CN112950200A - Transaction management method and system suitable for bankbook - Google Patents
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Abstract
The application provides a transaction management method and a system suitable for bankbook, wherein the transaction management method comprises the following steps: the POS terminal responds to the transaction request, assembles a transaction message aiming at the initiated transaction, encrypts the transaction message and sends the encrypted transaction message to the server; the server decrypts and verifies the transaction message sent by the POS terminal, and performs corresponding transaction processing after the verification is confirmed to pass; after the server finishes the transaction processing, the server sends a transaction processing result to the POS terminal; after receiving the transaction processing result, the POS terminal initiates a request for printing information of the account book to the server so that the server can return account book contents to be printed; after the format processing is carried out on the account book content returned by the server by the POS terminal, the account book content is sent to a bankbook printer based on a serial port communication protocol; and the bankbook printer additionally prints the running water content according to the account book content sent by the POS terminal and returns the printing result to the POS terminal.
Description
Technical Field
The application relates to the technical field of financial transactions, in particular to a transaction management method and system suitable for bankbooks.
Background
An independent POS terminal or an independent bankbook printer is generally adopted in the existing market, the independent POS terminal can only identify a magnetic stripe card or an IC card and cannot identify a bankbook, so that the transaction cannot be carried out through the bankbook; or after the POS terminal uses a bank magnetic stripe card or an IC card for transaction, the transaction record can not be printed on a bankbook under the same account. A separate passbook printer can only be used as an accessory in a business office of a bank or a financial institution together with a dedicated computer, and can only be used for printing passbook transaction records or performing a post-printing on past transaction records. In the related art, there is also an apparatus capable of printing a passbook and performing a transaction using a magnetic stripe card or an IC card of a bank, but such an apparatus is generally large in size and weak in mobility. In addition, for rural areas where passbooks are used more, the passbooks cannot be used for transactions, which makes the transactions inconvenient.
Disclosure of Invention
The present application addresses the shortcomings of the prior art by providing a transaction management method and system for passbooks that addresses at least one of the above-identified problems.
In a first aspect, an embodiment of the present application provides a transaction management method for a bankbook, including: the POS terminal responds to the transaction request, assembles a transaction message aiming at the initiated transaction, encrypts the transaction message and sends the encrypted transaction message to the server; the server decrypts and verifies the transaction message sent by the POS terminal, and performs corresponding transaction processing after the verification is confirmed to pass; after the server finishes the transaction processing, the server sends a transaction processing result to the POS terminal; after receiving the transaction processing result, the POS terminal initiates a request for printing information of the account book to the server so that the server can return account book contents to be printed; after the format processing is carried out on the account book content returned by the server by the POS terminal, the account book content is sent to a bankbook printer based on a serial port communication protocol; and the bankbook printer additionally prints the running water content according to the account book content sent by the POS terminal and returns the printing result to the POS terminal.
In one embodiment of the present application, assembling a transaction message for an initiated transaction, and encrypting the transaction message includes: the POS terminal assembles a transaction message aiming at the initiated transaction, and carries out signature calculation on the transaction message based on a certificate prestored by the POS terminal; after the POS terminal completes signature calculation, base64 encryption is carried out on the transaction message, and a transaction message field and a signature information field are added; and the POS terminal calls an encryption tool to carry out full-message encryption on the transaction message.
In an embodiment of the present application, sending the encrypted transaction message to the server includes: and the POS terminal sends the transaction message subjected to full message encryption to the server side in an https request mode.
In an embodiment of the present application, the server decrypts and verifies the transaction packet sent by the POS terminal, and performs corresponding transaction processing after the verification is confirmed, including: after receiving the transaction message which is sent by the POS terminal and is subjected to full message encryption, the server calls an encryption and decryption tool to decrypt the transaction message to obtain a plaintext; and the server side verifies the transaction message field and the signature information field, and performs corresponding transaction processing after determining that the message is not intercepted and changed.
In one embodiment of the application, initiating a request to a server for printing information for an ledger for the server to return ledger content to be printed comprises: the POS terminal initiates a request for printing information of the account book to the server, the server determines account book content to be printed according to the request for the printing information, an encryption and decryption tool is called to decrypt the account book content, and the encrypted account book content is sent to the POS terminal.
In an embodiment of the present application, after the POS terminal performs format processing on account book content returned by the server, the POS terminal sends the account book content to the bankbook printer based on a serial port communication protocol, including: after receiving the account book content returned by the server, the POS terminal calls an encryption and decryption tool to decrypt the account book content; and the POS terminal checks the decrypted account book content to generate a printing template of the account book content, and sends the printing template of the account book content to a bankbook printer.
In an embodiment of the present application, the passbook printer printing the journal content according to the account book content sent by the POS terminal, including: and the bankbook printer replys the running water content according to the printing template of the account book content sent by the POS terminal.
In a second aspect, the embodiment of the present application provides a transaction management system suitable for a passbook, in a first aspect, the embodiment of the present application provides a transaction management system comprising a POS terminal, a server and a passbook printer, wherein the POS terminal is in communication connection with the server and the passbook printer; the POS terminal responds to the transaction request, assembles a transaction message aiming at the initiated transaction, encrypts the transaction message and sends the encrypted transaction message to the server; the server decrypts and verifies the transaction message sent by the POS terminal, and performs corresponding transaction processing after the verification is confirmed to pass; after the server finishes the transaction processing, the server sends a transaction processing result to the POS terminal; after receiving the transaction processing result, the POS terminal initiates a request for printing information of the account book to the server so that the server can return account book contents to be printed; after the format processing is carried out on the account book content returned by the server by the POS terminal, the account book content is sent to a bankbook printer based on a serial port communication protocol; and the bankbook printer additionally prints the running water content according to the account book content sent by the POS terminal and returns the printing result to the POS terminal.
In one embodiment of the present application, assembling a transaction message for an initiated transaction, and encrypting the transaction message includes: the POS terminal assembles a transaction message aiming at the initiated transaction, and carries out signature calculation on the transaction message based on a certificate prestored by the POS terminal; after the POS terminal completes signature calculation, base64 encryption is carried out on the transaction message, and a transaction message field and a signature information field are added; and the POS terminal calls an encryption tool to carry out full-message encryption on the transaction message.
In one embodiment of the application, initiating a request to a server for printing information for an ledger for the server to return ledger content to be printed comprises: the POS terminal initiates a request for printing information of the account book to the server, the server determines account book content to be printed according to the request for the printing information, an encryption and decryption tool is called to decrypt the account book content, and the encrypted account book content is sent to the POS terminal.
In one embodiment of the application, the POS terminal is provided with an order receiving application, and the server is provided with a bank online transaction system.
The technical scheme provided by the embodiment of the application at least has the following beneficial effects:
the transaction method and system suitable for the bankbook provided by the embodiment of the application support the POS machine to be connected with the printer to directly print the details of the account book, and the data security is ensured by adopting encryption verification (double verification of encryption of a unified encryption tool and https certificate verification) in the transaction in the data circulation process. Compare the transaction process that adopts traditional account book printing apparatus, the transaction process of the transaction side system that this application provided is more nimble, convenient and the security is higher, adopts serial communication between POS machine and the bankbook printer, and the matching degree of difficulty that the bankbook was printed has been reduced to most printers on the adaptation market.
Additional aspects and advantages of the present application will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the present application.
Drawings
The foregoing and/or additional aspects and advantages of the present application will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
FIG. 1 is an architecture diagram of a transaction management system adapted for passbooks provided herein;
FIG. 2 is a schematic flow diagram of a transaction management system for passbooks according to the present application;
fig. 3 is a flow chart illustrating another transaction management method suitable for passbooks according to the present application.
Detailed Description
Reference will now be made in detail to the present application, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the same or similar parts or parts having the same or similar functions throughout. In addition, if a detailed description of the known art is not necessary for illustrating the features of the present application, it is omitted. The embodiments described below with reference to the drawings are exemplary only for the purpose of explaining the present application and are not to be construed as limiting the present application.
It will be understood by those within the art that, unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs. It will be further understood that terms, such as those defined in commonly used dictionaries, should be interpreted as having a meaning that is consistent with their meaning in the context of the prior art and will not be interpreted in an idealized or overly formal sense unless expressly so defined herein.
As used herein, the singular forms "a", "an", "the" and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. It will be understood that when an element is referred to as being "connected" or "coupled" to another element, it can be directly connected or coupled to the other element or intervening elements may also be present. Further, "connected" or "coupled" as used herein may include wirelessly connected or wirelessly coupled. As used herein, the term "and/or" includes all or any element and all combinations of one or more of the associated listed items.
The terms referred to in this application are first defined and explained.
And (4) account book checking: it is composed of linked account pages with a certain format, is used for comprehensively, systematically and continuously recording books of various economic businesses, is a basis for compiling financial statements and is an important tool for storing accounting data.
POS terminal: the multifunctional self-service terminal has the functions of supporting withdrawal, deposit, transfer, balance inquiry, password modification and the like.
Serial port: the serial interface is also called serial communication interface or serial communication interface (generally referred to as COM interface), and is an extended interface adopting a serial communication method.
Fig. 1 is an architecture diagram of a transaction management system suitable for a passbook according to an embodiment of the present application, where the transaction management system includes a POS terminal, a server, and a passbook printer, the POS terminal is respectively connected to the server and the passbook printer in a communication manner, the POS terminal is deployed with a receipt application, and the server is deployed with an online banking transaction system. The POS terminal, the server, and the bankbook printer respectively execute corresponding steps of the transaction management method suitable for the bankbook provided in the embodiment of the present application, and it can be understood that the POS terminal executes corresponding steps of the transaction management method suitable for the bankbook based on the receipt application, and the server executes corresponding steps of the transaction management method suitable for the bankbook based on the bank online transaction system.
Fig. 2 is a flowchart of a transaction management method for passbooks according to an embodiment of the present application, the method including the steps of:
s110: and the POS terminal responds to the transaction request, assembles a transaction message aiming at the initiated transaction, encrypts the transaction message and sends the encrypted transaction message to the server.
In one embodiment of the present application, assembling a transaction message for an initiated transaction, and encrypting the transaction message includes: the POS terminal assembles a transaction message aiming at the initiated transaction, and carries out signature calculation on the transaction message based on a certificate prestored by the POS terminal; after the POS terminal completes signature calculation, base64 encryption is carried out on the transaction message, and a transaction message field and a signature information field are added; and the POS terminal calls an encryption tool to carry out full-message encryption on the transaction message.
In an embodiment of the present application, sending the encrypted transaction message to the server includes: and the POS terminal sends the transaction message subjected to full message encryption to the server side in an https request mode.
S120: and the server decrypts and verifies the transaction message sent by the POS terminal, and performs corresponding transaction processing after the verification is confirmed to be passed.
In an embodiment of the present application, the server decrypts and verifies the transaction packet sent by the POS terminal, and performs corresponding transaction processing after the verification is confirmed, including: after receiving the transaction message which is sent by the POS terminal and is subjected to full message encryption, the server calls an encryption and decryption tool to decrypt the transaction message to obtain a plaintext; and the server side verifies the transaction message field and the signature information field, and performs corresponding transaction processing after determining that the message is not intercepted and changed.
S130: and after the server finishes the transaction processing, sending a transaction processing result to the POS terminal.
S140: and after receiving the transaction processing result, the POS terminal initiates a request for printing information of the account book to the server so that the server returns the account book content to be printed.
In one embodiment of the application, initiating a request to a server for printing information for an ledger for the server to return ledger content to be printed comprises: the POS terminal initiates a request for printing information of the account book to the server, the server determines account book content to be printed according to the request for the printing information, an encryption and decryption tool is called to decrypt the account book content, and the encrypted account book content is sent to the POS terminal.
S150: and after the format processing is carried out on the account book content returned by the server by the POS terminal, the account book content is sent to the bankbook printer based on the serial port communication protocol.
In an embodiment of the present application, after the POS terminal performs format processing on account book content returned by the server, the POS terminal sends the account book content to the bankbook printer based on a serial port communication protocol, including: after receiving the account book content returned by the server, the POS terminal calls an encryption and decryption tool to decrypt the account book content; and the POS terminal checks the decrypted account book content to generate a printing template of the account book content, and sends the printing template of the account book content to a bankbook printer.
S160: and the bankbook printer additionally prints the running water content according to the account book content sent by the POS terminal and returns the printing result to the POS terminal.
In an embodiment of the present application, the passbook printer printing the journal content according to the account book content sent by the POS terminal, including: and the bankbook printer replys the running water content according to the printing template of the account book content sent by the POS terminal.
The transaction method suitable for the bankbook provided by the embodiment of the application supports the POS machine to be connected with the printer to directly print the account book details, and the data security is ensured by adopting encryption verification (double verification of encryption of a unified encryption tool and https certificate verification) in the transaction in the data circulation process. Compared with the transaction process of the traditional account book printing device, the transaction process of the transaction method is more flexible, convenient and higher in safety, serial port communication is adopted between the POS machine and the bankbook printer, most printers on the market are adapted, and the matching difficulty of bankbook printing is reduced.
Fig. 3 is a flow chart of another transaction management method for passbooks according to an embodiment of the present application, including the steps of:
s201: and the POS terminal assembles a transaction message aiming at the initiated transaction and carries out signature calculation on the transaction message based on a certificate prestored by the POS terminal.
S202: and after the POS terminal completes signature calculation, base64 encryption is carried out on the transaction message, and a transaction message field and a signature information field are added.
S203: and the POS terminal calls an encryption tool to carry out full-message encryption on the transaction message.
S204: and the POS terminal sends the transaction message subjected to full message encryption to the server side in an https request mode.
S205: and after receiving the transaction message which is sent by the POS terminal and is subjected to full-message encryption, the server calls an encryption and decryption tool to decrypt the transaction message to obtain a plaintext.
S206: and the server side verifies the transaction message field and the signature information field, and performs corresponding transaction processing after determining that the message is not intercepted and changed.
S207: and after the server finishes the transaction processing, sending a transaction processing result to the POS terminal.
S208: the POS terminal initiates a request to the server for print information for the ledger.
S209: the server confirms account book contents to be printed according to the request of the printing information, calls an encryption and decryption tool to decrypt the account book contents, and sends the encrypted account book contents to the POS terminal.
S210: and after the POS terminal receives the account book content returned by the server, calling an encryption and decryption tool to decrypt the account book content.
S211: and the POS terminal checks the decrypted account book content to generate a printing template of the account book content, and sends the printing template of the account book content to a bankbook printer.
S212: and the bankbook printer replys the running water content according to the printing template of the account book content sent by the POS terminal and returns the printing result to the POS terminal.
Based on the same inventive concept, an embodiment of the present application further provides a transaction management system suitable for a passbook, as shown in fig. 1, the transaction management system includes a POS terminal, a server and a passbook printer, the POS terminal is in communication connection with the server and the passbook printer, the POS terminal is deployed with a receipt application, and the server is deployed with a bank online transaction system.
The POS terminal responds to the transaction request, assembles a transaction message aiming at the initiated transaction, encrypts the transaction message and sends the encrypted transaction message to the server; the server decrypts and verifies the transaction message sent by the POS terminal, and performs corresponding transaction processing after the verification is confirmed to pass; after the server finishes the transaction processing, the server sends a transaction processing result to the POS terminal; after receiving the transaction processing result, the POS terminal initiates a request for printing information of the account book to the server so that the server can return account book contents to be printed; after the format processing is carried out on the account book content returned by the server by the POS terminal, the account book content is sent to a bankbook printer based on a serial port communication protocol; and the bankbook printer additionally prints the running water content according to the account book content sent by the POS terminal and returns the printing result to the POS terminal.
In one embodiment of the application, a transaction message is assembled by a POS terminal aiming at an initiated transaction, and signature calculation is carried out on the transaction message based on a certificate pre-stored by the POS terminal; after the POS terminal completes signature calculation, base64 encryption is carried out on the transaction message, and a transaction message field and a signature information field are added; and the POS terminal calls an encryption tool to carry out full-message encryption on the transaction message.
In an embodiment of the application, the POS terminal sends the transaction message encrypted with the full message to the server in an https request mode.
In an embodiment of the application, after receiving a transaction message which is sent by a POS terminal and is subjected to full-message encryption, a server calls an encryption and decryption tool to decrypt the transaction message to obtain a plaintext; and the server side verifies the transaction message field and the signature information field, and performs corresponding transaction processing after determining that the message is not intercepted and changed.
In an embodiment of the application, the POS terminal initiates a request for printing information of the account book to the server, the server determines account book content to be printed according to the request for printing information, invokes an encryption and decryption tool to decrypt the account book content, and sends the encrypted account book content to the POS terminal.
In one embodiment of the application, after receiving account book contents returned by a server, a POS terminal calls an encryption and decryption tool to decrypt the account book contents; the POS terminal checks the decrypted account book content to generate a printing template of the account book content, and sends the printing template of the account book content to a bankbook printer; the bankbook printer subsidizes the running water content according to the account book content sent by the POS terminal, and comprises the following steps: and the bankbook printer replys the running water content according to the printing template of the account book content sent by the POS terminal.
The transaction system suitable for the bankbook provided by the embodiment of the application supports the POS machine to be connected with the printer to directly print the account book details, and the data security is ensured by adopting encryption verification (double verification of encryption of a unified encryption tool and https certificate verification) in the transaction of the data circulation process. Compare the transaction process that adopts traditional account book printing apparatus, the transaction process of the transaction side system that this application provided is more nimble, convenient and the security is higher, adopts serial communication between POS machine and the bankbook printer, and the matching degree of difficulty that the bankbook was printed has been reduced to most printers on the adaptation market.
The transaction management system suitable for the bankbook provided by the embodiment of the present application has the same inventive concept as that of the foregoing embodiments, and the content not shown in detail in the data query end may refer to the foregoing embodiments, and is not described herein again.
Those of skill in the art will appreciate that the various operations, methods, steps in the processes, acts, or solutions discussed in this application can be interchanged, modified, combined, or eliminated. Further, other steps, measures, or schemes in various operations, methods, or flows that have been discussed in this application can be alternated, altered, rearranged, broken down, combined, or deleted. Further, steps, measures, schemes in the prior art having various operations, methods, procedures disclosed in the present application may also be alternated, modified, rearranged, decomposed, combined, or deleted.
In the description of the present application, it is to be understood that the terms "first", "second" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implying any number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of that feature. In the description of the present application, "a plurality" means two or more unless otherwise specified.
It should be understood that, although the respective steps in the flowcharts of the drawings are sequentially shown based on the indication of the arrow, the steps are not necessarily sequentially performed based on the order indicated by the arrow. The steps are not performed in the exact order shown and may be performed in other orders unless explicitly stated herein. Moreover, at least a portion of the steps in the flow chart of the figure may include multiple sub-steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed in sequence, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
The foregoing is only a partial embodiment of the present application, and it should be noted that, for those skilled in the art, several modifications and decorations can be made without departing from the principle of the present application, and these modifications and decorations should also be regarded as the protection scope of the present application.
Claims (10)
1. A transaction management method for passbooks, comprising:
the POS terminal responds to a transaction request, assembles a transaction message aiming at the initiated transaction, encrypts the transaction message and sends the encrypted transaction message to a server;
the server decrypts and verifies the transaction message sent by the POS terminal, and performs corresponding transaction processing after the verification is confirmed to pass;
after the server finishes transaction processing, a transaction processing result is sent to the POS terminal;
after receiving the transaction processing result, the POS terminal sends a request for printing information of the account book to the server so that the server can return account book contents to be printed;
after the format processing is carried out on the account book content returned by the server by the POS terminal, the account book content is sent to a bankbook printer based on a serial port communication protocol;
and the bankbook printer reissues the running water content according to the account book content sent by the POS terminal and returns the printing result to the POS terminal.
2. The passbook-adapted transaction management method of claim 1, wherein assembling a transaction message for an initiated transaction, encrypting the transaction message comprises:
the POS terminal assembles a transaction message aiming at the initiated transaction, and carries out signature calculation on the transaction message based on a certificate prestored by the POS terminal;
after the POS terminal completes signature calculation, base64 encryption is carried out on the transaction message, and a transaction message field and a signature information field are added;
and the POS terminal calls an encryption tool to carry out full-message encryption on the transaction message.
3. The passbook-adapted transaction management method according to claim 2, wherein the sending of the encrypted transaction message to a server comprises: and the POS terminal sends the transaction message subjected to full message encryption to the server side in an https request mode.
4. The transaction management method suitable for passbooks according to claim 2, wherein the server decrypts and verifies the transaction message sent by the POS terminal, and performs corresponding transaction processing after the verification is confirmed, including:
after receiving the transaction message which is sent by the POS terminal and is subjected to full-message encryption, the server calls an encryption and decryption tool to decrypt the transaction message to obtain a plaintext;
and the server verifies the transaction message field and the signature information field, and performs corresponding transaction processing after determining that the message is not intercepted and changed.
5. The passbook-adapted transaction management method of claim 1, wherein the initiating a request to the server for printing information for a passbook for the server to return passbook contents to be printed comprises:
the POS terminal initiates a request for printing information of the account book to the server, the server determines account book content to be printed according to the request for the printing information, an encryption and decryption tool is called to decrypt the account book content, and the encrypted account book content is sent to the POS terminal.
6. The passbook-adapted transaction management method of claim 5,
after the POS terminal carries out format processing on account book contents returned by the server, the account book contents are sent to a bankbook printer based on a serial port communication protocol, and the method comprises the following steps: after the POS terminal receives the account book content returned by the server, an encryption and decryption tool is called to decrypt the account book content; the POS terminal checks the decrypted account book content to generate a printing template of the account book content, and sends the printing template of the account book content to the bankbook printer;
the bankbook printer according to the account book content that POS terminal sent mends the flowing water content, includes: and the bankbook printer replys the journal content according to the printing template of the account book content sent by the POS terminal.
7. A transaction management system adapted for a passbook comprising a POS terminal, a server and a passbook printer, said POS terminal being communicatively coupled to said server and said passbook printer;
the POS terminal responds to a transaction request, assembles a transaction message aiming at the initiated transaction, encrypts the transaction message and sends the encrypted transaction message to a server;
the server decrypts and verifies the transaction message sent by the POS terminal, and performs corresponding transaction processing after the verification is confirmed to pass;
after the server finishes transaction processing, a transaction processing result is sent to the POS terminal;
after receiving the transaction processing result, the POS terminal sends a request for printing information of the account book to the server so that the server can return account book contents to be printed;
after the format processing is carried out on the account book content returned by the server by the POS terminal, the account book content is sent to a bankbook printer based on a serial port communication protocol;
and the bankbook printer reissues the running water content according to the account book content sent by the POS terminal and returns the printing result to the POS terminal.
8. The passbook-adapted transaction management system of claim 7,
the POS terminal assembles a transaction message aiming at the initiated transaction, and carries out signature calculation on the transaction message based on a certificate prestored by the POS terminal;
after the POS terminal completes signature calculation, base64 encryption is carried out on the transaction message, and a transaction message field and a signature information field are added;
and the POS terminal calls an encryption tool to carry out full-message encryption on the transaction message.
9. The passbook-adapted transaction management system of claim 7,
the POS terminal initiates a request for printing information of the account book to the server, the server determines account book content to be printed according to the request for the printing information, an encryption and decryption tool is called to decrypt the account book content, and the encrypted account book content is sent to the POS terminal.
10. The passbook-adapted transaction management system of claim 7, wherein the POS terminal is deployed with an acquirer application and the server is deployed with a banking online transaction system.
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| CN202110163488.XA CN112950200A (en) | 2021-02-05 | 2021-02-05 | Transaction management method and system suitable for bankbook |
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