CN108009919B

CN108009919B - Financial transaction method, device, equipment and readable storage medium

Info

Publication number: CN108009919B
Application number: CN201711221538.5A
Authority: CN
Inventors: 周镜桂
Original assignee: Shenzhen Yihua Computer Co Ltd; Shenzhen Yihua Time Technology Co Ltd; Shenzhen Yihua Financial Intelligent Research Institute
Current assignee: Shenzhen Yihua Computer Co Ltd; Shenzhen Yihua Time Technology Co Ltd; Shenzhen Yihua Financial Intelligent Research Institute
Priority date: 2017-11-22
Filing date: 2017-11-22
Publication date: 2021-11-12
Anticipated expiration: 2037-11-22
Also published as: CN108009919A

Abstract

The invention discloses a financial transaction method, a financial transaction device, computer equipment and a readable storage medium.A trustee terminal generates an authorization two-dimensional code according to financial transaction authorization information which is provided by a trustee and is matched with a set financial account, and sends the authorization two-dimensional code to a trustee terminal; the entrusting party terminal receives transaction authorization verification information which is sent by self-service financial equipment and requests for a financial transaction operation password of the financial account; the entrusting party terminal generates a transaction authorization confirmation response according to the financial transaction operation password of the financial account number input by the entrusting party aiming at the transaction authorization verification information; and the entrusting party terminal feeds back the transaction authorization confirmation response to the self-service financial equipment so that the self-service financial equipment completes the financial transaction matched with the transaction content information. The embodiment of the invention realizes that other people can be safely and conveniently commissioned to handle financial transaction services.

Description

Financial transaction method, device, equipment and readable storage medium

Technical Field

The embodiment of the invention relates to the field of financial transactions, in particular to a method, a device, equipment and a readable storage medium for financial transactions.

Background

The security of the account for financial transactions has been a concern, especially when the holder of the magnetic card for financial transactions cannot complete the transaction and entrusts others to complete the transaction instead.

Conventional financial transactions also often rely on the cardholder himself completing the financial transaction to an automated financial device or to a bank counter. When the card holder entrusts others to handle financial business instead of transaction due to busy affairs, the card holder can only handle the financial business over the bank counter, and usually requires to sign the relation document of the card holder and the entrusted person, and provide procedures such as identification cards, bank cards, deposit and withdrawal passwords of both parties to complete the financial transaction such as deposit and withdrawal. The procedures are complicated, and the account information of the cardholder is exposed to other people, so that the safety of the relevant information of the cardholder is threatened.

Disclosure of Invention

The invention provides a financial transaction method, a financial transaction device, computer equipment and a readable storage medium, which are used for safely and conveniently entrusting other people to handle financial transaction business.

In a first aspect, an embodiment of the present invention provides a financial transaction method, including:

the method comprises the following steps that an entrusting party terminal generates an authorization two-dimensional code according to financial transaction authorization information which is provided by an entrusting party and matched with a set financial account, and sends the authorization two-dimensional code to an entrusted party terminal, wherein the financial transaction authorization information comprises the following steps: transaction content information;

the entrusting party terminal receives transaction authorization verification information which is sent by self-service financial equipment and requests for a financial transaction operation password of the financial account, wherein the transaction authorization verification information is generated after the self-service financial equipment scans the authorization two-dimensional code provided by the entrusted party terminal;

the entrusting party terminal generates a transaction authorization confirmation response according to the financial transaction operation password of the financial account number input by the entrusting party aiming at the transaction authorization verification information;

and the entrusting party terminal feeds back the transaction authorization confirmation response to the self-service financial equipment so that the self-service financial equipment completes the financial transaction matched with the transaction content information.

In a second aspect, an embodiment of the present invention further provides a financial transaction method, including:

the self-service financial equipment scans an authorized two-dimensional code provided by an authorized party terminal, and acquires financial transaction authorization information which corresponds to the authorized two-dimensional code and is matched with a set financial account, wherein the financial transaction authorization information comprises: transaction content information;

the self-service financial equipment generates transaction authorization verification information of a financial transaction operation password of the financial account according to the financial transaction authorization information;

the self-service financial equipment provides the transaction authorization verification information to the entrusting party terminal;

and the self-service financial equipment completes financial transaction matched with the transaction content information according to the received transaction authorization confirmation response fed back by the entrusting party terminal, wherein the transaction authorization confirmation response is generated by the entrusting party terminal according to the financial transaction operation password of the financial account number input by the entrusting party for the transaction authorization verification information.

In a third aspect, an embodiment of the present invention further provides a financial transaction apparatus, applied to a terminal of an entrusting party, including:

the authorization two-dimensional code generation module is used for generating an authorization two-dimensional code according to financial transaction authorization information which is provided by an entrusting party and matched with a set financial account, and sending the authorization two-dimensional code to an entrusted party terminal, wherein the financial transaction authorization information comprises: transaction content information;

the transaction authorization verification information receiving module is used for receiving transaction authorization verification information which is sent by self-service financial equipment and requests for a financial transaction operation password of the financial account, wherein the transaction authorization verification information is generated after the self-service financial equipment scans the authorization two-dimensional code provided by the authorized party terminal;

the transaction authorization confirmation response generation module is used for generating a transaction authorization confirmation response according to the financial transaction operation password of the financial account number input by the entrusting party aiming at the transaction authorization verification information;

and the transaction completion module is used for feeding back the transaction authorization confirmation response to the self-service financial equipment so as to enable the self-service financial equipment to complete the financial transaction matched with the transaction content information.

In a fourth aspect, an embodiment of the present invention further provides a financial transaction apparatus, which is applied to self-service financial equipment, and includes:

the financial transaction authorization information acquisition module is used for scanning an authorized two-dimensional code provided by an authorized party terminal and acquiring financial transaction authorization information which corresponds to the authorized two-dimensional code and is matched with a set financial account, and the financial transaction authorization information comprises: transaction content information;

the transaction authorization verification information generation module is used for generating transaction authorization verification information of a financial transaction operation password of the financial account according to the financial transaction authorization information;

the transaction authorization and verification information providing module is used for providing the transaction authorization and verification information to the entrusting party terminal;

and the transaction completion module is used for completing the financial transaction matched with the transaction content information according to the received transaction authorization confirmation response fed back by the entrusting party terminal, wherein the transaction authorization confirmation response is generated by the entrusting party terminal according to the financial transaction operation password of the financial account input by the entrusting party for the transaction authorization verification information.

In a fifth aspect, embodiments of the present invention further provide a terminal, including a memory, a processor, and a computer program stored on the memory and operable on the processor, wherein the processor executes the computer program to implement the financial transaction method according to any of the embodiments of the present invention.

In a sixth aspect, the present invention further provides a terminal-readable storage medium, on which a computer program is stored, which when executed by a processor implements a financial transaction method according to any embodiment of the present invention.

In a seventh aspect, an embodiment of the present invention further provides a self-service financial device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor executes the computer program to implement a financial transaction method according to any embodiment of the present invention.

In an eighth aspect, the embodiment of the present invention further provides a self-service financial device readable storage medium, on which a computer program is stored, and the program, when executed by a processor, implements a financial transaction method according to any embodiment of the present invention.

According to financial transaction authorization information matched with a set financial account number and provided by an entrusting party, an authorization two-dimensional code is generated and sent to an entrusted party terminal; the entrusting party terminal receives transaction authorization verification information which is sent by self-service financial equipment and requests for a financial transaction operation password of the financial account; the entrusting party terminal generates a transaction authorization confirmation response according to the financial transaction operation password of the financial account number input by the entrusting party aiming at the transaction authorization verification information; and the entrusting party terminal feeds back the transaction authorization confirmation response to the self-service financial equipment so that the self-service financial equipment completes the financial transaction matched with the transaction content information. The embodiment of the invention realizes safe and convenient commission of other people to handle financial transaction business through the interaction among the commission terminal, the trusted terminal and the self-service financial equipment.

Drawings

FIG. 1 is a flow chart of a financial transaction method according to an embodiment of the invention;

FIG. 2 is a flow chart of a financial transaction method according to a second embodiment of the present invention;

FIG. 3 is a flow chart of a financial transaction method according to a third embodiment of the present invention;

FIG. 4 is a flow chart of a financial transaction method according to a fourth embodiment of the present invention;

FIG. 5 is a flow chart of a financial transaction method according to a fifth embodiment of the present invention;

FIG. 6 is a flow chart of a financial transaction method according to a sixth embodiment of the present invention;

fig. 7 is a schematic structural diagram of a financial transaction apparatus according to a seventh embodiment of the present invention;

fig. 8 is a schematic structural diagram of a financial transaction apparatus according to an eighth embodiment of the present invention;

fig. 9 is a schematic structural diagram of a terminal according to a ninth embodiment of the present invention;

fig. 10 is a schematic structural diagram of a self-service financial device according to a tenth embodiment of the present invention.

Detailed Description

The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some but not all of the relevant aspects of the present invention are shown in the drawings.

Before discussing exemplary embodiments in more detail, it should be noted that some exemplary embodiments are described as processes or methods depicted as flowcharts. Although a flowchart may describe the operations (or steps) as a sequential process, many of the operations can be performed in parallel, concurrently or simultaneously. In addition, the order of the operations may be re-arranged. The process may be terminated when its operations are completed, but may have additional steps not included in the figure. The processes may correspond to methods, functions, procedures, subroutines, and the like.

Example one

Fig. 1 is a flowchart of a financial transaction method according to an embodiment of the present invention, which may be applied to a case where a trusted party is trusted to transact a financial transaction service, and the method may be performed by a device for a trusted party to perform a financial transaction, which may be implemented by software and/or hardware, and may be generally integrated in a computer device. The method of the embodiment specifically comprises the following steps:

step 110, the entrusting party terminal generates an authorization two-dimensional code according to financial transaction authorization information which is provided by the entrusting party and matched with a set financial account, and sends the authorization two-dimensional code to the entrusted party terminal, wherein the financial transaction authorization information comprises: transaction content information.

The financial transaction authorization information is authorization information provided by the truer to the trusted party for processing the financial transaction. The transaction content information is at least transaction type and transaction amount, the transaction type can be deposit transaction, withdrawal transaction, transfer transaction and the like, and the transaction amount is deposit amount, withdrawal amount, transfer amount and the like corresponding to the transaction type. The financial account number may be a bank card account number or an electronic account number of the principal.

And step 120, the entrusting party terminal receives transaction authorization verification information which is sent by self-service financial equipment and used for requesting a financial transaction operation password of the financial account, wherein the transaction authorization verification information is generated after the self-service financial equipment scans the authorization two-dimensional code provided by the entrusted party terminal.

The terminal of the entrusting party interacts with the self-service financial equipment, and therefore the financial transaction operation password of the financial account of the entrusting party is prevented from being leaked.

And step 130, the entrusting party terminal generates a transaction authorization confirmation response according to the financial transaction operation password of the financial account number input by the entrusting party aiming at the transaction authorization verification information.

The financial transaction operation password of the financial account number may be a password request replied or input on the verification information after the transaction authorization verification information received by the entrusting party is passed. For example, the entrusting party receives a short message of transaction authorization verification information, namely 'please reply a payment password', and the entrusting party needs to manually reply the short message with the payment password to the self-service financial equipment terminal, or the entrusting party receives a password payment interface of the transaction authorization verification information, and the entrusting party only needs to input the password on the interface, click the confirmation and then directly generate a transaction authorization confirmation response.

And 140, the entrusting party terminal feeds back the transaction authorization confirmation response to the self-service financial equipment so that the self-service financial equipment completes the financial transaction matched with the transaction content information.

After the transaction authorization confirmation response is sent to the self-service financial equipment by the entrusting party terminal, the self-service financial equipment directly completes financial transactions such as cash dispensing, cash receiving or account transferring. It can be understood that, in order to further ensure the security of the financial transaction, the trusted party may also be verified before the self-service financial device issues the money, receives the money, or transfers the money, or the self-service financial device may perform face recognition, fingerprint recognition or request the trusted party to input the identity number, so as to ensure that the associated information of the trusted party in the trusted party and the authorization two-dimensional code matches.

According to financial transaction authorization information matched with a set financial account number and provided by an entrusting party, an authorization two-dimensional code is generated and sent to an entrusted party terminal; the entrusting party terminal receives transaction authorization verification information which is sent by self-service financial equipment and requests for a financial transaction operation password of the financial account; the entrusting party terminal generates a transaction authorization confirmation response according to the financial transaction operation password of the financial account number input by the entrusting party aiming at the transaction authorization verification information; and the entrusting party terminal feeds back the transaction authorization confirmation response to the self-service financial equipment so that the self-service financial equipment completes the financial transaction matched with the transaction content information. The embodiment of the invention realizes that other people can be safely and conveniently commissioned to handle financial transaction services.

Further, the financial transaction authorization information further includes: the trusted party associates information.

The related information of the authorized party may be a communication account of the authorized party, such as WeChat, short message, QQ, etc., an identity card number, driver book information, etc., of the authorized party, or fingerprint information, face information, etc., of the authorized party.

Further, the trusted party association information includes: biometric information of the trusted party, and/or identification card information of the trusted party.

It is understood that the related information of the authorized party is the biometric information of the authorized party, such as fingerprint information, face information, etc., wherein the face information is a face picture of the authorized party taken by the terminal of the authorized party, or a face picture or a picture on an identity document sent by the authorized party received by the terminal of the authorized party. The entrusted related information may be identification card information of the entrusted meal, and the identification card information includes personal information of the entrusted party on documents such as an identification card, a driving book, a passport and the like. The trusted party associated information may also be trusted party biometric information and/or identity card information of said trusted party.

Further, the financial transaction authorization information further includes: the communication account number of the entrusting party terminal; correspondingly, the self-service financial equipment terminal performs information interaction with the entrusting party terminal through the communication account of the entrusting party terminal.

It can be understood that the communication account of the entrusting party terminal includes a telephone number, a WeChat account, a QQ account and the like, and the interaction between the self-service financial equipment terminal and the entrusting party terminal can be realized by the modes of sending a short message, WeChat, QQ and the like of the entrusting party terminal. For example, the self-service financial device scans the authorization two-dimensional code of the trusted party terminal, sends a short message of transaction authorization verification to the entrusting party terminal, the entrusting party terminal replies a confirmation short message of the self-service financial device, the self-service financial device makes a corresponding response according to the received confirmation short message, and therefore the self-service financial device and the entrusting party terminal realize interaction in the form of short messages, and the financial transaction authorization information of the entrusting party also necessarily contains the telephone number of the entrusting party.

Example two

Fig. 2 is a financial transaction method according to a second embodiment of the present invention, which is further optimized based on the second embodiment, and includes the following specific steps:

step 210, the entrusting party terminal generates an authorization two-dimensional code according to financial transaction authorization information which is provided by the entrusting party and matched with a set financial account, and sends the authorization two-dimensional code to the entrusted party terminal, wherein the financial transaction authorization information comprises: transaction content information.

Step 220, the entrusting party terminal receives transaction authorization verification information which is sent by self-service financial equipment and used for requesting a financial transaction operation password of the financial account, wherein the transaction authorization verification information is generated after the self-service financial equipment scans the authorization two-dimensional code provided by the entrusted party terminal.

Step 230, the entrusting party terminal receives transaction change verification information sent by the self-service financial device, where the transaction change verification information includes: transaction content alteration information.

The transaction content change information includes at least a transaction amount. The transaction change can be that when the self-service financial equipment displays whether to confirm the transaction amount for the consignor, the consignor clicks no, the self-service financial equipment sends a transaction change verification message to the consignor terminal; when the entrusting party terminal receives the transaction authorization verification information sent by the self-service financial device, for example, the transaction authorization verification information includes functional options such as "confirm", "no" and "change amount", at this time, the entrusting party terminal replies a change amount request to the self-service financial device, and the self-service financial device generates the transaction change verification information to the entrusting party terminal.

Optionally, before the entrusting party terminal obtains the transaction change verification information sent by the self-service financial device, the method further includes: and the entrusting party terminal sends a transaction change request to the self-service financial equipment so that the self-service financial equipment generates transaction change verification information matched with the transaction change request and sends the transaction change verification information to the entrusting party terminal.

And 240, the entrusting party terminal sends transaction change confirmation information to the self-service financial equipment according to the confirmation of the entrusting party on the transaction change verification information.

And 250, the entrusting party terminal receives transaction change secondary verification information of the financial transaction operation password of the financial account number fed back by the self-service financial equipment, wherein the transaction change secondary verification information is generated after the self-service financial equipment receives the transaction change confirmation information.

And step 260, the entrusting party terminal generates a transaction change secondary confirmation response according to the financial transaction operation password of the financial account number input by the entrusting party aiming at the transaction change secondary verification information.

And 270, the entrusting party terminal sends the transaction change secondary confirmation response to the self-service financial equipment so that the self-service financial equipment completes the financial transaction matched with the transaction content change information.

The interaction between the entrusting party terminal and the self-service financial device caused by transaction change is the same as the interaction method when the financial transaction is not changed in the embodiment, and details are not repeated here.

The embodiment of the invention receives the transaction change verification information sent by the self-service financial equipment and confirms and feeds back the transaction change verification information through the entrusting party terminal when the financial transaction is changed, and then receives the transaction change secondary verification information which is sent by the self-service financial equipment and requests the financial transaction operation password and confirms and feeds back the transaction change secondary verification information, thereby prompting the self-service financial equipment to finish the transaction change, and realizing safe and convenient transaction of the financial transaction change business under the condition of not revealing the entrusting party financial transaction operation password.

EXAMPLE III

Fig. 3 is a flowchart of a financial transaction method according to a third embodiment of the present invention, which is further optimized based on the third embodiment, and includes the following specific steps:

step 310, the entrusting party terminal generates an authorization two-dimensional code according to financial transaction authorization information which is provided by the entrusting party and matched with a set financial account, and sends the authorization two-dimensional code to the entrusted party terminal, wherein the financial transaction authorization information comprises: transaction content information.

And 320, the entrusting party terminal receives transaction authorization verification information which is sent by self-service financial equipment and used for requesting a financial transaction operation password of the financial account, wherein the transaction authorization verification information is generated after the self-service financial equipment scans the authorization two-dimensional code provided by the entrusted party terminal.

And step 330, the terminal of the entrusting party provides the transaction authorization verification information for the entrusting party, and sends an identity verification request to the self-service financial equipment according to the transaction security verification request of the entrusting party.

The identity authentication request is that the terminal of the entrusting party requests the self-service financial equipment to identify the identity information of the entrusted party. The self-service financial equipment can switch the current interface to an identity information verification interface including a face recognition interface, a fingerprint recognition interface or an identity card recognition interface and the like when receiving a request of an entrusting party, and at the moment, the entrusted party needs to make corresponding operation according to the indication of the current interface.

Step 340, the terminal of the entrusting party provides the authentication result fed back by the self-service financial equipment to the entrusting party; and the identity authentication result is generated after the self-service financial equipment authenticates the identity of the authorized party terminal holder according to the received identity authentication request.

It can be understood that the result of the identity verification may be the trusted party identity information, such as face information and identity card information, which is fed back to the entrusting party terminal by the self-service financial device, and the entrusting party confirms whether the trusted party information is correct; or the self-service financial equipment autonomously matches the identity information of the authorized party with the authorized two-dimensional code information, confirms whether the identity information is correct or not, and feeds back the matched result to the terminal of the authorized party, if yes or no; or after the entrusting party terminal requests the self-service financial equipment to verify the identity information of the entrusted party, the self-service financial equipment matches the identity information of the entrusted party with the authorization two-dimensional code information and feeds the result back to the entrusting party terminal.

And 350, the entrusting party terminal generates a transaction authorization confirmation response according to the financial transaction operation password of the financial account number input by the entrusting party aiming at the identity verification result.

And step 360, the entrusting party terminal feeds back the transaction authorization confirmation response to the self-service financial equipment so that the self-service financial equipment completes the financial transaction matched with the transaction content information.

When the entrusting party terminal receives the result of the identity authentication information, the entrusting party terminal feeds back the financial transaction operation password request of the self-service financial equipment according to the result, so that the financial transaction is completed.

It can be understood that, the entrusting party terminal receives transaction authorization verification information of a financial transaction operation password of a requested financial account sent by the self-service financial device, and if the transaction changes, for example, the amount of money to be withdrawn is increased, after the entrusting party terminal and the self-service financial device complete confirmation of transaction change information interaction and transaction secondary change information interaction, a process of information interaction between the self-service financial device and the entrusted party may be executed, that is, a process of the self-service financial device requesting identity verification by the entrusted meal terminal or autonomously requesting identity verification in this embodiment.

According to the embodiment of the invention, when the entrusting party terminal receives the transaction authorization verification information which is sent by the self-service financial equipment and requests the financial transaction operation password, the identity information of the entrusted party needs to be further confirmed, so that the entrusting party requests the self-service financial equipment to identify the identity information of the entrusted party, and the entrusting party can safely realize the business of transacting the financial transaction instead of the entrusted party.

Example four

Fig. 4 is a flowchart of a financial transaction method according to a fourth embodiment of the present invention, where the present embodiment is applicable to a case where a person is entrusted to transact a financial transaction service, and the method may be performed by a device for financial transaction of a self-service financial device, and the device may be implemented by software and/or hardware, and may be generally integrated in a computer device. The method of the embodiment specifically comprises the following steps:

step 410, the self-service financial device scans an authorized two-dimensional code provided by an authorized party terminal, and obtains financial transaction authorization information corresponding to the authorized two-dimensional code and matched with a set financial account, wherein the financial transaction authorization information comprises: transaction content information.

Wherein the financial transaction authorization information further comprises: trusted party association information;

the trusted party association information includes: biometric information of the trusted party, and/or identification card information of the trusted party.

And step 420, the self-service financial equipment generates transaction authorization verification information of the financial transaction operation password of the financial account according to the financial transaction authorization information.

And step 430, the self-service financial equipment provides the transaction authorization verification information to the entrusting party terminal.

And step 440, the self-service financial equipment completes the financial transaction matched with the transaction content information according to the received transaction authorization confirmation response fed back by the entrusting party terminal, wherein the transaction authorization confirmation response is generated by the entrusting party terminal according to the financial transaction operation password of the financial account number input by the entrusting party for the transaction authorization verification information.

In the embodiment of the invention, an authorized two-dimensional code provided by an authorized party terminal is scanned by self-service financial equipment, and financial transaction authorization information corresponding to the authorized two-dimensional code and matched with a set financial account number is acquired; and the self-service financial equipment generates transaction authorization verification information of a financial transaction operation password of the financial account according to the financial transaction authorization information. The self-service financial equipment provides the transaction authorization verification information to the entrusting party terminal; and the self-service financial equipment completes the financial transaction matched with the transaction content information according to the received transaction authorization confirmation response fed back by the entrusting party terminal. The embodiment realizes safe and convenient committing of other people to transact financial transaction business.

EXAMPLE five

Fig. 5 is a flowchart of a financial transaction method according to a fifth embodiment of the present invention, which is further optimized based on the foregoing embodiments, and includes the following specific steps:

step 510, the self-service financial device scans an authorized two-dimensional code provided by an authorized party terminal, and obtains financial transaction authorization information corresponding to the authorized two-dimensional code and matched with a set financial account, wherein the financial transaction authorization information includes: transaction content information.

And step 520, the self-service financial equipment generates transaction authorization verification information of the financial transaction operation password of the financial account according to the financial transaction authorization information.

Step 530, the self-service financial device provides the transaction authorization verification information to the entrusting party terminal.

And 540, when receiving the transaction authorization confirmation response fed back by the entrusting party terminal, the self-service financial equipment acquires the identity authentication information of the holder of the entrusted party terminal.

And step 550, if the self-service financial device determines that the acquired authentication information is matched with the associated information of the authorized party in the financial transaction authorization information, finishing the financial transaction matched with the transaction content information.

According to the embodiment of the invention, when the self-service financial equipment receives the transaction authorization confirmation response fed back by the entrusting party terminal, the identity authentication information of the owner of the entrusted party terminal is obtained and is matched with the entrusted party associated information in the financial transaction authorization information, so that the financial transaction process is safer.

EXAMPLE six

Fig. 6 is a flowchart of a financial transaction method according to a sixth embodiment of the present invention, which is further optimized based on the foregoing embodiments, and includes the following specific steps:

step 610, the self-service financial device scans an authorized two-dimensional code provided by an authorized party terminal, and obtains financial transaction authorization information corresponding to the authorized two-dimensional code and matched with a set financial account, wherein the financial transaction authorization information comprises: transaction content information.

And step 620, the self-service financial equipment generates transaction authorization verification information of the financial transaction operation password of the financial account according to the financial transaction authorization information.

Step 630, the self-service financial device provides the transaction authorization verification information to the entrusting party terminal.

Step 640, sending, by the self-service financial device, transaction change verification information to the entrusting party terminal, where the transaction change verification information includes: transaction content alteration information.

Specifically, the transaction change verification information sent by the self-service financial device to the entrusting party terminal specifically includes:

and the self-service financial equipment sends the transaction change verification information to the entrusting party terminal according to the transaction change request sent by the entrusting party terminal.

And 650, the self-service financial equipment generates transaction change secondary verification information of a financial transaction operation password of the financial account to be requested according to the transaction change confirmation information sent by the entrusting party terminal, and sends the transaction change secondary verification information to the entrusting party terminal, wherein the transaction change confirmation information is generated by the entrusting party terminal according to the confirmation of the entrusting party on the transaction change verification information.

And 660, the self-service financial equipment completes financial transactions matched with the transaction content change information according to a transaction change secondary confirmation response fed back by the entrusting party terminal, wherein the transaction change secondary confirmation response is generated by the entrusting party terminal according to the financial transaction operation password of the financial account number input by the entrusting party for the transaction change secondary verification information.

It can be understood that, the completing, by the self-service financial device, the financial transaction matched with the transaction content change information according to the transaction change secondary confirmation response fed back by the entrusting party terminal includes:

when the self-service financial equipment receives a transaction change secondary confirmation response fed back by the entrusting party terminal, acquiring identity verification information of an entrusted party terminal holder;

and if the self-service financial equipment determines that the acquired authentication information is matched with the associated information of the authorized party in the financial transaction authorization information, the financial transaction matched with the transaction content change information is completed.

In the embodiment of the invention, when the financial transaction is changed, the self-service financial equipment needs to perform information interaction of transaction change confirmation and transaction change secondary confirmation with the entrusting party terminal, and when the self-service financial equipment receives the transaction change secondary confirmation response of the entrusting party terminal, the self-service financial equipment needs to acquire the identity information of the entrusted party terminal holder and match the identity information with the associated information of the entrusted party in the financial transaction authorization information, so that safer financial transaction when the transaction is changed is realized.

EXAMPLE seven

Fig. 7 is a schematic structural diagram of a financial transaction apparatus according to an embodiment of the present invention, which is applied to a terminal of an entrusting party, as shown in fig. 7, the apparatus includes: an authorized two-dimensional code generating module 710, a transaction authorization verification information receiving module 720, a transaction authorization confirmation response generating module 730 and a transaction completing module 740, specifically:

the authorized two-dimensional code generating module 710 is configured to generate an authorized two-dimensional code according to financial transaction authorization information provided by an entrusting party and matched with a set financial account, and send the authorized two-dimensional code to an entrusted party terminal, where the financial transaction authorization information includes: transaction content information;

a transaction authorization verification information receiving module 720, configured to receive transaction authorization verification information, which is sent by a self-service financial device and requests a financial transaction operation password of the financial account, where the transaction authorization verification information is generated after the self-service financial device scans the authorization two-dimensional code provided by the trusted party terminal;

a transaction authorization confirmation response generation module 730, configured to generate a transaction authorization confirmation response according to the financial transaction operation password of the financial account input by the entrusting party for the transaction authorization verification information;

a transaction completion module 740, configured to feed back the transaction authorization confirmation response to the self-service financial device, so that the self-service financial device completes the financial transaction matching the transaction content information.

According to the financial transaction authorization information matched with the set financial account number and provided by the entrusting party, the authorization two-dimensional code is generated and sent to the entrusted party terminal; the entrusting party terminal receives transaction authorization verification information which is sent by self-service financial equipment and requests for a financial transaction operation password of the financial account; the entrusting party terminal generates a transaction authorization confirmation response according to the financial transaction operation password of the financial account number input by the entrusting party aiming at the transaction authorization verification information; and the entrusting party terminal feeds back the transaction authorization confirmation response to the self-service financial equipment so that the self-service financial equipment completes the financial transaction matched with the transaction content information. The embodiment of the invention realizes that other people can be safely and conveniently commissioned to handle financial transaction services.

Further, the apparatus further comprises:

the transaction change verification information receiving module is configured to receive transaction change verification information sent by a self-service financial device after receiving transaction authorization verification information sent by the self-service financial device and matching with the financial transaction authorization information, where the transaction change verification information includes: transaction content change information;

the transaction change confirmation message sending module is used for sending transaction change confirmation information to the self-service financial equipment according to the confirmation of the entrusting party on the transaction change verification information;

the transaction change secondary verification information receiving module is used for receiving transaction change secondary verification information which is fed back by the self-service financial equipment and requests for a financial transaction operation password of the financial account, wherein the transaction change secondary verification information is generated by the self-service financial equipment after receiving the transaction change confirmation information;

the transaction change secondary confirmation response generation module is used for generating a transaction change secondary confirmation response according to the financial transaction operation password of the financial account number input by the consignor aiming at the transaction change secondary verification information;

and the transaction change completion module is used for sending the transaction change secondary confirmation response to the self-service financial equipment so as to enable the self-service financial equipment to complete the financial transaction matched with the transaction content change information.

Further, the apparatus further comprises:

and the transaction change request module is used for sending a transaction change request to the self-service financial equipment by the entrusting party terminal before acquiring the transaction change verification information sent by the self-service financial equipment so that the self-service financial equipment generates transaction change verification information matched with the transaction change request and sends the transaction change verification information to the entrusting party terminal.

Further, the financial transaction authorization information further includes: trusted party association information;

Further, the transaction change completion module comprises:

the identity authentication request sending submodule is used for providing the transaction authorization authentication information for the entrusting party and sending an identity authentication request to the self-service financial equipment according to the transaction security authentication request of the entrusting party;

the identity verification result receiving submodule is used for providing the identity verification result fed back by the self-service financial equipment to the entrusting party; the identity authentication result is generated after the self-service financial equipment authenticates the identity of the authorized party terminal holder according to the received identity authentication request;

and the transaction authorization confirmation response generation sub-module is used for generating a transaction authorization confirmation response according to the financial transaction operation password of the financial account number input by the entrusting party aiming at the identity verification result.

Further, the financial transaction authorization information further includes: the communication account number of the entrusting party terminal;

correspondingly, the self-service financial equipment terminal performs information interaction with the entrusting party terminal through the communication account of the entrusting party terminal.

The financial transaction device provided by the embodiment of the invention is applied to a terminal of an entrusting party, can execute the financial transaction method provided by any embodiment of the invention, and has corresponding functional modules and beneficial effects of the execution method.

Example eight

Fig. 8 is a schematic structural diagram of a financial transaction apparatus according to an eighth embodiment of the present invention, which is applied to a self-service financial device, as shown in fig. 8, the apparatus includes: a financial transaction authorization information acquisition module 810, a transaction authorization verification information generation module 820, a transaction authorization verification information providing module 830 and a transaction completion module 840, specifically:

a financial transaction authorization information obtaining module 810, configured to scan an authorized two-dimensional code provided by an authorized party terminal, and obtain financial transaction authorization information corresponding to the authorized two-dimensional code and matching a set financial account, where the financial transaction authorization information includes: transaction content information;

a transaction authorization verification information generation module 820, configured to generate transaction authorization verification information requesting a financial transaction operation password of the financial account according to the financial transaction authorization information;

a transaction authorization verification information providing module 830, configured to provide the transaction authorization verification information to the entrusting party terminal;

the transaction completion module 840 is configured to complete the financial transaction matched with the transaction content information according to a received transaction authorization confirmation response fed back by the entrusting party terminal, where the transaction authorization confirmation response is generated by the entrusting party terminal according to a financial transaction operation password of the financial account input by the entrusting party for the transaction authorization verification information.

Further, the apparatus further comprises:

the transaction change verification information sending module is configured to send, by the self-service financial device, transaction change verification information to the entrusting party terminal after the transaction authorization verification information is provided to the entrusting party terminal, where the transaction change verification information includes: transaction content change information;

the transaction change secondary verification information generation module is used for generating transaction change secondary verification information of a financial transaction operation password of the financial account to be requested according to transaction change confirmation information sent by the entrusting party terminal and sending the transaction change secondary verification information to the entrusting party terminal, wherein the transaction change confirmation information is generated by the entrusting party terminal according to confirmation of the entrusting party on the transaction change verification information;

and the transaction change completion module is used for completing the financial transaction matched with the transaction content change information according to a transaction change secondary confirmation response fed back by the entrusting party terminal, wherein the transaction change secondary confirmation response is generated by the entrusting party terminal according to a financial transaction operation password of the financial account input by the entrusting party for the transaction change secondary verification information.

Further, the apparatus further comprises:

the transaction change verification information sending module specifically comprises:

and the transaction change verification information sending submodule is used for sending the transaction change verification information to the entrusting party terminal according to the transaction change request sent by the entrusting party terminal.

Further, the transaction completion module includes:

the first identity authentication submodule is used for acquiring the identity authentication information of the holder of the authorized party terminal when receiving the transaction authorization confirmation response fed back by the authorization party terminal;

and the first matching sub-module is used for finishing the financial transaction matched with the transaction content information if the acquired authentication information is matched with the associated information of the authorized party in the financial transaction authorization information.

Further, the transaction change completion module comprises:

the first identity verification submodule is used for acquiring the identity verification information of the holder of the authorized party terminal when receiving the transaction change secondary confirmation response fed back by the authorization party terminal;

and the second matching submodule is used for finishing the financial transaction matched with the transaction content change information if the obtained authentication information is matched with the associated information of the authorized party in the financial transaction authorization information.

The financial transaction device provided by the embodiment of the invention is applied to self-service financial equipment, can execute the financial transaction method provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of the execution method.

Example nine

Fig. 9 is a schematic structural diagram of a terminal according to embodiment 9 of the present invention, as shown in fig. 9, the terminal includes a processor 90, a memory 91, an input device 92, and an output device 93; the number of the processors 90 in the terminal may be one or more, and one processor 90 is taken as an example in fig. 9; the processor 90, the memory 91, the input device 92 and the output device 93 in the terminal may be connected by a bus or other means, and the connection by the bus is exemplified in fig. 9.

The memory 91 serves as a computer-readable storage medium for storing software programs, computer-executable programs, and modules, such as program instructions/modules corresponding to the financial transaction method in the embodiment of the present invention (for example, the authorization two-dimensional code generation module 710, the transaction authorization verification information reception module 720, the transaction authorization confirmation response generation module 730, and the transaction completion module 740 applied to the financial transaction device of the entrusting party terminal). The processor 90 executes various functional applications of the terminal and data processing by executing software programs, instructions and modules stored in the memory 91, that is, implements the above-described financial transaction method.

The memory 91 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the terminal, and the like. Further, the memory 91 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, the memory 91 may further include memory located remotely from the processor 90, which may be connected to the terminal over a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The input device 92 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the terminal. The output device 93 may include a display device such as a display screen.

Example ten

Fig. 10 is a schematic structural diagram of a self-service financial device according to a tenth embodiment of the present invention, and as shown in fig. 10, the self-service financial device includes a processor 100, a memory 101, an input device 102, and an output device 103; the number of the processors 100 in the self-service financial device may be one or more, and one processor 100 is taken as an example in fig. 10; the processor 100, memory 101, input device 102, and output device 103 in the self-service financial device may be connected by a bus or other means, and the bus connection is exemplified in fig. 10.

The memory 101, as a computer-readable storage medium, may be used for storing software programs, computer-executable programs, and modules, such as program instructions/modules corresponding to the financial transaction method in the embodiment of the present invention (e.g., the financial transaction authorization information acquisition module 810, the transaction authorization verification information generation module 820, the transaction authorization verification information providing module 830, and the transaction completion module 840 applied to the self-service financial device financial transaction apparatus). The processor 100 executes various functional applications and data processing of the self-service financial device by executing software programs, instructions and modules stored in the memory 101, so as to implement the financial transaction method.

The memory 101 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created according to use of the self-service financial device, and the like. Further, the memory 101 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, memory 101 may further include memory located remotely from processor 100, which may be connected to the self-service financial device over a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The input device 102 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function controls of the trusted party self-service financial device. The output device 103 may include a display device such as a display screen.

EXAMPLE eleven

Embodiments eleventh of the present invention also provide a terminal-readable storage medium having stored thereon a computer program that, when executed by a processor, implements a financial transaction method according to any of the embodiments of the present invention.

From the above description of the embodiments, it is obvious for those skilled in the art that the present invention can be implemented by software and necessary general hardware, and certainly, can also be implemented by hardware, but the former is a better embodiment in many cases. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a FLASH Memory (FLASH), a hard disk or an optical disk of a computer, and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device) to execute the methods according to the embodiments of the present invention.

It should be noted that, in the above-mentioned embodiment applied to the financial transaction apparatus of the entrusting party terminal, the included units and modules are merely divided according to the functional logic, but are not limited to the above-mentioned division as long as the corresponding functions can be realized; in addition, specific names of the functional units are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present invention.

Example twelve

Embodiments eleventh of the present invention further provide a readable storage medium of a self-service financial device, on which a computer program is stored, which when executed by a processor implements a financial transaction method provided by any of the embodiments of the present invention.

It should be noted that, in the above-mentioned embodiment of the financial transaction apparatus applied to the self-service financial device, the included units and modules are merely divided according to the functional logic, but are not limited to the above-mentioned division as long as the corresponding functions can be realized; in addition, specific names of the functional units are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present invention.

It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.

Claims

1. A method of financial transactions, comprising:

after the entrusting party terminal receives transaction authorization verification information which is sent by self-service financial equipment and matched with the financial transaction authorization information, the entrusting method further comprises the following steps:

the entrusting party terminal receives transaction change verification information sent by the self-service financial equipment, wherein the transaction change verification information comprises: transaction content change information;

the entrusting party terminal sends transaction change confirmation information to the self-service financial equipment according to the confirmation of the entrusting party on the transaction change verification information;

the entrusting party terminal receives transaction change secondary verification information, which is fed back by the self-service financial equipment and requests for a financial transaction operation password of the financial account, wherein the transaction change secondary verification information is generated after the self-service financial equipment receives the transaction change confirmation information;

the entrusting party terminal generates a transaction change secondary confirmation response according to the financial transaction operation password of the financial account number input by the entrusting party aiming at the transaction change secondary verification information;

the entrusting party terminal sends the transaction change secondary confirmation response to the self-service financial equipment so that the self-service financial equipment completes the financial transaction matched with the transaction content change information;

2. The method of claim 1, wherein before the entrusting party terminal obtains the transaction change verification information sent by the self-service financial device, the method further comprises:

and the entrusting party terminal sends a transaction change request to the self-service financial equipment so that the self-service financial equipment generates transaction change verification information matched with the transaction change request and sends the transaction change verification information to the entrusting party terminal.

3. The method of any of claims 1-2, wherein the financial transaction authorization information further comprises: trusted party association information;

4. The method of claim 3, wherein the entrusting party terminal generates a transaction authorization confirmation response according to the financial transaction operation password of the financial account number input by the entrusting party for the transaction authorization verification information, and comprises:

the entrusting party terminal provides the transaction authorization verification information for the entrusting party and sends an identity verification request to the self-service financial equipment according to a transaction security verification request of the entrusting party;

the entrusting party terminal provides the authentication result fed back by the self-service financial equipment to the entrusting party; the identity authentication result is generated after the self-service financial equipment authenticates the identity of the authorized party terminal holder according to the received identity authentication request;

and the entrusting party terminal generates a transaction authorization confirmation response according to the financial transaction operation password of the financial account number input by the entrusting party aiming at the identity verification result.

5. The method of claim 1, wherein the financial transaction authorization information further comprises: the communication account number of the entrusting party terminal;

6. A method of financial transactions, comprising:

after the self-service financial device provides the transaction authorization verification information to the entrusting party terminal, the method further comprises the following steps:

the self-service financial equipment sends transaction change verification information to the entrusting party terminal, wherein the transaction change verification information comprises: transaction content change information;

the self-service financial equipment generates transaction change secondary verification information of a financial transaction operation password of the financial account number according to the transaction change confirmation information sent by the entrusting party terminal and sends the transaction change secondary verification information to the entrusting party terminal, wherein the transaction change confirmation information is generated by the entrusting party terminal according to the confirmation of the entrusting party on the transaction change verification information;

the self-service financial equipment completes financial transactions matched with the transaction content change information according to a transaction change secondary confirmation response fed back by the entrusting party terminal, wherein the transaction change secondary confirmation response is generated by the entrusting party terminal according to a financial transaction operation password of the financial account number input by the entrusting party for the transaction change secondary verification information;

7. The method according to claim 6, wherein the transaction change verification information sent by the self-service financial device to the entrusting party terminal specifically includes:

8. The method of claim 6 or 7, wherein the financial transaction authorization information further comprises: trusted party association information;

9. The method of claim 8, wherein the self-service financial device completes the financial transaction matched with the transaction content information according to the received transaction authorization confirmation response fed back by the entrusting party terminal, and the method comprises the following steps:

when the self-service financial equipment receives a transaction authorization confirmation response fed back by the entrusting party terminal, acquiring identity verification information of an entrusted party terminal holder;

and if the self-service financial equipment determines that the acquired authentication information is matched with the associated information of the authorized party in the financial transaction authorization information, the financial transaction matched with the transaction content information is completed.

10. The method of claim 8, wherein the self-service financial device completes the financial transaction matched with the transaction content change information according to the transaction change secondary confirmation response fed back by the entrusting party terminal, and the method comprises the following steps:

11. A financial transaction apparatus applied to a client terminal, comprising:

the transaction completion module is used for feeding back the transaction authorization confirmation response to the self-service financial equipment so as to enable the self-service financial equipment to complete the financial transaction matched with the transaction content information;

the financial transaction apparatus further includes:

12. A financial transaction device is applied to self-service financial equipment, which is characterized by comprising:

the transaction completion module is used for completing financial transactions matched with the transaction content information according to received transaction authorization confirmation responses fed back by the entrusting party terminal, wherein the transaction authorization confirmation responses are generated by the entrusting party terminal according to financial transaction operation passwords of the financial account number input by the entrusting party for the transaction authorization verification information;

the financial transaction apparatus further includes:

13. A terminal comprising a memory, a processor and a computer program stored on the memory and operable on the processor, wherein the processor, when executing the program, carries out a method of financial transactions according to any one of claims 1 to 5.

14. A terminal-readable storage medium on which a computer program is stored, the program, when executed by a processor, implementing a financial transaction method as claimed in any one of claims 1 to 5.

15. A self-service financial device comprising a memory, a processor and a computer program stored on the memory and operable on the processor, wherein the processor when executing the program implements a financial transaction method as claimed in any one of claims 6 to 10.

16. A self-service financial device readable storage medium having stored thereon a computer program, wherein the program when executed by a processor implements a financial transaction method as claimed in any one of claims 6 to 10.