CN113450511A - Transaction method of acceptance terminal equipment and bank system and acceptance terminal equipment - Google Patents
Transaction method of acceptance terminal equipment and bank system and acceptance terminal equipment Download PDFInfo
- Publication number
- CN113450511A CN113450511A CN202110322619.4A CN202110322619A CN113450511A CN 113450511 A CN113450511 A CN 113450511A CN 202110322619 A CN202110322619 A CN 202110322619A CN 113450511 A CN113450511 A CN 113450511A
- Authority
- CN
- China
- Prior art keywords
- information
- transaction
- equipment
- self
- checking
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- 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]
- G07F19/209—Monitoring, auditing or diagnose of functioning of ATMs
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The embodiment of the invention provides a transaction method of acceptance terminal equipment and a bank system, the acceptance terminal equipment and a transaction device, wherein the method comprises the following steps: the method comprises the steps that when transaction information is sent to a bank system by an acceptance terminal device, self-checking information of the device is obtained; the equipment self-checking information comprises one or more of equipment identification information, equipment position information and equipment state information; sending the equipment self-checking information to the bank system; and the bank system carries out transaction according to the transaction information when confirming the transaction safety according to the equipment self-checking information. The embodiment of the invention can ensure that each transaction between the bank system and the acceptance terminal equipment can be carried out under the condition that the acceptance terminal equipment is placed in any area and the transaction is safe, thereby reducing the stationing limit of the acceptance terminal equipment.
Description
Technical Field
The invention relates to the technical field of digital currency, in particular to a transaction method of an acceptance terminal device and a bank system, the acceptance terminal device and a transaction device.
Background
An existing ATM (Automated Teller Machine) is generally installed in a bank branch having a security monitoring function. With the development of digital money, ATMs that store digital money wallets and support digital money transactions have appeared, and users can recharge digital money in the digital money wallets through personal bank accounts or extract digital money in the digital money wallets into the personal bank accounts.
Because the digital currency ATM can not store the digital currency, the situation of stealing the digital currency in the digital currency ATM can not occur, so the digital currency ATM does not need to be placed in a bank outlet, and the digital currency can be distributed to a leaving region as long as the communication content between the digital currency ATM and the back end of a bank is ensured to be credible, thereby being more convenient for individuals to access the digital currency. But there is currently no solution for checking the security of digital currency ATMs.
Disclosure of Invention
In view of the above problems, embodiments of the present invention are proposed to provide a transaction method, an acceptance terminal device and a transaction apparatus for a banking system, which overcome or at least partially solve the above problems.
In order to solve the above problem, an embodiment of the present invention discloses a transaction method between an acceptance terminal device and a banking system, including:
the method comprises the steps that when transaction information is sent to a bank system by an acceptance terminal device, self-checking information of the device is obtained; the equipment self-checking information comprises one or more of equipment identification information, equipment position information and equipment state information;
sending the equipment self-checking information to the bank system; and the bank system carries out transaction according to the transaction information when confirming the transaction safety according to the equipment self-checking information.
Optionally, the sending the device self-check information to the banking system includes:
converting the equipment self-checking information into target information according to the coding format of the transaction information;
and sending the target information to the bank system so that the bank system obtains the equipment self-checking information according to the target information, and carrying out transaction according to the transaction information when confirming the transaction safety according to the equipment self-checking information.
Optionally, the converting the device self-check information into target information according to the encoding format of the transaction information includes:
and encrypting the equipment self-checking information and converting the equipment self-checking information into target information according to the coding format of the transaction information.
Optionally, the sending the target information to the banking system includes:
and simultaneously sending the target information and the transaction information to the banking system.
Optionally, the converting the device self-check information into target information according to the encoding format of the transaction information includes:
acquiring dynamic verification information and attaching the dynamic verification information to the equipment self-checking information;
and converting the equipment self-checking information and the dynamic verification information into target information according to the coding format of the transaction information, wherein the dynamic verification information is used for judging whether to carry out transaction.
Optionally, the converting the device self-check information and the dynamic verification information into target information according to the encoding format of the transaction information includes:
and encrypting the equipment self-checking information and the dynamic verification information and converting the equipment self-checking information and the dynamic verification information into target information according to the coding format of the transaction information.
The embodiment of the invention also discloses a transaction method of the acceptance terminal equipment and the bank system, which comprises the following steps:
the bank system receives transaction information and equipment self-checking information sent by the acceptance terminal equipment; the device self-referral information comprises one or more of device identification information, device position information and device state information;
judging whether the transaction is safe or not according to the equipment self-checking information;
and if the transaction is safe, performing the transaction according to the transaction information.
Optionally, the determining whether the transaction is safe according to the device self-check information includes:
judging whether the equipment self-checking information is matched with preset information or not; the preset information comprises one or more of prestored equipment identification information, prestored position area range information and prestored equipment state information;
if the equipment self-checking information is matched with preset information, determining the transaction safety;
and if the equipment self-checking information does not match with the preset information, determining that the transaction is unsafe.
Optionally, the receiving, by the banking system, the device self-inspection information sent by the acceptance terminal device includes:
the bank system receives target information sent by the acceptance terminal equipment; the target information is obtained by converting the equipment self-checking information according to the coding format of the transaction information by the acceptance terminal equipment;
and analyzing the target information to obtain equipment self-checking information according to the coding format of the transaction information.
Optionally, the analyzing the target information according to the encoding format of the transaction information to obtain the equipment self-check information includes:
analyzing the target information according to the coding format of the transaction information to obtain encrypted equipment self-checking information;
and decrypting the encrypted equipment self-checking information to obtain the equipment self-checking information.
Optionally, the receiving, by the bank system, transaction information and device self-check information sent by the acceptance terminal device includes:
and the bank system receives the transaction information and the equipment self-checking information which are simultaneously sent by the acceptance terminal equipment.
Optionally, the analyzing the target information according to the encoding format of the transaction information to obtain the equipment self-check information includes:
analyzing the target information to obtain equipment self-checking information and dynamic verification information according to the coding format of the transaction information;
the transaction according to the transaction information comprises the following steps:
judging whether the dynamic verification information meets a preset condition or not;
and if the dynamic information meets the preset condition, carrying out transaction according to the transaction information.
The embodiment of the invention also discloses an acceptance terminal device, which comprises:
the self-checking information acquisition module is used for acquiring equipment self-checking information when the transaction information is sent to the bank system; the equipment self-checking information comprises one or more of equipment identification information, equipment position information and equipment state information;
the self-checking information sending module is used for sending the equipment self-checking information to the bank system; and the bank system carries out transaction according to the transaction information when confirming the transaction safety according to the equipment self-checking information.
Optionally, the self-test information sending module includes:
the first format conversion submodule is used for converting the equipment self-checking information into target information according to the coding format of the transaction information;
and the target information sending submodule is used for sending the target information to the bank system so that the bank system obtains the equipment self-check information according to the target information and carries out transaction according to the transaction information when the transaction safety is confirmed according to the equipment self-check information.
Optionally, the first format conversion sub-module includes:
and the first encryption conversion unit is used for encrypting the equipment self-test information and converting the equipment self-test information into target information according to the coding format of the transaction information.
Optionally, the target information sending sub-module includes:
and the simultaneous sending unit is used for sending the target information and the transaction information to the bank system simultaneously.
Optionally, the format conversion sub-module includes:
a dynamic information attachment unit for acquiring dynamic authentication information and attaching to the device self-check information;
and the second format conversion submodule is used for converting the equipment self-checking information and the dynamic verification information into target information according to the coding format of the transaction information, and the dynamic verification information is used for judging whether to carry out transaction or not.
Optionally, the second format conversion sub-module includes:
and the second encryption conversion unit is used for encrypting the equipment self-checking information and the dynamic verification information and converting the equipment self-checking information and the dynamic verification information into target information according to the coding format of the transaction information.
The embodiment of the invention also discloses a transaction device, which is applied to a bank system and used for performing transaction with the acceptance terminal equipment, and the transaction device comprises:
the information receiving module is used for receiving the transaction information and the equipment self-checking information sent by the acceptance terminal equipment; the device self-referral information comprises one or more of device identification information, device position information and device state information;
the transaction safety judgment module is used for judging whether the transaction is safe or not according to the equipment self-checking information;
and the transaction module is used for carrying out transaction according to the transaction information if the transaction is safe.
Optionally, the transaction security judgment module includes:
the matching judgment sub-module is used for judging whether the equipment self-checking information is matched with preset information or not; the preset information comprises one or more of prestored equipment identification information, prestored position area range information and prestored equipment state information;
the safety confirmation sub-module is used for determining the transaction safety if the equipment self-checking information is matched with preset information;
and the unsafe confirmation submodule is used for determining that the transaction is unsafe if the equipment self-checking information is not matched with the preset information.
Optionally, the information receiving module includes:
the target information receiving submodule is used for receiving the target information sent by the acceptance terminal equipment; the target information is obtained by converting the equipment self-checking information according to the coding format of the transaction information by the acceptance terminal equipment;
and the analysis submodule is used for analyzing the target information according to the coding format of the transaction information to obtain equipment self-checking information.
Optionally, the parsing sub-module includes:
the encrypted information analyzing unit is used for analyzing the target information according to the coding format of the transaction information to obtain encrypted equipment self-checking information;
and the information decryption unit is used for decrypting the encrypted equipment self-checking information to obtain the equipment self-checking information.
Optionally, the information receiving module includes:
and the receiving submodule is used for receiving the transaction information and the equipment self-check information which are simultaneously sent by the acceptance terminal equipment.
Optionally, the parsing sub-module includes:
the information analysis subunit is used for analyzing the target information according to the coding format of the transaction information to obtain equipment self-checking information and dynamic verification information;
the transaction module includes:
the condition judgment module is used for judging whether the dynamic verification information meets a preset condition or not;
and the transaction continuing module is used for carrying out transaction according to the transaction information if the dynamic information meets the preset condition.
The embodiment of the invention also discloses an electronic device, which comprises: a processor, a memory and a computer program stored in the memory and capable of running on the processor, wherein the computer program, when executed by the processor, implements the steps of the transaction method between the acceptance terminal device and the banking system.
The embodiment of the invention also discloses a computer readable storage medium, wherein a computer program is stored on the computer readable storage medium, and when the computer program is executed by a processor, the steps of the transaction method of the acceptance terminal device and the bank system are realized.
The embodiment of the invention has the following advantages:
in the embodiment of the invention, the acceptance terminal equipment has self-checking capability, and when the acceptance terminal equipment sends transaction information to a bank system, the acceptance terminal equipment can perform self-checking to obtain the self-checking information of the equipment, wherein the self-checking information of the equipment can comprise one or more of equipment identification information, equipment position information and equipment state information; the acceptance terminal equipment can send the equipment self-check information to the bank system, so that the bank system can carry out transaction according to the transaction information when confirming the transaction safety according to the equipment self-check information. The embodiment of the invention can ensure that each transaction between the bank system and the acceptance terminal equipment can be carried out under the condition that the acceptance terminal equipment is placed in any area and the transaction is safe, thereby reducing the stationing limit of the acceptance terminal equipment.
Drawings
Fig. 1 is a flowchart illustrating steps of a transaction method between an acceptance terminal device and a banking system according to an embodiment of the present invention;
fig. 2 is a flowchart illustrating steps of another transaction method between an acceptance terminal device and a banking system according to an embodiment of the present invention;
fig. 3 is a block diagram of a receiving terminal device according to an embodiment of the present invention;
fig. 4 is a block diagram of a transaction apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the aforementioned objects, features and advantages of the present invention comprehensible, embodiments accompanied with figures are described in further detail below.
Referring to fig. 1, a flowchart illustrating steps of a transaction method between an acceptance terminal device and a banking system according to an embodiment of the present invention is shown, where the method may specifically include the following steps:
In the embodiment of the present invention, the acceptance terminal device may include various types of devices that can perform transactions with the digital money wallet, such as an ATM (automatic teller machine) and a Point of sale (POS) device.
The acceptance terminal equipment has a self-checking function and can detect own equipment identification information, equipment position information and equipment state information.
The equipment identification information can be formed by combining equipment unique information such as serial numbers, placement points, main chip numbers and the like, and can exist in the form of unique identification codes for calibrating the characteristics of key components of the equipment. And when the equipment identification information obtained by self-checking is inconsistent with the equipment identification information stored in the bank system, the equipment is considered to be in an unsafe state.
The device location information may be current location information obtained by a positioning module (such as a beidou positioning module or a GPS positioning module) arranged in the accepting terminal device, or may be relative location information of the accepting terminal device and a fixed calibration object, and the device location information may exist in the form of an identification code for calibrating the device location. And when the equipment position information obtained by self-checking exceeds the range of the safe position area stored by the bank system, the equipment is considered to be in an unsafe state.
The equipment state information may include information (such as deformation state, water immersion state, etc.) about the operation of the equipment, which is collected by various sensors, and may exist in the form of identification codes including key operation of the equipment. And when the equipment state information obtained by self-checking is the same as the non-safety state identification information stored in the bank system or when the equipment state information obtained by self-checking is different from the safety state identification information stored in the bank system, the equipment is considered to be in a non-safety state.
The user can execute various transaction operations including the steps of receiving the terminal equipment; digital money payments, digital money storage, digital money transfers, and the like. After the user confirms the transaction, the acceptance terminal device can send transaction information to a bank system, and the bank system can be a background system of different commercial banks.
The bank system can judge whether the acceptance terminal is in a safe state or not according to the equipment self-checking information of the acceptance terminal equipment, and if the acceptance terminal equipment is in the safe state, the bank system can consider that the transaction is safe and carry out the transaction according to the transaction information.
In the embodiment of the invention, the acceptance terminal equipment has self-checking capability, and when the acceptance terminal equipment sends transaction information to a bank system, the acceptance terminal equipment can perform self-checking to obtain the self-checking information of the equipment, wherein the self-checking information of the equipment can comprise one or more of equipment identification information, equipment position information and equipment state information; the acceptance terminal equipment can send the equipment self-check information to the bank system, so that the bank system can carry out transaction according to the transaction information when confirming the transaction safety according to the equipment self-check information. The embodiment of the invention can ensure that each transaction between the bank system and the acceptance terminal equipment can be carried out under the condition that the acceptance terminal equipment is placed in any area and the transaction is safe, thereby reducing the stationing limit of the acceptance terminal equipment.
In an embodiment of the present invention, the step 102 may further include the following sub-steps:
and a substep S11 of converting the device self-check information into target information according to the coding format of the transaction information.
The transaction information may be generated according to a preset encoding format, which defines the length of the information and the character set used. The equipment self-checking information is converted into the target information according to the coding format of the transaction information, so that the equipment self-checking information can be disguised as the pseudo transaction information, and the difficulty of cracking the equipment self-checking information can be improved. In one example, the accepting terminal device may encrypt the device self-test information, and then convert the encrypted device self-test information into the target information according to the encoding format of the transaction information.
In an embodiment of the present invention, the sub-step S11 may further include:
substep S111, acquiring dynamic verification information and attaching to the device self-check information;
and a substep S112, converting the device self-check information and the dynamic verification information into target information according to the coding format of the transaction information, wherein the dynamic verification information is used for judging whether to perform a transaction.
Specifically, the dynamic verification information may include a transaction time stamp, a digital currency encoding segment of the current transaction, and other variable information codes. The banking system can judge whether to carry out transaction according to the dynamic verification information. For example, the dynamic verification information may include a transaction timestamp, and the banking system may confirm termination of the transaction if the banking system determines that the transaction timestamp does not match the current time. If the digital currency code segment of the current transaction does not match the digital currency code segment stored by the banking system, the banking system may confirm termination of the transaction.
In one example, the acceptance terminal device may encrypt the device self-test information and the dynamic verification information, and then convert the encrypted device self-test information and the dynamic verification information into the target information according to the encoding format of the transaction information.
And a substep S12 of sending the target information to the bank system so that the bank system obtains the equipment self-check information according to the target information, and conducting transaction according to the transaction information when the transaction safety is confirmed according to the equipment self-check information.
The bank system can analyze the target information to obtain the equipment self-checking information according to the coding format of the transaction information.
In an embodiment of the present invention, the sub-step S12 may further include: and simultaneously sending the target information and the transaction information to the banking system.
The acceptance terminal equipment can simultaneously send the target information and the transaction information to the bank system so as to improve the cracking difficulty of the transaction information and ensure that the target information and the transaction information can be safely transmitted in a low-safety channel. The bank system can receive the target information and the transaction information at the same time, distinguish the target information and the transaction information, analyze the equipment self-checking information from the target information, confirm whether the transaction is safe according to the equipment self-checking information, and carry out the transaction according to the transaction information if the transaction is safe.
Referring to fig. 2, a flowchart illustrating steps of another transaction method between an acceptance terminal device and a banking system according to an embodiment of the present invention is shown, where the method may specifically include the following steps:
In the embodiment of the invention, the acceptance terminal equipment has a self-checking function and can detect the self equipment identification information, the equipment position information and the equipment state information.
In an embodiment of the present invention, the step 201 may further include the following sub-steps:
substep S31, the banking system receives the target information sent by the acceptance terminal device; and the target information is obtained by converting the equipment self-checking information according to the coding format of the transaction information by the acceptance terminal equipment.
The transaction information may be generated according to a preset encoding format, which defines the length of the information and the character set used. The equipment self-checking information is converted into the target information according to the coding format of the transaction information, so that the equipment self-checking information can be disguised as the pseudo transaction information, and the difficulty of cracking the equipment self-checking information can be improved.
And a substep S32, analyzing the target information according to the coding format of the transaction information to obtain equipment self-checking information.
The bank system can analyze the target information to obtain the equipment self-checking information according to the coding format of the transaction information.
In one example, the accepting terminal device may encrypt the device self-test information, and then convert the encrypted device self-test information into the target information according to the encoding format of the transaction information.
The bank system can analyze the target information to obtain encrypted equipment self-checking information according to the coding format of the transaction information; and then, decrypting the encrypted equipment self-checking information to obtain the equipment self-checking information.
In an embodiment of the present invention, the step 201 may further include: and the bank system receives the transaction information and the equipment self-checking information which are simultaneously sent by the acceptance terminal equipment.
The acceptance terminal equipment can simultaneously send the target information and the transaction information to the bank system so as to improve the cracking difficulty of the transaction information and ensure that the target information and the transaction information can be safely transmitted in a low-safety channel. The bank system can receive the target information and the transaction information at the same time, distinguish the target information and the transaction information, analyze the equipment self-checking information from the target information, confirm whether the transaction is safe according to the equipment self-checking information, and carry out the transaction according to the transaction information if the transaction is safe.
And step 202, judging whether the transaction is safe or not according to the equipment self-checking information.
The bank system can judge whether the acceptance terminal is in a safe state or not according to the equipment self-checking information of the acceptance terminal equipment, and if the acceptance terminal equipment is in the safe state, the bank system can consider that the transaction is safe and carry out the transaction according to the transaction information.
The bank system may store pre-acquired device identification information of a plurality of accepting terminal devices, a safe location area range in which the accepting terminal device is located, safe state identification information, and non-safe state identification information. And if the equipment identification information obtained by the self-checking of the current acceptance terminal equipment is inconsistent with the equipment identification information stored in the bank system, the equipment is considered to be in an unsafe state. And if the equipment position information obtained by the self-checking of the current acceptance terminal equipment exceeds the safe position area range stored by the bank system, the equipment is considered to be in an unsafe state. If the equipment state information obtained by the self-checking of the current acceptance terminal equipment is the same as the non-safety state identification information stored in the bank system, or if the equipment state information obtained by the self-checking of the current acceptance terminal equipment is not the same as the safety state identification information stored in the bank system, the equipment is considered to be in the non-safety state.
In one embodiment of the present invention, the step 202 may include the following sub-steps:
a substep S41, determining whether the device self-test information matches preset information; the preset information comprises one or more of prestored equipment identification information, prestored position area range information and prestored equipment state information.
And a substep S42, determining the transaction safety if the equipment self-test information matches with the preset information.
The device self-check information may include one or more of device identification information, device location information, and device status information, each of which is required to be matched with corresponding preset information to determine transaction security. For example, if the device self-test information includes device identification information, device location information, and device status information, it is necessary that the device identification information, the device location information, and the device status information in the device self-test information are respectively matched with pre-stored device identification information, pre-stored location area range information, and pre-stored device status information to confirm security.
And a substep S43, if the device self-test information does not match the preset information, determining that the transaction is not safe.
And 203, if the transaction is safe, performing the transaction according to the transaction information.
In an embodiment of the invention, the bank system can analyze the target information to obtain the equipment self-checking information and the dynamic verification information according to the coding format of the transaction information; the bank system can judge whether the dynamic verification information meets the preset condition or not; and if the dynamic information meets the preset condition, the bank system carries out transaction according to the transaction information. And if the dynamic information does not meet the preset condition, the bank system terminates the transaction.
Specifically, the acceptance terminal device may add the dynamic verification information to the device self-check information, and convert the device self-check information and the dynamic verification information into target information according to the encoding format of the transaction information. The bank system can analyze the target information to obtain equipment self-checking information and dynamic verification information; the dynamic authentication information may include a transaction time stamp, a digital currency encoding segment of the current transaction, etc. variable information codes. The banking system can judge whether to carry out transaction according to the dynamic verification information. For example, the dynamic verification information may include a transaction timestamp, and the banking system may confirm termination of the transaction if the banking system determines that the transaction timestamp does not match the current time. If the digital currency code segment of the current transaction does not match the digital currency code segment stored by the banking system, the banking system may confirm termination of the transaction.
In the embodiment of the invention, the acceptance terminal equipment has self-checking capability, and when the acceptance terminal equipment sends transaction information to a bank system, the acceptance terminal equipment can perform self-checking to obtain the self-checking information of the equipment, wherein the self-checking information of the equipment can comprise one or more of equipment identification information, equipment position information and equipment state information; the bank system can judge whether the transaction is safe according to the equipment self-checking information; and if the transaction is safe, performing the transaction according to the transaction information. The embodiment of the invention can ensure that each transaction between the bank system and the acceptance terminal equipment can be carried out under the condition that the acceptance terminal equipment is placed in any area and the transaction is safe, thereby reducing the stationing limit of the acceptance terminal equipment.
It should be noted that, for simplicity of description, the method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present invention is not limited by the illustrated order of acts, as some steps may occur in other orders or concurrently in accordance with the embodiments of the present invention. Further, those skilled in the art will appreciate that the embodiments described in the specification are presently preferred and that no particular act is required to implement the invention.
Referring to fig. 3, a block diagram of a receiving terminal device according to an embodiment of the present invention is shown, which may specifically include the following modules:
the self-checking information acquisition module 301 is used for acquiring equipment self-checking information when transaction information is sent to a bank system; the equipment self-checking information comprises one or more of equipment identification information, equipment position information and equipment state information;
a self-check information sending module 302, configured to send the device self-check information to the banking system; and the bank system carries out transaction according to the transaction information when confirming the transaction safety according to the equipment self-checking information.
In an embodiment of the present invention, the self-test information sending module 302 may include:
the first format conversion submodule is used for converting the equipment self-checking information into target information according to the coding format of the transaction information;
and the target information sending submodule is used for sending the target information to the bank system so that the bank system obtains the equipment self-check information according to the target information and carries out transaction according to the transaction information when the transaction safety is confirmed according to the equipment self-check information.
In an embodiment of the present invention, the first format conversion sub-module may include:
and the first encryption conversion unit is used for encrypting the equipment self-test information and converting the equipment self-test information into target information according to the coding format of the transaction information.
In an embodiment of the present invention, the target information sending sub-module may include:
and the simultaneous sending unit is used for sending the target information and the transaction information to the bank system simultaneously.
In an embodiment of the present invention, the format conversion sub-module may include:
a dynamic information attachment unit for acquiring dynamic authentication information and attaching to the device self-check information;
and the second format conversion submodule is used for converting the equipment self-checking information and the dynamic verification information into target information according to the coding format of the transaction information, and the dynamic verification information is used for judging whether to carry out transaction or not.
In an embodiment of the present invention, the second format conversion sub-module may include:
and the second encryption conversion unit is used for encrypting the equipment self-checking information and the dynamic verification information and converting the equipment self-checking information and the dynamic verification information into target information according to the coding format of the transaction information.
In the embodiment of the invention, the acceptance terminal equipment has self-checking capability, and when the acceptance terminal equipment sends transaction information to a bank system, the acceptance terminal equipment can perform self-checking to obtain the self-checking information of the equipment, wherein the self-checking information of the equipment can comprise one or more of equipment identification information, equipment position information and equipment state information; the acceptance terminal equipment can send the equipment self-check information to the bank system, so that the bank system can carry out transaction according to the transaction information when confirming the transaction safety according to the equipment self-check information. The embodiment of the invention can ensure that each transaction between the bank system and the acceptance terminal equipment can be carried out under the condition that the acceptance terminal equipment is placed in any area and the transaction is safe, thereby reducing the stationing limit of the acceptance terminal equipment.
Referring to fig. 4, a block diagram of a transaction apparatus according to an embodiment of the present invention is shown, where the transaction apparatus may be applied to a banking system, and is used for performing a transaction with an acceptance terminal device, and specifically includes the following modules:
the information receiving module 401 is configured to receive transaction information and device self-check information sent by an acceptance terminal device; the device self-referral information comprises one or more of device identification information, device position information and device state information;
a transaction security judgment module 402, configured to judge whether the transaction is secure according to the device self-check information;
and the transaction module 403 is configured to perform a transaction according to the transaction information if the transaction is safe.
In an embodiment of the present invention, the transaction security judging module 402 may include:
the matching judgment sub-module is used for judging whether the equipment self-checking information is matched with preset information or not; the preset information comprises one or more of prestored equipment identification information, prestored position area range information and prestored equipment state information;
the safety confirmation sub-module is used for determining the transaction safety if the equipment self-checking information is matched with preset information;
and the unsafe confirmation submodule is used for determining that the transaction is unsafe if the equipment self-checking information is not matched with the preset information.
In an embodiment of the present invention, the information receiving module 401 may include:
the target information receiving submodule is used for receiving the target information sent by the acceptance terminal equipment; the target information is obtained by converting the equipment self-checking information according to the coding format of the transaction information by the acceptance terminal equipment;
and the analysis submodule is used for analyzing the target information according to the coding format of the transaction information to obtain equipment self-checking information.
In an embodiment of the present invention, the parsing sub-module may include:
the encrypted information analyzing unit is used for analyzing the target information according to the coding format of the transaction information to obtain encrypted equipment self-checking information;
and the information decryption unit is used for decrypting the encrypted equipment self-checking information to obtain the equipment self-checking information.
In an embodiment of the present invention, the information receiving module 401 may include:
and the receiving submodule is used for receiving the transaction information and the equipment self-check information which are simultaneously sent by the acceptance terminal equipment.
In an embodiment of the present invention, the parsing sub-module may include:
the information analysis subunit is used for analyzing the target information according to the coding format of the transaction information to obtain equipment self-checking information and dynamic verification information;
the transaction module 403 may include:
the condition judgment module is used for judging whether the dynamic verification information meets a preset condition or not;
and the transaction continuing module is used for carrying out transaction according to the transaction information if the dynamic information meets the preset condition.
In the embodiment of the invention, the acceptance terminal equipment has self-checking capability, and when the acceptance terminal equipment sends transaction information to a bank system, the acceptance terminal equipment can perform self-checking to obtain the self-checking information of the equipment, wherein the self-checking information of the equipment can comprise one or more of equipment identification information, equipment position information and equipment state information; the bank system can judge whether the transaction is safe according to the equipment self-checking information; and if the transaction is safe, performing the transaction according to the transaction information. The embodiment of the invention can ensure that each transaction between the bank system and the acceptance terminal equipment can be carried out under the condition that the acceptance terminal equipment is placed in any area and the transaction is safe, thereby reducing the stationing limit of the acceptance terminal equipment.
For the device embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, refer to the partial description of the method embodiment.
An embodiment of the present invention further provides an electronic device, including:
the transaction processing system comprises a processor, a memory and a computer program which is stored on the memory and can run on the processor, wherein when the computer program is executed by the processor, each process of the transaction processing system of the acceptance terminal device and the bank system is realized, the same technical effect can be achieved, and the process is not repeated here to avoid repetition.
The embodiment of the invention also provides a computer-readable storage medium, wherein a computer program is stored on the computer-readable storage medium, and when being executed by a processor, the computer program realizes each process of the transaction method embodiment of the acceptance terminal device and the bank system, and can achieve the same technical effect, and is not repeated here to avoid repetition.
The embodiments in the present specification are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, embodiments of the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
Embodiments of the present invention are described with reference to flowchart illustrations and/or block diagrams of methods, terminal devices (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing terminal to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing terminal, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing terminal to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing terminal to cause a series of operational steps to be performed on the computer or other programmable terminal to produce a computer implemented process such that the instructions which execute on the computer or other programmable terminal provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications of these embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the embodiments of the invention.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or terminal that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or terminal. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or terminal that comprises the element.
The transaction method of the acceptance terminal device and the bank system, the acceptance terminal device and the transaction device provided by the invention are described in detail, specific examples are applied in the text to explain the principle and the implementation mode of the invention, and the description of the above examples is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (16)
1. A transaction method of an acceptance terminal device and a bank system is characterized by comprising the following steps:
the method comprises the steps that when transaction information is sent to a bank system by an acceptance terminal device, self-checking information of the device is obtained; the equipment self-checking information comprises one or more of equipment identification information, equipment position information and equipment state information;
sending the equipment self-checking information to the bank system; and the bank system carries out transaction according to the transaction information when confirming the transaction safety according to the equipment self-checking information.
2. The method of claim 1, wherein said sending the device self-test information to the banking system comprises:
converting the equipment self-checking information into target information according to the coding format of the transaction information;
and sending the target information to the bank system so that the bank system obtains the equipment self-checking information according to the target information, and carrying out transaction according to the transaction information when confirming the transaction safety according to the equipment self-checking information.
3. The method of claim 2, wherein said converting the device self-test information into the target information according to the encoded format of the transaction information comprises:
and encrypting the equipment self-checking information and converting the equipment self-checking information into target information according to the coding format of the transaction information.
4. The method of claim 2, wherein said sending the target information to the banking system comprises:
and simultaneously sending the target information and the transaction information to the banking system.
5. The method of claim 2, wherein said converting the device self-test information into the target information according to the encoded format of the transaction information comprises:
acquiring dynamic verification information and attaching the dynamic verification information to the equipment self-checking information;
and converting the equipment self-checking information and the dynamic verification information into target information according to the coding format of the transaction information, wherein the dynamic verification information is used for judging whether to carry out transaction.
6. The method of claim 2, wherein said converting said device self-test information and said dynamic verification information into target information according to an encoded format of said transaction information comprises:
and encrypting the equipment self-checking information and the dynamic verification information and converting the equipment self-checking information and the dynamic verification information into target information according to the coding format of the transaction information.
7. A transaction method of an acceptance terminal device and a bank system is characterized by comprising the following steps:
the bank system receives transaction information and equipment self-checking information sent by the acceptance terminal equipment; the device self-referral information comprises one or more of device identification information, device position information and device state information;
judging whether the transaction is safe or not according to the equipment self-checking information;
and if the transaction is safe, performing the transaction according to the transaction information.
8. The method of claim 7, wherein determining whether the transaction is secure according to the device self-test information comprises:
judging whether the equipment self-checking information is matched with preset information or not; the preset information comprises one or more of prestored equipment identification information, prestored position area range information and prestored equipment state information;
if the equipment self-checking information is matched with preset information, determining the transaction safety;
and if the equipment self-checking information does not match with the preset information, determining that the transaction is unsafe.
9. The method of claim 7, wherein the bank system receiving the device self-check information sent by the acceptance terminal device comprises:
the bank system receives target information sent by the acceptance terminal equipment; the target information is obtained by converting the equipment self-checking information according to the coding format of the transaction information by the acceptance terminal equipment;
and analyzing the target information to obtain equipment self-checking information according to the coding format of the transaction information.
10. The method of claim 9, wherein parsing the target information to obtain device self-test information according to the encoded format of the transaction information comprises:
analyzing the target information according to the coding format of the transaction information to obtain encrypted equipment self-checking information;
and decrypting the encrypted equipment self-checking information to obtain the equipment self-checking information.
11. The method according to claim 7, wherein the bank system receives transaction information and device self-test information sent by an acceptance terminal device, and the method comprises the following steps:
and the bank system receives the transaction information and the equipment self-checking information which are simultaneously sent by the acceptance terminal equipment.
12. The method of claim 9, wherein parsing the target information to obtain device self-test information according to the encoded format of the transaction information comprises:
analyzing the target information to obtain equipment self-checking information and dynamic verification information according to the coding format of the transaction information;
the transaction according to the transaction information comprises the following steps:
judging whether the dynamic verification information meets a preset condition or not;
and if the dynamic information meets the preset condition, carrying out transaction according to the transaction information.
13. A reception terminal device, comprising:
the self-checking information acquisition module is used for acquiring equipment self-checking information when the transaction information is sent to the bank system; the equipment self-checking information comprises one or more of equipment identification information, equipment position information and equipment state information;
the self-checking information sending module is used for sending the equipment self-checking information to the bank system; and the bank system carries out transaction according to the transaction information when confirming the transaction safety according to the equipment self-checking information.
14. A transaction device is applied to a bank system and used for performing transaction with an acceptance terminal device, and the transaction device comprises:
the information receiving module is used for receiving the transaction information and the equipment self-checking information sent by the acceptance terminal equipment; the device self-referral information comprises one or more of device identification information, device position information and device state information;
the transaction safety judgment module is used for judging whether the transaction is safe or not according to the equipment self-checking information;
and the transaction module is used for carrying out transaction according to the transaction information if the transaction is safe.
15. An electronic device, comprising: a processor, a memory and a computer program stored on the memory and operable on the processor, the computer program, when executed by the processor, implementing the steps of the transaction method of an acceptance terminal device and a banking system as claimed in any one of claims 1-6 or 7-12.
16. A computer-readable storage medium, on which a computer program is stored, which, when executed by a processor, carries out the steps of the transaction method of an acceptance terminal device and a banking system as claimed in any one of claims 1 to 6 or 7 to 12.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110322619.4A CN113450511A (en) | 2021-03-25 | 2021-03-25 | Transaction method of acceptance terminal equipment and bank system and acceptance terminal equipment |
| CN202111608507.1A CN115131922B (en) | 2021-03-25 | 2021-12-22 | Reception terminal device, transaction method and transaction device for reception terminal device and bank system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110322619.4A CN113450511A (en) | 2021-03-25 | 2021-03-25 | Transaction method of acceptance terminal equipment and bank system and acceptance terminal equipment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN113450511A true CN113450511A (en) | 2021-09-28 |
Family
ID=77809509
Family Applications (2)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202110322619.4A Pending CN113450511A (en) | 2021-03-25 | 2021-03-25 | Transaction method of acceptance terminal equipment and bank system and acceptance terminal equipment |
| CN202111608507.1A Active CN115131922B (en) | 2021-03-25 | 2021-12-22 | Reception terminal device, transaction method and transaction device for reception terminal device and bank system |
Family Applications After (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202111608507.1A Active CN115131922B (en) | 2021-03-25 | 2021-12-22 | Reception terminal device, transaction method and transaction device for reception terminal device and bank system |
Country Status (1)
| Country | Link |
|---|---|
| CN (2) | CN113450511A (en) |
Family Cites Families (14)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101373528B (en) * | 2007-08-21 | 2014-04-02 | 联想(北京)有限公司 | Electronic payment system, device and method based on position authentication |
| CN101872454A (en) * | 2010-06-18 | 2010-10-27 | 杨彬 | Sales terminal transaction processing method, equipment and mobile terminal transaction processing method |
| US8831677B2 (en) * | 2010-11-17 | 2014-09-09 | Antony-Euclid C. Villa-Real | Customer-controlled instant-response anti-fraud/anti-identity theft devices (with true-personal identity verification), method and systems for secured global applications in personal/business e-banking, e-commerce, e-medical/health insurance checker, e-education/research/invention, e-disaster advisor, e-immigration, e-airport/aircraft security, e-military/e-law enforcement, with or without NFC component and system, with cellular/satellite phone/internet/multi-media functions |
| CN102930470A (en) * | 2012-09-18 | 2013-02-13 | 深圳一卡通新技术有限公司 | Mobile phone position based bank card transaction safety pre-warning method |
| CN103729942B (en) * | 2013-03-15 | 2016-01-13 | 福建联迪商用设备有限公司 | Transmission security key is transferred to the method and system of key server from terminal server |
| WO2014181895A1 (en) * | 2013-05-06 | 2014-11-13 | 인터월드 코리아 | Apparatus and method for double security and recording |
| CN103606081A (en) * | 2013-10-13 | 2014-02-26 | 杨筑平 | Transaction protection method, transaction accepting device and transaction submitting device |
| WO2015188728A1 (en) * | 2014-06-10 | 2015-12-17 | 北京奇虎科技有限公司 | Mobile payment security protection method, apparatus and cloud server |
| CN104537562A (en) * | 2015-01-12 | 2015-04-22 | 广州广电运通金融电子股份有限公司 | Financial self-service system processing method |
| CN105631659A (en) * | 2015-04-02 | 2016-06-01 | 深圳酷派技术有限公司 | Payment request processing method, payment request processing device and terminal |
| CN105550866B (en) * | 2015-05-30 | 2020-05-19 | 宇龙计算机通信科技(深圳)有限公司 | Safety control method and device |
| CN105956843A (en) * | 2015-12-04 | 2016-09-21 | 中国银联股份有限公司 | POS transaction processing method and system |
| CN105761059A (en) * | 2016-02-03 | 2016-07-13 | 宁波大学 | Mobile wallet payment method based on NFC |
| SG11201900748QA (en) * | 2016-09-04 | 2019-03-28 | Mastercard International Inc | Method and system for cardless atm transaction via mobile device |
-
2021
- 2021-03-25 CN CN202110322619.4A patent/CN113450511A/en active Pending
- 2021-12-22 CN CN202111608507.1A patent/CN115131922B/en active Active
Also Published As
| Publication number | Publication date |
|---|---|
| CN115131922A (en) | 2022-09-30 |
| CN115131922B (en) | 2024-05-28 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN105590199B (en) | Payment method and payment system based on dynamic two-dimensional code | |
| CN109345214B (en) | Payment method and system of digital currency wallet system and related components | |
| US20140129450A1 (en) | Secure payment method and system | |
| US11463257B2 (en) | Biometric sensor on portable device | |
| US11432155B2 (en) | Method and system for relay attack detection | |
| US9219609B2 (en) | Method and system for multiple passcode generation | |
| CN113015992B (en) | Cloud token provisioning of multiple tokens | |
| WO2014087381A1 (en) | A token generating component | |
| CN103942897A (en) | Method for money withdrawing without card on ATM | |
| KR101550825B1 (en) | Method for credit card payment using mobile | |
| CN113822664B (en) | Method, device, system, terminal, server and medium for opening offline payment | |
| CN112187805B (en) | Escort encryption method and device, electronic equipment and computer storage medium | |
| GB2609878A (en) | Systems and methods for centralized authentication of financial transactions | |
| CN105654377B (en) | Cardless withdrawal method, related device and system | |
| CN115131922B (en) | Reception terminal device, transaction method and transaction device for reception terminal device and bank system | |
| US9450765B2 (en) | System and method capable of verifying contactless sensor tag | |
| CN105654376B (en) | Cardless withdrawal method, related device and system | |
| EP3528154B1 (en) | Systems and methods for authentication code entry using mobile electronic devices | |
| KR20090132818A (en) | Double security system using usb token finger print | |
| TWM512772U (en) | Transaction device and transaction security system with authentication using personal device | |
| US11087580B2 (en) | Systems and methods for securing contactless cards from unauthorized payments | |
| US20160180342A1 (en) | Preemptive credit and debit card fraud protection system | |
| US20230169596A1 (en) | Systems and techniques for authenticating insurance claims | |
| CN117272282A (en) | Transaction password generation method and device, electronic equipment and storage medium | |
| CN116781276A (en) | Financial business processing method and device, storage medium and electronic equipment |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20210928 |
|
| WD01 | Invention patent application deemed withdrawn after publication |