CN111985913A - Card-free transaction method and device and server - Google Patents
Card-free transaction method and device and server Download PDFInfo
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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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
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Abstract
A card-free transaction method, a device and a server are provided, and the method comprises the following steps: receiving transaction information input by a user; generating an identification mark corresponding to the transaction, wherein the identification mark comprises transaction information; displaying the identification mark to an identification device of the ATM; performing identity authentication on a user, wherein the identity authentication comprises the simultaneous authentication of a password and a fingerprint input by the user; and if the transaction request passes the identity authentication, displaying the transaction request success information. On one hand, the user is not required to carry a bank card when the ATM is used, so that the convenience of the ATM is improved, and on the other hand, the user does not need to input a password on the ATM, so that the safety of the user for operating the ATM is improved, and the account safety risk of the user is reduced.
Description
Technical Field
The invention relates to the field of financial security, in particular to a card-free transaction method, a card-free transaction device and a card-free transaction server.
Background
At present, when a user carries out operations such as withdrawing money and the like through an ATM (automatic teller machine), a bank card is inserted firstly, and a password is input on the ATM, so that the withdrawing money operation can be realized. With the rapid development of network finance and mobile internet, various banks have introduced software such as network banks and mobile phone banks, and users can also realize functions such as account transfer through the software.
In the prior art, when a user performs operations such as withdrawing money on an ATM, a password needs to be input on the ATM, and a lawless person may steal the password of the user by using a keyboard film and other means, so that great risk is brought to an account of the user.
There is a need for a new method to increase the security of ATM operations and reduce the security risk of a user's account.
Disclosure of Invention
In order to improve the security of the operation of the ATM, an embodiment of the present invention provides a card-less transaction method, which is suitable for a terminal whose screen can perform fingerprint acquisition, and the card-less transaction method includes: receiving transaction information input by a user; generating an identification mark corresponding to the transaction, wherein the identification mark comprises transaction information; displaying the identification mark to an identification device of the ATM; performing identity authentication on a user, wherein the identity authentication comprises the simultaneous authentication of a password and a fingerprint input by the user; and if the transaction request passes the identity authentication, displaying the transaction request success information.
Optionally, the identification mark comprises a two-dimensional code or a bar code.
Optionally, the transaction comprises a deposit or withdrawal.
Optionally, different types of identifying information are generated for different transaction content.
Optionally, the authenticating the user includes: receiving a digital password input by a user on a terminal screen; acquiring a user fingerprint during a period in which a user inputs a digital password; sending the digital password input by the user to a server; sending the acquired fingerprint to a server; and judging whether the user passes the identity authentication according to the authentication confirmation information sent by the server.
Optionally, the obtaining of the user fingerprint during the user entering the digital password comprises: as the user enters each numeric password, the user's fingerprint is acquired.
Optionally, the acquired fingerprint of the user is a fingerprint of one finger or fingerprints of a plurality of fingers of the user.
Optionally, the authenticating the user includes: receiving a gesture graphic password input by a user through sliding fingers on a terminal screen; acquiring a user fingerprint during the input of the gesture graphic password by the user; sending the gesture graphic password input by the user to a server; sending the acquired fingerprint to a server; and judging whether the user passes the identity authentication according to the authentication confirmation information sent by the server.
Optionally, the obtaining of the user fingerprint during the user entering the password comprises: and when the user starts inputting the gesture graphic password or finishes inputting the gesture graphic password, acquiring the fingerprint of the user.
The embodiment of the invention provides a card-free transaction method, which is suitable for a server storing one or more fingerprint templates and passwords of a user, and comprises the following steps: receiving a password and a fingerprint acquired by a terminal, wherein the password acquired by the terminal comprises a digital password or a gesture graphic password; verifying whether the password and the fingerprint acquired by the terminal are matched with the stored password and fingerprint template; and if the transaction request is matched with the transaction request, sending transaction request success information to the terminal.
Optionally, the card-less transaction method further comprises: receiving transaction request information sent by the ATM; and after the identity authentication and the data processing are finished, sending a transaction execution instruction to the ATM according to the transaction request information.
Optionally, the verifying whether the password and the fingerprint acquired by the terminal match the stored password and fingerprint template includes: verifying whether the acquired digital password matches the stored digital password and whether the acquired one or more fingerprints match one or more fingerprint templates of the user stored in the terminal; or verifying whether the acquired gesture graphic password matches the stored gesture graphic password and whether the acquired one or more fingerprints match one or more fingerprint templates of the user stored in the terminal.
The embodiment of the invention also provides a card-free transaction device, which comprises a memory and a processor, wherein the memory is stored with a computer program capable of running on the processor, and the processor executes the program to realize the steps in the card-free transaction method.
An embodiment of the present invention further provides a server, which includes a memory and a processor, where the memory stores thereon a computer program operable on the processor, and one or more fingerprint templates and passwords of a user, and the processor implements the steps in the card-less transaction method when executing the program.
Compared with the prior art, the technical scheme of the embodiment of the invention has the following advantages:
in the embodiment of the invention, the user can realize operations such as depositing and withdrawing without inserting a card into the ATM or inputting a password on the ATM. On one hand, the user is not required to carry a bank card when the ATM is used, so that the convenience of the ATM is improved, and on the other hand, the user does not need to input a password on the ATM, so that the safety of the user for operating the ATM is improved, and the account safety risk of the user is reduced.
Further, in the cardless transaction method, the user is authenticated, which includes simultaneously authenticating a password and a fingerprint input by the user. By adopting a password and fingerprint double-verification mode, the safety of the card-free transaction method can be further improved.
Drawings
FIG. 1 is a flow chart of a cardless transaction method according to an embodiment of the present invention;
FIG. 2 is a flow chart of a cardless transaction method according to an embodiment of the invention;
FIG. 3 is a schematic structural diagram of a card-less transaction apparatus according to an embodiment of the present invention; and
fig. 4 is a flowchart of a server according to an embodiment of the present invention.
Detailed Description
In the embodiment of the present invention, the terminal capable of performing fingerprint recognition on the screen may include various types of smart devices such as a Mobile phone, a tablet computer, a Personal Digital Assistant (PDA), a Mobile Internet Device (MID), and the like.
Referring to fig. 1, fig. 1 is a schematic flowchart of an authentication method provided in an embodiment of the present invention, where the method is applied to a terminal side. In the embodiment shown in fig. 1, the terminal has a screen capable of fingerprint recognition, is capable of running client software, and communicates with the line server through the mobile internet. The ATM can communicate with the server through an intranet of a bank.
In S11, transaction information input by the user is received.
In some embodiments, the user enters the transaction information on the client software of the terminal. Specifically, a user logs in a personal account on client software of a terminal, wherein the personal account is a bank account of the user and has a unique identification number; the client software can be a mobile phone bank of a large bank, a third party payment platform or a network financial account, and a user can perform various transactions such as transfer and deposit and withdrawal on the client.
In one embodiment, a user can select to carry out ATM withdrawal operation through a terminal and input transaction information, specifically, the transaction information input by the user can comprise a transaction amount, such as one ten thousand yuan, and the transaction information can also comprise whether cross-bank transaction is carried out, a target transaction bank and the like.
At S12, an identifier corresponding to the current transaction is generated, and the identifier includes transaction information.
In some embodiments, the terminal may generate the identification from the transaction information. In particular, the identification mark may be a two-dimensional code or a bar code. The transaction information may include the transaction amount input by the user, and may also include, but is not limited to, the personal account identification number of the user, real-time, and other information.
In some embodiments, after receiving the transaction information input by the user, the terminal may send transaction reference information including the transaction information to the background server, and after receiving the transaction reference information, the background server may send transaction feedback information to the terminal, where the transaction feedback information at least includes the transaction reference information and the identification number of the transaction. And then, the terminal generates an identification mark corresponding to the transaction according to the transaction feedback information.
In some embodiments, the terminal may generate different types of identification information for different transaction content. For example, for the same bank withdrawal and for the cross-bank withdrawal, the terminal may generate identification information corresponding to different banks.
In S13, the identification is presented to the identification device of the ATM.
In some embodiments, the identification device may be a scanning module of the ATM, such as a camera, which may resolve the identification. The ATM has a unique identification number.
In some embodiments, the algorithm by which the ATM resolves the signature corresponds to the algorithm by which the signature was generated.
At S14, the user is authenticated, which includes simultaneously authenticating the password entered by the user and the fingerprint.
In some embodiments, the terminal authenticates the user before the ATM performs the transaction. In particular, the authentication step may be performed after the terminal produces the identification mark or before the user inputs the transaction information, that is, the present invention does not limit the execution sequence of the authentication step.
The user-entered password may include a numeric password as well as a gesture graphical password.
In some embodiments, said authenticating the user comprises: receiving a digital password input by a user on a terminal screen; acquiring a user fingerprint during a period in which a user inputs a digital password; sending the digital password input by the user to a server; sending the acquired fingerprint to a server; and judging whether the user passes the identity authentication or not according to the authentication confirmation information sent by the server.
Specifically, the user may enter a numeric password, for example, "12345", on the screen of the terminal. The terminal may acquire the user's fingerprint during the digital password input by clicking on the terminal screen. Specifically, as the user enters each numeric password, the user fingerprint is acquired. That is, during the password input, the terminal collects the user's fingerprint each time the user clicks the terminal screen.
In some embodiments, the user fingerprint acquired by the terminal is a fingerprint of a finger or fingerprints of multiple fingers of the user. Specifically, the user may enter the password with one finger during the password input, for example, the user inputs the five-digit password of "12345" with the index finger. The user may also enter the password through a plurality of fingers, for example, the user enters "1" using the thumb, enters "2" using the index finger, and so on, at which time the terminal may acquire the fingerprints of the plurality of fingers of the user. The terminal carries out authentication by acquiring a plurality of fingerprints of the user, the difficulty that lawbreakers steal the fingerprints of the user to pass the fingerprint authentication is increased, and the security of the authentication of the intelligent terminal is further improved.
After the digital password and the fingerprint input by the user are obtained, the digital password and the fingerprint are sent to a server. And judging whether the user passes the identity authentication according to the authentication confirmation information sent by the server.
In some embodiments, said authenticating the user comprises: receiving a gesture graphic password input by a user through sliding fingers on a terminal screen; acquiring a user fingerprint during the input of the gesture graphic password by the user; sending the gesture graphic password input by the user to a server; sending the acquired fingerprint to a server; and judging whether the user passes the identity authentication or not according to the authentication confirmation information sent by the server.
When a user needs to perform authentication, for example, in the case that the user performs operations such as payment and unlocking, the user may input a gesture graphic password on a screen of the terminal, and specifically, the user slides a finger on the screen to form a gesture graphic.
In some embodiments, acquiring the user fingerprint during the user entering the password comprises: and when the user starts inputting the gesture graphic password or finishes inputting the gesture graphic password, acquiring the fingerprint of the user. Specifically, when the user inputs the gesture graphic password, the finger is in a sliding state, and therefore, the terminal acquires the user fingerprint when the user starts inputting or finishes inputting the gesture graphic password.
After acquiring the gesture graphic password and the fingerprint input by the user, sending the gesture graphic password and the fingerprint to a server. And judging whether the user passes the identity authentication according to the authentication confirmation information sent by the server.
In S15, if the authentication is passed, a transaction request success message is displayed.
And if the verification confirmation information sent by the server shows that the user passes the identity verification and the background financial accounting and authentication of the bank, displaying the successful information of the transaction request on a terminal screen.
Referring to fig. 2, fig. 2 is a schematic flow chart of a card-less transaction method according to an embodiment of the present invention, where the method is applied to a server side. The server stores one or more fingerprint templates and passwords for the user.
In S21, a password acquired by the terminal is received, where the password acquired by the terminal includes a numeric password or a gesture graphic password.
In S22, it is verified whether the password and the fingerprint acquired by the terminal match the stored password and fingerprint template.
Specifically, verifying whether the acquired digital password matches the stored digital password and whether the acquired one or more fingerprints match one or more fingerprint templates of the user stored in the terminal; or verifying whether the acquired gesture graphic password matches the stored gesture graphic password and whether the acquired one or more fingerprints match one or more fingerprint templates of the user stored in the terminal.
In some embodiments, after receiving the digital password input by the user, the server compares the digital password input by the user with the stored digital password, thereby verifying whether the digital password input by the user is correct.
In some embodiments, after receiving the gesture graphic password input by the user, the server compares the gesture graphic password input by the user with the stored gesture graphic password, thereby verifying whether the gesture graphic password input by the user is correct.
In some embodiments, the server may verify whether the acquired one or more fingerprints match one or more fingerprint templates of the user stored in the terminal. Specifically, after acquiring the fingerprint of the user, the server may compare the acquired fingerprint of the user with the stored fingerprint template, so as to verify whether the fingerprint input by the user matches the fingerprint template corresponding to the user. If the fingerprints of a plurality of fingers of the user are acquired, the fingerprints of the plurality of fingers are compared with the corresponding fingerprint templates one by one.
In S23, if there is a match, a transaction request success message is sent to the terminal.
In some embodiments, if the matching is successful and the identity is verified, the server sends a transaction request success message to the terminal. If the authentication fails, the transaction request is sent to the terminal unsuccessfully, the terminal is prompted to carry out authentication again, and after the authentication fails for multiple times, the account is stopped to carry out any operation within a certain time.
In some embodiments, the cardless transaction method further comprises: receiving transaction request information sent by the ATM; and after the identity authentication and the data processing are finished, sending a transaction execution instruction to the ATM according to the transaction request information.
Specifically, after the ATM analyzes the identification mark, transaction request information is sent to the server. And after the server completes the identity authentication and data processing, sending a transaction execution instruction to the ATM according to the transaction request information. The data processing comprises background financial accounting and authentication. And after receiving the transaction execution instruction, the ATM performs corresponding transaction operation, such as sending out ten thousand yuan of bills.
Referring to fig. 3, fig. 3 is a schematic structural diagram of a card-less transaction apparatus according to an embodiment of the present invention. The device comprises a memory 31 and a processor 32, wherein the memory 31 stores a computer program which can run on the processor 32, and the processor 32 executes the program to realize the steps in the card-free transaction method. The memory 31 may include: ROM, RAM, magnetic or optical disks, and the like. Please refer to the above description related to fig. 1 for the steps of the card-less transaction method, which is not described herein again.
Referring to fig. 4, fig. 4 is a schematic flowchart of a server according to an embodiment of the present invention. Comprising a memory 41 and a processor 42, said memory 41 having stored thereon a computer program operable on said processor 42, and one or more fingerprint templates and a password for a user, characterized in that said processor 42 implements the steps of said cardless transaction method when executing said program. The memory 41 may include: ROM, RAM, magnetic or optical disks, and the like. Please refer to the above description related to fig. 2 for the steps of the card-less transaction method, which is not described herein again.
Although the present invention is disclosed above, the present invention is not limited thereto. Various changes and modifications may be effected therein by one skilled in the art without departing from the spirit and scope of the invention as defined in the appended claims.
Claims (14)
1. A card-free transaction method is characterized in that the method is suitable for a terminal with a screen capable of collecting fingerprints,
the card-free transaction method comprises the following steps:
receiving transaction information input by a user;
generating an identification mark corresponding to the transaction, wherein the identification mark comprises transaction information;
displaying the identification mark to an identification device of the ATM;
Performing identity authentication on a user, wherein the identity authentication comprises the simultaneous authentication of a password and a fingerprint input by the user; and
and if the authentication is passed, displaying the successful information of the transaction request.
2. The cardless transaction method of claim 1, wherein the identification mark comprises a two-dimensional code or a bar code.
3. The cardless transaction method of claim 1, wherein the transaction comprises a deposit or withdrawal.
4. The cardless transaction method of claim 1, wherein different types of identification information are generated for different transaction contents.
5. The cardless transaction method of claim 1, wherein the authenticating the user comprises:
receiving a digital password input by a user on a terminal screen;
acquiring a user fingerprint during a period in which a user inputs a digital password;
sending the digital password input by the user to a server;
sending the acquired fingerprint to a server; and
and judging whether the user passes the identity authentication according to the authentication confirmation information sent by the server.
6. The cardless transaction method of claim 5, wherein obtaining the user fingerprint during the user's input of the digital password comprises:
As the user enters each numeric password, the user's fingerprint is acquired.
7. The cardless transaction method of claim 5, wherein the acquired user fingerprint is a fingerprint of a finger or fingerprints of multiple fingers of the user.
8. The cardless transaction method of claim 1, wherein the authenticating the user comprises:
receiving a gesture graphic password input by a user through sliding fingers on a terminal screen;
acquiring a user fingerprint during the input of the gesture graphic password by the user;
sending the gesture graphic password input by the user to a server;
sending the acquired fingerprint to a server; and
and judging whether the user passes the identity authentication according to the authentication confirmation information sent by the server.
9. The cardless transaction method of claim 8, wherein obtaining the user fingerprint during the user's password entry comprises:
and when the user starts inputting the gesture graphic password or finishes inputting the gesture graphic password, acquiring the fingerprint of the user.
10. A card-less transaction method adapted to a server storing one or more fingerprint templates and a password of a user, the card-less transaction method comprising:
Receiving a password and a fingerprint acquired by a terminal, wherein the password acquired by the terminal comprises a digital password or a gesture graphic password;
verifying whether the password and the fingerprint acquired by the terminal are matched with the stored password and fingerprint template; and
and if the transaction request is matched with the transaction request, sending transaction request success information to the terminal.
11. The cardless transaction method of claim 10, further comprising:
receiving transaction request information sent by the ATM; and
and after the identity authentication and the data processing are finished, sending a transaction execution instruction to the ATM according to the transaction request information.
12. The card-less transaction method of claim 10, wherein the verifying whether the password and the fingerprint obtained by the terminal match the stored password and the fingerprint template comprises:
verifying whether the acquired digital password matches the stored digital password and whether the acquired one or more fingerprints match one or more fingerprint templates of the user stored in the terminal; or verifying whether the acquired gesture graphic password matches the stored gesture graphic password and whether the acquired one or more fingerprints match one or more fingerprint templates of the user stored in the terminal.
13. A card-less transaction apparatus comprising a memory and a processor, the memory having stored thereon a computer program operable on the processor, wherein the processor, when executing the program, implements the steps of the card-less transaction method of claims 1 to 9.
14. A server comprising a memory and a processor, the memory having stored thereon a computer program operable on the processor, and one or more fingerprint templates and a password for a user, wherein the processor, when executing the program, implements the steps in the cardless transaction method of claims 10 to 12.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910443637.0A CN111985913A (en) | 2019-05-24 | 2019-05-24 | Card-free transaction method and device and server |
| PCT/CN2019/102991 WO2020237871A1 (en) | 2019-05-24 | 2019-08-28 | Cardless transaction method, apparatus and server |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910443637.0A CN111985913A (en) | 2019-05-24 | 2019-05-24 | Card-free transaction method and device and server |
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| CN111985913A true CN111985913A (en) | 2020-11-24 |
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| WO (1) | WO2020237871A1 (en) |
Cited By (1)
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|---|---|---|---|---|
| TWI819765B (en) * | 2022-08-25 | 2023-10-21 | 合作金庫商業銀行股份有限公司 | Cardless finance transaction system and its host server |
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