A transaction method and system

Abstract

This invention provides a transaction method and system. The method includes: a management device receiving an online banking message sent by a transaction terminal, parsing the message to obtain transaction data; sending the message to a smart key device; encrypting the transaction data to obtain confirmation information and sending it to an authorization device; the authorization device receiving the confirmation information, decrypting it to obtain transaction data, and displaying the data; obtaining the PIN code from the smart key device and a confirmation instruction to confirm the transaction data; encrypting the PIN code to obtain authorization information and sending the authorization instruction to the management device; the management device receiving the authorization instruction, decrypting the authorization information to obtain the PIN code, sending it to the smart key device, and triggering a pressing mechanism to press the confirmation button on the smart key device; receiving signature data obtained by the smart key device from processing the transaction data, and sending an online banking feedback message to the transaction terminal.

Description

Technical Field

[0001] This invention relates to the field of electronic technology, and more particularly to a transaction method and system. Background Technology

[0002] With the rapid development of the internet bringing great convenience to people, people are increasingly relying on the internet for various activities. For example, the transfer of network files and online banking transactions have gradually become an indispensable part of people's lives and work.

[0003] When conducting online banking transactions, users use a smart key device (also known as a USB key) to ensure the security and reliability of the transaction. A USB key is a small hardware device with a microprocessor that connects to the host computer via a data communication interface. The processor within the device typically uses a secure chip design, utilizing its built-in security mechanisms to perform functions such as key generation, secure key storage, and pre-installed encryption algorithms. All key-related calculations are performed internally within the authentication device, resulting in high security. The smart key device includes a display screen and a confirmation button. Transaction request messages requiring a signature must be sent to the smart key device's display screen for viewing. Only after the display is confirmed correctly and the user manually presses the confirmation button can the signature data be returned to the calculation.

[0004] However, due to the impact of the COVID-19 pandemic, many users may be working from home without warning, and the USB key is often left at the office, making it impossible to operate directly. For example, users cannot see the content displayed on the screen, nor can they press the confirmation button to confirm, which in turn leads to the inability to complete related transactions in a timely manner, causing losses to users. Summary of the Invention

[0005] The present invention aims to solve the above-mentioned problems.

[0006] The main objective of this invention is to provide a transaction method;

[0007] Another object of the present invention is to provide a transaction system.

[0008] To achieve the above objectives, the technical solution of the present invention is specifically implemented as follows:

[0009] This invention provides a transaction method, comprising: a management device receiving an online banking message sent by a transaction terminal, parsing the online banking message to obtain transaction data; the management device sending the online banking message to a smart key device; the management device encrypting the transaction data to obtain confirmation information, and sending the confirmation information to an authorization device; the authorization device receiving the confirmation information, decrypting the confirmation information to obtain the transaction data, and displaying the transaction data; and the authorization device obtaining the PIN code of the smart key device and obtaining a confirmation instruction to confirm the transaction data. The authorization device encrypts the PIN code to obtain authorization information and sends an authorization instruction to the management device. The authorization instruction includes the authorization information and a confirmation instruction. The management device receives the authorization instruction, decrypts the authorization information to obtain the PIN code, sends the PIN code to the smart key device, and triggers a pressing mechanism to press the confirmation button on the smart key device. The management device receives the signature data obtained by the smart key device from processing the transaction data and sends an online banking feedback message to the transaction terminal. The online banking feedback message includes the signature data.

[0010] The process of the management device sending the PIN code to the smart key device and triggering the pressing mechanism to press the confirmation button on the smart key device includes: after sending the PIN code to the smart key device, the management device waits for a preset time and then triggers the pressing mechanism to press the confirmation button on the smart key device.

[0011] The process of the management device triggering the pressing mechanism to press the confirmation button on the smart key device includes: the management device acquiring movement trajectory information and controlling the pressing mechanism to press the confirmation button on the smart key device according to the movement trajectory information.

[0012] The smart key device includes multiple devices; the management device sending the online banking message to the smart key device includes: the management device determining the smart key device corresponding to the online banking message according to preset rules; and the management device sending the online banking message to the smart key device corresponding to the online banking message according to preset sending rules.

[0013] The process of the management device determining the smart key device corresponding to the online banking message according to preset rules includes: the management device determining the smart key device corresponding to the online banking message according to the payer information in the transaction data; or the management device determining the smart key device corresponding to the online banking message according to the format of the online banking message.

[0014] The step of the management device sending the online banking message to the smart key device corresponding to the online banking message according to a preset sending rule includes: the management device sending the online banking message to the smart key device corresponding to the online banking message according to a pre-stored mapping relationship between the interface and the smart key device.

[0015] Another aspect of the present invention provides a transaction system, comprising: a management device, configured to receive online banking messages sent by a transaction terminal, parse the online banking messages to obtain transaction data; send the online banking messages to a smart key device; encrypt the transaction data to obtain confirmation information, and send the confirmation information to an authorization device; the authorization device, configured to receive the confirmation information, decrypt the confirmation information to obtain the transaction data, and display the transaction data; obtain the PIN code of the smart key device, and obtain a confirmation instruction to confirm the transaction data; encrypt the PIN code to obtain authorization information, and send the authorization instruction to the management device, wherein the authorization instruction includes the authorization information and the confirmation instruction; the management device is further configured to receive the authorization instruction, decrypt the authorization information to obtain the PIN code, send the PIN code to the smart key device, and trigger a pressing mechanism to press a confirmation button on the smart key device; receive signature data obtained by the smart key device processing the transaction data, and send an online banking feedback message to the transaction terminal, wherein the online banking feedback message includes the signature data.

[0016] The management device sends the PIN code to the smart key device in the following manner, and triggers the pressing mechanism to press the confirmation button on the smart key device: After sending the PIN code to the smart key device, the management device waits for a preset time and then triggers the pressing mechanism to press the confirmation button on the smart key device.

[0017] The management device triggers the pressing mechanism to press the confirmation button on the smart key device in the following manner: the management device acquires movement trajectory information and controls the pressing mechanism to press the confirmation button on the smart key device according to the movement trajectory information.

[0018] The smart key device includes multiple devices; the management device sends the online banking message to the smart key device in the following manner: the management device determines the smart key device corresponding to the online banking message according to preset rules; the management device sends the online banking message to the smart key device corresponding to the online banking message according to preset sending rules.

[0019] As can be seen from the technical solution provided by the present invention, the present invention provides a transaction method and system. Remote office users can remotely view transaction-related information and remotely send PIN codes. At the same time, they can also press the confirmation button of the smart key device through the pressing mechanism of the control management device to complete the transaction, thereby achieving the purpose of completing the transaction even when the smart key device is not with the user. Attached Figure Description

[0020] To more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the following description of the embodiments will be briefly introduced. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0021] Figure 1 A flowchart of a transaction method provided in an embodiment of the present invention;

[0022] Figure 2 This is a schematic diagram of the structure of a transaction system provided in an embodiment of the present invention. Detailed Implementation

[0023] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the protection scope of the present invention.

[0024] Figure 1 A flowchart of the transaction method provided in an embodiment of the present invention is shown. See also: Figure 1 The transaction method provided in this embodiment of the invention includes:

[0025] S1: The management device receives online banking messages sent by the transaction terminal, parses the online banking messages, and obtains the transaction data.

[0026] Specifically, the management device is connected between the transaction terminal and the smart key device, that is, one end of the management device is connected to the transaction terminal and the other end is connected to the smart key device.

[0027] The transaction terminal is a PC or other terminal that can be remotely controlled by the user to generate online banking messages and send them to the management device. After receiving the online banking messages, the management device parses the messages to extract key information such as the transaction account (payer information and payee information) and transaction amount, thus obtaining the transaction data.

[0028] S2, the management device sends the online banking message to the smart key device.

[0029] Specifically, the management device transmits online banking messages to the smart key device.

[0030] As an optional implementation of this invention, the smart key device includes multiple devices; the management device sending the online banking message to the smart key device includes: the management device determining the smart key device corresponding to the online banking message according to preset rules; and the management device sending the online banking message to the smart key device corresponding to the online banking message according to preset sending rules.

[0031] Specifically, if there are multiple smart key devices, the management device connects to each smart key device, and the smart key devices transmit the online banking message according to the smart key device corresponding to the online banking message. The management device can complete transactions from different banks by connecting multiple smart key devices.

[0032] As an optional implementation of this invention, the management device determines the smart key device corresponding to the online banking message according to preset rules, including: the management device determining the smart key device corresponding to the online banking message based on the payer information in the transaction data; or the management device determining the smart key device corresponding to the online banking message based on the format of the online banking message. Specifically, when there are multiple smart key devices, such as ICBC smart key devices, ABC smart key devices, CMB smart key devices, etc., the management device will determine which bank's smart key device it is based on preset rules. In this case, the management device can determine which bank's smart key device it is based on the payer information (e.g., payment account) in the transaction data, or it can determine which bank's smart key device it is based on the format of the online banking message.

[0033] As another optional implementation of this invention, the management device sending the online banking message to the smart key device corresponding to the online banking message according to a preset sending rule includes: the management device sending the online banking message to the smart key device corresponding to the online banking message according to a pre-stored mapping relationship between interfaces and smart key devices. Specifically, the management device pre-stores the mapping relationship between interfaces and smart key devices, for example, the first interface is connected to the ICBC smart key device, the second interface is connected to the ABC smart key device, and the third interface is connected to the CMB smart key device. After the management device determines the smart key device corresponding to the online banking message, it sends the online banking message to the smart key device corresponding to the online banking message according to the mapping relationship.

[0034] S3, the management device encrypts the transaction data, obtains the confirmation information, and sends the confirmation information to the authorized device;

[0035] S4, the authorized device receives the confirmation information, decrypts the confirmation information, obtains the transaction data, and displays the transaction data.

[0036] Specifically, authorized devices are devices held by users working remotely, such as mobile phones.

[0037] After receiving the transaction data, the management device encrypts it to prevent tampering during transmission to the authorized device. Upon receiving the encrypted transaction data, the authorized device decrypts it, retrieves the transaction data, and displays it so that remote users can view the relevant information about the transaction.

[0038] S5, the authorized device obtains the PIN code of the smart key device and obtains a confirmation instruction to confirm the transaction data.

[0039] Specifically, after remote users have verified that the transaction data is correct, they enter the PIN code of the smart key device on the authorized device and press the confirmation button to confirm the transaction data, so that the authorized device can generate a confirmation command.

[0040] S6. The authorized device encrypts the PIN code to obtain the authorization information and sends the authorization instruction to the management device. The authorization instruction includes the authorization information and the confirmation instruction.

[0041] Specifically, the authorized device encrypts the PIN code and transmits it to the management device to ensure the security of the PIN code. At the same time, it sends a confirmation instruction to the management device so that the management device can control the smart key device to perform the signing operation.

[0042] S7, the management device receives the authorization instruction, decrypts the authorization information to obtain the PIN code, sends the PIN code to the smart key device, and triggers the pressing mechanism to press the confirmation button on the smart key device.

[0043] Specifically, after receiving the encrypted PIN code, the management device decrypts it to obtain the PIN code, and sends the PIN code to the smart key device for verification. Only after the smart key device successfully verifies the PIN code will it perform the signing operation. Simultaneously, the management device triggers a pressing mechanism on its own device to press the confirmation button on the smart key device, thus completing the necessary procedures for the smart key device's signing operation.

[0044] As an optional implementation of this invention, the process of the management device sending the PIN code to the smart key device and triggering the pressing mechanism to press the confirmation button on the smart key device includes: after sending the PIN code to the smart key device, the management device waits for a preset time before triggering the pressing mechanism to press the confirmation button on the smart key device. Specifically, the management device waits for the preset time to ensure that the smart key device completes the verification of the PIN code.

[0045] As an optional implementation of this invention, the management device triggering the pressing mechanism to press the confirmation button on the smart key device includes: the management device acquiring movement trajectory information and controlling the pressing mechanism to press the confirmation button on the smart key device according to the movement trajectory information. Specifically, the management device pre-stores the movement trajectory information of the pressing mechanism. For example, when there are multiple smart key devices, the management device pre-stores the movement trajectory information of the pressing mechanism moving to each smart key device connected to the interface. For example, in step S2, the smart key device determined by the management device is the ICBC smart key device connected to the first interface. The management device acquires the movement trajectory information of the pressing mechanism moving to the ICBC smart key device connected to the first interface, controls the pressing mechanism to move to the ICBC smart key device connected to the first interface, and presses the confirmation button of the smart key device to complete the confirmation operation of the remote office user on the remote smart key device.

[0046] S8, the management device receives the signature data obtained by the smart key device from the transaction data processing, and sends the online banking feedback message to the transaction terminal. The online banking feedback message includes the signature data.

[0047] Specifically, after receiving the confirmation button instruction, the smart key device signs the transaction data and sends the online banking feedback message back to the management device, so that the management device can transmit the online banking feedback message back to the transaction terminal to complete the transaction.

[0048] Therefore, by using the transaction method provided in this embodiment of the invention, remote office users can remotely view transaction-related information and remotely send PIN codes. They can also complete the transaction by pressing the confirmation button on the smart key device through the pressing mechanism of the control management device. This allows the transaction to be completed even when the smart key device is not physically present to the user.

[0049] Figure 2 This diagram illustrates the structure of a trading system provided in an embodiment of the present invention. This trading system is applied to the aforementioned method. The following is only a brief description of the structure of the trading system provided in this embodiment; related matters are detailed in the descriptions of the aforementioned method and will not be elaborated upon here. Figure 2 The transaction system provided in this embodiment of the invention includes:

[0050] The management device is used to receive online banking messages sent by the transaction terminal, parse the online banking messages to obtain transaction data, send the online banking messages to the smart key device, encrypt the transaction data to obtain confirmation information, and send the confirmation information to the authorization device.

[0051] The authorization device is used to receive the information to be confirmed, decrypt the information to be confirmed, obtain the transaction data, and display the transaction data; obtain the PIN code of the smart key device and obtain the confirmation instruction to confirm the transaction data; encrypt the PIN code to obtain the authorization information, and send the authorization instruction to the management device, wherein the authorization instruction includes: authorization information and confirmation instruction;

[0052] The management device is also used to receive authorization instructions, decrypt authorization information to obtain a PIN code, send the PIN code to the smart key device, and trigger the pressing mechanism to press the confirmation button on the smart key device; receive signature data obtained by the smart key device from processing transaction data, and send the online banking feedback message to the transaction terminal, wherein the online banking feedback message includes: signature data.

[0053] As an optional implementation of this invention, the management device sends the PIN code to the smart key device in the following manner and triggers the pressing mechanism to press the confirmation button on the smart key device: After sending the PIN code to the smart key device, the management device waits for a preset time and then triggers the pressing mechanism to press the confirmation button on the smart key device.

[0054] As an optional implementation of this invention, the management device triggers the pressing mechanism to press the confirmation button on the smart key device in the following manner: the management device obtains movement trajectory information and controls the pressing mechanism to press the confirmation button on the smart key device according to the movement trajectory information.

[0055] As an optional implementation of this invention, the smart key device includes multiple devices; the management device sends the online banking message to the smart key device in the following manner: the management device determines the smart key device corresponding to the online banking message according to a preset rule; the management device sends the online banking message to the smart key device corresponding to the online banking message according to a preset sending rule.

[0056] As an optional implementation of this invention, the management device determines the smart key device corresponding to the online banking message according to preset rules in the following ways: the management device determines the smart key device corresponding to the online banking message based on the payer information in the transaction data; or the management device determines the smart key device corresponding to the online banking message based on the format of the online banking message.

[0057] As an optional implementation of this invention, the management device sends the online banking message to the smart key device corresponding to the online banking message in accordance with the preset sending rules as follows: the management device sends the online banking message to the smart key device corresponding to the online banking message according to the pre-stored mapping relationship between the interface and the smart key device.

[0058] Therefore, using the transaction system provided by the embodiments of the present invention, remote office users can remotely view transaction-related information and remotely send PIN codes. At the same time, they can also press the confirmation button of the smart key device through the pressing mechanism of the control management device to complete the transaction, thereby achieving the purpose of completing the transaction even when the smart key device is not with the user.

[0059] Although embodiments of the present invention have been shown and described above, it is to be understood that the above embodiments are exemplary and should not be construed as limiting the present invention. Those skilled in the art can make changes, modifications, substitutions, and variations to the above embodiments within the scope of the present invention without departing from the principles and spirit of the invention. The scope of the present invention is defined by the appended claims and their equivalents.

Claims

1. A trading method, characterized in that, include: The management device receives online banking messages sent by the transaction terminal, parses the online banking messages, and obtains transaction data; The management device sends the online banking message to the smart key device; The management device encrypts the transaction data to obtain confirmation information, and sends the confirmation information to the authorized device. The authorized device receives the confirmation information, decrypts the confirmation information to obtain the transaction data, and displays the transaction data; The authorized device obtains the PIN code of the smart key device and obtains a confirmation instruction to confirm the transaction data; The authorization device encrypts the PIN code to obtain authorization information and sends the authorization instruction to the management device, wherein the authorization instruction includes: the authorization information and the confirmation instruction; The management device receives the authorization instruction, decrypts the authorization information to obtain the PIN code, sends the PIN code to the smart key device, and triggers the pressing mechanism to press the confirmation button on the smart key device; The management device receives the signature data obtained by the smart key device from processing the transaction data, and sends the online banking feedback message to the transaction terminal, wherein the online banking feedback message includes the signature data.

2. The method according to claim 1, characterized in that, The management device sends the PIN code to the smart key device, and triggers a pressing mechanism to press the confirmation button on the smart key device, including: After sending the PIN code to the smart key device, the management device waits for a preset time and then triggers a pressing mechanism to press the confirmation button on the smart key device.

3. The method according to claim 1, characterized in that, The management device triggers a pressing mechanism to press the confirmation button on the smart key device, including: The management device acquires movement trajectory information and controls the pressing mechanism to press the confirmation button on the smart key device according to the movement trajectory information.

4. The method according to claim 1 or 3, characterized in that, The smart key device includes multiple devices; The management device sends the online banking message to the smart key device in the following ways: The management device determines the smart key device corresponding to the online banking message according to preset rules; The management device sends the online banking message to the smart key device corresponding to the online banking message according to a preset sending rule.

5. The method according to claim 4, characterized in that, The management device determines the smart key device corresponding to the online banking message according to preset rules, including: The management device determines the smart key device corresponding to the online banking message based on the payer information in the transaction data; or The management device determines the smart key device corresponding to the online banking message based on the format of the online banking message.

6. The method according to claim 4, characterized in that, The management device sends the online banking message to the smart key device corresponding to the online banking message according to a preset sending rule, including: The management device sends the online banking message to the smart key device corresponding to the online banking message according to the pre-stored mapping relationship between the interface and the smart key device.

7. A trading system, characterized in that, include: The management device is used to receive online banking messages sent by the transaction terminal, parse the online banking messages, and obtain transaction data; The online banking message is sent to the smart key device; the transaction data is encrypted to obtain confirmation information, and the confirmation information is sent to the authorized device. The authorized device is used to receive the information to be confirmed, decrypt the information to be confirmed, obtain the transaction data, and display the transaction data; Obtain the PIN code of the smart key device and obtain a confirmation instruction to confirm the transaction data; The PIN code is encrypted to obtain authorization information, and the authorization instruction is sent to the management device, wherein the authorization instruction includes: the authorization information and the confirmation instruction; The management device is further configured to receive the authorization instruction, decrypt the authorization information to obtain the PIN code, send the PIN code to the smart key device, and trigger a pressing mechanism to press the confirmation button on the smart key device; receive the signature data obtained by the smart key device from processing the transaction data, and send the online banking feedback message to the transaction terminal, wherein the online banking feedback message includes the signature data.

8. The system according to claim 7, characterized in that, The management device sends the PIN code to the smart key device in the following manner, and triggers a pressing mechanism to press the confirmation button on the smart key device: After sending the PIN code to the smart key device, the management device waits for a preset time and then triggers a pressing mechanism to press the confirmation button on the smart key device.

9. The system according to claim 7, characterized in that, The management device triggers the pressing mechanism to press the confirmation button on the smart key device in the following manner: The management device acquires movement trajectory information and controls the pressing mechanism to press the confirmation button on the smart key device according to the movement trajectory information.

10. The system according to claim 7 or 9, characterized in that, The smart key device includes multiple devices; The management device sends the online banking message to the smart key device in the following manner: The management device determines the smart key device corresponding to the online banking message according to preset rules; The management device sends the online banking message to the smart key device corresponding to the online banking message according to a preset sending rule.

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