaction efficiency can be improved, and the self-service transaction terminal does not need to be provided with an identity identification module, 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 mobile terminal 3 shown in fig. 1, which is detailed as follows:
step S301, the mobile terminal sends a connection request to the background server.
Specifically, the sending, by the mobile terminal, the connection request to the background server specifically includes:
and acquiring the identity information of the user to be transacted, and sending the identity information to the background server so as to carry out identity authentication with the background server. Further, if the identity authentication is passed, receiving connection success information fed back by the background server. Further, the connection request includes a device code of the mobile terminal.
Optionally, in this embodiment of the present invention, the step S301 specifically includes:
c1, starting the specified application program on the mobile terminal. Specifically, a designated application on the mobile terminal is launched upon detection of a user instruction. Wherein the designated application refers to an application authorized by the transaction institution.
And C2, detecting the login information of the user and sending the detected login information to the background server. The login information comprises an application account and a password, and the application account can be an identity card number or a mobile phone number.
Step S302, after the background server is successfully connected, the current geographic position of the user to be transacted and the equipment identification number of the self-service transaction terminal to be transacted are obtained.
Specifically, a current geographic position is located through a GPR locating system of the mobile terminal, and an equipment identification number of the transaction terminal is obtained.
Step S303, sending the current geographic position and the equipment identification number to the background server, so that the background server can confirm whether the user and the self-service transaction terminal are located at the same position according to the current geographic position and the equipment identification number.
In the embodiment of the invention, the equipment identification number corresponds to the position information of the self-service transaction terminal. And the background server searches the position information of the self-service transaction terminal according to the identification number and then confirms whether the position information is consistent with the current geographic position of the user. It should be noted that, in the embodiment of the present invention, that the location information and the current geographic location of the user are located at the same location does not mean absolute agreement, and a distance value not greater than a preset range threshold is allowed to exist between the location information and the current geographic location.
Step S304, receiving a transaction sequence code generated by the background server after confirming that the user and the self-service transaction terminal are at the same position, so that the user can carry out card-free transaction on the self-service transaction terminal according to the transaction sequence code.
In the embodiment of the invention, when the transaction sequence code received by the mobile terminal and sent by the background server comprises the equipment code of the mobile terminal, the transaction sequence code can be transmitted to the self-service transaction terminal to be transacted for verification in a near field communication mode.
Optionally, after the step S304, the method further includes transmitting the self-service transaction serial code to the self-service transaction terminal through close-range communication.
Optionally, in the embodiment of the present invention, the self-service transaction method further includes receiving positioning information of the self-service transaction terminal recommended by the background server and having the minimum distance value from the current geographic location. And navigation can be performed according to the positioning information after receiving the navigation instruction.
In a third embodiment of the present invention, a connection request is sent to a background server through a mobile terminal, after the connection with the background server is successful, a current geographic position of a user to be transacted and an equipment identification number of a self-service transaction terminal to be transacted are obtained, and the current geographic position and the equipment identification number are sent to the background server, so that the background server confirms whether the user and the self-service transaction terminal are at the same position according to the current geographic position and the equipment identification number, and receives a transaction sequence code generated by the background server after confirming that the user and the self-service transaction terminal are at the same position, so that the user can perform a card-free transaction on the self-service transaction terminal according to the transaction sequence code. In the scheme, the mobile terminal is directly connected with the background server for communication to obtain the transaction sequence code, and the user carries out card-free transaction on the self-service transaction terminal by means of the transaction sequence code, so that the transaction safety and the self-service transaction efficiency 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 request receiving unit 41, an information receiving unit 42, a position confirming unit 43, a sequence code generating unit 44, a sequence code transmitting unit 45, wherein:
a request receiving unit 41, configured to receive, by a background server, a connection request sent by a mobile terminal;
the information receiving unit 42 is configured to receive, after the background server is successfully connected with the mobile terminal, the current geographic position of the user to be transacted and the device identification number of the self-service transaction terminal to be transacted, which are sent by the mobile terminal;
a location confirmation unit 43, configured to confirm whether the user and the self-service transaction terminal are located at the same location according to the current geographic location and the device identification number;
a sequence code generating unit 44, configured to generate a transaction sequence code according to the device identification number and the valid time if the user and the self-service transaction terminal are located at the same position;
and the serial code sending unit 45 is used for sending the transaction serial code to the mobile terminal and the self-service transaction terminal so that the user can conveniently carry out card-free transaction on the self-service transaction terminal according to the transaction serial code.
Optionally, the request receiving unit 41 specifically includes:
the login information receiving module is used for receiving login information sent by the mobile terminal;
and the identity authentication module is used for performing identity authentication according to the login information.
Optionally, the sequence code generating unit 44 specifically includes:
the state monitoring module is used for detecting the running state of the self-service transaction terminal if the user and the self-service transaction terminal are at the same position;
and the sequence code generation module is used for generating a transaction sequence code according to the equipment identification number and the effective time if the self-service transaction terminal is in an idle state.
Optionally, the sequence code generating unit 44 further includes:
the first recommending module is used for recommending the positioning information of the self-service transaction terminal with the minimum distance value with the current geographic position to the mobile terminal according to the current geographic position of the user if the self-service transaction terminal is in a fault state;
and the second recommending module is used for sending waiting prompt information to the mobile terminal if the self-service transaction terminal is in a busy state, and/or recommending the positioning information of the self-service transaction terminal with the minimum distance value with the current geographic position to the mobile terminal according to the current geographic position of the user.
In the fourth embodiment of the present invention, a connection request sent by a mobile terminal is received through a background server, after the background server is successfully connected to the mobile terminal, the background server receives a current geographic location of a user to be transacted and an equipment identification number of a self-service transaction terminal to be transacted, which are sent by the mobile terminal, then confirms whether the user and the self-service transaction terminal are at the same location according to the current geographic location and the equipment identification number, if the user and the self-service transaction terminal are at the same location, a transaction sequence code is generated according to the equipment identification number and the valid time, the transaction sequence code is sent to the mobile terminal and the self-service transaction terminal, so that the user can perform a card-free transaction on the self-service transaction terminal according to the transaction sequence code, in the scheme, the mobile terminal directly connects to the background server to communicate to obtain the transaction sequence code, the user carries out card-free transaction on the self-service transaction terminal according to the transaction sequence code, the transaction safety and the self-service transaction efficiency can be improved, and the self-service transaction terminal does not need to be provided with an identity identification module, so that the cost of a transaction mechanism can be reduced.
Example five:
fig. 5 shows a block diagram of a mobile terminal according to an embodiment of the present invention, where the mobile terminal is the mobile terminal 3 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 mobile terminal includes: a request transmitting unit 51, an information acquiring unit 52, an information transmitting unit 53, a serial code receiving unit 54, wherein:
a request sending unit 51, configured to send a connection request to a background server by the mobile terminal;
the information obtaining unit 52 is configured to obtain the current geographic location of the user to be transacted and the device identification number of the self-service transaction terminal to be transacted after the connection with the background server is successful;
the information sending unit 53 is configured to send the current geographic location and the device identification number to the background server, so that the background server determines whether the user and the self-service transaction terminal are located at the same location according to the current geographic location and the device identification number;
and a sequence code receiving unit 54, configured to receive a transaction sequence code generated by the background server after confirming that the user and the self-service transaction terminal are at the same position, so that the user performs a card-less transaction on the self-service transaction terminal according to the transaction sequence code.
Optionally, the request sending unit 51 specifically includes:
and the program starting module is used for starting the appointed application program on the mobile terminal.
And the detection module is used for detecting the login information of the user and sending the detected login information to the background server.
Optionally, in this embodiment of the present invention, the mobile terminal further includes:
and the communication unit is used for transmitting the self-service transaction serial code to the self-service transaction terminal in a close-range communication mode.
Optionally, in this embodiment of the present invention, the mobile terminal further includes:
and the recommendation receiving unit is used for receiving the positioning information of the self-service transaction terminal recommended by the background server and having the minimum distance value with the current geographic position.
And the navigation unit is used for navigating according to the positioning information after receiving the navigation instruction.
In a fifth embodiment of the present invention, a connection request is sent to a background server through a mobile terminal, after the connection with the background server is successful, a current geographic position of a user to be transacted and an equipment identification number of a self-service transaction terminal to be transacted are obtained, and the current geographic position and the equipment identification number are sent to the background server, so that the background server confirms whether the user and the self-service transaction terminal are located at the same position according to the current geographic position and the equipment identification number, and receives a transaction sequence code generated by the background server after confirming that the user and the self-service transaction terminal are located at the same position, so that the user can perform a card-free transaction on the self-service transaction terminal according to the transaction sequence code. In the scheme, the mobile terminal is directly connected with the background server for communication to obtain the transaction sequence code, and the user carries out card-free transaction on the self-service transaction terminal by means of the transaction sequence code, so that the transaction safety and the self-service transaction efficiency 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 request receiving unit, an information receiving unit, a position confirming unit, a sequence code generating unit, and a sequence code transmitting unit, and the specific functions of each unit are as follows:
the request receiving unit is used for receiving a connection request sent by the mobile terminal by the background server;
the information receiving unit is used for receiving the current geographic position of the user to be transacted and the equipment identification number of the self-service transaction terminal to be transacted, which are sent by the mobile terminal, after the background server is successfully connected with the mobile terminal;
the position confirmation unit is used for confirming whether the user and the self-service transaction terminal are located at the same position or not according to the current geographic position and the equipment identification number;
the sequence code generating unit is used for generating a transaction sequence code according to the equipment identification number and the effective time if the user and the self-service transaction terminal are at the same position;
and the serial code sending unit is used for sending the transaction serial code to the mobile terminal and the self-service transaction terminal so that the user can conveniently carry out card-free transaction on the self-service transaction terminal according to the transaction serial code.
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 (10)

1. A self-service transaction method, characterized in that the self-service transaction method comprises:
the background server receives a connection request sent by the mobile terminal; specifically, the background server receives identity information of a user to be traded, which is sent by the mobile terminal, and performs identity authentication on the user according to the identity information; if the identity authentication is passed, feeding back connection success information to the mobile terminal; the connection request comprises a device code of the mobile terminal;
the background server receives the current geographic position of the user to be transacted and the equipment identification number of the self-service transaction terminal to be transacted, which are sent by the mobile terminal, after the background server is successfully connected with the mobile terminal, wherein the equipment identification number corresponds to the position information of the self-service transaction terminal;
confirming whether the user and the self-service transaction terminal are located at the same position or not according to the current geographic position and the equipment identification number, specifically, the background server searches position information of the self-service transaction terminal in a pre-established number position corresponding table according to the equipment identification number;
if the user and the self-service transaction terminal are at the same position, generating a transaction sequence code according to the equipment code of the mobile terminal, the equipment identification number and the effective time;
and sending the transaction sequence code to the mobile terminal and the self-service transaction terminal so that the user can carry out card-free transaction on the self-service transaction terminal according to the transaction sequence code.
2. The self-service transaction method according to claim 1, wherein the step of generating a transaction serial code according to the device identification number and the valid time if the user is at the same position as the self-service transaction terminal specifically comprises:
if the user and the self-service transaction terminal are at the same position, detecting the running state of the self-service transaction terminal;
and if the self-service transaction terminal is in an idle state, generating a transaction sequence code according to the equipment identification number and the effective time.
3. The self-service transaction method of claim 2, wherein the step of generating a transaction serial code according to the device identification number and the valid time if the user is at the same position as the self-service transaction terminal further comprises:
if the self-service transaction terminal is in a fault state, recommending the positioning information of the self-service transaction terminal with the minimum distance value with the current geographic position to the mobile terminal according to the current geographic position of the user;
and if the self-service transaction terminal is in a busy state, sending waiting prompt information to the mobile terminal, and/or recommending the positioning information of the self-service transaction terminal with the minimum distance value with the current geographic position to the mobile terminal according to the current geographic position of the user.
4. A self-service transaction method, characterized in that the self-service transaction method comprises:
the method comprises the steps that a mobile terminal sends a connection request to a background server, specifically, the background server receives identity information of a user to be traded sent by the mobile terminal, and identity authentication is carried out on the user according to the identity information; if the identity authentication is passed, feeding back connection success information to the mobile terminal; the connection request comprises a device code of the mobile terminal;
after the connection with the background server is successful, acquiring the current geographic position of a user to be transacted and an equipment identification number of a self-service transaction terminal to be transacted, wherein the equipment identification number corresponds to the position information of the self-service transaction terminal;
sending the current geographic position and the equipment identification number to the background server so that the background server can confirm whether the user and the self-service transaction terminal are at the same position or not according to the current geographic position and the equipment identification number, and specifically, searching position information of the self-service transaction terminal in a pre-established number position corresponding table according to the equipment identification number;
and receiving a transaction sequence code generated after the background server confirms that the user and the self-service transaction terminal are at the same position, specifically, if the background server confirms that the user and the self-service transaction terminal are at the same position, generating the transaction sequence code according to the equipment code of the mobile terminal, the equipment identification number and the valid time, so that the user can carry out card-free transaction on the self-service transaction terminal according to the transaction sequence code.
5. The self-service transaction method according to claim 4, wherein the step of the mobile terminal sending a connection request to the background server specifically comprises:
and acquiring the identity information of the user to be transacted, and sending the identity information to the background server so as to carry out identity authentication with the background server.
6. 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 mobile terminal is used for sending a connection request to a background server, the connection request comprises a device code of the mobile terminal, after the connection with the background server is successful, the current geographic position of a user to be transacted and a device identification number of a self-service transaction terminal to be transacted are obtained, the current geographic position and the device identification number are sent to the background server, and the device identification number corresponds to the position information of the self-service transaction terminal;
the background server is used for receiving a connection request sent by the mobile terminal; specifically, the background server receives identity information of a user to be traded, which is sent by the mobile terminal, and performs identity authentication on the user according to the identity information; if the identity authentication is passed, feeding back connection success information to the mobile terminal, after the mobile terminal is successfully connected, confirming whether the user and the self-service transaction terminal are at the same position or not according to the current geographic position of the user to be transacted and the equipment identification number of the self-service transaction terminal to be transacted, which are sent by the mobile terminal, and specifically, searching the position information of the self-service transaction terminal in a pre-established number position corresponding table by the background server according to the equipment identification number;
the background server is further used for generating a transaction sequence code according to the equipment code of the mobile terminal, the equipment identification number and the effective time if the user and the self-service transaction terminal are at the same position;
the background server is also used for sending the transaction sequence code to the mobile terminal and the self-service transaction terminal;
the self-service transaction terminal is used for receiving the transaction sequence code sent by the mobile terminal and verifying whether the transaction sequence code sent by the mobile terminal is the same as the transaction sequence code sent by the background server, and if so, acquiring transaction account information of the user according to the transaction sequence code sent by the mobile terminal so that the user can carry out card-free transaction on the self-service transaction terminal.
7. A server, characterized in that the server comprises:
the request receiving unit is used for receiving a connection request sent by the mobile terminal by the background server; specifically, the background server receives identity information of a user to be traded, which is sent by the mobile terminal, and performs identity authentication on the user according to the identity information; if the identity authentication is passed, feeding back connection success information to the mobile terminal; the connection request comprises a device code of the mobile terminal;
the information receiving unit is used for receiving the current geographic position of the user to be transacted and the equipment identification number of the self-service transaction terminal to be transacted, which are sent by the mobile terminal, after the background server is successfully connected with the mobile terminal, wherein the equipment identification number corresponds to the position information of the self-service transaction terminal;
the position confirmation unit is used for confirming whether the user and the self-service transaction terminal are at the same position or not according to the current geographic position and the equipment identification number, and specifically, searching the position information of the self-service transaction terminal in a pre-established number position corresponding table according to the equipment identification number;
the sequence code generating unit is used for generating a transaction sequence code according to the equipment code of the mobile terminal, the equipment identification number and the effective time if the user and the self-service transaction terminal are at the same position;
and the serial code sending unit is used for sending the transaction serial code to the mobile terminal and the self-service transaction terminal so that the user can conveniently carry out card-free transaction on the self-service transaction terminal according to the transaction serial code.
8. A mobile terminal, characterized in that the mobile terminal comprises:
the system comprises a request sending unit, a background server and a transaction processing unit, wherein the request sending unit is used for sending a connection request to the background server by the mobile terminal, so that the background server receives identity information of a user to be transacted, which is sent by the mobile terminal, and carries out identity authentication on the user according to the identity information; if the identity authentication is passed, feeding back connection success information to the mobile terminal; the connection request comprises a device code of the mobile terminal;
the information acquisition unit is used for acquiring the current geographic position of a user to be transacted and the equipment identification number of the self-service transaction terminal to be transacted after the background server is successfully connected, wherein the equipment identification number corresponds to the position information of the self-service transaction terminal;
the information sending unit is used for sending the current geographic position and the equipment identification number to the background server so that the background server can confirm whether the user and the self-service transaction terminal are at the same position or not according to the current geographic position and the equipment identification number, and specifically, the position information of the self-service transaction terminal is searched in a pre-established number position corresponding table according to the equipment identification number;
and the sequence code receiving unit is used for receiving a transaction sequence code generated after the background server confirms that the user and the self-service transaction terminal are at the same position, and specifically, if the background server confirms that the user and the self-service transaction terminal are at the same position, the transaction sequence code is generated according to the equipment code of the mobile terminal, the equipment identification number and the valid time, so that the user can conveniently carry out card-free transaction on the self-service transaction terminal according to the transaction sequence code.
9. A terminal device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor when executing the computer program implements the steps of the self-service transaction method according to any one of claims 1 to 3.
10. A computer-readable storage medium, having a computer program stored thereon, wherein the computer program, when executed by a processor, implements the steps of the self-service transaction method of any of claims 1 to 3.
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