CN113487329A - Bank terminal transaction system and method based on block chain - Google Patents
Bank terminal transaction system and method based on block chain Download PDFInfo
- Publication number
- CN113487329A CN113487329A CN202110851598.5A CN202110851598A CN113487329A CN 113487329 A CN113487329 A CN 113487329A CN 202110851598 A CN202110851598 A CN 202110851598A CN 113487329 A CN113487329 A CN 113487329A
- Authority
- CN
- China
- Prior art keywords
- bank
- transaction
- terminal
- transaction processing
- mobile phone
- 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
- 238000000034 method Methods 0.000 title claims abstract description 42
- 238000012545 processing Methods 0.000 claims abstract description 193
- 238000004891 communication Methods 0.000 claims abstract description 29
- 230000008569 process Effects 0.000 claims abstract description 11
- 238000004590 computer program Methods 0.000 claims description 18
- 230000007246 mechanism Effects 0.000 claims description 12
- 238000012550 audit Methods 0.000 claims description 11
- 238000012502 risk assessment Methods 0.000 claims description 10
- 238000012795 verification Methods 0.000 claims description 10
- 238000010586 diagram Methods 0.000 description 14
- 230000006870 function Effects 0.000 description 8
- 230000005540 biological transmission Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 238000012549 training Methods 0.000 description 2
- 238000013528 artificial neural network Methods 0.000 description 1
- 238000006243 chemical reaction Methods 0.000 description 1
- 238000001514 detection method Methods 0.000 description 1
- 238000011156 evaluation Methods 0.000 description 1
- 238000000605 extraction Methods 0.000 description 1
- 238000007726 management method Methods 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
Images
Classifications
-
- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- 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
- G06Q20/3825—Use of electronic signatures
-
- 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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a bank terminal transaction system and a method based on a block chain, which can be used in the technical field of the block chain, and the system comprises: the mobile banking machine is used for: updating account information of the mobile phone bank according to the transaction processing result; a bank terminal for: after establishing communication connection with a mobile phone bank, acquiring customer information; judging whether the transaction request is in a transaction processing range, and receiving operation selection of a customer; sending the transaction request to a bank server, receiving and displaying a transaction processing result; after receiving the transaction processing command, processing the transaction request, generating and displaying a transaction processing result; a bank server to: auditing the client information; the execution unit judges the transaction request, and processes the transaction request when the execution unit is a bank server; and when the execution unit is a bank terminal, sending a transaction processing command to the bank terminal. The invention can realize transaction based on the bank terminal under the condition that the mobile phone bank has no network.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a bank terminal transaction system and a bank terminal transaction method based on a block chain.
Background
At present, when a customer uses a mobile phone to carry out bank transaction, the mobile phone is required to have a network so that a mobile phone bank can interact with a server of the bank to complete information transmission, identity verification and the like. When the mobile phone of the customer has no network, the transaction service of the bank can not be used.
Disclosure of Invention
The embodiment of the invention provides a bank terminal transaction system based on a block chain, which is used for realizing transaction based on a bank terminal under the condition that a mobile banking network does not exist, and comprises the following components: the system comprises a mobile phone bank, a bank terminal and a bank server, wherein the mobile phone bank is in a disconnected state and is in communication connection with the bank terminal;
the mobile banking machine is used for: sending a transaction request to a bank terminal; receiving and displaying a transaction processing result; updating account information of the mobile phone bank according to the transaction processing result;
a bank terminal for: after establishing communication connection with a mobile phone bank, acquiring customer information in the mobile phone bank and uploading the customer information to a bank server; after receiving the result of the verification, receiving a transaction request sent by a customer through a mobile phone bank, judging whether the transaction request is in the transaction processing range of the bank terminal, if so, generating prompt information for judging whether to operate the bank terminal, and receiving operation selection of the customer; if the operation of the customer selects to operate the bank terminal, the transaction request is transferred to the bank terminal for displaying; sending the transaction request to a bank server, receiving and displaying a transaction processing result returned by the bank server, and sending the transaction processing result to a mobile phone bank; after receiving a transaction processing command, processing the transaction request, generating and displaying a transaction processing result, and sending the transaction processing result to a mobile phone bank and a bank server;
a bank server to: auditing the client information, and sending an auditing result to the bank terminal after the auditing is passed; after receiving a transaction request, judging an execution unit of the transaction request, processing the transaction request when the execution unit is a bank server, generating a transaction processing result and sending the transaction processing result to a bank terminal; and when the execution unit is a bank terminal, sending a transaction processing command to the bank terminal.
The embodiment of the invention provides a bank terminal transaction method based on a block chain, which is used for realizing transaction based on a bank terminal under the condition that a mobile banking network does not exist, and comprises the following steps:
after establishing communication connection with a mobile phone bank in a disconnected state, acquiring customer information in the mobile phone bank and uploading the customer information to a bank server;
after receiving the result of the verification, receiving a transaction request sent by a customer through a mobile phone bank, judging whether the transaction request is in the transaction processing range of the bank terminal, and if so, generating prompt information for judging whether to operate the bank terminal; the result of the audit is obtained after the bank server audits the client information;
receiving operation selection of a client; if the operation of the customer selects to operate the bank terminal, the transaction request is transferred to the bank terminal for displaying;
sending the transaction request to a bank server, receiving and displaying a transaction processing result returned by the bank server, and sending the transaction processing result to a mobile phone bank; the transaction processing result returned by the bank server is generated after the bank server processes the transaction request when the bank server determines that the execution unit is the bank server;
after receiving a transaction processing command, processing the transaction request, generating and displaying a transaction processing result, and sending the transaction processing result to a mobile phone bank and a bank server; the transaction processing command is sent to the bank terminal by the bank server when the execution unit is the bank terminal; and the mobile phone bank updates the account information of the mobile phone bank according to the transaction processing result.
The embodiment of the invention also provides another bank terminal transaction method based on the block chain, which is used for realizing transaction based on the bank terminal under the condition that a mobile banking network does not exist, and comprises the following steps:
auditing the client information, and sending an auditing result to the bank terminal after the auditing is passed; the client information is obtained from the mobile phone bank after the bank terminal establishes communication connection with the mobile phone bank in the disconnected state;
after receiving a transaction request, judging an execution unit of the transaction request, processing the transaction request when the execution unit is a bank server, generating a transaction processing result and sending the transaction processing result to a bank terminal; the bank terminal receives and displays a transaction processing result returned by the bank server, and simultaneously sends the transaction processing result to the mobile phone bank;
when the execution unit is a bank terminal, a transaction processing command is sent to the bank terminal; after receiving the transaction processing command, the bank terminal processes the transaction request, generates and displays a transaction processing result, and simultaneously sends the transaction processing result to a mobile phone bank and a bank server; and the mobile phone bank updates the account information of the mobile phone bank according to the transaction processing result.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the bank terminal transaction method based on the block chain when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the banking terminal transaction method based on the block chain.
In the embodiment of the invention, the mobile phone bank is in a disconnected state and establishes communication connection with the bank terminal; the mobile banking machine is used for: sending a transaction request to a bank terminal; receiving and displaying a transaction processing result; updating account information of the mobile phone bank according to the transaction processing result; a bank terminal for: after establishing communication connection with a mobile phone bank, acquiring customer information in the mobile phone bank and uploading the customer information to a bank server; after receiving the result of the verification, receiving a transaction request sent by a customer through a mobile phone bank, judging whether the transaction request is in the transaction processing range of the bank terminal, if so, generating prompt information for judging whether to operate the bank terminal, and receiving operation selection of the customer; if the operation of the customer selects to operate the bank terminal, the transaction request is transferred to the bank terminal for displaying; sending the transaction request to a bank server, receiving and displaying a transaction processing result returned by the bank server, and sending the transaction processing result to a mobile phone bank; after receiving a transaction processing command, processing the transaction request, generating and displaying a transaction processing result, and sending the transaction processing result to a mobile phone bank and a bank server; a bank server to: auditing the client information, and sending an auditing result to the bank terminal after the auditing is passed; after receiving a transaction request, judging an execution unit of the transaction request, processing the transaction request when the execution unit is a bank server, generating a transaction processing result and sending the transaction processing result to a bank terminal; and when the execution unit is a bank terminal, sending a transaction processing command to the bank terminal. In the process, the mobile phone bank and the bank terminal can be communicated when the mobile phone bank has no network, a customer does not carry a physical bank card, and the bank terminal cannot identify, and the safety is high.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a schematic diagram of a banking terminal transaction system based on a block chain in an embodiment of the present invention;
FIG. 2 is another schematic diagram of a banking terminal transaction system based on a blockchain according to an embodiment of the present invention;
FIG. 3 is a flow chart of a banking terminal transaction method based on a block chain according to an embodiment of the present invention;
FIG. 4 is a flow chart illustrating a process of a payee of a customer in accordance with an embodiment of the invention;
FIG. 5 is a diagram of a computer device in an embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.
Fig. 1 is a schematic diagram of a banking terminal transaction system based on a block chain in an embodiment of the present invention, as shown in fig. 1, the system includes:
the system comprises a mobile phone bank 101, a bank terminal 102 and a bank server 103, wherein the mobile phone bank 101 is in a disconnected state and is in communication connection with the bank terminal 102;
a cell phone bank 101 for: sending a transaction request to a bank terminal; receiving and displaying a transaction processing result; updating account information of the mobile phone bank according to the transaction processing result;
a banking terminal 102 configured to: after establishing communication connection with a mobile phone bank, acquiring customer information in the mobile phone bank and uploading the customer information to a bank server; after receiving the result of the verification, receiving a transaction request sent by a customer through a mobile phone bank, judging whether the transaction request is in the transaction processing range of the bank terminal, if so, generating prompt information for judging whether to operate the bank terminal, and receiving operation selection of the customer; if the operation of the customer selects to operate the bank terminal, the transaction request is transferred to the bank terminal for displaying; sending the transaction request to a bank server, receiving and displaying a transaction processing result returned by the bank server, and sending the transaction processing result to a mobile phone bank; after receiving a transaction processing command, processing the transaction request, generating and displaying a transaction processing result, and sending the transaction processing result to a mobile phone bank and a bank server;
a bank server 103 for: auditing the client information, and sending an auditing result to the bank terminal after the auditing is passed; after receiving a transaction request, judging an execution unit of the transaction request, processing the transaction request when the execution unit is a bank server, generating a transaction processing result and sending the transaction processing result to a bank terminal; and when the execution unit is a bank terminal, sending a transaction processing command to the bank terminal.
In the embodiment, the mobile phone bank and the bank terminal can be communicated when the mobile phone bank has no network, a customer does not carry a physical bank card, and the bank terminal cannot identify, and the security is high.
In a specific implementation, the block chain has a plurality of bank end nodes, for example, each ATM can join the block chain to form a bank end node.
In particular, the customer information includes a customer account, customer identity information, and an institution where the account is located. In addition, in an embodiment, when the bank server 103 performs the audit on the client information, if the face information needs to be acquired, the bank terminal is controlled to start the face recognition function, the face information of the client is acquired, and the face information is compared with the client information stored in the bank server to implement the audit. The intelligent terminal of the bank obtains the face, but not the mobile phone of the customer obtains the face, mainly considering the transaction risk, the intelligent terminal belongs to the bank, and the risk is relatively smaller.
The bank server 103 determines the execution unit of the transaction request because the functions of the mobile phone bank and the bank terminal are different from each other, some functions such as cash transaction can only be performed on the bank terminal, some transactions such as account management can only be completed on the mobile phone bank at present, and some functions such as purchasing financing can be completed on the mobile phone bank and the bank terminal.
Fig. 2 is a schematic diagram of a banking terminal transaction system based on a block chain in an embodiment of the present invention, in which the banking server is further configured to: when the mechanism where the customer account is located and the mechanism where the bank terminal is located are judged not to be the same mechanism and the execution unit is the bank server, an encryption processing notification is sent to the bank terminal; after receiving the transaction request, decrypting the transaction request based on the agreed secret key; after a transaction processing result is generated, encrypting the transaction processing result based on an agreed secret key;
the bank terminal is also used for: sending the received encryption processing notification to a mobile phone bank;
cell phone banking is also used to: after receiving the encryption processing notification, encrypting the transaction request based on the agreed secret key, and sending the encrypted transaction request to the bank terminal; after receiving the transaction processing result, the transaction processing result is decrypted based on the agreed secret key.
In one embodiment, the bank server is further configured to: when the mechanism where the customer account is located and the mechanism where the bank terminal is located are judged not to be the same mechanism and the execution unit is the bank terminal, sending a block chain processing notification to the bank terminal;
the bank terminal is also used for: after receiving a block chain processing notification and a transaction processing command, performing risk assessment on the transaction request based on customer information in a block chain, processing the transaction request, generating and displaying a transaction processing result, and sending the transaction processing result to a mobile phone bank; and uploading the transaction processing result to a block chain.
In one embodiment, the cell phone bank is further configured to: acquiring a first transaction processing range provided for a customer by a mobile phone bank and sending the first transaction processing range to a bank terminal; upon receiving the second range difference, presenting transactions within the second range difference;
the bank terminal is also used for: acquiring a second transaction processing range provided by the bank terminal to the customer; determining a first range difference and a second range difference according to the second transaction processing range and the received first transaction processing range; transactions within the first range difference are transactions within the first transaction processing range but not within the second transaction processing range; transactions within the second range difference are transactions within the second transaction processing range but not within the first transaction processing range; sending the second range difference to a mobile phone bank; transactions within a first range difference are shown.
In one embodiment, the bank server is further configured to: after the customer information is checked, sending the account set supporting the customer to withdraw money and the maximum withdrawal amount supported by each account in the account set to a block chain;
the bank terminal is also used for: acquiring an account set supporting customer withdrawal and a maximum withdrawal amount supported by each account in the account set through a blockchain; when the transaction request is a withdrawal transaction request, judging whether an account in the withdrawal transaction request is in the account set or not and whether the withdrawal amount in the withdrawal transaction request does not exceed the maximum withdrawal amount supported by the account or not, and if so, processing the withdrawal transaction request; and sending the withdrawal transaction processing result to a bank server.
In one embodiment, the cell phone bank is further configured to: when the transaction request is a withdrawal transaction request, signing the withdrawal amount and the customer account information in the withdrawal transaction request by adopting a private key of a withdrawal person;
the bank terminal is also used for: decrypting the withdrawal amount and the customer account by using a public key of a payee, and processing the withdrawal transaction request when an account in the withdrawal transaction request is in the account set and the withdrawal amount in the withdrawal transaction request does not exceed the maximum withdrawal amount supported by the account; and sends the withdrawal request with signature and the withdrawal transaction processing result of the customer to the blockchain and the bank server.
In the embodiment, the customer is allowed to send the self withdrawal information to the payee, so that the payee withdraws money, and the flexibility of the withdrawal mode is increased.
In one case, a banking terminal transaction system based on a block chain may be configured on each banking terminal node, so that the banking terminal transaction system based on the block chain is connected to the banking terminal node. In another case, the banking terminal transaction system based on the block chain may also interface a plurality of banking terminal nodes.
In one embodiment, the step of performing risk assessment by the bank terminal includes:
and obtaining the client transaction information and the client transaction limiting conditions from the block chain, and performing risk assessment on the transaction.
In one embodiment, the bank server is further configured to:
when the audit result is audit failure, sending audit failure prompt information to the mobile phone bank through the bank terminal;
and when the risk evaluation result shows that the risk is lower than the risk threshold value, sending transaction limiting prompt information to the mobile phone bank through the bank terminal.
The auditing failure prompt information and the transaction limiting prompt information can be displayed to the customer for watching through a screen of the bank terminal and a screen of the mobile phone bank.
In the embodiment of the invention, when the mobile phone bank and the bank terminal establish communication, the mobile phone bank and the bank terminal are required to be provided with communication modules through the NFC equipment, the D2D (Device to Device) communication model and the like, so that the communication can be realized.
In the above scenario, when the mobile banking is disconnected, the mobile banking terminal can communicate with the banking terminal through the communication model, so as to complete business processing, including withdrawing money, inquiring balance, transferring accounts and the like.
In one embodiment, the bank server performs the client identity verification by using at least one of the following methods based on the client information: a face recognition method, a fingerprint recognition method and a voice recognition method.
Of course, it is understood that there may be other auditing methods, and all the relevant modifications are intended to fall within the scope of the present invention.
In one embodiment, the customer transaction information includes one or any combination of transaction account, transaction time, transaction amount, transaction times and password input times; the customer transaction limits include a transaction limit amount and a transaction limit currency.
In the above embodiment, the customer transaction information is based on a large number of transaction statistics of the customer, and may be used to evaluate the risk of the transaction. The transaction limit amount may be determined by:
calculating the product of the sum of the total cash of the customer and the extraction proportion coefficient under the condition of determining no network scene;
determining a minimum withdrawal amount (e.g., 100);
the transaction limit amount is the maximum of the product and the minimum withdrawal amount.
The above-mentioned withdrawal scaling factor and the minimum withdrawal amount may be stored in the block chain in advance, and are set by the bank according to the credit, fund, actual transaction condition of the customer at the corresponding banking institution and the parameters set by the customer.
In one embodiment, during risk assessment, customer transaction information and customer transaction limiting conditions are input into a pre-trained risk assessment model to obtain a risk assessment result, wherein the pre-trained risk assessment model is trained by taking the customer transaction information and the customer transaction limiting conditions of a plurality of customers as input and taking the risk assessment result as output.
In the above embodiments, there are various methods for model training, such as a neural network training method, and the like, which are not limited herein. The risk includes the risk of theft of the customer account, such as the risk caused by the fact that the mobile phone of the customer is stolen by people; for example, in the case that someone knows a partial password, there is a risk caused by trying to break the password of the client, and so on. The risk assessment result can be the probability of risk occurrence, a risk threshold value is determined according to the big data, and whether to continue the withdrawal transaction is judged by judging whether the probability of risk occurrence exceeds the risk threshold value.
In one embodiment, the transaction processing module is specifically configured to:
when the currency in the client account is inconsistent with the currency to be taken, acquiring exchange rate information on the block chain, and performing exchange rate conversion to obtain the cash amount corresponding to the converted currency;
and processing the customer transaction based on the cash amount corresponding to the converted currency to obtain a transaction result.
In summary, in the system provided in the embodiment of the present invention, the mobile banking station is in a disconnected state, and establishes a communication connection with the banking terminal; the mobile banking machine is used for: sending a transaction request to a bank terminal; receiving and displaying a transaction processing result; updating account information of the mobile phone bank according to the transaction processing result; a bank terminal for: after establishing communication connection with a mobile phone bank, acquiring customer information in the mobile phone bank and uploading the customer information to a bank server; after receiving the result of the verification, receiving a transaction request sent by a customer through a mobile phone bank, judging whether the transaction request is in the transaction processing range of the bank terminal, if so, generating prompt information for judging whether to operate the bank terminal, and receiving operation selection of the customer; if the operation of the customer selects to operate the bank terminal, the transaction request is transferred to the bank terminal for displaying; sending the transaction request to a bank server, receiving and displaying a transaction processing result returned by the bank server, and sending the transaction processing result to a mobile phone bank; after receiving a transaction processing command, processing the transaction request, generating and displaying a transaction processing result, and sending the transaction processing result to a mobile phone bank and a bank server; a bank server to: auditing the client information, and sending an auditing result to the bank terminal after the auditing is passed; after receiving a transaction request, judging an execution unit of the transaction request, processing the transaction request when the execution unit is a bank server, generating a transaction processing result and sending the transaction processing result to a bank terminal; and when the execution unit is a bank terminal, sending a transaction processing command to the bank terminal. In the process, the mobile phone bank and the bank terminal can be communicated when the mobile phone bank has no network, a customer does not carry a physical bank card, and the bank terminal cannot identify, and the safety is high.
The embodiment of the invention also provides a bank terminal transaction method based on the block chain, the principle of which is similar to that of a bank terminal transaction system based on the block chain, and the detailed description is omitted here.
Fig. 3 is a flowchart of a banking terminal transaction method based on a block chain in an embodiment of the present invention, as shown in fig. 3, including:
In summary, in the method provided in the embodiment of the present invention, when the mobile banking has no network and the customer does not carry the physical bank card, and the bank terminal cannot perform identity recognition, the mobile banking and the bank terminal can communicate with each other, and the security is high.
Fig. 4 is a flowchart of another banking terminal transaction method based on a blockchain in an embodiment of the present invention, as shown in fig. 4, including:
In summary, in the method provided in the embodiment of the present invention, when the mobile banking has no network and the customer does not carry the physical bank card, and the bank terminal cannot perform identity recognition, the mobile banking and the bank terminal can communicate with each other, and the security is high.
An embodiment of the present invention further provides a computer device, and fig. 5 is a schematic diagram of the computer device in the embodiment of the present invention, where the computer device is capable of implementing all steps in the method for withdrawing money from a bank terminal based on a block chain in the embodiment, and the computer device specifically includes the following contents:
a processor (processor)501, a memory (memory)502, a communication Interface (Communications Interface)503, and a communication bus 504;
the processor 501, the memory 502 and the communication interface 503 complete mutual communication through the communication bus 504; the communication interface 503 is used for implementing information transmission between related devices such as server-side devices, detection devices, and user-side devices;
the processor 501 is configured to call a computer program in the memory 502, and when the processor executes the computer program, the processor implements all the steps in the block chain based bank terminal withdrawal method in the above embodiments.
An embodiment of the present invention further provides a computer-readable storage medium, which is capable of implementing all steps in the method for withdrawing money through a bank terminal based on a block chain in the foregoing embodiment, where the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the computer program implements all steps of the method for withdrawing money through a bank terminal based on a block chain in the foregoing embodiment.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, 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, 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.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (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 apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, 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 apparatus 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 apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (10)
1. A bank terminal transaction system based on a block chain is characterized by comprising: the system comprises a mobile phone bank, a bank terminal and a bank server, wherein the mobile phone bank is in a disconnected state and is in communication connection with the bank terminal;
the mobile banking machine is used for: sending a transaction request to a bank terminal; receiving and displaying a transaction processing result; updating account information of the mobile phone bank according to the transaction processing result;
a bank terminal for: after establishing communication connection with a mobile phone bank, acquiring customer information in the mobile phone bank and uploading the customer information to a bank server; after receiving the result of the verification, receiving a transaction request sent by a customer through a mobile phone bank, judging whether the transaction request is in the transaction processing range of the bank terminal, if so, generating prompt information for judging whether to operate the bank terminal, and receiving operation selection of the customer; if the operation of the customer selects to operate the bank terminal, the transaction request is transferred to the bank terminal for displaying; sending the transaction request to a bank server, receiving and displaying a transaction processing result returned by the bank server, and sending the transaction processing result to a mobile phone bank; after receiving a transaction processing command, processing the transaction request, generating and displaying a transaction processing result, and sending the transaction processing result to a mobile phone bank and a bank server;
a bank server to: auditing the client information, and sending an auditing result to the bank terminal after the auditing is passed; after receiving a transaction request, judging an execution unit of the transaction request, processing the transaction request when the execution unit is a bank server, generating a transaction processing result and sending the transaction processing result to a bank terminal; and when the execution unit is a bank terminal, sending a transaction processing command to the bank terminal.
2. The blockchain-based banking terminal transaction system according to claim 1, wherein the banking server is further configured to: when the mechanism where the customer account is located and the mechanism where the bank terminal is located are judged not to be the same mechanism and the execution unit is the bank server, an encryption processing notification is sent to the bank terminal; after receiving the transaction request, decrypting the transaction request based on the agreed secret key; after a transaction processing result is generated, encrypting the transaction processing result based on an agreed secret key;
the bank terminal is also used for: sending the received encryption processing notification to a mobile phone bank;
cell phone banking is also used to: after receiving the encryption processing notification, encrypting the transaction request based on the agreed secret key, and sending the encrypted transaction request to the bank terminal; after receiving the transaction processing result, the transaction processing result is decrypted based on the agreed secret key.
3. The blockchain-based banking terminal transaction system according to claim 1, wherein the banking server is further configured to: when the mechanism where the customer account is located and the mechanism where the bank terminal is located are judged not to be the same mechanism and the execution unit is the bank terminal, sending a block chain processing notification to the bank terminal;
the bank terminal is also used for: after receiving a block chain processing notification and a transaction processing command, performing risk assessment on the transaction request based on customer information in a block chain, processing the transaction request, generating and displaying a transaction processing result, and sending the transaction processing result to a mobile phone bank; and uploading the transaction processing result to a block chain.
4. The blockchain-based banking terminal transaction system of claim 1 wherein the cell phone bank is further configured to: acquiring a first transaction processing range provided for a customer by a mobile phone bank and sending the first transaction processing range to a bank terminal; upon receiving the second range difference, presenting transactions within the second range difference;
the bank terminal is also used for: acquiring a second transaction processing range provided by the bank terminal to the customer; determining a first range difference and a second range difference according to the second transaction processing range and the received first transaction processing range; transactions within the first range difference are transactions within the first transaction processing range but not within the second transaction processing range; transactions within the second range difference are transactions within the second transaction processing range but not within the first transaction processing range; sending the second range difference to a mobile phone bank; transactions within a first range difference are shown.
5. The blockchain-based banking terminal transaction system according to claim 1, wherein the banking server is further configured to: after the customer information is checked, sending the account set supporting the customer to withdraw money and the maximum withdrawal amount supported by each account in the account set to a block chain;
the bank terminal is also used for: acquiring an account set supporting customer withdrawal and a maximum withdrawal amount supported by each account in the account set through a blockchain; when the transaction request is a withdrawal transaction request, judging whether an account in the withdrawal transaction request is in the account set or not and whether the withdrawal amount in the withdrawal transaction request does not exceed the maximum withdrawal amount supported by the account or not, and if so, processing the withdrawal transaction request; and sending the withdrawal transaction processing result to the block chain and the bank server.
6. The blockchain-based banking terminal transaction system according to claim 5, wherein the cell phone bank is further configured to: when the transaction request is a withdrawal transaction request, signing the withdrawal amount and the customer account information in the withdrawal transaction request by adopting a private key of a withdrawal person;
the bank terminal is also used for: decrypting the withdrawal amount and the customer account by using a public key of a payee, and processing the withdrawal transaction request when an account in the withdrawal transaction request is in the account set and the withdrawal amount in the withdrawal transaction request does not exceed the maximum withdrawal amount supported by the account; and sends the withdrawal request with signature and the withdrawal transaction processing result of the customer to the blockchain and the bank server.
7. A bank terminal transaction method based on a block chain is characterized by comprising the following steps:
after establishing communication connection with a mobile phone bank in a disconnected state, acquiring customer information in the mobile phone bank and uploading the customer information to a bank server;
after receiving the result of the verification, receiving a transaction request sent by a customer through a mobile phone bank, judging whether the transaction request is in the transaction processing range of the bank terminal, and if so, generating prompt information for judging whether to operate the bank terminal; the result of the audit is obtained after the bank server audits the client information;
receiving operation selection of a customer, and if the operation selection of the customer is to operate a bank terminal, transferring the transaction request to the bank terminal for displaying;
sending the transaction request to a bank server, receiving and displaying a transaction processing result returned by the bank server, and sending the transaction processing result to a mobile phone bank; the transaction processing result returned by the bank server is generated after the bank server processes the transaction request when the bank server determines that the execution unit is the bank server;
after receiving a transaction processing command, processing the transaction request, generating and displaying a transaction processing result, and sending the transaction processing result to a mobile phone bank and a bank server; the transaction processing command is sent to the bank terminal by the bank server when the execution unit is the bank terminal; and the mobile phone bank updates the account information of the mobile phone bank according to the transaction processing result.
8. A bank terminal transaction method based on a block chain is characterized by comprising the following steps:
auditing the client information, and sending an auditing result to the bank terminal after the auditing is passed; the client information is obtained from the mobile phone bank after the bank terminal establishes communication connection with the mobile phone bank in the disconnected state;
after receiving a transaction request, judging an execution unit of the transaction request, processing the transaction request when the execution unit is a bank server, generating a transaction processing result and sending the transaction processing result to a bank terminal; the bank terminal receives and displays a transaction processing result returned by the bank server, and simultaneously sends the transaction processing result to the mobile phone bank;
when the execution unit is a bank terminal, a transaction processing command is sent to the bank terminal; after receiving the transaction processing command, the bank terminal processes the transaction request, generates and displays a transaction processing result, and simultaneously sends the transaction processing result to a mobile phone bank and a bank server; and the mobile phone bank updates the account information of the mobile phone bank according to the transaction processing result.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 7 to 8 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 7 to 8.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CN202110851598.5A CN113487329A (en) | 2021-07-27 | 2021-07-27 | Bank terminal transaction system and method based on block chain |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CN202110851598.5A CN113487329A (en) | 2021-07-27 | 2021-07-27 | Bank terminal transaction system and method based on block chain |
Publications (1)
Publication Number | Publication Date |
---|---|
CN113487329A true CN113487329A (en) | 2021-10-08 |
Family
ID=77944159
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CN202110851598.5A Pending CN113487329A (en) | 2021-07-27 | 2021-07-27 | Bank terminal transaction system and method based on block chain |
Country Status (1)
Country | Link |
---|---|
CN (1) | CN113487329A (en) |
Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN1595460A (en) * | 2003-09-08 | 2005-03-16 | 程敏夫 | A system and method for finishing bank transactions via local area wireless network |
CN106454782A (en) * | 2016-11-29 | 2017-02-22 | 中国工商银行股份有限公司 | Mobile banking access method, terminal and system |
CN106991767A (en) * | 2016-01-21 | 2017-07-28 | 廖思军 | A kind of ATM control methods and device |
CN108711085A (en) * | 2018-05-09 | 2018-10-26 | 平安普惠企业管理有限公司 | A kind of response method and its equipment of transaction request |
-
2021
- 2021-07-27 CN CN202110851598.5A patent/CN113487329A/en active Pending
Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN1595460A (en) * | 2003-09-08 | 2005-03-16 | 程敏夫 | A system and method for finishing bank transactions via local area wireless network |
CN106991767A (en) * | 2016-01-21 | 2017-07-28 | 廖思军 | A kind of ATM control methods and device |
CN106454782A (en) * | 2016-11-29 | 2017-02-22 | 中国工商银行股份有限公司 | Mobile banking access method, terminal and system |
CN108711085A (en) * | 2018-05-09 | 2018-10-26 | 平安普惠企业管理有限公司 | A kind of response method and its equipment of transaction request |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
EP3374953B1 (en) | Server based biometric authentication | |
US9864987B2 (en) | Account provisioning authentication | |
JP6479769B2 (en) | Method and system for providing locking function of customer control account | |
CN109087091B (en) | Account transaction safety system and method | |
CN106411950A (en) | Block-chain transaction ID based authentication method, device and system | |
CN104933565A (en) | IC card transaction method and IC card transaction system | |
US11386427B2 (en) | System for secure authentication of a user's identity in an electronic system for banking transactions | |
CN111371555A (en) | Signature authentication method and system | |
EP3229190A1 (en) | Payment verification method, apparatus and system | |
KR102376783B1 (en) | The blockchain-based transaction history confirmation system | |
US10990978B2 (en) | Method of transaction without physical support of a security identifier and without token, secured by the structural decoupling of the personal and service identifiers | |
CN117522569A (en) | Transaction fraud risk monitoring method and device | |
CN113191780B (en) | Block chain-based high-risk business transaction execution method and device | |
CN113487308A (en) | Bank terminal deposit system and method based on block chain | |
CN113487329A (en) | Bank terminal transaction system and method based on block chain | |
CN111178893B (en) | Anti-theft safety authentication method and device | |
CN113487314A (en) | Transaction processing method and device | |
CN109474565B (en) | Information verification method and apparatus, storage medium, and electronic apparatus | |
CN111242613A (en) | Wallet information management method and device based on online banking system and electronic equipment | |
CN111695096B (en) | Identity verification method and device | |
CN113469693A (en) | Method, system and nodes for providing service by using mobile terminal based on block chain | |
EP4009262A1 (en) | Devices, methods and a system for secure electronic payment transactions | |
CN102592242A (en) | Account unlocking system and method | |
CN110738481B (en) | Digital asset hosting risk control method, device and storage medium | |
EP4250210A1 (en) | Devices, methods and a system for secure electronic payment transactions |
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 |