CN115131922B - Reception terminal device, transaction method and transaction device for reception terminal device and bank system - Google Patents

Reception terminal device, transaction method and transaction device for reception terminal device and bank system Download PDF

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Publication number
CN115131922B
CN115131922B CN202111608507.1A CN202111608507A CN115131922B CN 115131922 B CN115131922 B CN 115131922B CN 202111608507 A CN202111608507 A CN 202111608507A CN 115131922 B CN115131922 B CN 115131922B
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China
Prior art keywords
information
transaction
equipment
self
checking
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CN115131922A (en
Inventor
何洁
朱忆军
狄刚
穆长春
赵新宇
吕远
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Shenzhen Yihua Computer Co Ltd
Digital Currency Institute of the Peoples Bank of China
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Shenzhen Yihua Computer Co Ltd
Digital Currency Institute of the Peoples Bank of China
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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]
    • G07F19/209—Monitoring, auditing or diagnose of functioning of ATMs
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Security & Cryptography (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The embodiment of the invention provides a reception terminal device, a transaction method and a transaction device of the reception terminal device and a bank system, wherein the transaction method comprises the following steps: when the acceptance terminal equipment sends transaction information to a banking system, acquiring equipment self-checking information; the equipment self-checking information comprises one or more of equipment identification information, equipment position information and equipment state information; transmitting the equipment self-checking information to the banking system; and the banking system carries out transaction according to the transaction information when confirming the transaction security according to the self-checking information of the equipment. The embodiment of the invention can ensure that each transaction of the banking system and the acceptance terminal equipment is carried out under the condition that the transaction security is confirmed under the condition that the acceptance terminal equipment is placed in any area, thereby reducing the distribution limit of the acceptance terminal equipment.

Description

Reception terminal device, transaction method and transaction device for reception terminal device and bank system
Technical Field
The present invention relates to the technical field of digital money, and in particular, to a transaction method between a reception terminal device and a banking system, a reception terminal device, and a transaction apparatus.
Background
Existing ATM (Automated TELLER MACHINE) machines are typically installed within banking outlets that have security monitoring functions. With the development of digital money, ATM machines for depositing digital money wallets and supporting digital money transactions have emerged, and users can recharge digital money into digital money wallets through personal bank accounts or withdraw digital money from digital money wallets into personal bank accounts.
The digital currency ATM does not store the digital currency, so that the condition of stealing the digital currency in the digital currency ATM does not occur, the digital currency ATM does not need to be placed in a banking website, and the digital currency can be distributed to an off-line region as long as the communication content between the digital currency ATM and the back end of the bank is ensured to be credible, so that the digital currency is more convenient for individuals to access the digital currency. There is currently no solution for detecting the security of digital currency ATM.
Disclosure of Invention
In view of the foregoing, embodiments of the present invention are directed to providing an acceptance terminal device, and a transaction method and a transaction apparatus with a banking system thereof, which overcome or at least partially solve the foregoing problems.
In order to solve the above problems, an embodiment of the present invention discloses a transaction method for accepting a terminal device and a banking system, including:
When the acceptance terminal equipment sends transaction information to a banking system, acquiring equipment self-checking information; the equipment self-checking information comprises one or more of equipment identification information, equipment position information and equipment state information;
and sending the equipment self-checking information to the banking system so that the banking system carries out transaction according to the transaction information when the transaction security is confirmed according to the equipment self-checking information.
Optionally, the sending the device self-checking information to the banking system includes:
according to the coding format of the transaction information, the self-checking information of the equipment is converted into target information;
and sending the target information to the banking system, so that the banking system obtains the equipment self-checking information according to the target information, and performs transaction according to the transaction information when the transaction security is confirmed according to the equipment self-checking information.
Optionally, the converting the self-checking information of the device into the target information according to the coding format of the transaction information includes:
encrypting the self-checking information of the equipment and converting the self-checking information into target information according to the coding format of the transaction information.
Optionally, the sending the target information to the banking system includes:
and transmitting the target information and the transaction information to the banking system at the same time.
Optionally, the converting the self-checking information of the device into the target information according to the coding format of the transaction information includes:
Acquiring dynamic verification information and attaching the dynamic verification information to the self-checking information of the equipment;
And converting the equipment self-checking information and the dynamic verification information into target information according to the coding format of the transaction information, wherein the dynamic verification information is used for judging whether to conduct transaction or not.
Optionally, the converting the device self-checking information and the dynamic verification information into target information according to the coding format of the transaction information includes:
Encrypting the self-checking information and the dynamic verification information of the equipment and converting the self-checking information and the dynamic verification information into target information according to the coding format of the transaction information.
The embodiment of the invention also discloses a transaction method of the acceptance terminal equipment and the bank system, which comprises the following steps:
the bank system receives transaction information and equipment self-checking information sent by the acceptance terminal equipment; the equipment self-checking information comprises one or more of equipment identification information, equipment position information and equipment state information;
Judging whether the transaction is safe or not according to the self-checking information of the equipment;
and if the transaction is safe, carrying out the transaction according to the transaction information.
Optionally, the determining whether the transaction is safe according to the self-checking information of the device includes:
judging whether the self-checking information of the equipment is matched with preset information or not; the preset information comprises one or more of prestored equipment identification information, prestored position area range information and prestored equipment state information;
if the self-checking information of the equipment is matched with the preset information, determining transaction safety;
and if the self-checking information of the equipment is not matched with the preset information, determining that the transaction is unsafe.
Optionally, the banking system receives the device self-checking information sent by the acceptance terminal device, including:
The banking system receives target information sent by the acceptance terminal equipment; the target information is obtained by converting the equipment self-checking information by the acceptance terminal equipment according to the coding format of the transaction information;
And analyzing the target information according to the coding format of the transaction information to obtain the self-checking information of the equipment.
Optionally, the analyzing the target information according to the coding format of the transaction information to obtain the self-checking information of the device includes:
Analyzing the target information according to the coding format of the transaction information to obtain encrypted equipment self-checking information;
And decrypting the encrypted equipment self-checking information to obtain the equipment self-checking information.
Optionally, the banking system receives the transaction information and the device self-checking information sent by the acceptance terminal device, and the method includes:
And the banking system receives the transaction information and the equipment self-checking information which are simultaneously transmitted by the acceptance terminal equipment.
Optionally, the analyzing the target information according to the coding format of the transaction information to obtain the self-checking information of the device includes:
analyzing the target information according to the coding format of the transaction information to obtain equipment self-checking information and dynamic verification information;
the transaction according to the transaction information comprises the following steps:
judging whether the dynamic verification information meets a preset condition or not;
and if the dynamic information meets the preset condition, carrying out transaction according to the transaction information.
The embodiment of the invention also discloses a receiving terminal device, which comprises:
The self-checking information acquisition module is used for acquiring equipment self-checking information when the transaction information is sent to the banking system; the equipment self-checking information comprises one or more of equipment identification information, equipment position information and equipment state information;
And the self-checking information sending module is used for sending the equipment self-checking information to the banking system so that the banking system can conduct transaction according to the transaction information when the transaction safety is confirmed according to the equipment self-checking information.
Optionally, the self-checking information sending module includes:
the first format conversion sub-module is used for converting the self-checking information of the equipment into target information according to the coding format of the transaction information;
and the target information sending sub-module is used for sending the target information to the banking system so that the banking system can obtain the equipment self-checking information according to the target information and conduct transaction according to the transaction information when the transaction security is confirmed according to the equipment self-checking information.
Optionally, the first format conversion sub-module encrypts the device self-checking information and converts the device self-checking information into the target information according to the coding format of the transaction information.
Optionally, the target information sending sub-module sends the target information and the transaction information to the banking system simultaneously.
Optionally, the first format conversion submodule includes:
The dynamic information adding unit is used for acquiring dynamic verification information and adding the dynamic verification information to the self-checking information of the equipment;
The second format conversion sub-module is used for converting the equipment self-checking information and the dynamic verification information into target information according to the coding format of the transaction information, and the dynamic verification information is used for judging whether to conduct transaction or not.
Optionally, the second format conversion sub-module encrypts the device self-checking information and the dynamic verification information and converts the device self-checking information and the dynamic verification information into target information according to a coding format of the transaction information.
The embodiment of the invention also discloses a transaction device which is applied to a banking system and is used for carrying out transaction with the acceptance terminal equipment, and the transaction device comprises:
The information receiving module is used for receiving transaction information and equipment self-checking information sent by the acceptance terminal equipment; the equipment self-checking information comprises one or more of equipment identification information, equipment position information and equipment state information;
the transaction safety judging module is used for judging whether the transaction is safe or not according to the self-checking information of the equipment;
And the transaction module is used for carrying out transaction according to the transaction information if the transaction is safe.
Optionally, the transaction security determination module includes:
the matching judging sub-module is used for judging whether the self-checking information of the equipment is matched with preset information; the preset information comprises one or more of prestored equipment identification information, prestored position area range information and prestored equipment state information;
The security confirmation sub-module is used for determining transaction security if the self-checking information of the equipment is matched with preset information; and if the self-checking information of the equipment is not matched with the preset information, determining that the transaction is unsafe.
Optionally, the information receiving module includes:
the target information receiving sub-module is used for receiving target information sent by the acceptance terminal equipment; the target information is obtained by converting the equipment self-checking information by the acceptance terminal equipment according to the coding format of the transaction information;
And the analysis sub-module is used for analyzing the target information according to the coding format of the transaction information to obtain the self-checking information of the equipment.
Optionally, the parsing submodule includes:
The encryption information analysis unit is used for analyzing the target information according to the coding format of the transaction information to obtain encrypted equipment self-checking information;
and the information decryption unit is used for decrypting the encrypted equipment self-checking information to obtain the equipment self-checking information.
Optionally, the information receiving module receives transaction information and device self-checking information sent by the acceptance terminal device at the same time.
Optionally, the analysis submodule analyzes the target information according to the coding format of the transaction information to obtain equipment self-checking information and dynamic verification information;
The transaction module includes:
the condition judging module is used for judging whether the dynamic verification information meets preset conditions or not;
And the transaction continuing module is used for carrying out transaction according to the transaction information if the dynamic information meets the preset condition.
The embodiment of the invention also discloses an electronic device, which comprises: a processor, a memory and a computer program stored on the memory and capable of running on the processor, which when executed by the processor, implements the steps of the transaction method of accepting a terminal device and a banking system as described above.
The embodiment of the invention also discloses a computer readable storage medium, wherein the computer readable storage medium stores a computer program, and the computer program realizes the steps of the transaction method of the acceptance terminal device and the bank system when being executed by a processor.
The embodiment of the invention has the following advantages:
In the embodiment of the invention, the acceptance terminal equipment has self-checking capability, and when the acceptance terminal equipment sends transaction information to the bank system, the acceptance terminal equipment can self-check to acquire equipment self-checking information, wherein the equipment self-checking information can comprise one or more of equipment identification information, equipment position information and equipment state information; the acceptance terminal device can send the device self-checking information to the bank system, so that the bank system can conduct transactions according to the transaction information when the transaction security is confirmed according to the device self-checking information. The embodiment of the invention can ensure that each transaction of the banking system and the acceptance terminal equipment is carried out under the condition that the transaction security is confirmed under the condition that the acceptance terminal equipment is placed in any area, thereby reducing the distribution limit of the acceptance terminal equipment.
Drawings
Fig. 1 is a flow chart of steps of a transaction method between a terminal device and a banking system according to an embodiment of the present invention;
FIG. 2 is a flow chart of steps of another transaction method between a terminal device and a banking system according to an embodiment of the present invention;
fig. 3 is a block diagram of a configuration of an acceptance terminal device according to an embodiment of the present invention;
fig. 4 is a block diagram of a transaction device according to an embodiment of the present invention.
Detailed Description
In order that the above-recited objects, features and advantages of the present invention will become more readily apparent, a more particular description of the invention will be rendered by reference to the appended drawings and appended detailed description.
Referring to fig. 1, a step flowchart of a transaction method for accepting a terminal device and a banking system provided by an embodiment of the present invention is shown, where the method specifically may include the following steps:
step 101, acquiring self-checking information of equipment when receiving transaction information sent by a terminal equipment to a banking system; the device self-checking information comprises one or more of device identification information, device location information and device state information.
In the embodiment of the invention, the receiving terminal equipment can comprise various types of equipment capable of carrying out transactions with digital currency wallets, such as an ATM (automatic teller machine), a POS (Point of sale) machine and the like.
The receiving terminal device has a self-checking function and can detect device identification information, device position information and device state information of the receiving terminal device.
The device identification information may be composed of information such as a serial number, a layout point, a main chip number, etc. unique to the device, and the device identification information may exist in the form of an identification code uniquely calibrating the key component features of the device. And when the equipment identification information obtained by self-checking is inconsistent with the equipment identification information stored in the banking system, the equipment is considered to be in an unsafe state.
The device position information may be current position information obtained by a positioning module (such as a Beidou positioning self module and a GPS positioning module) arranged in the receiving terminal device, or may be relative position information of the receiving terminal device and a certain fixed calibration object, and the device position information may exist in the form of an identification code for calibrating the device position. And when the self-checking device position information exceeds the range of the safe position area stored by the banking system, the device is considered to be in an unsafe state.
The device status information may include information (e.g., deformation status, water logging status, etc.) about the operation of the device collected by various sensors, etc., and may exist in the form of an identification code including key operation of the device. And when the equipment state information obtained by the self-check is the same as the unsafe state identification information stored in the banking system, or when the equipment state information obtained by the self-check is different from the safe state identification information stored in the banking system, the equipment is considered to be in the unsafe state.
The user can execute operations of various types of transactions on the acceptance terminal device, including; digital money payments, digital money storage, digital money transfers, and the like. After the user confirms the transaction, the acceptance terminal device can send transaction information to a banking system, and the banking system can be a background system of different commercial banks.
Step 102, the device self-checking information is sent to the banking system, so that the banking system carries out transaction according to the transaction information when the transaction security is confirmed according to the device self-checking information.
The bank system can judge whether the acceptance terminal is in a safe state according to the equipment self-checking information of the acceptance terminal equipment, and if the acceptance terminal equipment is in the safe state, the bank system can consider the transaction to be safe and conduct the transaction according to the transaction information.
In the embodiment of the invention, the acceptance terminal equipment has self-checking capability, and when the acceptance terminal equipment sends transaction information to the bank system, the acceptance terminal equipment can self-check to acquire equipment self-checking information, wherein the equipment self-checking information can comprise one or more of equipment identification information, equipment position information and equipment state information; the acceptance terminal device can send the device self-checking information to the bank system, so that the bank system can conduct transactions according to the transaction information when the transaction security is confirmed according to the device self-checking information. The embodiment of the invention can ensure that each transaction of the banking system and the acceptance terminal equipment is carried out under the condition that the transaction security is confirmed under the condition that the acceptance terminal equipment is placed in any area, thereby reducing the distribution limit of the acceptance terminal equipment.
In one embodiment of the present invention, the step 102 may further include the following sub-steps:
and S11, converting the self-checking information of the equipment into target information according to the coding format of the transaction information.
The transaction information may be generated in accordance with a preset encoding format that defines the length of the information and the character set used. By converting the device self-checking information into the target information according to the coding format of the transaction information, the device self-checking information can be disguised as pseudo transaction information, and the difficulty in cracking the device self-checking information can be improved. In one example, the receiving terminal device may encrypt the device self-test information first, and then convert the encrypted device self-test information into the target information according to the encoding format of the transaction information.
In one embodiment of the present invention, the substep S11 may further include:
sub-step S111, obtaining dynamic verification information and attaching to the device self-test information;
and step S112, converting the self-checking information of the equipment and the dynamic verification information into target information according to the coding format of the transaction information, wherein the dynamic verification information is used for judging whether to conduct the transaction.
In particular, the dynamic verification information may include a variable information code such as a transaction time stamp, a digitally encoded segment of the current transaction, and the like. The banking system may determine whether to conduct a transaction based on the dynamic verification information. For example, the dynamic verification information may include a transaction timestamp, and if the banking system determines that the transaction timestamp does not match the current time, the banking system may confirm that the transaction is terminated. If the digital currency encoding section of the current transaction does not match the digital currency encoding section stored by the banking system, the banking system may confirm that the transaction is terminated.
In one example, the accepting terminal device may encrypt the device self-test information and the dynamic verification information, and then convert the encrypted device self-test information and dynamic verification information into the target information according to the encoding format of the transaction information.
And step S12, the target information is sent to the banking system, so that the banking system obtains the equipment self-checking information according to the target information, and when the transaction security is confirmed according to the equipment self-checking information, the transaction is carried out according to the transaction information.
The banking system can analyze the target information according to the coding format of the transaction information to obtain the self-checking information of the equipment.
In one embodiment of the present invention, the substep S12 may further include: and transmitting the target information and the transaction information to the banking system at the same time.
The acceptance terminal equipment can send the target information and the transaction information to the bank system at the same time so as to improve the cracking difficulty of the transaction information and ensure that the target information and the transaction information can be safely transmitted in a low-security channel. The bank system can receive the target information and the transaction information simultaneously, distinguish the target information and the transaction information, analyze the equipment self-checking information from the target information, confirm whether the transaction is safe according to the equipment self-checking information, and conduct the transaction according to the transaction information if the transaction is safe.
Referring to fig. 2, a flowchart of steps of another transaction method for accepting a transaction between a terminal device and a banking system according to an embodiment of the present invention is shown, where the method specifically includes the following steps:
Step 201, a banking system receives transaction information and equipment self-checking information sent by a receiving terminal equipment; the device self-checking information comprises one or more of device identification information, device location information and device state information.
In the embodiment of the invention, the receiving terminal equipment has a self-checking function and can detect the equipment identification information, the equipment position information and the equipment state information of the receiving terminal equipment.
In one embodiment of the present invention, the step 201 may further include the following sub-steps:
A substep S31, wherein the banking system receives the target information sent by the acceptance terminal device; and the target information is obtained by converting the equipment self-checking information by the receiving terminal equipment according to the coding format of the transaction information.
The transaction information may be generated in accordance with a preset encoding format that defines the length of the information and the character set used. By converting the device self-checking information into the target information according to the coding format of the transaction information, the device self-checking information can be disguised as pseudo transaction information, and the difficulty in cracking the device self-checking information can be improved.
And S32, analyzing the target information according to the coding format of the transaction information to obtain the self-checking information of the equipment.
The banking system can analyze the target information according to the coding format of the transaction information to obtain the self-checking information of the equipment.
In one example, the receiving terminal device may encrypt the device self-test information first, and then convert the encrypted device self-test information into the target information according to the encoding format of the transaction information.
The bank system can analyze the target information according to the coding format of the transaction information to obtain encrypted equipment self-checking information; and then decrypting the encrypted equipment self-checking information to obtain the equipment self-checking information.
In one embodiment of the present invention, the step 201 may further include: and the banking system receives the transaction information and the equipment self-checking information which are simultaneously transmitted by the acceptance terminal equipment.
The acceptance terminal equipment can send the target information and the transaction information to the bank system at the same time so as to improve the cracking difficulty of the transaction information and ensure that the target information and the transaction information can be safely transmitted in a low-security channel. The bank system can receive the target information and the transaction information simultaneously, distinguish the target information and the transaction information, analyze the equipment self-checking information from the target information, confirm whether the transaction is safe according to the equipment self-checking information, and conduct the transaction according to the transaction information if the transaction is safe.
Step 202, judging whether the transaction is safe or not according to the self-checking information of the equipment.
The bank system can judge whether the acceptance terminal is in a safe state according to the equipment self-checking information of the acceptance terminal equipment, and if the acceptance terminal equipment is in the safe state, the bank system can consider the transaction to be safe and conduct the transaction according to the transaction information.
The banking system may store device identification information of a plurality of reception terminal devices, a security location area range in which the reception terminal devices are located, security state identification information, and non-security state identification information acquired in advance. And if the equipment identification information obtained by the self-check of the current acceptance terminal equipment is inconsistent with the equipment identification information stored in the banking system, the equipment is considered to be in an unsafe state. And if the device position information obtained by the self-check of the current acceptance terminal device exceeds the safe position area range stored by the bank system, the device is considered to be in an unsafe state. If the equipment state information obtained by the self-check of the current receiving terminal equipment is the same as the unsafe state identification information stored in the banking system, or if the equipment state information obtained by the self-check of the current receiving terminal equipment is different from the safe state identification information stored in the banking system, the equipment is considered to be in the unsafe state.
In one embodiment of the present invention, the step 202 may include the following sub-steps:
Step S41, judging whether the self-checking information of the equipment is matched with preset information; the preset information includes one or more of pre-stored device identification information, pre-stored location area range information, and pre-stored device status information.
In the substep S42, if the self-checking information of the device matches with the preset information, the transaction security is determined.
The device self-checking information may include one or more of device identification information, device location information, and device status information, each of which is required to be matched with corresponding preset information to determine transaction security. For example, if the device self-checking information includes device identification information, device location information, and device status information, the device identification information, the device location information, and the device status information in the device self-checking information need to be matched with the device identification information, the location area range information, and the device status information stored in advance, respectively, so as to confirm security.
In the substep S43, if the self-checking information of the device is not matched with the preset information, the transaction is determined to be unsafe.
And 203, if the transaction is safe, carrying out the transaction according to the transaction information.
In one embodiment of the invention, the banking system can analyze the target information according to the coding format of the transaction information to obtain the self-checking information and the dynamic verification information of the equipment; the bank system can judge whether the dynamic verification information meets the preset condition; and if the dynamic information meets the preset condition, the bank system carries out transaction according to the transaction information. If the dynamic information does not meet the preset condition, the bank system terminates the transaction.
Specifically, the receiving terminal device may attach the dynamic verification information to the device self-checking information, and convert the device self-checking information and the dynamic verification information into the target information according to the encoding format of the transaction information. The banking system can analyze the target information to obtain the self-checking information and dynamic verification information of the equipment; the dynamic verification information may include a variable information code such as a transaction time stamp, a digitally encoded segment of the current transaction, and the like. The banking system may determine whether to conduct a transaction based on the dynamic verification information. For example, the dynamic verification information may include a transaction timestamp, and if the banking system determines that the transaction timestamp does not match the current time, the banking system may confirm that the transaction is terminated. If the digital currency encoding section of the current transaction does not match the digital currency encoding section stored by the banking system, the banking system may confirm that the transaction is terminated.
In the embodiment of the invention, the acceptance terminal equipment has self-checking capability, and when the acceptance terminal equipment sends transaction information to the bank system, the acceptance terminal equipment can self-check to acquire equipment self-checking information, wherein the equipment self-checking information can comprise one or more of equipment identification information, equipment position information and equipment state information; the bank system can judge whether the transaction is safe or not according to the self-checking information of the equipment; and if the transaction is safe, carrying out the transaction according to the transaction information. The embodiment of the invention can ensure that each transaction of the banking system and the acceptance terminal equipment is carried out under the condition that the transaction security is confirmed under the condition that the acceptance terminal equipment is placed in any area, thereby reducing the distribution limit of the acceptance terminal equipment.
It should be noted that, for simplicity of description, the method embodiments are shown as a series of acts, but it should be understood by those skilled in the art that the embodiments are not limited by the order of acts, as some steps may occur in other orders or concurrently in accordance with the embodiments. Further, those skilled in the art will appreciate that the embodiments described in the specification are presently preferred embodiments, and that the acts are not necessarily required by the embodiments of the invention.
Referring to fig. 3, a block diagram of a receiving terminal device according to an embodiment of the present invention is shown, which may specifically include the following modules:
The self-checking information acquisition module 301 is configured to acquire device self-checking information when sending transaction information to a banking system; the equipment self-checking information comprises one or more of equipment identification information, equipment position information and equipment state information;
And the self-checking information sending module 302 is configured to send the device self-checking information to the banking system, so that the banking system performs a transaction according to the transaction information when the banking system confirms that the transaction is safe according to the device self-checking information.
In one embodiment of the present invention, the self-checking information sending module 302 may include:
the first format conversion sub-module is used for converting the self-checking information of the equipment into target information according to the coding format of the transaction information;
and the target information sending sub-module is used for sending the target information to the banking system so that the banking system can obtain the equipment self-checking information according to the target information and conduct transaction according to the transaction information when the transaction security is confirmed according to the equipment self-checking information.
In one embodiment of the present invention, the first format conversion sub-module encrypts the device self-test information and converts the device self-test information into the target information according to the encoding format of the transaction information.
In one embodiment of the invention, the target information sending sub-module sends the target information and the transaction information to the banking system simultaneously.
In one embodiment of the present invention, the first format conversion sub-module may include:
The dynamic information adding unit is used for acquiring dynamic verification information and adding the dynamic verification information to the self-checking information of the equipment;
The second format conversion sub-module is used for converting the equipment self-checking information and the dynamic verification information into target information according to the coding format of the transaction information, and the dynamic verification information is used for judging whether to conduct transaction or not.
In one embodiment of the present invention, the second format conversion sub-module encrypts the device self-test information and the dynamic verification information and converts the encrypted device self-test information and the dynamic verification information into target information according to a coding format of the transaction information.
In the embodiment of the invention, the acceptance terminal equipment has self-checking capability, and when the acceptance terminal equipment sends transaction information to the bank system, the acceptance terminal equipment can self-check to acquire equipment self-checking information, wherein the equipment self-checking information can comprise one or more of equipment identification information, equipment position information and equipment state information; the acceptance terminal device can send the device self-checking information to the bank system, so that the bank system can conduct transactions according to the transaction information when the transaction security is confirmed according to the device self-checking information. The embodiment of the invention can ensure that each transaction of the banking system and the acceptance terminal equipment is carried out under the condition that the transaction security is confirmed under the condition that the acceptance terminal equipment is placed in any area, thereby reducing the distribution limit of the acceptance terminal equipment.
Referring to fig. 4, a block diagram of a transaction device according to an embodiment of the present invention is shown, where the transaction device may be applied to a banking system and used for performing a transaction with an acceptance terminal device, and may specifically include the following modules:
an information receiving module 401, configured to receive transaction information and device self-checking information sent by a receiving terminal device; the device self-recommendation information comprises one or more of device identification information, device position information and device state information;
A transaction security judging module 402, configured to judge whether the transaction is secure according to the device self-checking information;
And the transaction module 403 is configured to perform a transaction according to the transaction information if the transaction is safe.
In one embodiment of the present invention, the transaction security determination module 402 may include:
the matching judging sub-module is used for judging whether the self-checking information of the equipment is matched with preset information; the preset information comprises one or more of prestored equipment identification information, prestored position area range information and prestored equipment state information;
The security confirmation sub-module is used for determining transaction security if the self-checking information of the equipment is matched with preset information; and if the self-checking information of the equipment is not matched with the preset information, determining that the transaction is unsafe.
In one embodiment of the present invention, the information receiving module 401 may include:
the target information receiving sub-module is used for receiving target information sent by the acceptance terminal equipment; the target information is obtained by converting the equipment self-checking information by the acceptance terminal equipment according to the coding format of the transaction information;
And the analysis sub-module is used for analyzing the target information according to the coding format of the transaction information to obtain the self-checking information of the equipment.
In one embodiment of the present invention, the parsing sub-module may include:
The encryption information analysis unit is used for analyzing the target information according to the coding format of the transaction information to obtain encrypted equipment self-checking information;
and the information decryption unit is used for decrypting the encrypted equipment self-checking information to obtain the equipment self-checking information.
In one embodiment of the present invention, the information receiving module 401 receives transaction information and device self-checking information sent by the receiving terminal device at the same time.
In one embodiment of the present invention, the parsing sub-module may include:
The information analysis subunit is used for analyzing the target information according to the coding format of the transaction information to obtain equipment self-checking information and dynamic verification information;
The transaction module 403 may include:
the condition judging module is used for judging whether the dynamic verification information meets preset conditions or not;
And the transaction continuing module is used for carrying out transaction according to the transaction information if the dynamic information meets the preset condition.
In the embodiment of the invention, the acceptance terminal equipment has self-checking capability, and when the acceptance terminal equipment sends transaction information to the bank system, the acceptance terminal equipment can self-check to acquire equipment self-checking information, wherein the equipment self-checking information can comprise one or more of equipment identification information, equipment position information and equipment state information; the bank system can judge whether the transaction is safe or not according to the self-checking information of the equipment; and if the transaction is safe, carrying out the transaction according to the transaction information. The embodiment of the invention can ensure that each transaction of the banking system and the acceptance terminal equipment is carried out under the condition that the transaction security is confirmed under the condition that the acceptance terminal equipment is placed in any area, thereby reducing the distribution limit of the acceptance terminal equipment.
For the device embodiments, since they are substantially similar to the method embodiments, the description is relatively simple, and reference is made to the description of the method embodiments for relevant points.
The embodiment of the invention also provides electronic equipment, which comprises:
The transaction method comprises a processor, a memory and a computer program which is stored in the memory and can run on the processor, wherein the computer program realizes the processes of the transaction method embodiment of the acceptance terminal device and the banking system when being executed by the processor, can achieve the same technical effect, and is not repeated here.
The embodiment of the invention also provides a computer readable storage medium, on which a computer program is stored, which when executed by a processor, realizes the processes of the transaction method embodiment of the acceptance terminal device and the bank system, and can achieve the same technical effects, and in order to avoid repetition, the description is omitted here.
In this specification, each embodiment is described in a progressive manner, and each embodiment is mainly described by differences from other embodiments, and identical and similar parts between the embodiments are all enough to be referred to each other.
It will be apparent to those skilled in the art that embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, embodiments of the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the invention may take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.
Embodiments of the present invention are described with reference to flowchart illustrations and/or block diagrams of methods, terminal devices (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing terminal device to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing terminal device, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiment and all such alterations and modifications as fall within the scope of the embodiments of the invention.
Finally, it is further noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or terminal that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or terminal. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or terminal device that comprises the element.
The above describes in detail a transaction method and a transaction device of a transaction terminal device and a bank system, and specific examples are applied to illustrate the principle and implementation of the present invention, and the above description of the examples is only used to help understand the method and core idea of the present invention; meanwhile, as those skilled in the art will have variations in the specific embodiments and application scope in accordance with the ideas of the present invention, the present description should not be construed as limiting the present invention in view of the above.

Claims (16)

1. A transaction method between a reception terminal device and a banking system, comprising:
When the acceptance terminal equipment sends transaction information to a banking system, acquiring equipment self-checking information; the equipment self-checking information comprises one or more of equipment identification information, equipment position information and equipment state information;
and sending the equipment self-checking information to the banking system so that the banking system carries out transaction according to the transaction information when the banking system confirms that the acceptance terminal equipment is in a safe state according to the equipment self-checking information.
2. The transaction method according to claim 1, wherein the sending the device self-test information to the banking system includes:
according to the coding format of the transaction information, the self-checking information of the equipment is converted into target information;
and sending the target information to the banking system so that the banking system obtains the equipment self-checking information according to the target information, and carrying out transaction according to the transaction information when the acceptance terminal equipment is confirmed to be in a safe state according to the equipment self-checking information.
3. The transaction method according to claim 2, wherein the converting the device self-test information into target information according to the encoding format of the transaction information includes:
encrypting the self-checking information of the equipment and converting the self-checking information into target information according to the coding format of the transaction information.
4. The transaction method according to claim 2, wherein the sending the target information to the banking system includes:
and transmitting the target information and the transaction information to the banking system at the same time.
5. The transaction method according to claim 2, wherein the converting the device self-test information into target information according to the encoding format of the transaction information includes:
Acquiring dynamic verification information and attaching the dynamic verification information to the self-checking information of the equipment;
And converting the equipment self-checking information and the dynamic verification information into target information according to the coding format of the transaction information, wherein the dynamic verification information is used for judging whether to conduct transaction or not.
6. The transaction method according to claim 5, wherein the converting the device self-checking information and the dynamic verification information into target information according to the encoding format of the transaction information includes:
Encrypting the self-checking information and the dynamic verification information of the equipment and converting the self-checking information and the dynamic verification information into target information according to the coding format of the transaction information.
7. A transaction method between a reception terminal device and a banking system, comprising:
the bank system receives transaction information and equipment self-checking information sent by the acceptance terminal equipment; the equipment self-checking information comprises one or more of equipment identification information, equipment position information and equipment state information;
judging whether the acceptance terminal equipment is in a safe state according to the equipment self-checking information;
And if the acceptance terminal equipment is in a safe state, carrying out transaction according to the transaction information.
8. The transaction method according to claim 7, wherein the determining whether the accepting terminal device is in a secure state according to the device self-checking information includes:
judging whether the self-checking information of the equipment is matched with preset information or not; the preset information comprises one or more of prestored equipment identification information, prestored position area range information and prestored equipment state information;
if the equipment self-checking information is matched with the preset information, determining that the acceptance terminal equipment is in a safe state;
And if the equipment self-checking information is not matched with the preset information, determining that the acceptance terminal equipment is not in a safe state.
9. The transaction method according to claim 7, wherein the banking system receives device self-test information transmitted from the reception terminal device, comprising:
The banking system receives target information sent by the acceptance terminal equipment; the target information is obtained by converting the equipment self-checking information by the acceptance terminal equipment according to the coding format of the transaction information;
And analyzing the target information according to the coding format of the transaction information to obtain the self-checking information of the equipment.
10. The transaction method according to claim 9, wherein the parsing the target information according to the encoding format of the transaction information to obtain device self-checking information includes:
Analyzing the target information according to the coding format of the transaction information to obtain encrypted equipment self-checking information;
And decrypting the encrypted equipment self-checking information to obtain the equipment self-checking information.
11. The transaction method according to claim 7, wherein the banking system receiving transaction information and device self-checking information transmitted from an acceptance terminal device, includes:
And the banking system receives the transaction information and the equipment self-checking information which are simultaneously transmitted by the acceptance terminal equipment.
12. The transaction method according to claim 9, wherein the parsing the target information according to the encoding format of the transaction information to obtain device self-checking information includes:
analyzing the target information according to the coding format of the transaction information to obtain equipment self-checking information and dynamic verification information;
the transaction according to the transaction information comprises the following steps:
judging whether the dynamic verification information meets a preset condition or not;
And if the dynamic verification information meets the preset condition, carrying out transaction according to the transaction information.
13. An accepting terminal device, comprising:
The self-checking information acquisition module is used for acquiring equipment self-checking information when the transaction information is sent to the banking system; the equipment self-checking information comprises one or more of equipment identification information, equipment position information and equipment state information;
And the self-checking information sending module is used for sending the equipment self-checking information to the banking system so that the banking system carries out transaction according to the transaction information when the banking system confirms that the acceptance terminal equipment is in a safe state according to the equipment self-checking information.
14. A transaction device applied to a banking system for conducting a transaction with an acceptance terminal device, the transaction device comprising:
The information receiving module is used for receiving transaction information and equipment self-checking information sent by the acceptance terminal equipment; the equipment self-checking information comprises one or more of equipment identification information, equipment position information and equipment state information;
the transaction safety judging module is used for judging whether the acceptance terminal equipment is in a safety state according to the equipment self-checking information;
And the transaction module is used for carrying out transaction according to the transaction information if the acceptance terminal equipment is in a safe state.
15. An electronic device, comprising: a processor, a memory and a computer program stored on the memory and executable on the processor, the computer program when executed by the processor implementing the steps of the transaction method of a transaction terminal device with a banking system according to any of claims 1-6 or 7-12.
16. A computer-readable storage medium, wherein a computer program is stored on the computer-readable storage medium, which when executed by a processor, implements the steps of the transaction method of a transaction terminal device with a banking system according to any one of claims 1-6 or 7-12.
CN202111608507.1A 2021-03-25 2021-12-22 Reception terminal device, transaction method and transaction device for reception terminal device and bank system Active CN115131922B (en)

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