CN107223274A - Processing method, device and the financial terminal of financial terminal business - Google Patents
Processing method, device and the financial terminal of financial terminal business Download PDFInfo
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- CN107223274A CN107223274A CN201780000561.3A CN201780000561A CN107223274A CN 107223274 A CN107223274 A CN 107223274A CN 201780000561 A CN201780000561 A CN 201780000561A CN 107223274 A CN107223274 A CN 107223274A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/202—Depositing operations within ATMs
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/203—Dispensing operations within ATMs
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Abstract
The present invention is applied to technical field of financial equipment, and there is provided the processing method of financial terminal business, a kind of financial terminal of device.Methods described includes：The service bank list provided according to financial terminal, obtains the affiliated bank of user account of processes financial terminal traffic, and the list for the bank that service can be provided by financial terminal is listed in service bank list；Send and instruct to Encryption Keyboard, to obtain the encrypted message of user's input；The type of service selected according to user and the encrypted message of user's input, the corresponding financial terminal business of processing business type.The technical scheme that the present invention is provided is understood, on the one hand with universal applicability, thus user can experience convenience in processes financial terminal traffic；On the other hand, as long as user holds row of the affiliated bank of bank card in bank's list of service bank list, the financial service of financial terminal offer just can be provided, the convenience that financial business is handled is provided so as to the user coequally for more banks.
Description
Technical field
The invention belongs to financial terminal equipment technical field, more particularly to the processing method of financial terminal business, device and
A kind of financial terminal.
Background technology
Finance self-help terminal ATM is typically deployed at the densely populated region such as supermarket, bank, community, the hospital in city, pole
The earth facilitates the vast bank card user of market economic society.Usually, as long as bank card and ATM belong to same bank,
Then the ATM can just be provided for the holder of the bank card inquiry, change it is close, transfer accounts, deposit and the business such as enchashment.
The business that current finance self-help terminal ATM can be completed, otherwise it can only be serviced for one's own profession card, or only
It can be serviced for being connected to the bank card of Unionpay.If however, user holds neither one's own profession card, nor the silver of Unionpay's networking
Row card, then current ATM can not be serviced, and especially carry out enchashment and transfer accounts etc. to operate.
To sum up, for the affiliated banks of non-ATM or the bank card of Unionpay is connected to, current ATM processes financial business still has
In place of inconvenience.
The content of the invention
In view of this, the invention provides the processing method of financial terminal business, device and a kind of financial terminal, to solve
It is directed to the affiliated banks of non-ATM in the prior art or is connected to the bank card of Unionpay, the problem of processes financial business is inconvenient.
First aspect present invention provides a kind of processing method of financial terminal business, and methods described is applied to independently of silver
Row or the financial terminal of Unionpay, methods described include：
According to the service bank list of financial terminal offer, belonging to the user account for obtaining processes financial terminal traffic
The list for the bank that service can be provided by the financial terminal is listed in bank, the service bank list；
Send and instruct to Encryption Keyboard, the bank cipher instructed for indicating using the affiliated bank of the user account
The encrypted message that the user inputs is encrypted, to obtain the encrypted message of user's input；
The encrypted message that the type of service selected according to the user and user input, handles the type of service corresponding
Financial terminal business.
Second aspect of the present invention provides a kind of processing unit of financial terminal business, and described device is applied to independently of silver
Row or the financial terminal of Unionpay, described device include：
First acquisition module, for the service bank list provided according to the financial terminal, obtains processes financial terminal
The affiliated bank of user account of business, the service bank list, which is listed, to provide the bank serviced by the financial terminal
List；
Instruction sending module, is instructed for being sent to Encryption Keyboard, described to instruct for indicating to use the user account
The encrypted message that the bank cipher of affiliated bank is inputted to the user is encrypted, to obtain the message in cipher of user's input
Breath；
Service Processing Module, the encrypted message inputted for the type of service selected according to the user and user, processing
The corresponding financial terminal business of the type of service.
Third aspect present invention provides a kind of financial terminal, and the financial terminal is independently of bank or Unionpay, the gold
Melting terminal includes：Processor, communication interface, memory and bus, the processor, the communication interface and the memory are logical
Cross the bus and complete mutual communication；
The communication interface, is used for and communicating with external device；
The processor, for configuration processor；
The memory, for depositing described program；
Described program includes：
According to the service bank list of financial terminal offer, belonging to the user account for obtaining processes financial terminal traffic
The list for the bank that service can be provided by the financial terminal is listed in bank, the service bank list；
Send and instruct to Encryption Keyboard, the bank cipher instructed for indicating using the affiliated bank of the user account
The encrypted message that the user inputs is encrypted, to obtain the encrypted message of user's input；
The encrypted message that the type of service selected according to the user and user input, handles the type of service corresponding
Financial terminal business.
It was found from the technical scheme that the invention described above is provided, on the one hand, the service bank list that financial terminal is provided is listed
The list of the bank of service can be provided by the financial terminal, therefore, bank's list that service bank list is listed all may be used
With the corresponding financial terminal business of processing business type, the available service of general financial terminal, technology have been provided the user
Scheme has universal applicability, thus user can experience convenience in processes financial terminal traffic；On the other hand, due to
Financial terminal, even if the bank card that user is held is not Unionpay user, can also enjoy the finance independently of Unionpay or bank
The financial service that terminal is provided, or, due to the financial terminal, to be not belonging to any bank exclusive, as long as user Suo Chi banks
Bank belonging to card just can enjoy the finance clothes of financial terminal offer in the row of bank's list of service bank list
Business, the convenience that financial business is handled is provided so as to the user coequally for more banks.
Brief description of the drawings
Technical scheme in order to illustrate the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
In required for the accompanying drawing that uses be briefly described, it should be apparent that, drawings in the following description are only some of the present invention
Embodiment, for those of ordinary skill in the art, without having to pay creative labor, can also be according to these
Accompanying drawing obtains other accompanying drawings.
Fig. 1-1 is the implementation process schematic diagram of the processing method for the financial terminal business that the embodiment of the present invention one is provided；
Fig. 1-2 is the corresponding financial terminal business of type of service provided in an embodiment of the present invention for when changing close or inquiry business
Handle the implementation process schematic diagram of financial terminal business；
Fig. 1-3 is processing gold when the corresponding financial terminal business of type of service provided in an embodiment of the present invention is encashment service
Melt the implementation process schematic diagram of terminal traffic；
Fig. 1-4 is processing gold when the corresponding financial terminal business of type of service provided in an embodiment of the present invention is deposit business
Melt the implementation process schematic diagram of terminal traffic；
Fig. 1-5 is processing gold when the corresponding financial terminal business of type of service provided in an embodiment of the present invention is transferred account service
Melt the implementation process schematic diagram of terminal traffic；
Fig. 2 is the processing unit structured flowchart for the financial terminal business that the embodiment of the present invention two is provided；
Fig. 3 is the processing unit structured flowchart for the financial terminal business that the embodiment of the present invention three is provided；
Fig. 4 is the processing unit structured flowchart for the financial terminal business that the embodiment of the present invention four is provided；
Fig. 5 is the processing unit structured flowchart for the financial terminal business that the embodiment of the present invention five is provided；
Fig. 6 is the processing unit structured flowchart for the financial terminal business that the embodiment of the present invention six is provided；
Fig. 7 is the processing unit structured flowchart for the financial terminal business that the embodiment of the present invention seven is provided；
Fig. 8 is the processing unit structured flowchart for the financial terminal business that the embodiment of the present invention eight is provided；
Fig. 9 is the processing unit structured flowchart for the financial terminal business that the embodiment of the present invention nine is provided；
Figure 10 is the financial terminal structural representation that the embodiment of the present invention ten is provided.
Embodiment
In describing below, in order to illustrate rather than in order to limit, it is proposed that such as tool of particular system structure, technology etc
Body details, thoroughly to understand the embodiment of the present invention.However, it will be clear to one skilled in the art that there is no these specific
The present invention can also be realized in the other embodiments of details.In other situations, omit to well-known system, device, electricity
Road and the detailed description of method, in case unnecessary details hinders description of the invention.
In order to illustrate technical solutions according to the invention, illustrated below by specific embodiment.
Accompanying drawing 1-1 is referred to, is the implementation process of the processing method for the financial terminal business that the embodiment of the present invention one is provided
Schematic diagram.The method of accompanying drawing 1-1 examples can be applied to the financial terminal independently of bank or Unionpay.In embodiments of the present invention,
So-called financial terminal refers to that the financial terminal can be not belonging to any bank, not by any bank independently of bank
Institute is exclusive, and its network operator or owner can be any legal individual or entities, and bank is also included certainly, and financial terminal is only
Unionpay is stood on, refers to that the financial terminal can not be cooperated or network with Unionpay.Certainly, if there is bank to need to utilize the financial terminal
Its exclusive self-service terminal is built up, then need to only set up the network connection of the financial terminal and the bank and offer is corresponding
Service protocol, by the different service port numbers provided for every bank, the bank is realized using the control program of the financial terminal
Service protocol.The processing method of the financial terminal business of accompanying drawing 1-1 examples mainly includes the following steps that S101 to step S103, in detail
Carefully it is described as follows：
S101, the service bank list provided according to financial terminal obtains the user account institute of processes financial terminal traffic
Belong to bank.
In embodiments of the present invention, the service bank list that financial terminal is provided is listed and can provided by the financial terminal
The list of the bank of service, is also numbered accordingly including list.
As one embodiment of the invention, the service bank list provided according to financial terminal obtains processes financial terminal
The affiliated bank of user account of business can be：If the user of processes financial terminal traffic is without card trade user, it can pass through
Click of the user to the bank of human-computer interaction interface (User Interface, the UI) display of financial terminal, directly determines to handle
The affiliated bank of user account of financial terminal business.It should be noted that in embodiments of the present invention, the UI of financial terminal is shown
Bank must be belong to financial terminal offer service bank list listed by bank.
As another embodiment of the present invention, the service bank list provided according to financial terminal obtains processes financial terminal
The affiliated bank of user account of business can be：If the user of processes financial terminal traffic can lead to there is card trade user
The magnetic track information or chip information for the bank card for reading user's insertion financial terminal are crossed, and it is true according to magnetic track information or chip information
Bank belonging to the fixed bank card, so that it is determined that the affiliated bank of the user account of processes financial terminal traffic.Certainly, for there is card
Trade user, can also be as obtained the affiliated bank of its account without the method card trade user.It should be noted that for having
Card trade user, if by the reading to its bank card magnetic track information or chip information, determining that the affiliated bank of user account does not exist
The row for the service bank list that financial terminal is provided, then give the user " None- identified bank card " or " the machine do not open this temporarily
The prompting of bank service ".
In embodiments of the present invention, the service bank list provided according to financial terminal, obtains processes financial terminal traffic
The affiliated bank of user account before, just have built up and preserve service bank list to the database of financial terminal, also set up
And the accounts information of financial terminal is preserved to the database of financial terminal.The accounts information of financial terminal is all including financial terminal
Debt in the information for the account that person opens up in bank listed by service bank list, the account of financial terminal is the financial terminal
The owner possesses.
S102, sends to Encryption Keyboard and instructs, and the instruction is used to indicate the bank cipher using the affiliated bank of user account
The encrypted message that user inputs is encrypted, to obtain the encrypted message of user's input.
In embodiments of the present invention, if financial terminal needs the business that bank listed by the list of turn up service bank provides,
The financial terminal transaction processing system of the bank can be in advance installed, and download the bank cipher of the bank and be stored in financial terminal
In Encryption Keyboard.When user wants processes financial terminal traffic, this financial terminal business (example is handled by Encryption Keyboard input
Such as, enchashment gold) needed for password when, then equivalent to Encryption Keyboard send instruct.Encryption Keyboard is received after the instruction, that is, is referred to
Show that the encrypted message inputted using the bank cipher of the affiliated bank of user account to user is encrypted, it is defeated to obtain user
What is entered handles the encrypted message of this financial terminal business.
The encrypted message of S103, the type of service selected according to user and user's input, the corresponding gold of processing business type
Melt terminal traffic.
In embodiments of the present invention, financial terminal can provide processing type of service financial terminal ATM as it is similar,
It is main to include changing close, inquiry, enchashment, deposit and the business such as transfer accounts, carried out one by one with reference to following by accompanying drawing 1-2 to accompanying drawing 1-5
Explanation.
If the corresponding financial terminal business of type of service is changes close or inquiry business, the type of service selected according to user
With user input encrypted message, the corresponding financial terminal business of processing business type can as follows Sa1031 and
Sa1032 is realized：
Sa1031, according to the encrypted message of acquisition, the accounts information of user and the encrypted message obtained are sent to service
The affiliated bank of user account that bank's list is listed is verified.
As it was previously stated, the encrypted message obtained is that user handles this financial terminal business i.e. by what Encryption Keyboard was inputted
Change the encrypted message needed for close or inquiry business, specific acquisition process see mutually speaking on somebody's behalf for abovementioned steps S101 and S102
It is bright, do not repeat herein.The accounts information of user can be read after user performs plug-in card operation or input card number.
Certainly, financial terminal handle this change close or inquiry business when, can be configured according to the machine operation system ability,
Determine whether this financial terminal has the self-service professional ability for the bank card for handling the affiliated bank of the user account.
Sa1032, if being verified, the page returned according to the affiliated bank of user account, which is performed, changes close or inquiry operation.
The accounts information of user and the encrypted message of input by the affiliated bank validation of user account by rear, according to user's account
The page that the affiliated bank in family returns performs that to change for example existing financial terminal of close or inquiry operation similar, does not repeat.
If the corresponding financial terminal business of type of service is encashment service, the type of service selected according to user and user
The encrypted message of input, the corresponding financial terminal business of processing business type can as follows Sb1031 to Sb1033 it is real
It is existing：
Sb1031, obtains encashment service information needed.
In embodiments of the present invention, encashment service information needed includes enchashment total amount, the accounts information of user, finance eventually
The accounts information at end and the encrypted message of user, wherein, for user, this enchashment amount of money handles enchashment to enchashment total amount with this
The service charge sum that business is produced.
As it was previously stated, the encrypted message obtained is that user handles this financial terminal business i.e. by what Encryption Keyboard was inputted
Encrypted message needed for encashment service, specific acquisition process see abovementioned steps S101 and S102 related description, herein
Do not repeat.The accounts information of user can be read after user performs plug-in card operation or input card number.Certainly, financial terminal exists
It when handling this encashment service, can be configured according to the machine operation system ability, determine whether this financial terminal has processing should
The self-service professional ability of the bank card of the affiliated bank of user account.
Sb1032, encashment service information needed is sent to the affiliated bank of user account, so that the affiliated bank of user account
Scratched from the account of user after the amount of money equivalent with enchashment total amount, be transferred to the financial terminal owner listed by service bank list
The account that bank opens up.
Sb1033, if above-mentioned stroke of account and success of transferring accounts, performs note output operation, to spue with user this enchashment amount of money etc.
The cash of volume.
The account of drawing of this step refers to that the affiliated bank of user account scratches the gold equivalent with enchashment total amount from the account of user
Volume, transfers accounts and refers to that will draw the account gained amount of money is transferred to the account that the financial terminal owner opens up in bank listed by service bank list.
If above-mentioned encashment service failure, fail or do not count such as example, drawing account, unsuccessful, financial terminal note output of transferring accounts
Paper money, etc., then be divided into two kinds of situation processing：
A kind of situation is the cash spued when user operates not in contact with execution note output, in such cases, to user account institute
Category bank initiates the positive request of punching of transferring accounts, so that the affiliated bank of user account carries out the positive processing operation of punching of transferring accounts, specifically includes：Will be through
The encashment service information that step Sb1031 is obtained still is sent to the affiliated bank of user account, can use prior art to user's account
The affiliated bank in family initiates to carry out the processing request of transferred account service, is transferred to the account that account is user, produces account for financial terminal
Account be the financial terminal the owner account, be transferred to the amount of money for this enchashment amount of money of enchashment total amount i.e. user and this
Handle the service charge sum of encashment service generation.
Another situation is that user has contacted the cash for performing and being spued during note output operation, in this case, is carried to user
Show that paper money fails, while notifying user to be contacted with financial terminal attendant.
If the corresponding financial terminal business of type of service is deposit business, the type of service selected according to user and user
The encrypted message of input, the corresponding financial terminal business of processing business type can as follows Sc1031 to Sc1033 it is real
It is existing：
Sc1031, after the completion of counting, obtains deposit business information needed.
In embodiments of the present invention, deposit business information needed includes this amount deposited, this production of taking deposits
Raw service charge, the accounts information of user, the accounts information of financial terminal and the encrypted message of user.
As it was previously stated, the encrypted message obtained is that user handles this financial terminal business i.e. by what Encryption Keyboard was inputted
Encrypted message needed for deposit business, specific acquisition process see abovementioned steps S101 and S102 related description, herein
Do not repeat.The accounts information of user can be read after user performs plug-in card operation or input card number.Certainly, financial terminal exists
It when handling this deposit business, can be configured according to the machine operation system ability, determine whether this financial terminal has processing should
The self-service professional ability of the bank card of the affiliated bank of user account.
Sc1032, deposit business information needed is sent to the affiliated bank of user account, so that the affiliated bank of user account
Scratched from the financial terminal owner in the account that bank listed by service bank list opens up after the amount of money equivalent with difference, be transferred to use
The account at family, wherein, difference is the difference of this amount deposited and the service charge of this generation of taking deposits.
Sc1033, performs note input operation, the cash with this amount deposited single-candidate is included to the cash box of financial terminal.
Although it should be noted that financial terminal receives the cash with this amount deposited single-candidate when performing note input operation
Enter the cash box of financial terminal, but simply difference i.e. this amount deposited for being substantially transferred to of account of user handles deposit with this
The difference for the service charge that business is produced, the amount of money that actually keeps accounts can be less than or equal to that (such a situation, which corresponds to not producing this and handle, deposits
The service charge of money business) this amount deposited.
If the corresponding financial terminal business of type of service is transferred account service, the type of service selected according to user and user
The encrypted message of input, the corresponding financial terminal business of processing business type can Sd1031 and Sd1032 be real as follows
It is existing：
Sd1031, obtains transferred account service information needed.
In embodiments of the present invention, transferred account service information needed includes transferring accounts total amount, the accounts information of user, finance eventually
The accounts information at end and the encrypted message of user, wherein, total amount of transferring accounts is that user this transfer amounts are handled with this and transferred accounts
The service charge sum that business is produced.
As it was previously stated, the encrypted message obtained is that user handles this financial terminal business i.e. by what Encryption Keyboard was inputted
Encrypted message needed for transferred account service, specific acquisition process see abovementioned steps S101 and S102 related description, herein
Do not repeat.The accounts information of user can be read after user performs plug-in card operation or input card number.Certainly, financial terminal exists
It when handling this transferred account service, can be configured according to the machine operation system ability, determine whether this financial terminal has processing should
The self-service professional ability of the bank card of the affiliated bank of user account.
Sd1032, the target that transferred account service information needed is sent to transferred account service is transferred to silver-colored belonging to bank and user account
OK, so that the affiliated bank of user account is transferred to financial terminal after the equivalent amount of money of total amount is scratched and transferred accounts to the account of user
The account that the owner opens up in bank listed by service bank list, and so that target is transferred to bank and existed from the financial terminal owner
The account that bank listed by service bank list opens up is scratched after the amount of money equivalent with difference, is transferred to the account of user, wherein, difference
For this transfer amounts of user and this handle transferred account service generation service charge difference.
If it should be noted that above-mentioned transferred account service fails, the positive request of punching of transferring accounts is initiated to the affiliated bank of user account,
So that the affiliated bank of user account carries out the positive processing operation of punching of transferring accounts.Specifically include：The industry of transferring accounts that will be obtained through step Sd1031
Business information is still sent to the affiliated bank of user account, can initiate to be transferred accounts to the affiliated bank of user account using prior art
The processing request of business, is transferred to the account that account is user, produces institute of the account for the i.e. financial terminal of account of financial terminal
The account for the person of having, is transferred to the service charge sum that the amount of money handles encashment service generation for this transfer amounts of user with this.
It should be understood that the size of the sequence number of each step is not meant to the priority of execution sequence, each process in above-described embodiment
Execution sequence should determine that the implementation process without tackling the embodiment of the present invention constitutes any limit with its function and internal logic
It is fixed.
It was found from the processing method of the financial terminal business of above-mentioned accompanying drawing 1-1 examples, on the one hand, the clothes that financial terminal is provided
The list of business bank lists the list for the bank that service can be provided by the financial terminal, and therefore, service bank list is listed
Bank's list can the corresponding financial terminal business of processing business type, having provided the user general financial terminal can carry
The service of confession, technical scheme has universal applicability, thus user can experience convenience in processes financial terminal traffic；
On the other hand,, can also even if the bank card that user is held is not Unionpay user because financial terminal is independently of Unionpay or bank
The financial service of financial terminal offer is provided, or, due to the financial terminal, to be not belonging to any bank exclusive, as long as
User holds row of the affiliated bank of bank card in bank's list of service bank list, just can enjoy the financial terminal and carry
The financial service of confession, the convenience that financial business is handled is provided so as to the user coequally for more banks.
Corresponding to the processing method of the financial terminal business described in foregoing embodiments, Fig. 2 shows that the embodiment of the present invention is carried
The structured flowchart of the processing unit of the financial terminal business of confession, for convenience of description, illustrate only related to the embodiment of the present invention
Part.
Reference picture 2, the device is applied to the financial terminal independently of bank or Unionpay, is independently of the gold of bank or Unionpay
Melt terminal or applied to the module in the financial terminal independently of bank or Unionpay.The device of Fig. 2 examples includes first and obtained
Module 201, instruction sending module 202 and Service Processing Module 203, it is described further below：
First acquisition module 201, for the service bank list provided according to financial terminal, obtains processes financial terminal industry
The affiliated bank of user account of business, wherein, the list for the bank that service can be provided by financial terminal is listed in service bank list；
Instruction sending module 202, is instructed for being sent to Encryption Keyboard, and the instruction is used to indicate using belonging to user account
The encrypted message that the bank cipher of bank is inputted to user is encrypted, to obtain the encrypted message of user's input；
Service Processing Module 203, the encrypted message inputted for the type of service selected according to user and user, handles industry
The corresponding financial terminal business of service type.
The processing unit of the financial terminal business of the example of accompanying drawing 2 can also include the first preserving module 301 and second and preserve
The processing unit of module 302, as shown in Figure 3 the financial terminal business that the embodiment of the present invention three is provided, wherein：
First preserving module 301, the service bank list provided for the first acquisition module 201 according to financial terminal, is obtained
Take before the affiliated bank of user account of processes financial terminal traffic, set up and preserve service bank list；
Second preserving module 302, the service bank list provided for the first acquisition module 201 according to financial terminal, is obtained
Take before the affiliated bank of user account of processes financial terminal traffic, set up and preserve the accounts information of financial terminal, wherein, gold
Melting the accounts information of terminal includes the information for the account that the financial terminal owner opens up in bank listed by service bank list.
In the processing unit of the financial terminal business of the example of accompanying drawing 3, the corresponding financial terminal business of type of service includes changing
Close or inquiry business, Service Processing Module 303 can include the first transmitting element 401 and the first execution unit 402, such as accompanying drawing 4
The processing unit for the financial terminal business that the shown embodiment of the present invention four is provided, wherein：
First transmitting element 401, for the encrypted message according to acquisition, by the accounts information of user and the message in cipher obtained
Breath sends to the affiliated bank of user account and verified；
First execution unit 402, if for being verified, the page returned according to the affiliated bank of user account, which is performed, to be changed
Close or inquiry operation.
In the processing unit of the financial terminal business of the example of accompanying drawing 3, the corresponding financial terminal business of type of service includes taking
Existing business, Service Processing Module 303 can include second acquisition unit 501, the second transmitting element 502 and the second execution unit
503, as shown in Figure 5 the embodiment of the present invention five provide financial terminal business processing unit, wherein：
Second acquisition unit 501, for obtaining encashment service information needed, it is total that the encashment service information needed includes enchashment
The amount of money, the accounts information of user, the accounts information of financial terminal and the encrypted message of user, wherein, enchashment total amount is user
This enchashment amount of money handles the service charge sum of encashment service generation with this；
Second transmitting element 502, for encashment service information needed to be sent to the affiliated bank of user account, so that user
The affiliated bank of account is scratched from the account of user after the amount of money equivalent with enchashment total amount, is transferred to the financial terminal owner in service
The account that bank listed by bank's list opens up；
Second execution unit 503, if for above-mentioned stroke of account and success of transferring accounts, note output operation is performed, with discharge and user
The cash of this enchashment amount of money single-candidate.
In the processing unit of the financial terminal business of the example of accompanying drawing 5, if encashment service fails, the finance of the example of accompanying drawing 5
The processing unit of terminal traffic can also include the first request initiation module 601 and notification module 602, as shown in Figure 6 this hair
The processing unit for the financial terminal business that bright embodiment six is provided, wherein：
First request initiation module 601, if for user not in contact with the cash spued when performing note output operation, to user
The affiliated bank of account initiates the positive request of punching of transferring accounts, so that the affiliated bank of user account carries out the positive processing operation of punching of transferring accounts；
Notification module 602, if having contacted the cash for performing and being spued during note output operation for user, notifies user and finance
Terminal maintenance personnel contact.
In the processing unit of the financial terminal business of the example of accompanying drawing 3, the corresponding financial terminal business of type of service includes depositing
Money business, Service Processing Module 303 can include the 3rd acquiring unit 701, the 3rd transmitting element 702 and the 3rd execution unit
703, as shown in Figure 7 the embodiment of the present invention seven provide financial terminal business processing unit, wherein：
3rd acquiring unit 701, for after the completion of counting, needed for obtaining deposit business information needed, the deposit business
Information includes this amount deposited, the service charge of this generation of taking deposits, the accounts information of user, the account of financial terminal
Family information and the encrypted message of user；
3rd transmitting element 702, for deposit business information needed to be sent to the affiliated bank of user account, so that user
The affiliated bank of account scratches and difference equivalence from the financial terminal owner in the account that bank listed by service bank list opens up
After the amount of money, be transferred to the account of user, wherein, difference be this amount deposited and this generation of taking deposits service charge it
Difference；
3rd execution unit 703, for performing note input operation, includes financial whole by the cash with this amount deposited single-candidate
The cash box at end.
In the processing unit of the financial terminal business of the example of accompanying drawing 3, the corresponding financial terminal business of type of service includes turning
Account business, Service Processing Module 303 can include the 4th acquiring unit 801 and the 4th transmitting element 802, as shown in Figure 8 originally
The processing unit for the financial terminal business that inventive embodiments eight are provided, wherein：
4th acquiring unit 801, for obtaining transferred account service information needed, the transferred account service information needed includes transferring accounts always
The amount of money, the accounts information of user, the accounts information of financial terminal and the encrypted message of user, wherein, total amount of transferring accounts is user
This transfer amounts handles the service charge sum of transferred account service generation with this；
4th transmitting element 802, the target for transferred account service information needed to be sent to transferred account service be transferred to bank and
The affiliated bank of user account, the equivalent amount of money of total amount so that the affiliated bank of user account scratches and transferred accounts from the account of user
Afterwards, be transferred to the account that the financial terminal owner opens up in bank listed by service bank list, and so that target be transferred to bank from
The financial terminal owner is scratched in the account that bank listed by service bank list opens up after the amount of money equivalent with difference, is transferred to
The account of user, wherein, difference be this transfer amounts of user with this handle transferred account service produce service charge difference.
In the processing unit of the financial terminal business of the example of accompanying drawing 8, if transferred account service fails, the finance of the example of accompanying drawing 8
The processing unit of terminal traffic can also include the second request initiation module 901, and the embodiment of the present invention nine is provided as shown in Figure 9
Financial terminal business processing unit.Second request initiation module 901 is used to initiate punching of transferring accounts to the affiliated bank of user account
Positive request, so that the affiliated bank of user account carries out the positive processing operation of punching of transferring accounts.
Refer to accompanying drawing 10, a kind of financial terminal that the present invention is provided.Financial terminal 1000 independently of bank or Unionpay, its
It is probably the One function unit in computer equipment or computer equipment, the specific embodiment of the invention is not to financial terminal
Implement and limit.Financial terminal 1000 includes：
Processor (processor) 1010, communication interface (Communications Interface) 1020, memory
(memory) 1030, bus 1040.
Processor 1010, communication interface 1020, memory 1030 completes mutual communication by bus 1040.
Communication interface 1020, is used for and external device, for example, PC, server etc. communicate.
Processor 1010, for configuration processor 1032.
Specifically, program 1032 can include program code, and described program code includes computer-managed instruction.
Processor 1010 is probably a central processor CPU, or specific integrated circuit ASIC (Application
Specific Integrated Circuit), or it is arranged to implement one or more integrated electricity of the embodiment of the present invention
Road.
Memory 1030, for depositing program 1032.Memory 1030 may include high-speed RAM memory, it is also possible to also
Including nonvolatile memory (non-volatile memory), for example, at least one magnetic disk storage.Program 1032 specifically may be used
With including：
First acquisition module 10321, for the service bank list provided according to the financial terminal, obtains processes financial
The affiliated bank of user account of terminal traffic, the service bank list is listed can provide the silver of service by the financial terminal
Capable list；
Instruction sending module 10322, is instructed for being sent to Encryption Keyboard, described to instruct for indicating to use the user
The encrypted message that the bank cipher of the affiliated bank of account is inputted to the user is encrypted, to obtain the close of user's input
Code information；
Service Processing Module 10323, the encrypted message inputted for the type of service selected according to the user and user,
Handle the corresponding financial terminal business of the type of service.
It is apparent to those skilled in the art that, for convenience of description and succinctly, only with above-mentioned each work(
Energy unit, the division progress of module are for example, in practical application, as needed can distribute above-mentioned functions by different
Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completion
The all or part of function of description.Each functional unit, module in embodiment can be integrated in a processing unit, also may be used
To be that unit is individually physically present, can also two or more units it is integrated in a unit, it is above-mentioned integrated
Unit can both be realized in the form of hardware, it would however also be possible to employ the form of SFU software functional unit is realized.In addition, each function list
Member, the specific name of module are also only to facilitate mutually differentiation, is not limited to the protection domain of the application.Said system
The specific work process of middle unit, module, may be referred to the corresponding process in preceding method embodiment, will not be repeated here.
In the above-described embodiments, the description to each embodiment all emphasizes particularly on different fields, without detailed description or note in some embodiment
The part of load, may refer to the associated description of other embodiments.
Those of ordinary skill in the art are it is to be appreciated that the list of each example described with reference to the embodiments described herein
Member and algorithm steps, can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
Performed with hardware or software mode, depending on the application-specific and design constraint of technical scheme.Professional and technical personnel
Described function can be realized using distinct methods to each specific application, but this realization is it is not considered that exceed
The scope of the present invention.
In embodiment provided by the present invention, it should be understood that disclosed apparatus and method, others can be passed through
Mode is realized.For example, system embodiment described above is only schematical, for example, the division of the module or unit,
It is only a kind of division of logic function, there can be other dividing mode when actually realizing, such as multiple units or component can be with
With reference to or be desirably integrated into another system, or some features can be ignored, or not perform.It is another, it is shown or discussed
Coupling each other or direct-coupling or communication connection can be by some interfaces, the INDIRECT COUPLING of device or unit or
Communication connection, can be electrical, machinery or other forms.
The unit illustrated as separating component can be or may not be it is physically separate, it is aobvious as unit
The part shown can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple
On NE.Some or all of unit therein can be selected to realize the mesh of this embodiment scheme according to the actual needs
's.
In addition, each functional unit in each embodiment of the invention can be integrated in a processing unit, can also
That unit is individually physically present, can also two or more units it is integrated in a unit.Above-mentioned integrated list
Member can both be realized in the form of hardware, it would however also be possible to employ the form of SFU software functional unit is realized.
If the integrated unit is realized using in the form of SFU software functional unit and as independent production marketing or used
When, it can be stored in a computer read/write memory medium.Understood based on such, the technical scheme of the embodiment of the present invention
The part substantially contributed in other words to prior art or all or part of the technical scheme can be with software products
Form embody, the computer software product is stored in a storage medium, including some instructions are to cause one
Computer equipment (can be personal computer, server, or network equipment etc.) or processor (processor) perform this hair
The all or part of step of each embodiment methods described of bright embodiment.And foregoing storage medium includes：USB flash disk, mobile hard disk,
Read-only storage (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic
Dish or CD etc. are various can be with the medium of store program codes.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although with reference to foregoing reality
Example is applied the present invention is described in detail, it will be understood by those within the art that：It still can be to foregoing each
Technical scheme described in embodiment is modified, or carries out equivalent substitution to which part technical characteristic；And these are changed
Or replace, the essence of appropriate technical solution is departed from the spirit and scope of various embodiments of the present invention technical scheme, all should
Within protection scope of the present invention.
Claims (17)
1. a kind of processing method of financial terminal business, it is characterised in that methods described is applied to independently of bank or Unionpay
Financial terminal, methods described includes：
The service bank list provided according to the financial terminal, obtains silver belonging to the user account of processes financial terminal traffic
OK, the list for the bank that service can be provided by the financial terminal is listed in the service bank list；
Send and instruct to Encryption Keyboard, it is described to instruct for indicating the bank cipher using the affiliated bank of the user account to institute
The encrypted message for stating user's input is encrypted, to obtain the encrypted message of user's input；
The encrypted message that the type of service selected according to the user and user input, handles the corresponding finance of the type of service
Terminal traffic.
2. the processing method of financial terminal business as claimed in claim 1, it is characterised in that described according to the financial terminal
Before the service bank list of offer, the affiliated bank of user account for obtaining processes financial terminal traffic, methods described also includes：
Set up and preserve the service bank list；
The accounts information of the financial terminal is set up and preserves, the accounts information of the financial terminal includes the financial terminal institute
The information for the account that the person of having opens up in bank listed by the service bank list.
3. the processing method of financial terminal business as claimed in claim 2, it is characterised in that the corresponding gold of the type of service
Melting terminal traffic includes changing close or inquiry business, the message in cipher that the type of service selected according to the user and user input
Breath, handles the corresponding financial terminal business of the type of service, including：
According to the encrypted message of the acquisition, the encrypted message of the accounts information of the user and the acquisition is sent to described
The affiliated bank of user account is verified；
If being verified, the page returned according to the affiliated bank of the user account, which is performed, changes close or inquiry operation.
4. the processing method of financial terminal business as claimed in claim 2, it is characterised in that the corresponding gold of the type of service
Melting terminal traffic includes encashment service, the encrypted message that the type of service selected according to the user and user input, place
The corresponding financial terminal business of the type of service is managed, including：
Encashment service information needed is obtained, the encashment service information needed includes enchashment total amount, the account of the user and believed
Breath, the accounts information of the financial terminal and the encrypted message of the user, for the user, this takes the enchashment total amount
Amount in cash handles the service charge sum of encashment service generation with this；
The encashment service information needed is sent to the affiliated bank of the user account, so that the affiliated bank of the user account
Scratched from the account of the user after the amount of money equivalent with the enchashment total amount, be transferred to the financial terminal owner described
The account that bank listed by service bank list opens up；
If above-mentioned stroke of account and success of transferring accounts, note output operation is performed, to spue and this enchashment amount of money single-candidate of the user shows
Paper money.
5. the processing method of financial terminal business as claimed in claim 4, it is characterised in that if the encashment service fails,
Then methods described also includes：
If the cash spued when the user is not in contact with the execution note output operation, to the user account, affiliated bank initiates
The positive request of punching of transferring accounts, so that the affiliated bank of the user account carries out the positive processing operation of punching of transferring accounts；
If the user has contacted the cash spued during the execution note output operation, the user and the financial terminal are notified
Attendant contacts.
6. the processing method of financial terminal business as claimed in claim 2, it is characterised in that the corresponding gold of the type of service
Melting terminal traffic includes deposit business, the encrypted message that the type of service selected according to the user and user input, place
The corresponding financial terminal business of the type of service is managed, including：
After the completion of counting, deposit business information needed is obtained, the deposit business information needed includes this amount deposited, sheet
Service charge, the accounts information of the user, the accounts information of the financial terminal and the use of secondary generation of taking deposits
The encrypted message at family；
The deposit business information needed is sent to the affiliated bank of the user account, so that the affiliated bank of the user account
The amount of money equivalent with difference is scratched in the account that bank listed by the service bank list opens up from the financial terminal owner
Afterwards, the account of the user is transferred to, the difference is this described amount deposited and the formality of this generation of taking deposits
The difference taken；
Note input operation is performed, the cash with this amount deposited single-candidate is included to the cash box of the financial terminal.
7. the processing method of financial terminal business as claimed in claim 2, it is characterised in that the corresponding gold of the type of service
Melting terminal traffic includes transferred account service, the encrypted message that the type of service selected according to the user and user input, place
The corresponding financial terminal business of the type of service is managed, including：
Transferred account service information needed is obtained, the transferred account service information needed includes transfer accounts total amount, the account of user letter
Breath, the accounts information of the financial terminal and the encrypted message of the user, the total amount of transferring accounts is described this turn of user
The account amount of money handles the service charge sum of transferred account service generation with this；
The transferred account service information needed is sent to the target of transferred account service and is transferred to bank and the affiliated bank of the user account,
So that the affiliated bank of user account is scratched with after the equivalent amount of money of total amount of transferring accounts, being transferred to from the account of the user
The account that the financial terminal owner opens up in bank listed by the service bank list, and so that the target is transferred to silver
Row scratches the gold equivalent with difference from the financial terminal owner in the account that bank listed by the service bank list opens up
After volume, the account of the user is transferred to, the difference is that this transfer amounts of the user handle transferred account service generation with this
Service charge difference.
8. the processing method of financial terminal business as claimed in claim 7, it is characterised in that if the transferred account service fails,
Then methods described also includes：
The positive request of punching of transferring accounts is initiated to the affiliated bank of the user account, so that the affiliated bank of the user account carries out punching of transferring accounts
Positive processing operation.
9. a kind of processing unit of financial terminal business, it is characterised in that described device is applied to independently of bank or Unionpay
Financial terminal, described device includes：
First acquisition module, for the service bank list provided according to the financial terminal, obtains processes financial terminal traffic
The affiliated bank of user account, the service bank list list can by the financial terminal provide service bank name
It is single；
Instruction sending module, is instructed for being sent to Encryption Keyboard, described to instruct for indicating using belonging to the user account
The encrypted message that the bank cipher of bank is inputted to the user is encrypted, to obtain the encrypted message of user's input；
Service Processing Module, the encrypted message inputted for the type of service selected according to the user and user, processing is described
The corresponding financial terminal business of type of service.
10. the processing unit of financial terminal business as claimed in claim 9, it is characterised in that described device also includes：
First preserving module, the service bank list provided for first acquisition module according to the financial terminal is obtained
Before the affiliated bank of user account of processes financial terminal traffic, set up and preserve the service bank list；
Second preserving module, the service bank list provided for first acquisition module according to the financial terminal is obtained
Before the affiliated bank of user account of processes financial terminal traffic, the accounts information of the financial terminal is set up and preserves, it is described
The accounts information of financial terminal includes the account that the financial terminal owner opens up in bank listed by the service bank list
Information.
11. the processing unit of financial terminal business as claimed in claim 10, it is characterised in that the type of service is corresponding
Financial terminal business includes changing close or inquiry business, and the Service Processing Module includes：
First transmitting element, for the encrypted message according to the acquisition, by the accounts information of the user and the acquisition
Encrypted message sends to the affiliated bank of the user account and verified；
First execution unit, if for being verified, the page returned according to the affiliated bank of the user account, which is performed, changes close
Or inquiry operation.
12. the processing unit of financial terminal business as claimed in claim 10, it is characterised in that the type of service is corresponding
Financial terminal business includes encashment service, and the Service Processing Module includes：
Second acquisition unit, for obtaining encashment service information needed, the encashment service information needed include enchashment total amount,
The encrypted message of the accounts information of the user, the accounts information of the financial terminal and the user, the enchashment total amount
The service charge sum of encashment service generation is handled with this for this enchashment amount of money of the user；
Second transmitting element, for the encashment service information needed to be sent to the affiliated bank of the user account, so that institute
State the affiliated bank of user account to scratch from the account of the user after the amount of money equivalent with the enchashment total amount, be transferred to the gold
Melt the account that Terminal owner opens up in bank listed by the service bank list；
Second execution unit, if for above-mentioned stroke of account and transferring accounts success, performs note output operation, with spue with the user this
The cash of enchashment amount of money single-candidate.
13. the processing unit of financial terminal business as claimed in claim 12, it is characterised in that if the encashment service is lost
Lose, then described device also includes：
First request initiation module, if the cash spued when being operated for the user not in contact with the execution note output, to institute
State the affiliated bank of user account and initiate the positive request of punching of transferring accounts, so that the affiliated bank of the user account carries out the positive processing behaviour of punching that transfers accounts
Make；
Notification module, if the cash spued when having contacted the execution note output operation for the user, notifies the user
Contacted with the financial terminal attendant.
14. the processing unit of financial terminal business as claimed in claim 10, it is characterised in that the type of service is corresponding
Financial terminal business includes deposit business, and the Service Processing Module includes：
3rd acquiring unit, for after the completion of counting, obtaining deposit business information needed, the deposit business information needed bag
Include this amount deposited, the service charge of this generation of taking deposits, the accounts information of the user, the financial terminal
Accounts information and the encrypted message of the user；
3rd transmitting element, for the deposit business information needed to be sent to the affiliated bank of the user account, so that institute
The affiliated bank of user account is stated to draw in the account that bank listed by the service bank list opens up from the financial terminal owner
Go after the amount of money equivalent with difference, be transferred to the account of the user, the difference is that this described amount deposited is handled with this
The difference for the service charge that deposit business is produced；
3rd execution unit, for performing note input operation, the finance is included by the cash with this amount deposited single-candidate
The cash box of terminal.
15. the processing unit of financial terminal business as claimed in claim 10, it is characterised in that the type of service is corresponding
Financial terminal business includes transferred account service, and the Service Processing Module includes：
4th acquiring unit, for obtaining transferred account service information needed, the transferred account service information needed include transferring accounts total amount,
The encrypted message of the accounts information of the user, the accounts information of the financial terminal and the user, the total amount of transferring accounts
The service charge sum of transferred account service generation is handled with this for this transfer amounts of the user；
4th transmitting element, bank is transferred to and described for the transferred account service information needed to be sent to the target of transferred account service
The affiliated bank of user account, so that the affiliated bank of the user account scratches and the total amount of transferring accounts from the account of the user
After the equivalent amount of money, the account that the financial terminal owner opens up in bank listed by the service bank list is transferred to, and
So that the target is transferred to the account that bank opens up from the financial terminal owner in bank listed by the service bank list
Scratch after the amount of money equivalent with difference, be transferred to the account of the user, the difference is this transfer amounts of the user and this
The difference of the secondary service charge for handling transferred account service generation.
16. the processing unit of financial terminal business as claimed in claim 15, it is characterised in that if the transferred account service loses
Lose, then described device also includes：
Second request initiation module, for initiating the positive request of punching of transferring accounts to the affiliated bank of the user account, so that the user
The affiliated bank of account carries out the positive processing operation of punching of transferring accounts.
17. a kind of financial terminal, it is characterised in that the financial terminal includes independently of bank or Unionpay, the financial terminal：
Processor, communication interface, memory and bus, the processor, the communication interface and the memory pass through the bus
Complete mutual communication；
The communication interface, is used for and communicating with external device；
The processor, for configuration processor；
The memory, for depositing described program；
Described program includes：
First acquisition module, for the service bank list provided according to the financial terminal, obtains processes financial terminal traffic
The affiliated bank of user account, the service bank list list can by the financial terminal provide service bank name
It is single；
Instruction sending module, is instructed for being sent to Encryption Keyboard, described to instruct for indicating using belonging to the user account
The encrypted message that the bank cipher of bank is inputted to the user is encrypted, to obtain the encrypted message of user's input；
Service Processing Module, the encrypted message inputted for the type of service selected according to the user and user, processing is described
The corresponding financial terminal business of type of service.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2017/082034 WO2018195822A1 (en) | 2017-04-26 | 2017-04-26 | Method and device for processing financial terminal transactions, and financial terminal |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN107223274A true CN107223274A (en) | 2017-09-29 |
| CN107223274B CN107223274B (en) | 2019-10-11 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201780000561.3A Active CN107223274B (en) | 2017-04-26 | 2017-04-26 | Processing method, device and the financial terminal of financial terminal business |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN107223274B (en) |
| WO (1) | WO2018195822A1 (en) |
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| CN111583550A (en) * | 2020-04-27 | 2020-08-25 | 中国银行股份有限公司 | Medium-free deposit transaction method and device, computer equipment and readable storage medium |
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| CN111583550A (en) * | 2020-04-27 | 2020-08-25 | 中国银行股份有限公司 | Medium-free deposit transaction method and device, computer equipment and readable storage medium |
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Also Published As
| Publication number | Publication date |
|---|---|
| CN107223274B (en) | 2019-10-11 |
| WO2018195822A1 (en) | 2018-11-01 |
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