CN116258564A - Off-line channel card-free service processing method, system, device and server - Google Patents
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Abstract
The present disclosure provides a method, a system, a device and a server for processing offline channel card-free service, wherein the method applied to a channel integration system includes: receiving a card-free service request sent by a service handling device in an off-line channel; generating a two-dimensional code for logging in a client service handling server according to a card-free service request, sending the two-dimensional code to the service handling device for display, wherein the two-dimensional code comprises a unique identification code for a user to scan, triggering the client service handling server to acquire user information and target account information, establishing an association relationship of the unique identification code, the user information and the target account information, and forwarding the association relationship to the channel integration system; and receiving and verifying the user information and the target account information in the association relation transmitted by the client service handling server, and forwarding the user information and the target account information to the service handling device according to the unique identification code in the association relation after verification is passed, so that card-free service processing can be safely realized.
Description
Technical Field
The present disclosure relates to the field of transactions, and in particular, to a method, a system, an apparatus, and a server for processing offline channel card-less services.
Background
With the rapid development of the times and the popularization of intelligent terminals, the life pace of people is gradually accelerated, the intelligent terminals even become necessities in the life of people, and most people are used to realize daily consumption demands such as payment, transfer, shopping and the like only by using the intelligent terminals. People have gradually reduced demands for cash, but have fewer demands for physical bank cards, even if many people transact a family entity card at the bank counter, the entity card is not used after being bound to a mobile phone bank, when the cash is needed, if the cash is small, the cash can be exchanged to a store, but if the cash is large, the entity card still needs to be carried to the bank counter or to be fetched by an ATM.
At present, most of banking business needs to be transacted by a user carrying a bank card to a counter or an ATM, and when the banking card is not carried to the bank to transact the banking business, the banking business cannot be transacted.
Disclosure of Invention
The method and the device are used for solving the problem that in the prior art, when the banking business is processed in an offline mode, a user needs to carry an entity card, and further the user cannot process the offline business when the user does not carry the entity card.
In order to solve the above technical problems, an aspect herein provides a method for processing offline channel card-free service, applied to a channel integration system, the method comprising:
receiving a card-free service request sent by a service handling device in an off-line channel;
generating a two-dimensional code for logging in a client service handling server according to the card-free service request, sending the two-dimensional code to the service handling device for display, wherein the two-dimensional code comprises a unique identification code and is used for sending user login information and the unique identification code to the client service handling server after a user scans so as to trigger the client service handling server to acquire user information and target account information, establishing an association relationship of the unique identification code, the user information and the target account information, and forwarding the association relationship to the channel integration system;
and receiving and verifying the user information and the target account information in the association relation transmitted by the client service handling server, and forwarding the user information and the target account information to the service handling device according to the unique identification code in the association relation after verification.
In a further embodiment, generating a two-dimensional code for logging in a client service transaction server according to the cardless service request includes:
Generating a unique identification code according to the card-free service request, and storing the unique identification code into a database;
after the unique identification code and the login verification interface are encrypted, two-dimensional code information is generated;
and generating a two-dimension code for logging in the client service handling server according to the two-dimension code information.
In a further embodiment, the method further includes generating a return time when the two-dimensional code is generated, sending the two-dimensional code and the return time to the service handling device, so that the service handling device starts counting down when receiving the return time, and retransmitting the card-free service request to the channel integration system when the counting down returns to zero.
The second aspect provides a method for processing offline channel card-free service, which is applied to a service handling device, and the method comprises the following steps:
sending a two-dimension code generation request to a channel integration system;
receiving and displaying a two-dimensional code which is sent by the channel integration system and contains a unique identification code, wherein the two-dimensional code is used for sending user side login information and the unique identification code to a client side business handling server after being scanned by a user side so as to trigger the client side business handling server to acquire user information and target account information, establishing an association relationship of the unique identification code, the user information and the target account information, and forwarding the association relationship to the channel integration system;
Receiving user information and target account information sent by the channel integration system;
collecting biological information of a user;
and verifying whether the biological information of the user is consistent with the information of the user, and if so, responding to a transaction request sent by the user to the target account.
In a further embodiment, when receiving the two-dimension code sent by the channel integration system, the method also receives a return time;
when the two-dimensional code is displayed, starting counting down based on the return time;
when the countdown returns to zero, resending the card-free service request to the channel integration system;
and counting the number of times of resending the card-free service request, and when the number of times is larger than a preset value, not sending the card-free service request.
As a further embodiment herein, when acquiring the biological information of the user, the method further sends a data acquisition request to the video acquisition equipment around the service handling device;
and receiving video information sent by the video acquisition equipment, and sending the video information and the target account information to a client service handling server for storage.
The third aspect provides a method for processing offline channel card-free service, applied to a client service handling server, comprising:
receiving user side login information and a unique identification code which are sent by a user side through scanning a two-dimensional code provided by a channel integration system;
Verifying the unique identification code, generating a target account configuration page according to the user side login information after verification is passed, and sending the target account configuration page to a user side for display;
receiving target account and verification information sent by a user terminal;
and verifying the target account according to the verification information, acquiring user information and target account information according to the target account after verification, establishing an association relationship among the unique identification code, the user information and the target account information, and transmitting the association relationship to the channel integration system.
In a further embodiment, after the user information and the target account information are obtained according to the target account, the user information and the target account information are encrypted.
A fourth aspect herein provides a channel integration system, comprising:
the request receiving unit is used for receiving a card-free service request sent by a service handling device in an off-line channel;
the two-dimension code processing unit is used for generating a two-dimension code for logging in a client-side business handling server according to the card-free business request, sending the two-dimension code to the business handling device for display, wherein the two-dimension code comprises a unique identification code and is used for sending user-side login information and the unique identification code to the client-side business handling server after being scanned by a user side so as to trigger the client-side business handling server to acquire user information and target account information, establishing an association relationship of the unique identification code, the user information and the target account information, and forwarding the association relationship to the channel integration system;
And the client information processing unit is used for receiving and verifying the user information and the target account information in the association relation transmitted by the client service handling server, and forwarding the user information and the target account information to the service handling device according to the unique identification code in the association relation after verification is passed.
A fifth aspect herein provides a business transaction apparatus, comprising:
the request unit is used for sending a two-dimension code generation request to the channel integration system;
the information receiving unit is used for receiving and displaying the two-dimensional code which is sent by the channel integration system and contains the unique identification code, wherein the two-dimensional code is used for sending the user side login information and the unique identification code to the client side business handling server after being scanned by the user side so as to trigger the client side business handling server to acquire the user information and the target account information, establish the association relationship among the unique identification code, the user information and the target account information and forward the association relationship to the channel integration system;
the information acquisition unit is used for acquiring biological information of the user;
and the verification unit is used for verifying whether the biological information of the user is consistent with the user information, and calling the service processing module to respond to the transaction request sent by the user to the target account if the biological information of the user is consistent with the user information.
A sixth aspect herein provides a client business transaction server, comprising:
the information acquisition unit is used for receiving user side login information and a unique identification code which are sent by a user side through scanning the two-dimensional code provided by the channel integration system;
the account configuration unit is used for verifying the unique identification code, generating a target account configuration page according to the user side login information after verification is passed, and sending the target account configuration page to the user side for display; receiving target account and verification information sent by a user terminal;
and the account verification and information interaction unit is used for verifying the target account according to the verification information, acquiring the user information and the target account information according to the target account after verification, establishing an association relationship among the unique identification code, the user information and the target account information, and transmitting the association relationship to the channel integration system.
A seventh aspect herein provides a computer apparatus comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method of any of the preceding embodiments when the computer program is executed.
An eighth aspect herein provides a computer storage medium having stored thereon a computer program which, when executed by a processor of a computer device, performs instructions of a method according to any of the preceding embodiments.
A ninth aspect herein provides a computer program product comprising a computer program which, when executed by a processor, implements a method according to any of the preceding embodiments.
The method and the device for processing the off-line channel cardless service provided by the invention are characterized in that a channel integration system is introduced, the channel integration system receives a cardless service request sent by a service handling device in the off-line channel, generates a two-dimensional code for logging in a client service handling server according to the cardless service request, and sends the two-dimensional code to the service handling device for display, wherein the two-dimensional code comprises a unique identification code, is used for sending user login information and the unique identification code to the client service handling server after a user scans, so as to trigger the client service handling server to acquire user information and target account information, establish an association relationship of the unique identification code, the user information and the target account information, forward the association relationship to the channel integration system, receive and verify the user information and the target account information in the association relationship sent by the client service handling server, and forward the user information and the target account information to the service handling device according to the unique identification code in the association relationship after verification; the method comprises the steps that a service handling device sends a two-dimension code generation request to a channel integration system, receives and displays a two-dimension code which is sent by the channel integration system and contains a unique identification code, wherein the two-dimension code is used for sending user-side login information and the unique identification code to a client-side service handling server after being scanned by a user side so as to trigger the client-side service handling server to acquire user information and target account information, establish an association relationship among the unique identification code, the user information and the target account information, forward the association relationship to the channel integration system, receive the user information and the target account information which are sent by the channel integration system, collect user biological information, verify whether the user biological information is consistent with the user information, and respond to a transaction request sent by a user to the target account if the user biological information is consistent with the user information; the client business handling server receives the user end login information and the unique identification code which are sent by the user end through the two-dimension code provided by the scanning channel integration system, verifies the unique identification code, generates a target account configuration page according to the user end login information after verification is passed and sends the target account configuration page to the user end for display, receives the target account and verification information sent by the user end, verifies the target account according to the verification information, acquires the user information and the target account information according to the target account after verification is passed, establishes the association relation among the unique identification code, the user information and the target account information, and sends the association relation to the channel integration system, so that a user can handle offline business under the conditions of not carrying a bank card and not needing to greatly improve the existing equipment, and meanwhile, the safety of card-free business handling can be ensured.
The foregoing and other objects, features and advantages will be apparent from the following more particular description of preferred embodiments, as illustrated in the accompanying drawings.
Drawings
In order to more clearly illustrate the embodiments herein or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described below, it being obvious that the drawings in the following description are only some embodiments herein and that other drawings may be obtained according to these drawings without inventive effort to a person skilled in the art.
FIG. 1 shows a schematic diagram of an off-line channel card-less business processing system of embodiments herein;
FIG. 2 illustrates a flow chart of a method of off-line channel card-less traffic handling in accordance with embodiments herein;
FIG. 3 illustrates a flow chart of an off-line channel card-less business processing method for a channel integration system according to embodiments herein;
FIG. 4 shows a flow chart of an off-line channel card-less service processing method for a service handling device according to embodiments herein;
FIG. 5 shows a flow chart of an off-line channel card-less service processing method for a client service transaction server according to embodiments herein;
FIG. 6 illustrates a block diagram of a channel integration system of embodiments herein;
FIG. 7 illustrates a block diagram of a business transaction device of an embodiment herein;
FIG. 8 illustrates a block diagram of a client business transaction server of embodiments herein;
fig. 9 shows a block diagram of a computer device of embodiments herein.
Description of the drawings:
110. a business handling device;
120. a channel integration system;
130. a client service handling server;
601. a request receiving unit;
602. a two-dimensional code processing unit;
603. a client information processing unit;
701. a request unit;
702. an information receiving unit;
703. an information acquisition unit;
704. a verification unit;
801. an information acquisition unit;
802. an account configuration unit;
803. an account verification and information interaction unit;
902. a computer device;
904. a processor;
906. a memory;
908. a driving mechanism;
910. an input/output module;
912. an input device;
914. an output device;
916. a presentation device;
918. a graphical user interface;
920. a network interface;
922. a communication link;
924. a communication bus.
Detailed Description
The following description of the embodiments of the present disclosure will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are only some, but not all embodiments of the disclosure. All other embodiments, based on the embodiments herein, which a person of ordinary skill in the art would obtain without undue burden, are within the scope of protection herein.
It should be noted that the terms "first," "second," and the like in the description and claims herein and in the foregoing figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments described herein may be capable of operation in sequences other than those illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, apparatus, article, or device that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed or inherent to such process, method, article, or device.
The present specification provides method operational steps as described in the examples or flowcharts, but may include more or fewer operational steps based on conventional or non-inventive labor. The order of steps recited in the embodiments is merely one way of performing the order of steps and does not represent a unique order of execution. When a system or apparatus product in practice is executed, it may be executed sequentially or in parallel according to the method shown in the embodiments or the drawings.
It should be noted that, the off-line channel no-card service processing method herein may be used in the financial field, for example, banking, and may also be used in any scenario other than the financial field where a card is required to be held for service in some special scenarios and there are an off-line and an on-line service, and the application field of the off-line channel no-card service processing method herein is not limited.
In an embodiment herein, as shown in fig. 1 and fig. 2, an off-line channel no-card service processing system and method are provided, which are used for solving the problem that in the prior art, in a scenario that only an off-line card service can be handled, if a user does not carry a card, the off-line service cannot be handled, and specifically, as shown in fig. 1, the off-line channel no-card service processing system includes: the business transaction device 110, the channel integration system 120, and the client business transaction server 130.
The service handling device 110 is a front-end device of an off-line entity channel, and is generally used for initiating an off-line service handling request, and can be operated by a teller or a user, so that the function of the service handling device 110 is expanded herein, and the service handling device is used for initiating a card-free service request, namely an on-line service request, besides being capable of normally initiating the off-line service handling request. In particular, the service transaction device 110 may be an existing service transaction terminal, such as an ATM, an automated teller machine, or the like.
The channel integration system 120 provides a bridge for communication between the service handling device 110 and the client service handling server 130 under the condition of no card, is a system for integrating information of an offline entity channel system and an online electronic channel system, and is used for generating a two-dimension code for logging in the client service handling server, and a user can realize logging in the client service handling server by scanning the two-dimension code through a user side, so that the client service handling server can automatically acquire user information and target account information according to logging in information of the user side.
In detail, the user terminal is service software installed on the intelligent terminal for user operation, and an online service request can be sent out through the service software. For banking, the service software is, for example, mobile banking client software.
The client service handling server 130 is an online electronic channel system, such as a mobile phone bank, is a main electronic channel for handling services at present, and is used for receiving and verifying the sent user side login information and the unique identification code obtained by the user side scanning the two-dimension code, verifying the unique identification code, generating a target account configuration page according to the user side login information after verification, and sending the target account configuration page to the user side for display; receiving target account and verification information sent by a user terminal; and verifying the target account according to the verification information, acquiring user information and target account information according to the target account after verification, establishing an association relationship among the unique identification code, the user information and the target account information, transmitting the association relationship to the channel integration system 120, and forwarding the association relationship to the service handling device 110 by the channel integration system 120.
By setting the channel integration system 120, the interface for requesting the card-free service and verifying the user information can be set only in the service handling device, and the interface for automatically acquiring the user information and the target account information is set in the client service handling server 130, so that the user can handle the off-line service without carrying a bank card without greatly improving the existing service handling device and the client service handling server, and meanwhile, the safety of card-free service handling can be ensured.
Specifically, as shown in fig. 2, the off-line channel card-free service processing method includes:
step 201, the service handling device sends a two-dimension code generation request to the channel integration system.
In implementation, an interface for sending a two-dimension code generation request is provided in a display interface or a physical button of the service handling device, and is triggered by a user or a teller.
Step 202, the channel integration system receives a card-free service request sent by a service handling device in an off-line channel, generates a two-dimension code for logging in a client service handling server according to the card-free service request, and sends the two-dimension code to the service handling device for display.
The two-dimensional code comprises a unique identification code, and is used for sending the user side login information and the unique identification code to the client side business handling server after the user side scans, so as to trigger the client side business handling server to acquire the user information and the target account information, establish the association relationship among the unique identification code, the user information and the target account information, and forward the association relationship to the channel integration system.
And 203, the service handling device receives and displays the two-dimension code sent by the channel integration system.
Step 204, the user side scans the two-dimension code to obtain the user side login information and the unique identification code, and sends the user side login information and the unique identification code to the client side business handling server.
In detail, the user side is software for transacting business on a user line, for example, a mobile phone bank.
Step 205, the client business handling server receives the user login information and the unique identification code sent by the user; and verifying the unique identification code, generating a target account configuration page according to the login information of the user terminal after verification is passed, sending the target account configuration page to the user terminal for display, setting target account information by operating the target account configuration page displayed by the user terminal by a user, and inputting verification information.
The configuration control of the target account is arranged in the target account configuration page, and the control can be used for a user to input target account information in a form of a drop-down list or a text box, wherein the drop-down list is provided with an account number existing at present by the user. Meanwhile, an input control of verification information is also arranged in the target account configuration page, and the verification information is input through the control. In some embodiments, the verification information is a password for the target account.
The process of verifying the unique identification code includes: and sending a query request to the channel integration system, judging whether the channel integration system has a unique identification code, if so, passing the verification, otherwise, failing the verification.
Step 206, the client business handling server receives the target account and the verification information sent by the user terminal, verifies the target account according to the verification information, acquires the user information and the target account information according to the target account after verification, establishes an association relationship of the unique identification code, the user information and the target account information, and sends the association relationship to the channel integration system.
In implementation, the user information and the target account information may be stored in the database as value values of unique identifiers.
User information includes, but is not limited to: basic information such as user name, certificate number, mobile phone number, etc. The target account information includes at least: account, account name, balance, transaction details, etc. The account and the account name are account information under the client name, the balance refers to the available balance in each account, and the balance has the same meaning as the balance of the account in the current banking business processing system, and refers to the size of funds which can be used for cash or consumption by the user.
Step 207, the channel integration system receives and verifies the association relationship sent by the client service handling server, verifies the user information and the target account information in the association relationship, and forwards the user information and the target account information to the service handling device after verification.
In this embodiment, verifying the user information and the target account information includes, but is not limited to, verifying whether the user information and the target account information are in a correct format, lack of fields, and the like. And verifying whether the user has bad transaction or credit problems, if so, the verification is failed, and the user information and the target account information cannot be sent to the service handling device, so that the purpose of limiting the card-free transaction of the user is realized.
In some embodiments, in order to ensure the security of the user information and the target account information, in the sent association relationship, the client service handling server verifies that the user information and the target account information in the association relationship are encrypted information, and the channel integration system decrypts the user information and the target account information in the association relationship, if the decryption is successful, the verification is successful, otherwise, the verification is failed.
Step 208, the business handling device receives the user information and the target account information sent by the channel integration system; collecting biological information of a user; and verifying whether the biological information of the user is consistent with the user information, and if so, responding to a transaction request sent by the user to the target account.
In detail, the bio-information includes, but is not limited to, fingerprint, facial image, sound signal, etc., and the content included in the bio-information is not particularly limited herein.
Through the arrangement of the channel integration system, the embodiment can realize the interaction of the off-line channel and the on-line electronic channel, and further acquire the user information and the target account information by means of the on-line electronic channel, so that the off-line channel card-free business transaction of the user is completed.
In an embodiment herein, an off-line channel card-free service processing method applied to a channel integration system is provided, as shown in fig. 3, including:
Wherein the service impossible request includes at least service handling device information such as device name, IP address, etc.
And step 302, generating a two-dimension code for logging in a client service handling server according to the card-free service request, and sending the two-dimension code to the service handling device for display.
The two-dimensional code comprises a unique identification code, wherein the unique identification code is an index for searching the service request, the service handling device, the subsequent user information and the target account information. And generating the two-dimensional code and storing the association relationship between the service handling device information and the unique identification code.
The two-dimensional code is used for sending the user side login information and the unique identification code to the client side business handling server after the user side scans, so as to trigger the client side business handling server to acquire the user information and the target account information, establish the association relationship among the unique identification code, the user information and the target account information, and forward the association relationship to the channel integration system.
Specifically, the implementation process of the step comprises the following steps:
and 3021, generating a unique identification code according to the card-free service request, and storing the unique identification code into a database.
When the step is implemented, the unique identification code can be randomly generated according to a preset algorithm, and the generation algorithm of the unique identification code is not limited in this text.
Step 3022, after the unique identification code and the login verification interface are encrypted, two-dimensional code information is generated.
The implementation of this step can adopt an SM4 algorithm in the national encryption algorithm, and the encryption key length of the SM4 algorithm is 128 bits.
And 3023, generating a two-dimension code for logging in the client business handling server according to the two-dimension code information.
In a further embodiment, the step 302 generates the two-dimension code and generates the return time, and sends the two-dimension code and the return time to the service handling device, so that the service handling device starts counting down when receiving the return time, and resends the card-free service request to the channel integration system when the counting down returns to zero.
According to the embodiment, the two-dimension code can be prevented from being sent to the client business handling server maliciously frequently by setting the return time of the two-dimension code.
In an embodiment herein, there is further provided a method for processing an offline channel card-less service applied to a service handling device, as shown in fig. 4, including:
The two-dimension code is used for sending the user end login information and the unique identification code to the client end service handling server after the user end scans, so as to trigger the client end service handling server to acquire the user information and the target account information, establish the association relationship among the unique identification code, the user information and the target account information, and forward the association relationship to the channel integration system.
In a further embodiment, the step 402 further receives a return time when receiving the two-dimensional code sent by the channel integration system, and starts counting down based on the return time when displaying the two-dimensional code, and resends the card-free service request to the channel integration system when the counting down returns to zero; and counting the number of times of resending the card-free service request, and when the number of times is larger than a preset value, not sending the card-free service request.
In practice, the return time may be set according to practical requirements, for example, 60 seconds, and the specific value is not limited herein.
By setting the return time of the two-dimension code, the embodiment can ensure the safety of card-free service handling, and avoid that malicious attackers frequently initiate card-free service handling requests, thereby influencing normal service handling.
In this embodiment, when the user biometric information is collected in step 404, a data acquisition request is further sent to the video collection device around the service handling device, the video information sent by the video collection device is received, and the video information and the target account information are sent to the client service handling server for storage.
The video image collected by the video collecting equipment around the service handling device is reserved, so that the card-free service handling can be circulated when disputes occur, the consistency of card-free service handling personnel and target accounts is ensured, and non-target account personnel are prevented from impersonating and handling the card-free service.
In an embodiment herein, there is further provided a method for processing offline channel card-less service applied to a client service handling server, as shown in fig. 5, including:
In some embodiments, the authentication information is, for example, an account password.
The step is implemented by acquiring user information and target account information from a data storage device storing user data, wherein the data storage device at least comprises a user information storage device and an account information storage device. The user information storage device stores user information and the account information storage device stores target account information.
In an embodiment herein, in order to ensure security, step 504 acquires the user information and the target account information according to the target account, then encrypts the user information and the target account information, and sends the encrypted information to the channel integration system. In the specific implementation, the channel integration system needs to agree with an encryption and decryption method in advance with the client business handling server, and the two-dimensional code and the user information can respectively adopt different encryption and decryption algorithms.
In one embodiment herein, there is also provided a channel integration system, as shown in fig. 6, including:
the request receiving unit 601 is configured to receive a card-free service request sent by a service handling device in an offline channel.
The two-dimensional code processing unit 602 is configured to generate a two-dimensional code for logging in a client service handling server according to the cardless service request, send the two-dimensional code to the service handling device for display, where the two-dimensional code includes a unique identification code, and is configured to send, after being scanned by a user, user login information and the unique identification code to the client service handling server, so as to trigger the client service handling server to obtain user information and target account information, establish an association relationship between the unique identification code, the user information and the target account information, and forward the association relationship to the channel integration system.
The client information processing unit 603 is configured to receive and verify the user information and the target account information in the association relationship sent by the client service handling server, and forward the user information and the target account information to the service handling device according to the unique identification code in the association relationship after verification is passed.
In specific implementation, the channel integration system further comprises a main control unit, and the main control unit is used for realizing information interaction of all units in the channel integration system.
In an example herein, there is further provided a service handling apparatus, as shown in fig. 7, including:
a request unit 701, configured to send a two-dimension code generation request to the channel integration system.
The information receiving unit 702 is configured to receive and display a two-dimensional code including a unique identifier sent by the channel integration system, where the two-dimensional code is used for sending user login information and the unique identifier to a client service handling server after being scanned by a user, so as to trigger the client service handling server to obtain user information and target account information, establish an association relationship between the unique identifier, the user information and the target account information, and forward the association relationship to the channel integration system.
An information acquisition unit 703 for acquiring biological information of the user.
And the verification unit 704 is used for verifying whether the biological information of the user is consistent with the user information, and if so, calling the service processing module to respond to the transaction request sent by the user to the target account.
When the method is implemented, the service handling device further comprises a main control unit which is used for realizing information interaction of all units in the service handling device.
In an embodiment herein, there is further provided a client service transacting server, as shown in fig. 8, including:
An information obtaining unit 801, configured to receive user login information and a unique identifier sent by a user through scanning a two-dimensional code provided by a channel integration system;
the account configuration unit 802 is configured to verify the unique identification code, generate a target account configuration page according to the login information of the user terminal after verification is passed, and send the target account configuration page to the user terminal for display; receiving target account and verification information sent by a user terminal;
the account verification and information interaction unit 803 is configured to verify the target account according to the verification information, obtain the user information and the target account information according to the target account after the verification is passed, establish an association relationship among the unique identification code, the user information and the target account information, and send the association relationship to the channel integration system.
In specific implementation, the client service handling server further comprises a main control unit, and the main control unit is used for realizing information interaction of all units in the client service handling server.
In an embodiment herein, a computer device is also provided, as shown in fig. 9, the computer device 902 may include one or more processors 904, such as one or more Central Processing Units (CPUs), each of which may implement one or more hardware threads. The computer device 902 may also include any memory 906 for storing any kind of information, such as code, settings, data, etc. For example, and without limitation, the memory 906 may include any one or more of the following combinations: any type of RAM, any type of ROM, flash memory devices, hard disks, optical disks, etc. More generally, any memory may store information using any technique. Further, any memory may provide volatile or non-volatile retention of information. Further, any memory may represent fixed or removable components of computer device 902. In one case, when the processor 904 executes associated instructions stored in any memory or combination of memories, the computer device 902 can perform any of the operations of the associated instructions. In particular, the memory 906 has stored thereon a computer program executable on the processor 904, which when executed by the processor 904 implements the method described in any of the preceding embodiments, the computer device 902 further comprising one or more drive mechanisms 908 for interacting with any of the memories, such as a hard disk drive mechanism, optical disk drive mechanism, etc.
The computer device 902 may also include an input/output module 910 (I/O) for receiving various inputs (via an input device 912) and for providing various outputs (via an output device 914). One particular output mechanism may include a presentation device 916 and an associated graphical user interface 918 (GUI). In other embodiments, input/output module 910 (I/O), input device 912, and output device 914 may not be included, but merely as a computer device in a network. The computer device 902 may also include one or more network interfaces 920 for exchanging data with other devices via one or more communication links 922. One or more communication buses 924 couple the above-described components together.
The communication link 922 may be implemented in any manner, for example, through a local area network, a wide area network (e.g., the internet), a point-to-point connection, etc., or any combination thereof. Communication link 922 may include any combination of hardwired links, wireless links, routers, gateway functions, name servers, etc., governed by any protocol or combination of protocols.
Embodiments herein also provide a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the method of any of the embodiments described above.
Embodiments herein also provide a computer readable instruction, wherein the program therein causes the processor to perform the steps of the method of any of the embodiments described above when the processor executes the instruction.
It should be understood that, in the various embodiments herein, the sequence number of each process described above does not mean the sequence of execution, and the execution sequence of each process should be determined by its functions and internal logic, and should not constitute any limitation on the implementation process of the embodiments herein.
It should also be understood that in embodiments herein, the term "and/or" is merely one relationship that describes an associated object, meaning that three relationships may exist. For example, a and/or B may represent: a exists alone, A and B exist together, and B exists alone. In addition, the character "/" herein generally indicates that the front and rear associated objects are an "or" relationship.
Those of ordinary skill in the art will appreciate that the elements and algorithm steps described in connection with the embodiments disclosed herein may be embodied in electronic hardware, in computer software, or in a combination of the two, and that the elements and steps of the examples have been generally described in terms of function in the foregoing description to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present disclosure.
It will be clear to those skilled in the art that, for convenience and brevity of description, specific working procedures of the above-described systems, apparatuses and units may refer to corresponding procedures in the foregoing method embodiments, and are not repeated herein.
In the several embodiments provided herein, it should be understood that the disclosed systems, devices, and methods may be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative, e.g., the division of the units is merely a logical function division, and there may be additional divisions when actually implemented, e.g., multiple units or components may be combined or integrated into another system, or some features may be omitted or not performed. In addition, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices, or elements, or may be an electrical, mechanical, or other form of connection.
The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the elements may be selected according to actual needs to achieve the objectives of the embodiments herein.
In addition, each functional unit in the embodiments herein may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.
The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solutions herein are essentially or portions contributing to the prior art, or all or portions of the technical solutions may be embodied in the form of a software product stored in a storage medium, including several instructions to cause a computer device (which may be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the methods described in the embodiments herein. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a magnetic disk, or an optical disk, or other various media capable of storing program codes.
Specific examples are set forth herein to illustrate the principles and embodiments herein and are merely illustrative of the methods herein and their core ideas; also, as will be apparent to those of ordinary skill in the art in light of the teachings herein, many variations are possible in the specific embodiments and in the scope of use, and nothing in this specification should be construed as a limitation on the invention.
Claims (14)
1. An off-line channel card-free service processing method, which is characterized by being applied to a channel integration system, comprising the following steps:
receiving a card-free service request sent by a service handling device in an off-line channel;
generating a two-dimensional code for logging in a client service handling server according to the card-free service request, sending the two-dimensional code to the service handling device for display, wherein the two-dimensional code comprises a unique identification code and is used for sending user login information and the unique identification code to the client service handling server after a user scans so as to trigger the client service handling server to acquire user information and target account information, establishing an association relationship of the unique identification code, the user information and the target account information, and forwarding the association relationship to the channel integration system;
And receiving and verifying the user information and the target account information in the association relation transmitted by the client service handling server, and forwarding the user information and the target account information to the service handling device according to the unique identification code in the association relation after verification.
2. The method of claim 1, wherein generating a two-dimensional code for logging into a client-side business transaction server from the cardless business request comprises:
generating a unique identification code according to the card-free service request, and storing the unique identification code into a database;
after the unique identification code and the login verification interface are encrypted, two-dimensional code information is generated;
and generating a two-dimension code for logging in the client service handling server according to the two-dimension code information.
3. The method of claim 2, wherein generating the two-dimensional code further generates a return time, transmitting the two-dimensional code and the return time to the business transaction device, such that the business transaction device starts counting down when receiving the return time, and resends the card-free business request to the channel integration system when the counting down returns to zero.
4. An off-line channel card-free service processing method, which is characterized by being applied to a service handling device, comprising the following steps:
Sending a two-dimension code generation request to a channel integration system;
receiving and displaying a two-dimensional code which is sent by the channel integration system and contains a unique identification code, wherein the two-dimensional code is used for sending user side login information and the unique identification code to a client side business handling server after being scanned by a user side so as to trigger the client side business handling server to acquire user information and target account information, establishing an association relationship of the unique identification code, the user information and the target account information, and forwarding the association relationship to the channel integration system;
receiving user information and target account information sent by the channel integration system;
collecting biological information of a user;
and verifying whether the biological information of the user is consistent with the information of the user, and if so, responding to a transaction request sent by the user to the target account.
5. The method of claim 4, wherein receiving the two-dimensional code transmitted by the channel integration system further receives a return time;
when the two-dimensional code is displayed, starting counting down based on the return time;
when the countdown returns to zero, resending the card-free service request to the channel integration system;
and counting the number of times of resending the card-free service request, and when the number of times is larger than a preset value, not sending the card-free service request.
6. The method of claim 4, wherein the step of collecting the biological information of the user further comprises sending a data acquisition request to video collection equipment around the business transaction device;
and receiving video information sent by the video acquisition equipment, and sending the video information and the target account information to a client service handling server for storage.
7. The off-line channel card-free service processing method is characterized by being applied to a client service handling server and comprising the following steps of:
receiving user side login information and a unique identification code which are sent by a user side through scanning a two-dimensional code provided by a channel integration system;
verifying the unique identification code, generating a target account configuration page according to the user side login information after verification is passed, and sending the target account configuration page to a user side for display;
receiving target account and verification information sent by a user terminal;
and verifying the target account according to the verification information, acquiring user information and target account information according to the target account after verification, establishing an association relationship among the unique identification code, the user information and the target account information, and transmitting the association relationship to the channel integration system.
8. The method of claim 7, wherein the user information and the target account information are encrypted after the user information and the target account information are obtained according to the target account.
9. A channel integration system, comprising:
the request receiving unit is used for receiving a card-free service request sent by a service handling device in an off-line channel;
the two-dimension code processing unit is used for generating a two-dimension code for logging in a client-side business handling server according to the card-free business request, sending the two-dimension code to the business handling device for display, wherein the two-dimension code comprises a unique identification code and is used for sending user-side login information and the unique identification code to the client-side business handling server after being scanned by a user side so as to trigger the client-side business handling server to acquire user information and target account information, establishing an association relationship of the unique identification code, the user information and the target account information, and forwarding the association relationship to the channel integration system;
and the client information processing unit is used for receiving and verifying the user information and the target account information in the association relation transmitted by the client service handling server, and forwarding the user information and the target account information to the service handling device according to the unique identification code in the association relation after verification is passed.
10. A business transaction apparatus, comprising:
The request unit is used for sending a two-dimension code generation request to the channel integration system;
the information receiving unit is used for receiving and displaying the two-dimensional code which is sent by the channel integration system and contains the unique identification code, wherein the two-dimensional code is used for sending the user side login information and the unique identification code to the client side business handling server after being scanned by the user side so as to trigger the client side business handling server to acquire the user information and the target account information, establish the association relationship among the unique identification code, the user information and the target account information and forward the association relationship to the channel integration system;
the information acquisition unit is used for acquiring biological information of the user;
and the verification unit is used for verifying whether the biological information of the user is consistent with the user information, and calling the service processing module to respond to the transaction request sent by the user to the target account if the biological information of the user is consistent with the user information.
11. A client-side business transaction server, comprising:
the information acquisition unit is used for receiving user side login information and a unique identification code which are sent by a user side through scanning the two-dimensional code provided by the channel integration system;
the account configuration unit is used for verifying the unique identification code, generating a target account configuration page according to the user side login information after verification is passed, and sending the target account configuration page to the user side for display; receiving target account and verification information sent by a user terminal;
And the account verification and information interaction unit is used for verifying the target account according to the verification information, acquiring the user information and the target account information according to the target account after verification, establishing an association relationship among the unique identification code, the user information and the target account information, and transmitting the association relationship to the channel integration system.
12. 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 one of claims 1 to 8 when executing the computer program.
13. A computer storage medium having stored thereon a computer program, which, when executed by a processor of a computer device, performs the instructions of the method according to any of claims 1 to 8.
14. A computer program product, characterized in that the computer program product comprises a computer program which, when executed by a processor, implements the method of any one of claims 1 to 8.
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