Transaction control method, device, self-service bank machine and readable storage medium

Abstract

The embodiments of the present invention disclose a transaction control method, device, self-service bank machine and readable storage medium. The transaction control method includes: in response to a transaction start instruction, displaying a computer-readable code and turning on a near-field communication card reader function; detecting an order status and a state of the near-field communication card reader, wherein the order status changes after the transaction elements are input by scanning the computer-readable code; if the order status and the state of the near-field communication card reader change, then the transaction is conducted according to the transaction control mode corresponding to the changed state. The embodiments of the present invention break through the barriers between transactions of different media by optimizing and integrating the transaction methods of scanning computer-readable codes or using near-field communication carriers for transactions. The embodiments of the present invention improve the fluency of the transaction process, effectively simplify the operation steps and the transaction selection process, reduce the customer's operation time, and improve the user experience.

Description

Technical Field

[0001] The embodiments of the present invention relate to the field of computer financial technology, and in particular to a transaction control method, device, self-service bank machine and readable storage medium. Background Art

[0002] With the continuous development of computer financial technology, the transaction methods provided by automatic teller machines (ATMs) for users are also constantly upgrading. They are no longer limited to traditional bank card transactions, but also support mobile phones or bank cards with NFC (Near Field Communication) functions, as well as transaction methods such as scanning QR codes through mobile phones.

[0003] At present, self-service banking machines are not compatible with NFC and QR code transaction methods. Users can only choose one of the two methods during a transaction, which makes the transaction method rigid and inflexible. If the user needs to use both transaction methods, he needs to exit one transaction method and reselect another one, which makes the transaction smooth and takes a long time for the user. Summary of the invention

[0004] The embodiments of the present invention provide a transaction control method, device, self-service bank machine and readable storage medium, which improve the flexibility and fluency of the transaction process by optimizing and integrating the transaction mode of scanning computer-readable codes and using near-field communication carriers for transactions, effectively simplify the operation steps and transaction selection process, reduce the customer's operation time, and improve the user experience.

[0005] In a first aspect, an embodiment of the present invention provides a transaction control method, including:

[0006] In response to a transaction start instruction, displaying a computer readable code and activating a near field communication card reader function;

[0007] detecting an order status and a status of the near field communication card reader, wherein the order status changes after transaction elements are entered by scanning the computer readable code;

[0008] If the order status or the status of the near field communication card reader changes, the transaction is performed according to the transaction control mode corresponding to the changed status.

[0009] Optionally, before responding to the transaction start instruction, displaying the computer readable code and starting the near field communication card reader function, the method further includes:

[0010] In response to a trigger operation on a transaction start button, generating a transaction start instruction; or,

[0011] In response to the display operation of the transaction homepage, a transaction start instruction is generated.

[0012] Optionally, the detecting the order status and the status of the near field communication card reader includes:

[0013] Simultaneously detecting the order status and the status of the near field communication card reader;

[0014] Alternatively, if no change in the state of the near field communication card reader is detected within a set time period, the order status is polled.

[0015] Optionally, before detecting the order status and the status of the near field communication card reader, the method further includes:

[0016] In response to the transaction start instruction, sending transaction identification information to the online transaction system, so that the online transaction system generates an order number according to the transaction identification information;

[0017] Receiving the order number returned by the online trading system;

[0018] The detection order status includes:

[0019] An order status corresponding to the order number is detected.

[0020] Optionally, if the order status changes, performing the transaction according to a transaction control mode corresponding to the changed status includes:

[0021] If the order status changes, receiving the transaction elements sent by the online transaction system after the verification, wherein the transaction elements are input into the online transaction system by scanning the computer-readable code, and include the transaction password and transaction details;

[0022] The transaction is performed based on the transaction details.

[0023] Optionally, if the order status changes, performing the transaction according to a transaction control mode corresponding to the changed status includes:

[0024] If the order status changes, receiving transaction elements sent by the online transaction system, wherein the transaction elements are input into the online transaction system by scanning the computer-readable code, and include a transaction password and transaction details;

[0025] Receive the transaction password entered by the user through the self-service banking machine;

[0026] Sending the transaction password input through the self-service banking machine and the transaction password in the transaction element to the online transaction system, and initiating a password verification request to the online transaction system, so that the online transaction system returns a password verification success message after the password verification is successful;

[0027] In response to receiving the verification pass message sent by the online transaction system, the transaction is performed based on the transaction details.

[0028] Optionally, if the state of the near field communication card reader changes, performing the transaction according to a transaction control mode corresponding to the changed state includes:

[0029] If the state of the near field communication card reader changes, reading the account information of the near field communication carrier;

[0030] Receive the transaction password entered by the user through the self-service banking machine;

[0031] Sending the transaction password to the online transaction system and initiating a password verification request to the online transaction system, so that the online transaction system returns a password verification success message after the password verification is successful;

[0032] In response to receiving the verification pass message sent by the online transaction system, a transaction is performed on the account corresponding to the account information.

[0033] Optionally, the transaction control method further includes:

[0034] If the order status changes, the near field communication card reader function is disabled.

[0035] In a second aspect, an embodiment of the present invention further provides a transaction control device, including:

[0036] A first control module, for displaying a computer readable code and activating a near field communication card reader function in response to a transaction start instruction;

[0037] a status detection module for detecting an order status and a status of the near field communication card reader, wherein the order status changes after receiving a transaction element, the transaction element being input by scanning the computer readable code;

[0038] The transaction module is used to perform a transaction according to a transaction control mode corresponding to the changed state if the order state or the state of the near field communication card reader changes.

[0039] In a third aspect, an embodiment of the present invention further provides a self-service banking machine, comprising:

[0040] one or more processors;

[0041] A memory for storing one or more programs;

[0042] When the one or more programs are executed by the one or more processors, the one or more processors implement a transaction control method as described in any embodiment of the present invention.

[0043] In a fourth aspect, an embodiment of the present invention further provides a storage medium comprising computer executable instructions, which, when executed by a computer processor, implements the transaction control method as described in any embodiment of the present invention.

[0044] The embodiment of the present invention displays a computer-readable code and turns on the near-field communication card reader function in response to a transaction start instruction, detects the order status and the state of the near-field communication card reader, and performs transactions according to the transaction control mode corresponding to the changed state when any state changes. The embodiment of the present invention optimizes and integrates the transaction mode of scanning a computer-readable code or using a near-field communication carrier to perform transactions, breaks through the barriers between transactions of different media, improves the flexibility and fluency of the transaction process, effectively simplifies the operation steps and transaction selection process, reduces the customer's operation time, and improves the user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] Figure 1 is a flow chart of a transaction control method in Embodiment 1 of the present invention;

[0046] Figure 2 is a flow chart of a transaction control method in Embodiment 2 of the present invention;

[0047] Figure 3 is a flow chart of a transaction control method in Embodiment 3 of the present invention;

[0048] Figure 4 is a flow chart of a transaction control method in Embodiment 4 of the present invention;

[0049] Figure 5 is a flow chart of a transaction control method in Embodiment 5 of the present invention;

[0050] Figure 6 is a flow chart of a transaction control method in Embodiment 6 of the present invention;

[0051] Figure 7 is a schematic diagram of the structure of a transaction control device in Embodiment 7 of the present invention;

[0052] Figure 8 This is a schematic diagram of the structure of a self-service bank machine provided in Embodiment 8 of the present invention. DETAILED DESCRIPTION

[0053] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the present invention, rather than to limit the present invention. It should also be noted that, for ease of description, only parts related to the present invention, rather than all structures, are shown in the accompanying drawings.

[0054] Embodiment 1

[0055] Embodiment 1 of the present invention provides a transaction control method. This embodiment is applicable to situations where users conduct transactions through self-service banking machines. The method can be executed by a transaction control device, which can be implemented in software and / or hardware and can be configured in an automatic banking machine.

[0056] like Figure 1 As shown, the method specifically includes:

[0057] S110 . In response to a transaction start instruction, display a computer readable code and enable a near field communication card reader function.

[0058] Among them, the transaction start instruction indicates that a transaction is about to be carried out and is triggered when the transaction starts. Optionally, the self-service bank machine generates and displays a computer-readable code according to the transaction identifier in response to the transaction start instruction, and sends the transaction identifier to the online transaction system. The online transaction system is a computer system composed of a central computer connected to a large number of geographically dispersed terminals for processing transactions that require timely response to the bank's counter transactions during working days and non-working days, as well as transactions initiated by self-service devices and accessed through various channels. Here, the transaction identifier includes the device identifier of the self-service bank machine itself and the time when the transaction start instruction was generated. The computer-readable code can be a code that can be recognized by a computer, such as a QR code or a barcode. The self-service bank machine displays the computer-readable code on the screen for the user to scan with a user terminal. Here, the user terminal can be a smart device with a code scanning function, such as a mobile phone or a tablet computer.

[0059] The self-service bank machine responds to the transaction start instruction and turns on the near field communication card reader function, that is, turns on the near field communication card reader (hereinafter referred to as the card reader). During the period when the near field communication card reader function is turned on, the card reader can read the information of the near field communication carrier placed on the sensing area of ​​the card reader. Optionally, after the near field communication card reader function is turned on, the self-service bank machine can control the built-in light emitting diode of the card reader to flash to remind the user that the near field communication card reader function has been turned on.

[0060] S120, detecting the order status and the status of the near field communication card reader, wherein the order status changes after the transaction elements are input by scanning the computer readable code.

[0061] The user scans the computer-readable code displayed on the self-service banking machine through the application software bound to the financial radio frequency card in the user terminal, and enters the transaction elements through the user terminal. Among them, the transaction elements include information such as the transaction amount, transaction type and transaction password. Here, the transaction type can be any of deposit, withdrawal, transfer, inquiry and password change.

[0062] The user inputs the transaction elements by scanning the computer-readable code, and the user terminal sends the transaction elements to the online transaction system. When the online transaction system receives the transaction elements, the order status will change, specifically from the initial status to the transaction in progress. The order is generated by the online transaction system based on the transaction identification information received from the self-service bank machine. The order includes information such as transaction device information, transaction time and transaction method, and each order uniquely identifies a transaction. When a near-field communication carrier is placed on the card reader sensing area, the state of the near-field communication card reader will change, specifically from the initial status to the transaction in progress.

[0063] S130: If the order status or the status of the near field communication card reader changes, the transaction is performed according to the transaction control mode corresponding to the changed status.

[0064] If the order status changes, the transaction is conducted by scanning the computer-readable code; if the state of the near-field communication card reader changes, the transaction is conducted using the near-field communication carrier. Optionally, if the order status and the state of the near-field communication card reader change at the same time, the near-field communication carrier may be used to conduct the transaction, which is not limited here and can be determined according to actual conditions.

[0065] Optionally, if the order status changes, the near field communication card reader function is turned off.

[0066] If the order status changes, it indicates that the transaction method is selected to be conducted by scanning a computer-readable code, or, when it is detected that the status of the near-field communication card reader has also changed, the transaction is selected to be conducted by using a near-field communication carrier; at this time, turning off the near-field communication card reader function can effectively shield the interference of the near-field communication card reader, while reducing the energy consumption of the self-service banking machine and extending the service life of the card reader.

[0067] The embodiment of the present invention displays a computer-readable code and turns on the near-field communication card reader function in response to a transaction start instruction, detects the order status and the state of the near-field communication card reader, and performs transactions according to the transaction control mode corresponding to the changed state when any state changes. The embodiment of the present invention optimizes and integrates the transaction mode of scanning a computer-readable code or using a near-field communication carrier to perform transactions, breaks through the barriers between transactions of different media, improves the flexibility and fluency of the transaction process, effectively simplifies the operation steps and transaction selection process, reduces the customer's operation time, and improves the user experience.

[0068] Embodiment 2

[0069] Figure 2 is a flow chart of the transaction control method in the second embodiment of the present invention. The second embodiment is further optimized on the basis of the above embodiment. Optionally, before the computer-readable code is displayed and the near field communication card reader function is turned on in response to the transaction start instruction, an additional operation is added: "In response to the triggering operation of the transaction start button, a transaction start instruction is generated; or, in response to the display operation of the transaction homepage, a transaction start instruction is generated."

[0070] like Figure 2 As shown, the method includes:

[0071] S210. In response to a trigger operation on a transaction start button, a transaction start instruction is generated; or, in response to a display operation on a transaction homepage, a transaction start instruction is generated.

[0072] On the initial page of the self-service bank machine, the user can start the transaction by touching the virtual button on the self-service bank machine display screen, or by pressing the transaction start button on the self-service bank password keyboard. The self-service bank machine generates a transaction start instruction in response to the triggering operation of the transaction start button.

[0073] In some cases, the self-service banking machine needs to display the transaction homepage, which generally displays various function introductions or advertisements provided by the self-service banking machine. Optionally, after a user completes a transaction, the user can return to the transaction homepage of the self-service banking machine, or automatically return to the transaction homepage after the countdown on other pages ends. The self-service banking machine generates a transaction start instruction in response to the display operation of the transaction homepage.

[0074] S220: In response to the transaction start instruction, display a computer-readable code and enable a near field communication card reader function.

[0075] S230, detecting the order status and the status of the near field communication card reader, wherein the order status changes after the transaction elements are input by scanning the computer readable code.

[0076] S240: If the order status or the status of the near field communication card reader changes, perform the transaction according to the transaction control mode corresponding to the changed status.

[0077] The embodiment of the present invention generates a transaction start instruction when a transaction start button is triggered or a transaction homepage is displayed. In response to the transaction start instruction, the user is provided with a transaction method of scanning a computer-readable code and using a near-field communication carrier. Different from the user having to select a transaction method on a self-service bank machine before a transaction, the user in the embodiment of the present invention does not need to select a transaction method on the self-service bank machine, and can directly conduct a transaction in any of the above-mentioned methods. The embodiment of the present invention effectively simplifies the operation steps and the transaction selection process, reduces the customer's operation time, and improves the user experience.

[0078] Embodiment 3

[0079] Figure 3 is a flow chart of the transaction control method in the third embodiment of the present invention. This embodiment is further optimized on the basis of the above embodiment. Optionally, before the detection of the order status and the status of the near field communication card reader, an additional operation is added: "sending transaction identification information to the online transaction system in response to the transaction start instruction, so that the online transaction system generates an order number according to the transaction identification information; receiving the order number returned by the online transaction system". Accordingly, the detection of the order status is refined into "detecting the order status corresponding to the order number."

[0080] like Figure 3 As shown, the method specifically includes:

[0081] S310: In response to a transaction start instruction, display a computer-readable code and enable a near field communication card reader function.

[0082] S320. In response to the transaction start instruction, send transaction identification information to the online transaction system, so that the online transaction system generates an order number according to the transaction identification information.

[0083] In response to the transaction start instruction, the self-service bank machine sends transaction identification information to the online transaction system, where the transaction identification information may be the device identification of the self-service bank machine itself and the time when the transaction start instruction was generated. The online transaction system generates an order number based on the transaction identification information and sends the order number to the self-service bank machine.

[0084] S330: Receive the order number returned by the online trading system.

[0085] The self-service banking machine receives the order number returned by the online transaction system.

[0086] S340, detecting an order status corresponding to the order number and a status of the near field communication card reader, wherein the order status changes after transaction elements are input by scanning the computer readable code.

[0087] The self-service banking machine uses a polling mechanism to query the order status corresponding to the order number in the online transaction system according to the order number received from the online transaction system. The online transaction system changes the order status after receiving the transaction element, specifically from the initial state to the transaction in progress.

[0088] S350: If the order status or the status of the near field communication card reader changes, the transaction is performed according to the transaction control mode corresponding to the changed status.

[0089] This embodiment utilizes the feature that the online transaction system changes the order status after receiving the transaction elements, and accurately captures the transaction method of the computer-readable code selected by the user; moreover, by detecting the order status corresponding to the order number, the order number is generated according to the transaction identification information, which is conducive to accurately detecting the status of the transaction process and improving the accuracy of the transaction process.

[0090] In the above embodiments and the following embodiments, optionally, the operation of "detecting the order status and the status of the near-field communication card reader" is refined to "detecting the order status and the status of the near-field communication card reader simultaneously; or, if no change in the status of the near-field communication card reader is detected within a set time, polling the order status." The set time can be a few seconds, exemplarily 10 seconds.

[0091] It is worth noting that the self-service banking machine will continue to detect the status of the NFC card reader while polling the order status. The priority detection of the NFC card reader status is because it takes longer to scan the code and enter the transaction elements than to place the NFC card reader, which results in the time required for the order status to change longer than the time required for the NFC card reader status to change. This can reduce the user's operation time and simplify the user operation process.

[0092] The embodiment of the present invention simultaneously detects the order status and the status of the near-field communication card reader through a self-service banking machine; or, if no change in the status of the near-field communication card reader is detected within a set time period, the order status is polled, thereby optimizing and integrating the mutually independent scanning of computer-readable codes and transaction processes using near-field communication carriers, breaking through the barriers between transactions of different media, effectively simplifying the operating steps and transaction selection process, and reducing the customer's operation time.

[0093] Embodiment 4

[0094] Figure 4is a flow chart of the transaction control method in the fourth embodiment of the present invention. This embodiment is further optimized on the basis of the above embodiment. Optionally, the operation "if the order status changes, then the transaction is performed according to the transaction control mode corresponding to the changed status" is refined into "if the order status changes, receiving the transaction elements sent by the online transaction system after the password verification is passed, wherein the transaction elements are input into the online transaction system by scanning the computer-readable code, including the transaction password and the transaction details; and the transaction is performed based on the transaction details."

[0095] like Figure 4 As shown, the method specifically includes:

[0096] S410: In response to a transaction start instruction, display a computer-readable code and enable a near field communication card reader function.

[0097] S420, detecting the order status and the status of the near field communication card reader, wherein the order status changes after the transaction elements are input by scanning the computer readable code.

[0098] S430: If the order status changes, receive the transaction elements sent by the online transaction system after the password verification is passed.

[0099] The transaction elements are input into the online transaction system by scanning the computer-readable code, including the transaction password and transaction details. The transaction details include information such as the transaction type, transaction amount, and transaction account number. The user uses the application software in the user terminal to scan the computer-readable code to input the transaction elements, and the user terminal sends the transaction elements to the online transaction system, which verifies the transaction elements. Exemplarily, verifying the transaction elements includes: comparing the received transaction elements with the data pre-stored in the online transaction system database for consistency. If the two are consistent, the verification is passed. The online transaction system sends the verified transaction elements to the self-service banking machine.

[0100] S440: Conduct transactions based on the transaction details.

[0101] The self-service bank machine conducts transactions based on the transaction details received from the online transaction system. For example, if the transaction type in the transaction details is withdrawal and the transaction amount is RMB 10,000, the self-service bank transaction system will issue RMB 10,000 and return a successful transaction message after issuing the cash, print a receipt, and update the balance of the corresponding account in the transaction details.

[0102] In the embodiment of the present invention, the user directly scans the computer-readable code displayed on the self-service bank machine and inputs the transaction elements on the user terminal. The self-service bank machine can conduct transactions based on the transaction elements input by the user, thereby simplifying the user's operation process on the self-service bank machine, saving the user's time, and improving the user experience. In addition, the embodiment of the present invention also verifies the transaction elements input by the user through the online transaction system after scanning the computer-readable code. The self-service bank machine conducts transactions based on the transaction elements sent by the online transaction system after the verification is passed, thereby improving the security of the transaction.

[0103] Embodiment 5

[0104] Figure 5 is a flow chart of the transaction control method in Embodiment 5 of the present invention. This embodiment is further optimized on the basis of the above embodiment. Optionally, the operation "if the order status changes, then the transaction is performed according to the transaction control mode corresponding to the changed status" is refined into "if the order status changes, receiving the transaction elements sent by the online transaction system, wherein the transaction elements are input into the online transaction system by scanning the computer-readable code, including a transaction password and transaction details; receiving the transaction password input by the user through the self-service banking machine; sending the transaction password input through the self-service banking machine and the transaction password in the transaction elements to the online transaction system, and initiating a password verification request to the online transaction system, so that the online transaction system returns a password verification pass message after the password verification is passed; in response to receiving the password verification pass message sent by the online transaction system, performing the transaction based on the transaction details."

[0105] S510: In response to a transaction start instruction, display a computer-readable code and enable a near field communication card reader function.

[0106] S520, detecting the order status and the status of the near field communication card reader, wherein the order status changes after the transaction elements are input by scanning the computer readable code.

[0107] S530: If the order status changes, receive the transaction elements sent by the online transaction system.

[0108] Wherein, the transaction elements are input into the online transaction system by scanning the computer-readable code, including a transaction password and transaction details.

[0109] S540: Receive the transaction password input by the user through the self-service banking machine.

[0110] The user enters the transaction password on site through the password keyboard of the self-service bank.

[0111] S550: Send the transaction password input through the self-service banking machine and the transaction password in the transaction element to the online transaction system, and initiate a password verification request to the online transaction system, so that the online transaction system returns a password verification success message after the password verification is successful.

[0112] Among them, the transaction password in the transaction element is the computer-readable code displayed on the screen of the self-service banking machine scanned by the user using the application software in the user terminal, and input into the online transaction system, and then returned to the self-service banking machine by the online transaction system. The self-service banking machine sends the transaction password received by the user through the password keyboard of the self-service bank and the password in the above transaction elements to the online transaction system for password verification. Password verification may include processes such as verifying whether the two received passwords are consistent and whether the received password is consistent with the data pre-stored in the online transaction system. Double guarantee, improve transaction security, reduce the situation where criminals steal the user terminal and directly conduct transactions through the user terminal when the user terminal automatically saves the password. Since the user needs to enter the password on site through the self-service banking machine, the security of the transaction can also be improved with the help of the self-service banking machine's own monitoring equipment and surrounding monitoring facilities.

[0113] S560: In response to receiving the password verification passed message sent by the online transaction system, conduct a transaction based on the transaction details.

[0114] The process of conducting transactions based on transaction details is detailed in the above embodiment and will not be repeated here.

[0115] The embodiment of the present invention verifies the transaction password input by the user through the self-service bank machine and the transaction password in the transaction element input by the user by scanning the computer-readable code through the online transaction system. After the verification is passed, the self-service bank machine conducts the transaction based on the transaction details, and verifies the passwords input twice, one of which must be input on-site through the self-service bank machine, which effectively ensures the security of the transaction.

[0116] Embodiment 6

[0117] Figure 6is a flow chart of the transaction control method in Embodiment 6 of the present invention. Embodiment 6 is further optimized on the basis of the above embodiments. Optionally, the operation "if the state of the near-field communication card reader changes, then the transaction is performed according to the transaction control mode corresponding to the changed state" is refined into "if the state of the near-field communication card reader changes, read the account information of the near-field communication carrier; receive the transaction password entered by the user through the self-service bank machine; send the transaction password to the online transaction system, and initiate a password verification request to the online transaction system, so that the online transaction system returns a password verification pass message after the password verification is passed; in response to receiving the password verification pass message sent by the online transaction system, perform a transaction on the account corresponding to the account information."

[0118] like Figure 6 As shown, the method includes:

[0119] S610: In response to a transaction start instruction, display a computer-readable code and enable a near field communication card reader function.

[0120] S620, detecting the order status and the status of the near field communication card reader, wherein the order status changes after the transaction elements are input by scanning the computer readable code.

[0121] S630: If the state of the near field communication card reader changes, read the account information of the near field communication carrier.

[0122] The near field communication carrier may be a financial radio frequency card with near field communication function, or a smart terminal with near field communication function bound to a bank card. Account information includes but is not limited to account information and bank information.

[0123] S640: Receive the transaction password input by the user through the self-service banking machine.

[0124] S650: Send the transaction password to the online transaction system, and initiate a password verification request to the online transaction system, so that the online transaction system returns a password verification success message after the password verification is successful.

[0125] S660: In response to receiving the password verification pass message sent by the online transaction system, perform a transaction on the account corresponding to the account information.

[0126] Optionally, after receiving the password verification message sent by the online transaction system, the self-service bank machine prompts the user to select a transaction type through the self-service bank machine, and reminds the user to enter the transaction amount when necessary. For example, when the transaction type is password change, inquiry or deposit, there is no need to remind the user to enter the transaction amount, but when the transaction type is withdrawal or transfer, the user needs to be reminded to enter the transaction amount. The self-service bank machine conducts transactions on the account corresponding to the account information based on the transaction type selected by the user, the transaction amount entered, and the account information read by the near field communication card reader.

[0127] The embodiment of the present invention detects a change in the state of a near-field communication card reader, that is, enters a process of using a near-field communication carrier to conduct a transaction. The user only needs to place the near-field communication carrier on the near-field communication card reader of the self-service banking machine to conduct the transaction by using the near-field communication carrier, thereby simplifying the operation of the user selecting the transaction method, improving the fluency of the transaction process, reducing the customer's operation time, and improving the user experience.

[0128] Embodiment 7

[0129] Figure 7 It is a structural diagram of the transaction control device in the seventh embodiment of the present invention. This embodiment is applicable to the situation where users conduct transactions through self-service bank machines. The method can be executed by the transaction control device, which can be implemented in software and / or hardware and can be configured in an automatic bank machine.

[0130] like Figure 7 As shown, the transaction control device 700 may include: a first control module 710 , a state detection module 720 and a transaction module 730 .

[0131] A first control module 710, for displaying a computer readable code and enabling a near field communication card reader function in response to a transaction start instruction;

[0132] a status detection module 720 for detecting an order status and a status of the near field communication card reader, wherein the order status changes after receiving a transaction element, the transaction element being input by scanning the computer readable code;

[0133] The transaction module 730 is used to perform a transaction according to a transaction control mode corresponding to the changed state if the order state or the state of the near field communication card reader changes.

[0134] The embodiment of the present invention displays a computer-readable code and turns on the near-field communication card reader function in response to a transaction start instruction, detects the order status and the state of the near-field communication card reader, and performs transactions according to the transaction control mode corresponding to the changed state when any state changes. The embodiment of the present invention optimizes and integrates the transaction mode of scanning a computer-readable code or using a near-field communication carrier to perform transactions, breaks through the barriers between transactions of different media, improves the flexibility and fluency of the transaction process, effectively simplifies the operation steps and transaction selection process, reduces the customer's operation time, and improves the user experience.

[0135] Optionally, the transaction control device 700 also includes: a transaction start instruction generation module, which is used to generate a transaction start instruction in response to a triggering operation on a transaction start button before displaying a computer readable code and turning on the near field communication card reader function in response to the transaction start instruction; or, to generate a transaction start instruction in response to a display operation on the transaction homepage.

[0136] Optionally, the status detection module 720 includes: a first status detection unit, used to simultaneously detect the order status and the status of the near-field communication card reader; or, a second status detection unit, used to poll the order status if no change in the status of the near-field communication card reader is detected within a set time period.

[0137] Optionally, the transaction control device 700 also includes: an information sending unit, which is used to send transaction identification information to the online transaction system in response to a transaction start instruction before detecting the order status and the status of the near-field communication card reader, so that the online transaction system can generate an order number according to the transaction identification information; an order number receiving unit, which is used to receive the order number returned by the online transaction system before detecting the order status and the status of the near-field communication card reader; accordingly, the status detection module 720 is specifically used to detect the order status corresponding to the order number when detecting the order status.

[0138] Optionally, the transaction module 730 includes:

[0139] A first transaction element receiving unit, configured to receive the transaction elements sent by the online transaction system after verification if the order status changes, wherein the transaction elements are input into the online transaction system by scanning the computer-readable code, and include a transaction password and transaction details;

[0140] The first transaction unit is used to conduct a transaction based on the transaction details.

[0141] Optionally, the transaction module 730 includes:

[0142] a second transaction element receiving unit, configured to receive transaction elements sent by the online transaction system if the order status changes, wherein the transaction elements are input into the online transaction system by scanning the computer-readable code, and include a transaction password and transaction details;

[0143] A first password receiving unit, used to receive a transaction password input by a user through a self-service banking machine;

[0144] A first password sending unit, used to send the transaction password input through the self-service banking machine and the transaction password in the transaction element to the online transaction system, and initiate a password verification request to the online transaction system, so that the online transaction system returns a password verification success message after the password verification is successful;

[0145] The second transaction unit is used to perform a transaction based on the transaction details in response to receiving the password verification pass message sent by the online transaction system.

[0146] Optionally, the transaction module 730 includes:

[0147] an account information unit, for reading the account information of the near field communication carrier if the state of the near field communication card reader changes;

[0148] A second password receiving unit, used to receive a transaction password input by a user through a self-service banking machine;

[0149] A second password sending unit is used to send the transaction password to the online transaction system and initiate a password verification request to the online transaction system, so that the online transaction system returns a password verification success message after the password verification is successful;

[0150] The third transaction unit is used to perform a transaction on the account corresponding to the account information in response to receiving the password verification passed message sent by the online transaction system.

[0151] Optionally, the transaction control device 700 further includes: a card reader function control module, configured to disable the near field communication card reader function if the order status changes.

[0152] The transaction control device provided in the embodiment of the present invention can execute the transaction control method provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects for executing the transaction control method.

[0153] Embodiment 8

[0154] Figure 8 The structure diagram of the self-service bank machine provided by the eighth embodiment of the present invention is as follows: Figure 8As shown, the self-service banking machine includes a processor 810, a memory 820, an input device 830 and an output device 840; the number of the processor 810 in the self-service banking machine can be one or more. Figure 8 A processor 810 is taken as an example; the processor 810, the memory 820, the input device 830 and the output device 840 in the self-service banking machine can be connected via a bus or other means. Figure 8 The example of connecting through bus is taken in the following.

[0155] The memory 820, as a computer-readable storage medium, can be used to store software programs, computer executable programs and modules, such as program instructions / modules corresponding to the transaction control method in the embodiment of the present invention (for example, the first control module 710, the status detection module 720 and the transaction module 730 in the transaction control device). The processor 810 executes various functional applications and data processing of the device by running the software programs, instructions and modules stored in the memory 820, that is, implements the transaction control method.

[0156] The memory 820 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function; the data storage area may store data created according to the use of the terminal, etc. In addition, the memory 820 may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, or other non-volatile solid-state storage device. In some instances, the memory 820 may further include a memory remotely arranged relative to the processor 810, and these remote memories may be connected to the device via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0157] The input device 830 can be used to receive input digital or character information and generate key signal input related to user settings and function control of the device, and can be a password keyboard or a near field communication card reader. The output device 840 can include a display device such as a display screen.

[0158] Embodiment 9

[0159] Embodiment 9 of the present invention further provides a computer-readable storage medium, on which a computer program is stored. When the program is executed by a processor, the transaction control method provided in the embodiment of the present invention is implemented. The transaction control method includes:

[0160] In response to a transaction start instruction, displaying a computer readable code and activating a near field communication card reader function;

[0161] detecting an order status and a status of the near field communication card reader, wherein the order status changes after transaction elements are entered by scanning the computer readable code;

[0162] If the order status or the status of the near field communication card reader changes, the transaction is performed according to the transaction control mode corresponding to the changed status.

[0163] The computer storage medium of the embodiment of the present invention can adopt any combination of one or more computer-readable media. The computer-readable medium can be a computer-readable signal medium or a computer-readable storage medium. The computer-readable storage medium can be, for example, but not limited to, a system, device or device of electricity, magnetism, light, electromagnetic, infrared, or semiconductor, or any combination of the above. More specific examples (non-exhaustive list) of computer-readable storage media include: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this document, a computer-readable storage medium can be any tangible medium containing or storing a program, which can be used by an instruction execution system, a device or a device or used in combination with it.

[0164] Computer-readable signal media may include data signals propagated in baseband or as part of a carrier wave, which carry computer-readable program code. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than a computer-readable storage medium, which may send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device.

[0165] The program code embodied on the computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

[0166] Computer program code for performing the operation of the present invention may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0167] Note that the above are only preferred embodiments of the present invention and the technical principles used. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and that various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the scope of protection of the present invention. Therefore, although the present invention has been described in more detail through the above embodiments, the present invention is not limited to the above embodiments, and may include more other equivalent embodiments without departing from the concept of the present invention, and the scope of the present invention is determined by the scope of the appended claims.

Claims

1. A transaction control method, characterized in that: include: In response to a transaction start instruction, displaying a computer readable code and activating a near field communication card reader function; detecting an order status and a status of the near field communication card reader, wherein the order status changes after transaction elements are entered by scanning the computer readable code; If the order status or the status of the near field communication card reader changes, the transaction is performed according to the transaction control mode corresponding to the changed status; The detecting the order status and the status of the near field communication card reader includes: Simultaneously detecting the order status and the status of the near field communication card reader; Alternatively, if no change in the state of the near field communication card reader is detected within a set time period, polling the order status; The detecting an order status and a status of the near field communication card reader, wherein the order status changes after a transaction element is input by scanning the computer readable code, comprises: The user inputs the transaction elements by scanning the computer-readable code, and the user terminal sends the transaction elements to the online transaction system. When the online transaction system receives the transaction elements, the order status changes from the initial status to the transaction in progress; wherein the order is generated by the online transaction system according to the transaction identification information received from the self-service banking machine; the order includes transaction device information, transaction time and transaction method information, and each order uniquely identifies a transaction; when a near-field communication carrier is placed on the card reader sensing area, the state of the near-field communication card reader changes from the initial status to the transaction in progress; If the order status or the status of the near field communication card reader changes, the transaction is performed according to the transaction control mode corresponding to the changed status, including: If the order status changes, the transaction is conducted by scanning a computer-readable code; if the state of the near-field communication card reader changes, the transaction is conducted by using a near-field communication carrier; if the order status and the state of the near-field communication card reader change at the same time, the transaction is conducted by using a near-field communication carrier; The method further comprises: If the order status changes, the near field communication card reader function is disabled.

2. The method according to claim 1, characterized in that Before the method of displaying the computer readable code and starting the near field communication card reader function in response to the transaction start instruction, it also includes: In response to a trigger operation on a transaction start button, generating a transaction start instruction; or, In response to the display operation of the transaction homepage, a transaction start instruction is generated.

3. The method according to claim 1, characterized in that Before detecting the order status and the status of the near field communication card reader, the method further includes: In response to the transaction start instruction, sending transaction identification information to the online transaction system, so that the online transaction system generates an order number according to the transaction identification information; Receiving the order number returned by the online trading system; The detection order status includes: An order status corresponding to the order number is detected.

4. The method according to claim 1, characterized in that: If the order status changes, the transaction is performed according to the transaction control mode corresponding to the changed status, including: If the order status changes, receiving the transaction elements sent by the online transaction system after the verification, wherein the transaction elements are input into the online transaction system by scanning the computer-readable code, and include the transaction password and transaction details; The transaction is performed based on the transaction details.

5. The method according to claim 1, characterized in that If the order status changes, the transaction is performed according to the transaction control mode corresponding to the changed status, including: If the order status changes, receiving transaction elements sent by the online transaction system, wherein the transaction elements are input into the online transaction system by scanning the computer-readable code, and include a transaction password and transaction details; Receive the transaction password entered by the user through the self-service banking machine; Sending the transaction password input through the self-service banking machine and the transaction password in the transaction element to the online transaction system, and initiating a password verification request to the online transaction system, so that the online transaction system returns a password verification success message after the password verification is successful; In response to receiving the verification pass message sent by the online transaction system, the transaction is performed based on the transaction details.

6. The method according to claim 1, characterized in that If the state of the near field communication card reader changes, performing a transaction according to a transaction control mode corresponding to the changed state includes: If the state of the near field communication card reader changes, reading the account information of the near field communication carrier; Receive the transaction password entered by the user through the self-service banking machine; Sending the transaction password to the online transaction system and initiating a password verification request to the online transaction system, so that the online transaction system returns a password verification success message after the password verification is successful; In response to receiving the verification pass message sent by the online transaction system, a transaction is performed on the account corresponding to the account information.

7. A transaction control device, characterized in that: include: A first control module, for displaying a computer readable code and activating a near field communication card reader function in response to a transaction start instruction; a status detection module for detecting an order status and a status of the near field communication card reader, wherein the order status changes after receiving a transaction element, the transaction element being input by scanning the computer readable code; A transaction module, configured to perform a transaction according to a transaction control mode corresponding to the changed state if the order state or the state of the near field communication card reader changes; The state detection module comprises: A first status detection unit, configured to simultaneously detect the order status and the status of the near field communication card reader; or a second status detection unit, configured to poll the order status if no change in the status of the near field communication card reader is detected within a set time period; The state detection module is specifically used for a user to input transaction elements by scanning the computer-readable code, and the user terminal sends the transaction elements to the online transaction system. When the online transaction system receives the transaction elements, the order state changes from the initial state to the transaction in progress; wherein the order is generated by the online transaction system according to the transaction identification information received from the self-service banking machine; the order includes transaction device information, transaction time and transaction method information, and each order uniquely identifies a transaction; when a near-field communication carrier is placed on the card reader sensing area, the state of the near-field communication card reader changes from the initial state to the transaction in progress; The transaction module is specifically used to conduct the transaction by scanning a computer-readable code if the order status changes; conduct the transaction by using a near-field communication carrier if the state of the near-field communication card reader changes; and conduct the transaction by using a near-field communication carrier if both the order status and the state of the near-field communication card reader change at the same time; The transaction control device also includes: A card reader function control module is used to turn off the near field communication card reader function if the order status changes.

8. A self-service banking machine, characterized in that: include: one or more processors; A memory for storing one or more programs; When the one or more programs are executed by the one or more processors, the one or more processors implement a transaction control method as described in any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that: The computer executable instructions are used to execute a transaction control method according to any one of claims 1 to 6 when executed by a computer processor.

Images