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A transaction processing method and device

A transaction processing and transaction technology, applied in the field of communication, can solve problems such as increasing user memory burden

Active Publication Date: 2020-09-08
HUAWEI TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] This application provides a transaction processing method and device, which are used to solve the technical problem of requiring the user to input a PIN during the transaction process using the user card in the prior art, which increases the memory burden of the user

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  • A transaction processing method and device
  • A transaction processing method and device

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Embodiment Construction

[0158] In order to make the purpose, technical solution and advantages of the application clearer, the application will be further described in detail below in conjunction with the accompanying drawings. Apparently, the described embodiments are only some of the embodiments of the application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.

[0159]The terms "first", "second" and the like in the specification and claims of the present application and the above drawings are used to distinguish different objects, rather than to describe a specific order. Furthermore, the terms "include" and "have", as well as any variations thereof, are intended to cover a non-exclusive inclusion. For example, a process, method, system, product or device that includes a series of steps or units is not limited to the listed st...

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Abstract

A transaction processing method and device. The server receives a transaction request message of a user card to be traded sent by a first terminal, determines that the PIN verification of the user card to be traded fails, and judges whether the first message from a second terminal is received. A message is a PIN-free request message or a transaction response message. If the first message from the second terminal is received, the user card to be traded is allowed to conduct transactions according to the first message from the second terminal; it can be seen that, In this application, when the server determines that the PIN verification of the user card to be transacted fails, it can perform a PIN-free transaction on the user card to be transacted according to the first message from the second terminal, so that the user can use the user card for transactions even if Even if the correct PIN is not entered, the transaction can also be completed, which avoids the memory burden of the user memorizing the PIN, and effectively prevents the PIN from being peeped and stolen.

Description

technical field [0001] The present application relates to the technical field of communications, and in particular to a transaction processing method and device. Background technique [0002] With the continuous development of technology, the transaction method based on swiping cards has been popularized. When a user uses a bank card to perform a payment transaction, the user needs to swipe the card on a POS (Point Of Sale, point of sale) terminal. In the existing bank card processing flow, the user is required to input a PIN (personal identification number, personal identification number) for online verification. Specifically, in the user verification link, if the user verification methods supported by the bank card and the POS terminal include online PIN verification, the POS machine will require the user to enter the PIN on the keyboard of the POS terminal. In the subsequent online processing link, The POS terminal will include the encrypted PAN (primary account number)...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/16
CPCG06Q20/16G06Q20/4014G07F7/1075G06Q20/4012G06Q20/20G06Q20/206G06Q20/322G06Q20/325G06Q20/401
Inventor 梅敬青李国庆
Owner HUAWEI TECH CO LTD
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