CN111784333A - System for bank counter can be portable pays user change - Google Patents
System for bank counter can be portable pays user change Download PDFInfo
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- CN111784333A CN111784333A CN202010630752.1A CN202010630752A CN111784333A CN 111784333 A CN111784333 A CN 111784333A CN 202010630752 A CN202010630752 A CN 202010630752A CN 111784333 A CN111784333 A CN 111784333A
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- 230000008859 change Effects 0.000 title claims abstract description 28
- 238000004364 calculation method Methods 0.000 claims abstract description 7
- 238000000034 method Methods 0.000 claims description 5
- 230000003993 interaction Effects 0.000 claims description 3
- 230000006855 networking Effects 0.000 claims description 3
- 230000008569 process Effects 0.000 claims description 3
- 230000001960 triggered effect Effects 0.000 claims description 3
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000010365 information processing Effects 0.000 description 1
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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
- G06Q20/30—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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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Abstract
The invention discloses a system for a bank counter to pay change to a user in a movable manner, which comprises a mobile intelligent terminal module, a server system module, a bank main card and a processing terminal; when the bank main card is sold, the account fund clearing device settles the residual fund of the bank main card, generates a security code, performs encryption calculation and generates a two-dimensional code; the generated two-dimensional code contains payment system module information, and a camera of the mobile intelligent terminal module is aligned to the two-dimensional code to scan to obtain a two-dimensional code information abstract; transferring preset change to the mobile intelligent terminal module; the invention can realize the payment of small amount of money by the code scanning function of the mobile phone of the user when the user transacts the seller business but no other bank card can be used for the payment of change during transferring money, solves the problem that the low cabinet can not realize the payment of cash change, and is safe, fast and convenient for the main server to settle the money.
Description
Technical Field
The invention belongs to the field of information processing, and particularly relates to a system for a bank counter to movably pay change to a user.
Background
The business such as debit card sales and loss reporting sales are transacted in a high cabinet or a low cabinet, and the user transacts sales business but does not have cards for paying change when transferring money. By developing a counter code scanning function, a bank small-amount fund payment scene is replaced, the problem that low cabinets cannot realize cash change payment is solved, and the application to super counters, self-service equipment and online channels can be further expanded in the future; in order to promote the transformation of network points, reduce the workload of a high cabinet, solve the problem of small-amount zero cash payment, further release the productivity of the cabinet surface, adopt a code scanning mode to adapt to the operation habit of a user and develop and realize the code scanning payment function of small-amount tail zero money to an online wallet.
Disclosure of Invention
In order to solve the technical problem, the bank counter movable payment system which is quick and effective, increases the work efficiency and improves the card selling speed and can pay the change to the user is provided.
The technical scheme of the invention is as follows: a bank counter movable payment system for user change comprises a mobile intelligent terminal module, a server system module, a bank main card and a processing terminal; the processing terminal reads the magnetic track information of the bank main card inserted into the card reading interface through the card reading interface and transmits the read magnetic track information to the server system module; the bank main card is provided with information including a card number, user data and account opening bank data; the server system module and the processing terminal realize data interaction in a networking mode; the mobile intelligent terminal module comprises a camera, the server system module comprises a payment system module, a storage device and an account fund clearing device, the storage device can eliminate magnetic track information of the bank card, the server system module also comprises the account fund clearing device, the account fund clearing device processes request information from the processing terminal, and clearing results with the bank main card as a carrier are recorded in the account information; when the bank main card is sold, the account fund clearing device settles the residual fund of the bank main card, generates a security code, performs encryption calculation and generates a two-dimensional code; the generated two-dimensional code contains payment system module information, and a camera of the mobile intelligent terminal module is aligned to the two-dimensional code to scan to obtain a two-dimensional code information abstract; and transferring preset change to the mobile intelligent terminal module.
The system comprises a main server system module, an account fund clearing device and a payment module, wherein when a bank main card is sold, the bank main card is settled, the account fund clearing device is connected with a payment interface in the main server system module, applies a two-dimensional code scanning payment function, and uses code scanning payment as a payment mode of online transfer for paying change to a user at a network point; after the transaction of the account sales and the card sales is completed, the payment interface is triggered to automatically generate a two-dimensional code according to the total amount of the transaction result and the information of the transaction result of the main server system module, namely, a payment order is automatically generated, and after the user scans the code through the mobile intelligent terminal module and confirms, the main server system module checks the payment state of the order to complete the payment.
Specifically, if the amount of money exceeds 100 yuan, the server system module automatically reports an error and the transaction is terminated.
Specifically, the two-dimensional code is generated by encrypting and calculating the random seed, the bank card number and the security code by using an encryption algorithm to generate a predetermined information summary, and the predetermined information summary is converted into the two-dimensional code.
Specifically, the encryption algorithm adopts an encryption submodule to perform encryption calculation, and the predetermined information summary generated by the encryption submodule is converted into a two-dimensional code.
Compared with the prior art, the invention has the beneficial effects that: the user transacts the sales business but no other bank card can be used for paying change during transferring, the small amount of fund payment can be realized through the code scanning function of the mobile phone of the user, the problem that the low cabinet can not realize cash change payment is solved, and the payment is safely, quickly and conveniently settled by the main server.
Drawings
FIG. 1 is a flow chart of a transaction of a seller of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention are clearly and completely described below, and it is obvious that the described embodiments are only some embodiments of the present invention, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As shown in fig. 1, a system for a bank counter to pay change to a user removably comprises a mobile intelligent terminal module, a server system module, a bank main card and a processing terminal;
the processing terminal reads the magnetic track information of the bank main card inserted into the card reading interface through the card reading interface and transmits the read magnetic track information to the server system module;
the bank main card is provided with information including card number, user data and bank opening data;
the server system module and the processing terminal realize data interaction in a networking mode;
the mobile intelligent terminal module comprises a camera;
the server system module comprises a payment system module, a storage device and an account fund clearing device, wherein the storage device can eliminate magnetic track information of the bank card, and the server system module also comprises the account fund clearing device which processes request information from the processing terminal and records a clearing result taking the bank main card as a carrier in the account information;
when the bank main card is sold, the account fund clearing device settles the residual fund of the bank main card, generates a security code, performs encryption calculation and generates a two-dimensional code; the generated two-dimensional code contains payment system module information, and a camera of the mobile intelligent terminal module is aligned to the two-dimensional code to scan to obtain a two-dimensional code information abstract; and transferring preset change to the mobile intelligent terminal module.
Further, when the bank main card is sold, the remaining funds of the bank main card are settled, the account fund settlement device is connected with a payment interface in the main server system module, a two-dimensional code scanning payment function is applied, and the code scanning payment is used as a payment mode of online transfer and is used for paying change to the user by a network point; after the transaction of the account sales and the card sales is completed, the payment interface is triggered to automatically generate a two-dimensional code according to the total amount of the transaction result and the information of the transaction result of the main server system module, namely, a payment order is automatically generated, and after the user scans the code through the mobile intelligent terminal module and confirms, the main server system module checks the payment state of the order to complete the payment.
If the amount of money exceeds 100 yuan, the server system module automatically reports errors and terminates the transaction, and the transaction amount range is 0.3-100 yuan.
Generating the two-dimensional code by adopting an encryption algorithm to encrypt and calculate the random seed, the bank card number and the security code to generate a preset information abstract, and converting the preset information abstract into the two-dimensional code; and the encryption algorithm adopts an encryption submodule to carry out encryption calculation, and the preset information abstract generated by the encryption submodule is converted into a two-dimensional code.
The mobile intelligent terminal module is an intelligent mobile phone used by a user, a WeChat code scanning mode is adopted, the server system module depends on an enterprise payment function of a WeChat payment platform, when the user is willing to accept and select a WeChat money collection mode during transaction of debit card sales business, the system triggers a WeChat code scanning interface and related prompts, and the WeChat code scanning interface is not called if the function is not selected.
The method is characterized in that a WeChat payment open platform and an enterprise payment function are relied on, a WeChat payment interface of a main server system module is connected, a two-dimensional code scanning payment function is applied, and code scanning payment is used as a payment mode of online transfer and used for paying change to a user at a network point. After the transaction of the sales card of the seller is completed, according to the total amount of the transaction result and the information of the transaction of the main server system module, triggering a bank enterprise WeChat wallet to automatically generate a WeChat two-dimensional code, according to the protocol rule of 'WeChat Enterprise Payment', automatically generating a WeChat payment order, confirming that the amount of money to be collected is correct by a client, clicking to confirm collection, checking whether the information of the micro credit account of the payee is consistent with the information of the seller by the bank WeChat bank system, if so, transferring change to the mobile intelligent terminal module according to the information of the payment order, and if not, the transaction fails.
The method comprises the following specific operation steps:
step 1, a processing terminal reads magnetic track information of a card and transmits the magnetic track information data to a server system module; inputting/reading account number, password, certificate type and certificate number, and clicking 'submit sales'; if the sum exceeds 100 yuan, the system automatically reports an error and goes to step 7;
step 2, generating and printing a sales account billing voucher;
step 3, click "pay";
step 4, popping up the two-dimensional code on the equipment after submission, and prompting a user to open the mobile phone, open the WeChat, select scanning and scan the two-dimensional code;
step 5, transferring the user to a WeChat change purse of the client through the WeChat 'enterprise payment' function after the user successfully scans the code;
step 6, printing payment voucher and receipt;
and 7, ending.
The preferred embodiments of the invention disclosed above are intended to be illustrative only. The preferred embodiments are not intended to be exhaustive or to limit the invention to the precise embodiments disclosed. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the invention and the practical application, to thereby enable others skilled in the art to best utilize the invention.
Claims (5)
1. A system for mobile payment of change to a user by a bank counter is characterized in that: the system comprises a mobile intelligent terminal module, a server system module, a bank main card and a processing terminal; the processing terminal reads the magnetic track information of the bank main card inserted into the card reading interface through the card reading interface and transmits the read magnetic track information to the server system module; the bank main card is provided with information including a card number, user data and account opening bank data; the server system module and the processing terminal realize data interaction in a networking mode; the mobile intelligent terminal module comprises a camera, the server system module comprises a payment system module, a storage device and an account fund clearing device, the storage device can eliminate magnetic track information of the bank card, the server system module also comprises the account fund clearing device, the account fund clearing device processes request information from the processing terminal, and clearing results with the bank main card as a carrier are recorded in the account information; when the bank main card is sold, the account fund clearing device settles the residual fund of the bank main card, generates a security code, performs encryption calculation and generates a two-dimensional code; the generated two-dimensional code contains payment system module information, and a camera of the mobile intelligent terminal module is aligned to the two-dimensional code to scan to obtain a two-dimensional code information abstract; and transferring preset change to the mobile intelligent terminal module.
2. The system of claim 1, wherein the bank counter is configured to removably pay change to the user by: the system also comprises a main server system module, when the bank main card is sold, the remaining funds of the bank main card are settled, the account fund clearing device is butted with a payment interface in the main server system module, a two-dimensional code scanning payment function is applied, and the code scanning payment is used as a payment mode of online transfer and is used for paying change to a user at a branch point; after the transaction of the account sales and the card sales is completed, the payment interface is triggered to automatically generate a two-dimensional code according to the total amount of the transaction result and the information of the transaction result of the main server system module, namely, a payment order is automatically generated, and after the user scans the code through the mobile intelligent terminal module and confirms, the main server system module checks the payment state of the order to complete the payment.
3. The system of claim 1, wherein the bank counter is configured to removably pay change to the user by: and if the sum of the money exceeds 100 yuan, the server system module automatically reports an error and the transaction is terminated.
4. The system of claim 1, wherein the bank counter is configured to removably pay change to the user by: and generating the two-dimensional code by adopting an encryption algorithm to encrypt and calculate the random seed, the bank card number and the security code to generate a preset information abstract, and converting the preset information abstract into the two-dimensional code.
5. The system of claim 4, wherein the bank counter is capable of removably paying change to the user, the system comprising: and the encryption algorithm adopts an encryption submodule to perform encryption calculation, and the preset information abstract generated by the encryption submodule is converted into a two-dimensional code.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010630752.1A CN111784333A (en) | 2020-07-03 | 2020-07-03 | System for bank counter can be portable pays user change |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010630752.1A CN111784333A (en) | 2020-07-03 | 2020-07-03 | System for bank counter can be portable pays user change |
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| CN111784333A true CN111784333A (en) | 2020-10-16 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN202010630752.1A Pending CN111784333A (en) | 2020-07-03 | 2020-07-03 | System for bank counter can be portable pays user change |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112561677A (en) * | 2020-10-29 | 2021-03-26 | 中国农业银行股份有限公司福建省分行 | Method and device for realizing payment of change by cash self-service equipment |
| CN112669140A (en) * | 2020-12-24 | 2021-04-16 | 平安信托有限责任公司 | Financial account sales processing method and device, computer equipment and storage medium |
| CN113194419A (en) * | 2021-04-30 | 2021-07-30 | 中国银行股份有限公司 | User locking method and system based on 5G message and face recognition |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101719247A (en) * | 2009-11-30 | 2010-06-02 | 刘宜云 | System and method for payment based on non-contact handheld payment terminal |
| CN109034304A (en) * | 2018-07-21 | 2018-12-18 | 安徽心驰信息科技有限公司 | A kind of two dimensional code mobile-payment system |
-
2020
- 2020-07-03 CN CN202010630752.1A patent/CN111784333A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101719247A (en) * | 2009-11-30 | 2010-06-02 | 刘宜云 | System and method for payment based on non-contact handheld payment terminal |
| CN109034304A (en) * | 2018-07-21 | 2018-12-18 | 安徽心驰信息科技有限公司 | A kind of two dimensional code mobile-payment system |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112561677A (en) * | 2020-10-29 | 2021-03-26 | 中国农业银行股份有限公司福建省分行 | Method and device for realizing payment of change by cash self-service equipment |
| CN112669140A (en) * | 2020-12-24 | 2021-04-16 | 平安信托有限责任公司 | Financial account sales processing method and device, computer equipment and storage medium |
| CN113194419A (en) * | 2021-04-30 | 2021-07-30 | 中国银行股份有限公司 | User locking method and system based on 5G message and face recognition |
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