CN112001719A - Transaction control method, device, self-service banking machine and readable storage medium - Google Patents

Transaction control method, device, self-service banking machine and readable storage medium Download PDF

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Publication number
CN112001719A
CN112001719A CN202010833881.0A CN202010833881A CN112001719A CN 112001719 A CN112001719 A CN 112001719A CN 202010833881 A CN202010833881 A CN 202010833881A CN 112001719 A CN112001719 A CN 112001719A
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China
Prior art keywords
transaction
near field
field communication
state
card reader
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CN202010833881.0A
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Chinese (zh)
Inventor
徐小琳
吕绍洲
郭敏鸿
蔡跃进
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China Construction Bank Corp
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China Construction Bank Corp
CCB Finetech Co Ltd
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Priority to CN202010833881.0A priority Critical patent/CN112001719A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—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
    • 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
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The embodiment of the invention discloses a transaction control method, a transaction control device, a self-service banking machine and a readable storage medium. The transaction control method comprises the following steps: in response to the transaction initiation instruction, displaying the computer readable code and enabling the near field communication card reader function; detecting an order status and a status of the near field communication card reader, wherein the order status changes upon entry of a transaction element by scanning the computer readable code; and if the order state and the state of the near field communication card reader are changed, the transaction is carried out according to a transaction control mode corresponding to the changed state. The embodiment of the invention breaks through the barriers between different medium transactions by optimizing, integrating and scanning the computer readable code or using the near field communication carrier to carry out the transaction mode of the transaction.

Description

Transaction control method, device, self-service banking machine and readable storage medium
Technical Field
The embodiment of the invention relates to the technical field of computer finance, in particular to a transaction control method, a transaction control device, a self-service banking machine and a readable storage medium.
Background
With the continuous development of computer financial technology, transaction modes provided by an Automated Teller Machine (ATM) for users are continuously upgraded, and the ATM is not limited to a traditional bank card transaction mode, and also supports a mobile phone or a financial card with an NFC (Near Field Communication) function, and transaction modes such as scanning a two-dimensional code through the mobile phone.
At present, a self-service banking machine is not compatible with NFC and two-dimensional code transaction modes, and a user can only select one mode to carry out transaction in one transaction process, so that the transaction mode is rigid and poor in flexibility; if the user needs to adopt two transaction modes, one transaction mode needs to be quitted and the other transaction mode needs to be reselected, so that the transaction fluency is poor, and the user operation time is long.
Disclosure of Invention
Embodiments of the present invention provide a transaction control method and apparatus, a self-service banking machine, and a readable storage medium, which improve flexibility and fluency of a transaction flow, effectively simplify operation steps and a transaction selection flow, reduce operation time of a customer, and improve user experience by optimizing, integrating, scanning a computer readable code and using a near field communication carrier to perform a transaction mode of a transaction.
In a first aspect, an embodiment of the present invention provides a transaction control method, including:
in response to the transaction initiation instruction, displaying the computer readable code and enabling the near field communication card reader function;
detecting an order status and a status of the near field communication card reader, wherein the order status changes upon entry of a transaction element by scanning the computer readable code;
and if the order state or the state of the near field communication card reader is changed, carrying out transaction according to a transaction control mode corresponding to the changed state.
Optionally, before the responding to the transaction start instruction, displaying the computer readable code and turning on the near field communication card reader function, the method further includes:
responding to the triggering operation of a transaction starting key to generate a transaction starting instruction; alternatively, the first and second electrodes may be,
and generating a transaction starting instruction in response to the display operation of the transaction home page.
Optionally, the detecting the order status and the status of the near field communication card reader includes:
detecting the order state and the state of the near field communication card reader at the same time;
or polling the order state if the state of the near field communication card reader is not detected to be changed within a set time length.
Optionally, before the detecting the order status and the status of the near field communication card reader, the method further includes:
responding to a transaction starting instruction, and sending transaction identification information to an online transaction system so that the online transaction system generates an order number according to the transaction identification information;
receiving the order number returned by the online trading system;
the detecting the order state comprises:
and detecting the order state corresponding to the order number.
Optionally, if the order state changes, performing a transaction according to a transaction control mode corresponding to the changed state includes:
if the order state changes, receiving transaction elements which are sent by the online transaction system and pass the encryption, wherein the transaction elements are input into the online transaction system by scanning the computer readable codes and comprise transaction passwords and transaction details;
conducting a transaction based on the transaction details.
Optionally, if the order state changes, performing a transaction according to a transaction control mode corresponding to the changed state includes:
if the order state changes, receiving a transaction element sent by the online transaction system, wherein the transaction element is input into the online transaction system by scanning the computer readable code and comprises a transaction password and transaction details;
receiving a transaction password input by a user through a self-service bank machine;
sending the transaction password input by the self-service banking machine and the transaction password in the transaction elements to the online transaction system, and initiating a password verification request to the online transaction system so that the online transaction system returns a password verification passing message after passing the password verification;
and responding to the receipt of the password passing verification message sent by the online transaction system, and performing transaction based on the transaction detail.
Optionally, if the state of the near field communication card reader changes, performing a transaction according to a transaction control mode corresponding to the changed state, including:
if the state of the near field communication card reader is changed, reading account information of a near field communication carrier;
receiving a transaction password input by a user through a self-service bank machine;
sending the transaction password to the online transaction system, and initiating a password verification request to the online transaction system so that the online transaction system returns a password verification passing message after passing the password verification;
and responding to the received password verification passing message sent by the online transaction system, and performing transaction on the account corresponding to the account information.
Optionally, the transaction control method further includes:
and if the order state changes, closing the function of the near field communication card reader.
In a second aspect, an embodiment of the present invention further provides a transaction control apparatus, including:
the first control module is used for responding to a transaction starting instruction, displaying the computer readable code and starting the function of the near field communication card reader;
a state detection module for detecting an order state and a state of the near field communication card reader, wherein the order state changes upon receipt of a transaction element, the transaction element being input by scanning the computer readable code;
and the transaction module is used for carrying out transaction according to a transaction control mode corresponding to the changed state if the order state or the state of the near field communication card reader is changed.
In a third aspect, embodiments of the present invention also provide a self-service banking machine comprising:
one or more processors;
a memory for storing one or more programs;
when executed by the one or more processors, cause the one or more processors to implement a transaction control method according to any embodiment of the invention.
In a fourth aspect, embodiments of the present invention further provide a storage medium containing computer-executable instructions, which when executed by a computer processor implement a transaction control method according to any one of the embodiments of the present invention.
The embodiment of the invention detects the order state and the state of the near field communication card reader by responding to a transaction starting instruction to display the computer readable code and starting the function of the near field communication card reader, and when any state is changed, the transaction is carried out according to the transaction control mode corresponding to the changed state. The embodiment of the invention optimizes and integrates the transaction mode of scanning the computer readable code or using the near field communication carrier for transaction, breaks through the barriers between different medium transactions, improves the flexibility and the fluency of the transaction process, effectively simplifies the operation steps and the transaction selection process, reduces the operation time of a client and improves the user experience.
Drawings
FIG. 1 is a flow chart of a transaction control method according to one embodiment of the invention;
FIG. 2 is a flow chart of a transaction control method according to a second embodiment of the invention;
FIG. 3 is a flow chart of a transaction control method in a third embodiment of the invention;
fig. 4 is a flowchart of a transaction control method according to a fourth embodiment of the present invention;
fig. 5 is a flowchart of a transaction control method according to a fifth embodiment of the present invention;
fig. 6 is a flowchart of a transaction control method in a sixth embodiment of the invention;
fig. 7 is a schematic structural diagram of a transaction control device according to a seventh embodiment of the present invention;
figure 8 is a diagrammatic illustration of a construction of an eighth embodiment of the present invention for a self-service banking machine.
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 of the structures related to the present invention are shown in the drawings, not all of the structures.
Example one
The embodiment of the invention provides a transaction control method, which is applicable to the condition that a user carries out transaction through an automatic banking machine, can be executed by a transaction control device, can be realized in a software and/or hardware mode, and can be configured in the automatic banking machine.
As shown in fig. 1, the method specifically includes:
and S110, responding to the transaction starting instruction, displaying the computer readable code and starting the function of the near field communication card reader.
Wherein the transaction start instruction indicates that a transaction is to be conducted, and the generation is triggered at the start of the transaction. Optionally, the self-service banking machine responds to the transaction start instruction, generates and displays a computer readable code according to the transaction identifier, and sends the transaction identifier to the online transaction system. The on-line transaction system is a computer system which is formed by connecting a central computer with a large number of terminals with scattered geographic positions and is used for processing single transactions which refer to bank working days and non-working days, and transactions which are initiated by self-service equipment and accessed by various channels and need to be responded to in time. Here the transaction identity includes the identity of the device of the self-service banking machine itself and the time at which the transaction initiation instruction was generated. The computer readable code may be a two-dimensional code or a bar code or other computer recognizable code. The self-service banking machine displays computer readable code on a screen for scanning by a user holding a user terminal, where the user terminal may be a smart device such as a cell phone or a tablet computer having a code scanning function.
And the ATM responds to the transaction starting instruction and starts the function of the near field communication card reader, namely starting the near field communication card reader (hereinafter referred to as the card reader). During the period when the function of the near field communication card reader is started, the card reader can read the information of the near field communication carrier placed on the sensing area of the card reader. Optionally, after the function of the near field communication card reader is started, the self-service banking machine may control a light emitting diode built in the card reader to flash to remind a user that the function of the near field communication card reader is started.
S120, detecting the order state and the state of the near field communication card reader, wherein the order state is changed after the transaction elements are input through scanning the computer readable code.
The user scans the computer readable code displayed on the self-service banking machine through the application software of the bound financial radio frequency card in the user terminal and inputs the transaction elements through the user terminal. The transaction element comprises information such as transaction amount, transaction type and transaction password, wherein the transaction type can be any one of deposit, withdrawal, transfer, inquiry and encryption.
The user inputs the trading element by scanning the computer readable code, the user terminal sends the trading element to the online trading system, and after the online trading system receives the trading element, the order state is changed, specifically from the initial state to the trading state. The order is generated by the online transaction system according to the received transaction identification information sent by the self-service bank machine. The orders comprise information such as trading equipment information, trading time and trading modes, and each order uniquely identifies a trade. When a near field communication carrier is placed on the sensing area of the card reader, the state of the near field communication card reader is changed, specifically from an initial state to a transaction.
S130, if the order state or the state of the near field communication card reader is changed, the transaction is carried out according to a transaction control mode corresponding to the changed state.
If the order state changes, the transaction is carried out in a mode of scanning the computer readable code; and if the state of the near field communication card reader is changed, the transaction is carried out by using the near field communication carrier. Optionally, if the order status and the status of the nfc card reader change simultaneously, the transaction may be performed by preferentially using the nfc carrier, which is not limited herein and may be determined according to actual situations.
Optionally, if the order status changes, the near field communication card reader function is turned off.
If the order state changes, the transaction mode is selected to be the mode of carrying out transaction by scanning the computer readable code, or the mode of using the near field communication carrier is selected to carry out transaction when the state of the near field communication card reader is detected to change at the same time; at the moment, the function of the near field communication card reader is closed, so that the interference of the near field communication card reader can be effectively shielded, the energy consumption of the self-service banking machine is reduced, and the service life of the card reader is prolonged.
The embodiment of the invention detects the order state and the state of the near field communication card reader by responding to a transaction starting instruction to display the computer readable code and starting the function of the near field communication card reader, and when any state is changed, the transaction is carried out according to the transaction control mode corresponding to the changed state. The embodiment of the invention optimizes and integrates the transaction mode of scanning the computer readable code or using the near field communication carrier for transaction, breaks through the barriers between different medium transactions, improves the flexibility and the fluency of the transaction process, effectively simplifies the operation steps and the transaction selection process, reduces the operation time of a client and improves the user experience.
Example two
Fig. 2 is a flowchart of a transaction control method in a second embodiment of the present invention, which is further optimized on the basis of the above embodiments, and optionally, before the step of displaying the computer readable code and turning on the near field communication card reader function in response to the transaction start instruction, an additional operation "generates the transaction start instruction in response to a triggering operation of a transaction start key; or, a transaction start instruction is generated in response to the display operation of the transaction home page. "
As shown in fig. 2, the method includes:
s210, responding to the trigger operation of a transaction start key, and generating a transaction start instruction; or, a transaction start instruction is generated in response to the display operation of the transaction home page.
Under the initial page of the self-service banking machine, a user can indicate to start a transaction by touching a virtual key on a display screen of the self-service banking machine or can indicate to start the transaction by pressing a transaction start key on a password keyboard of the self-service banking machine. The self-service banking machine generates a transaction initiation instruction in response to actuation of the transaction initiation key.
In some cases, the self-service banking machine needs to display a transaction home page, on which various functional introductions or advertisements provided by the self-service banking machine are generally displayed. Optionally, the user may return to the transaction home page of the self-service banking machine after completing a transaction, or automatically return to the transaction home page after countdown on other pages is completed, and the self-service banking machine generates a transaction start instruction in response to a display operation of the transaction home page.
And S220, responding to the transaction starting instruction, displaying the computer readable code and starting the function of the near field communication card reader.
S230, detecting the order state and the state of the near field communication card reader, wherein the order state is changed after the transaction elements are input through scanning the computer readable code.
S240, if the order state or the state of the near field communication card reader is changed, the transaction is carried out according to a transaction control mode corresponding to the changed state.
According to the embodiment of the invention, the transaction starting instruction is generated by triggering the transaction starting key or displaying the transaction home page, the transaction mode of scanning the computer readable code and using the near field communication carrier is provided for the user in response to the transaction starting instruction, and the method is different from the method that the user firstly selects the transaction mode on the self-service bank machine before transaction.
EXAMPLE III
Fig. 3 is a flowchart of a transaction control method in a third embodiment of the present invention, which is further optimized based on the above embodiments, and optionally, before the order status and the status of the nfc card reader are detected, an additional operation "responding to a transaction start instruction, sending transaction identification information to an online transaction system, so that the online transaction system generates an order number according to the transaction identification information; and receiving the order number returned by the online trading system, and correspondingly, refining the detected order state into a detected order state corresponding to the order number. "
As shown in fig. 3, the method specifically includes:
and S310, responding to the transaction starting instruction, displaying the computer readable code and starting the function of the near field communication card reader.
S320, responding to a trading start instruction, and sending trading identification information to an online trading system so that the online trading system can generate an order number according to the trading identification information.
The self-service bank machine responds to a transaction starting instruction and sends transaction identification information to the online transaction system, wherein the transaction identification information can be equipment identification of the self-service bank machine and time generated by the transaction starting instruction, and the online transaction system generates an order number according to the transaction identification information and sends the order number to the self-service bank machine.
S330, receiving the order number returned by the online trading system.
And the self-service bank machine receives the order number returned by the online transaction system.
S340, detecting the order state corresponding to the order number and the state of the near field communication card reader, wherein the order state changes after the transaction elements are input through scanning the computer readable code.
The self-service banking machine queries the order state corresponding to the order number in the online trading system by using a polling mechanism according to the order number received from the online trading system. And the online trading system changes the order state after receiving the trading elements, and particularly changes the order state from the initial state to the trading state.
And S350, if the order state or the state of the near field communication card reader is changed, carrying out transaction according to a transaction control mode corresponding to the changed state.
In the embodiment, the trading mode of the computer readable code selected by the user is accurately captured by utilizing the characteristic that the online trading system changes the order state after receiving the trading elements; and the order state corresponding to the order number is detected, and the order number is generated according to the transaction identification information, so that the state in the transaction process can be accurately detected, and the accuracy of the transaction process can be improved.
In the foregoing embodiment and the following embodiments, optionally, the operation "detecting the order status and the status of the near field communication card reader" is refined to "to detect the order status and the status of the near field communication card reader at the same time; or polling the order state if the state of the near field communication card reader is not detected to be changed within a set time length. "wherein the set duration may be a few seconds, illustratively 10 seconds.
It is noted that the self-service banking machine will continue to detect the status of the near field communication card reader while polling the status of the order. The priority of detecting the status of the near field communication reader is because it takes longer to scan a code and enter a transaction element than to place the near field communication reader, which results in a longer time required for the status of an order to change than for the status of the near field communication reader. By doing so, the operation time of the user can be reduced, and the operation flow of the user is simplified.
The embodiment of the invention simultaneously detects the order state and the state of the near field communication card reader through the self-service banking machine; or if the state of the near field communication card reader is not detected to change within the set time length, the order state is polled, mutually independent scanning computer readable codes and transaction processes using near field communication carriers are optimized and integrated, barriers between different medium transactions are broken through, operation steps and transaction selection processes are effectively simplified, and the operation time of a client is reduced.
Example four
Fig. 4 is a flowchart of a transaction control method in a fourth embodiment of the present invention, which is further optimized based on the foregoing embodiment, and optionally, the operation "if the order status changes, the transaction is performed according to the transaction control mode corresponding to the changed status" is refined to "if the order status changes, a transaction element after passing the encryption verification sent by the online transaction system is received, where the transaction element is input to the online transaction system by scanning the computer-readable code and includes a transaction password and transaction details; conducting a transaction based on the transaction details. "
As shown in fig. 4, the method specifically includes:
and S410, responding to the transaction starting instruction, displaying the computer readable code and starting the function of the near field communication card reader.
S420, detecting the order state and the state of the near field communication card reader, wherein the order state is changed after the transaction elements are input through scanning the computer readable code.
And S430, if the order state changes, receiving the trading elements which are sent by the online trading system and pass the encryption verification.
Wherein the transaction element is input to the online transaction system by scanning the computer readable code, and comprises a transaction password and transaction details. The transaction detail comprises information such as transaction type, transaction amount, transaction account number and the like. The user uses the application software in the user terminal to scan the computer readable code and input the transaction element, the user terminal sends the transaction element to the online transaction system, and the online transaction system verifies the secret of the transaction element. Illustratively, verifying the transaction element includes: and comparing the consistency of the received transaction elements with the data prestored in the online transaction system database, and if the consistency of the received transaction elements and the data prestored in the online transaction system database is consistent, passing the verification. The online transaction system sends the verified transaction elements to the self-service banking machine.
And S440, carrying out transaction based on the transaction detail.
The self-service bank transaction system sends out the ten thousand yuan of RMB according to the transaction detail received from the online transaction system, and returns the transaction success information after the money is sent out, prints a receipt and updates the balance of the corresponding account number in the transaction detail.
According to the embodiment of the invention, the user directly scans the computer readable code displayed on the self-service banking machine, the transaction element is input on the user terminal, and the self-service banking machine can perform transaction based on the transaction element input by the user, so that the operation process of the user on the self-service banking machine is simplified, the time of the user is saved, and the user experience is improved. In addition, the embodiment of the invention also inputs the transaction element password by scanning the computer readable code of the user through the online transaction system, and the self-service bank machine carries out transaction based on the transaction element after the password passing is sent by the online transaction system, thereby improving the security of the transaction.
EXAMPLE five
Fig. 5 is a flowchart of a transaction control method in a fifth embodiment of the present invention, which is further optimized based on the foregoing embodiment, and optionally refines the operation "if the order state changes, the transaction is performed according to the transaction control mode corresponding to the changed state" into "if the order state changes, the transaction element sent by the online transaction system is received, where the transaction element is input to the online transaction system by scanning the computer-readable code and includes a transaction password and a transaction detail; receiving a transaction password input by a user through a self-service bank machine; sending the transaction password input by the self-service banking machine and the transaction password in the transaction elements to the online transaction system, and initiating a password verification request to the online transaction system so that the online transaction system returns a password verification passing message after passing the password verification; and responding to the receipt of the password passing verification message sent by the online transaction system, and performing transaction based on the transaction detail. "
And S510, responding to the transaction starting instruction, displaying the computer readable code and starting the function of the near field communication card reader.
S520, detecting the order state and the state of the near field communication card reader, wherein the order state is changed after the transaction elements are input through scanning the computer readable code.
S530, if the order state changes, receiving the trading elements sent by the online trading system.
Wherein the transaction element is input to the online transaction system by scanning the computer readable code, and comprises a transaction password and transaction details.
And S540, receiving a transaction password input by the user through the self-service bank machine.
The user inputs the transaction password on site through a password keyboard of the self-service bank.
And S550, sending the transaction password input by the self-service banking machine and the transaction password in the transaction elements to the online transaction system, and sending a password verification request to the online transaction system so that the online transaction system returns a password verification passing message after passing the password verification.
The transaction password in the transaction element is input into the online transaction system by the user scanning the computer readable code displayed on the screen of the self-service banking machine by using the application software in the user terminal, and is returned to the self-service banking machine by the online transaction system. And the self-service banking machine transmits the received transaction password input by the user on site through a password keyboard of the self-service banking machine and the password in the transaction elements to the online transaction system for verification. The verification of the password can comprise the processes of verifying whether the two received passwords are consistent and whether the received passwords are consistent with data prestored in the online transaction system. The double guarantee, improve the trade security and reduce the lawless persons and steal the user terminal after, the situation that the trade is carried out through the user terminal directly under the automatic circumstances that keeps having the password of user terminal, because need the user to pass through self-service bank machine on-the-spot input password, with the help of self monitoring equipment of self-service bank machine and peripheral monitoring facility, also can improve the security of trade.
And S560, responding to the receipt of the password verification passing message sent by the online transaction system, and performing transaction based on the transaction details.
The details of the transaction process based on the transaction details are described in the above embodiments, and are not described herein again.
The embodiment of the invention checks the password of the transaction input by the user through the self-service bank machine and the password of the transaction in the transaction elements input by the user through the scanning computer readable code through the online transaction system, after the password passes the check, the self-service bank machine conducts the transaction based on the transaction details, and checks the passwords input twice, wherein one password must be input on site through the self-service bank machine, thereby effectively ensuring the security of the transaction.
EXAMPLE six
Fig. 6 is a flowchart of a transaction control method in a sixth embodiment of the present invention, which is further optimized on the basis of the foregoing embodiments, and optionally, the operation "if the state of the near field communication card reader changes, the transaction is performed according to the transaction control mode corresponding to the changed state" is refined "to" if the state of the near field communication card reader changes, the account information of the near field communication carrier is read; receiving a transaction password input by a user through a self-service bank machine; sending the transaction password to the online transaction system, and initiating a password verification request to the online transaction system so that the online transaction system returns a password verification passing message after passing the password verification; and responding to the received password verification passing message sent by the online transaction system, and performing transaction on the account corresponding to the account information. "
As shown in fig. 6, the method includes:
and S610, responding to the transaction starting instruction, displaying the computer readable code and starting the function of the near field communication card reader.
S620, detecting the order state and the state of the near field communication card reader, wherein the order state is changed after the transaction elements are input through scanning the computer readable code.
And S630, if the state of the near field communication card reader is changed, reading the account information of the near field communication carrier.
The near field communication carrier can be a financial radio frequency card with a near field communication function or an intelligent terminal with a near field communication function bound with a bank card. The account information includes, but is not limited to, account number information and home bank information.
And S640, receiving the transaction password input by the user through the self-service bank machine.
S650, sending the transaction password to the online transaction system, and sending a password verification request to the online transaction system so that the online transaction system returns a password verification passing message after passing the password verification.
S660, in response to the receipt of the password verification passing message sent by the online transaction system, transaction is carried out on the account corresponding to the account information.
Optionally, after receiving the password verification passing message sent by the online transaction system, the self-service banking machine prompts the user to select the transaction type through the self-service banking machine, and if necessary, prompts the user to input the transaction amount. For example, the user is not required to be prompted to input the transaction amount when the transaction type is encryption, inquiry, or deposit, but is required to be prompted to input the transaction amount when the transaction type is withdrawal or transfer. And the self-service bank machine carries out transaction on an account corresponding to the account information according to the transaction type selected by the user, the input transaction amount and the account information read by the near field communication card reader.
According to the embodiment of the invention, the state change of the near field communication card reader is detected, namely the process of using the near field communication carrier to carry out transaction is entered, and the user can carry out transaction by using the near field communication carrier only by placing the near field communication carrier on the near field communication card reader of the self-service banking machine, so that the operation of selecting a transaction mode by the user is simplified, the smoothness of the transaction process is improved, the operation time of the user is reduced, and the user experience is improved.
EXAMPLE seven
Fig. 7 is a schematic structural diagram of a transaction control device in a seventh embodiment of the invention, which is applicable to a case where a user conducts a transaction through an automated banking machine, and the method can be executed by the transaction control device, which can be implemented in software and/or hardware and can be configured in the automated banking machine.
As shown in fig. 7, the transaction control device 700 may include: a first control module 710, a status detection module 720, and a transaction module 730.
A first control module 710 for displaying a computer readable code and enabling a near field communication card reader function in response to a transaction initiation instruction;
a status detection module 720, configured to detect an order status and a status of the near field communication card reader, where the order status changes after receiving a transaction element, and the transaction element is input by scanning the computer readable code;
and the transaction module 730 is configured to perform a transaction according to a transaction control mode corresponding to the changed state if the order state or the state of the near field communication card reader is changed.
The embodiment of the invention detects the order state and the state of the near field communication card reader by responding to a transaction starting instruction to display the computer readable code and starting the function of the near field communication card reader, and when any state is changed, the transaction is carried out according to the transaction control mode corresponding to the changed state. The embodiment of the invention optimizes and integrates the transaction mode of scanning the computer readable code or using the near field communication carrier for transaction, breaks through the barriers between different medium transactions, improves the flexibility and the fluency of the transaction process, effectively simplifies the operation steps and the transaction selection process, reduces the operation time of a client and improves the user experience.
Optionally, the transaction control device 700 further includes: the transaction starting instruction generating module is used for responding to the triggering operation of a transaction starting key to generate a transaction starting instruction before responding to the transaction starting instruction, displaying the computer readable code and starting the function of the near field communication card reader; or, a transaction start instruction is generated in response to the display operation of the transaction home page.
Optionally, the status detecting module 720 includes: the first state detection unit is used for simultaneously detecting the order state and the state of the near field communication card reader; or the second state detection unit is used for polling the order state if the state change of the near field communication card reader is not detected within a set time length.
Optionally, the transaction control device 700 further includes: the information sending unit is used for responding to a transaction starting instruction before the order state and the state of the near field communication card reader are detected, and sending transaction identification information to an online transaction system so that the online transaction system can generate an order number according to the transaction identification information; the order number receiving unit is used for receiving the order number returned by the online transaction system before the order state and the state of the near field communication card reader are detected; correspondingly, the status detection module 720 is specifically configured to detect the order status corresponding to the order number when detecting the order status.
Optionally, the transaction module 730 includes:
the first trading element receiving unit is used for receiving the trading elements which are sent by the online trading system and pass the encryption if the order state changes, wherein the trading elements are input into the online trading system by scanning the computer readable codes and comprise trading passwords and trading details;
and the first transaction unit is used for carrying out transaction based on the transaction detail.
Optionally, the transaction module 730 includes:
the second trading element receiving unit is used for receiving the trading elements sent by the online trading system if the order state changes, wherein the trading elements are input into the online trading system by scanning the computer readable codes and comprise trading passwords and trading details;
the first password receiving unit is used for receiving a transaction password input by a user through the self-service bank machine;
the first password sending unit is used for sending the transaction password input by the self-service banking machine and the transaction password in the transaction elements to the online transaction system and sending a password verification request to the online transaction system so that the online transaction system returns a password verification passing message after passing the password verification;
and the second transaction unit is used for responding to the receipt of the password verification passing message sent by the online transaction system and carrying out transaction based on the transaction detail.
Optionally, the transaction module 730 includes:
the account information unit is used for reading the account information of the near field communication carrier if the state of the near field communication card reader is changed;
the second password receiving unit is used for receiving the transaction password input by the user through the self-service bank machine;
the second password sending unit is used for sending the transaction password to the online transaction system and initiating a password verification request to the online transaction system so that the online transaction system returns a password verification passing message after passing the password verification;
and the third transaction unit is used for responding to the received password verification passing message sent by the online transaction system and performing transaction on the account corresponding to the account information.
Optionally, the transaction control device 700 further includes: and the card reader function control module is used for closing the near field communication card reader function if the order state changes.
The transaction control device provided by the embodiment of the invention can execute the transaction control method provided by any embodiment of the invention, and has corresponding functional modules and beneficial effects for executing the transaction control method.
Example eight
Figure 8 is a diagrammatic illustration of an exemplary machine according to an eighth embodiment of the present invention, as shown in figure 8, the machine including a processor 810, a memory 820, an input device 830 and an output device 840; the number of processors 810 in the automated banking machine may be one or more, with one processor 810 being illustrated in FIG. 8; the processor 810, memory 820, input device 830 and output device 840 in the automated banking machine may be connected by a bus or other means, as exemplified by the bus connection in figure 8.
The memory 820 is used as a computer-readable storage medium for storing software programs, computer-executable programs, and modules, such as program instructions/modules corresponding to the transaction control method in the embodiment of the present invention (e.g., the first control module 710, the state detection module 720, and the transaction module 730 in the transaction control device), and the processor 810 executes various functional applications and data processing of the device by executing the software programs, instructions, and modules stored in the memory 820, so as to implement the transaction control method.
The memory 820 may mainly include a program storage area and a data storage area, wherein the program storage 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 820 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 820 may further include memory located remotely from the processor 810, which may be connected to devices through 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 830 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function controls of the device, and may be a password keypad or a near field communication card reader. The output device 840 may include a display device such as a display screen.
Example nine
An embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements a transaction control method according to an embodiment of the present invention, where the transaction control method includes:
in response to the transaction initiation instruction, displaying the computer readable code and enabling the near field communication card reader function;
detecting an order status and a status of the near field communication card reader, wherein the order status changes upon entry of a transaction element by scanning the computer readable code;
and if the order state or the state of the near field communication card reader is changed, carrying out transaction according to a transaction control mode corresponding to the changed state.
Computer storage media for embodiments of the invention may employ any combination of one or more computer-readable media. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + +, or the like, as well as conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
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 (11)

1. A transaction control method, comprising:
in response to the transaction initiation instruction, displaying the computer readable code and enabling the near field communication card reader function;
detecting an order status and a status of the near field communication card reader, wherein the order status changes upon entry of a transaction element by scanning the computer readable code;
and if the order state or the state of the near field communication card reader is changed, carrying out transaction according to a transaction control mode corresponding to the changed state.
2. The method of claim 1, further comprising, prior to said displaying the computer readable code and enabling near field communication reader functionality in response to the transaction initiation instruction:
responding to the triggering operation of a transaction starting key to generate a transaction starting instruction; alternatively, the first and second electrodes may be,
and generating a transaction starting instruction in response to the display operation of the transaction home page.
3. The method of claim 1, wherein the detecting the order status and the status of the near field communication reader comprises:
detecting the order state and the state of the near field communication card reader at the same time;
or polling the order state if the state of the near field communication card reader is not detected to be changed within a set time length.
4. The method of claim 1, further comprising, prior to the detecting the order status and the status of the near field communication reader:
responding to a transaction starting instruction, and sending transaction identification information to an online transaction system so that the online transaction system generates an order number according to the transaction identification information;
receiving the order number returned by the online trading system;
the detecting the order state comprises:
and detecting the order state corresponding to the order number.
5. The method according to claim 1, wherein if the order status changes, performing the transaction according to the transaction control mode corresponding to the changed status comprises:
if the order state changes, receiving transaction elements which are sent by the online transaction system and pass the encryption, wherein the transaction elements are input into the online transaction system by scanning the computer readable codes and comprise transaction passwords and transaction details;
conducting a transaction based on the transaction details.
6. The method according to claim 1, wherein if the order status changes, performing the transaction according to the transaction control mode corresponding to the changed status comprises:
if the order state changes, receiving a transaction element sent by the online transaction system, wherein the transaction element is input into the online transaction system by scanning the computer readable code and comprises a transaction password and transaction details;
receiving a transaction password input by a user through a self-service bank machine;
sending the transaction password input by the self-service banking machine and the transaction password in the transaction elements to the online transaction system, and initiating a password verification request to the online transaction system so that the online transaction system returns a password verification passing message after passing the password verification;
and responding to the receipt of the password passing verification message sent by the online transaction system, and performing transaction based on the transaction detail.
7. The method according to claim 1, wherein if the state of the near field communication card reader changes, performing the transaction according to a transaction control mode corresponding to the changed state comprises:
if the state of the near field communication card reader is changed, reading account information of a near field communication carrier;
receiving a transaction password input by a user through a self-service bank machine;
sending the transaction password to the online transaction system, and initiating a password verification request to the online transaction system so that the online transaction system returns a password verification passing message after passing the password verification;
and responding to the received password verification passing message sent by the online transaction system, and performing transaction on the account corresponding to the account information.
8. The method of any one of claims 1-7, further comprising:
and if the order state changes, closing the function of the near field communication card reader.
9. A transaction control device, comprising:
the first control module is used for responding to a transaction starting instruction, displaying the computer readable code and starting the function of the near field communication card reader;
a state detection module for detecting an order state and a state of the near field communication card reader, wherein the order state changes upon receipt of a transaction element, the transaction element being input by scanning the computer readable code;
and the transaction module is used for carrying out transaction according to a transaction control mode corresponding to the changed state if the order state or the state of the near field communication card reader is changed.
10. A self-service banking machine comprising:
one or more processors;
a memory for storing one or more programs;
when executed by the one or more processors, cause the one or more processors to implement a transaction control method as claimed in any one of claims 1 to 8.
11. A storage medium containing computer-readable instructions which, when executed by a computer processor, perform a transaction control method according to any one of claims 1 to 8.
CN202010833881.0A 2020-08-18 2020-08-18 Transaction control method, device, self-service banking machine and readable storage medium Pending CN112001719A (en)

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