Business processing methods, apparatus, equipment, storage media and program products

Abstract

This application discloses a business processing method, apparatus, computer equipment, storage medium, and computer program product, relating to the field of artificial intelligence recognition and classification technology. The method includes: acquiring bank card information and an RFID device identifier sent by a mobile device; acquiring an associated target business device based on the RFID device identifier and acquiring the certificate information of the target business device; if the certificate information of the target business device is verified successfully, generating an authorization code based on the RFID device identifier and the bank card information, and sending the authorization code to the mobile device; acquiring an authorization code input by a user on the target business device, and comparing the input authorization code with a stored authorization code; if the input authorization code is the same as the stored authorization code, the verification is successful, and the target business device is notified to display the bank card information. This method simplifies user operations.

Description

Technical Field

[0001] This application relates to the field of artificial intelligence recognition and classification technology, and in particular to a business processing method, apparatus, computer equipment, storage medium and computer program product. Background Technology

[0002] With the development of financial technology, cardless transaction technology for ATMs (Automated Teller Machines) has emerged.

[0003] In existing cardless transaction methods, users must first enter their bank card number into the ATM before they can conduct a cardless transaction. However, bank card numbers typically consist of a string of more than ten digits, which is difficult to remember, and the process of sequentially entering these digits into the ATM is cumbersome, failing to provide users with a convenient and fast service. Summary of the Invention

[0004] Therefore, it is necessary to provide a business processing method, apparatus, computer equipment, computer-readable storage medium, and computer program product that can simplify user operations to address the aforementioned technical problems.

[0005] In a first aspect, this application provides a business processing method, the method comprising: acquiring bank card information and radio frequency device identifier sent by a mobile device; acquiring an associated target business device based on the radio frequency device identifier, and acquiring certificate information of the target business device; if the certificate information of the target business device is verified, generating an authorization code based on the radio frequency device identifier and the bank card information, and sending the authorization code to the mobile device; acquiring an authorization code input by a user on the target business device, and comparing the input authorization code with a stored authorization code; if the input authorization code is the same as the stored authorization code, the verification is successful, and the target business device is notified to display the bank card information.

[0006] In one embodiment, the radio frequency device identifier includes multiple groups, and each group of radio frequency device identifiers is associated with a service device; the step of obtaining the associated target service device based on the radio frequency device identifier includes: obtaining multiple candidate service devices based on the multiple groups of radio frequency device identifiers; obtaining available resource data corresponding to each candidate service device; and selecting one candidate service device as the target service device from the candidate service devices whose available resource data is greater than a preset resource threshold.

[0007] In one embodiment, the method further includes: periodically acquiring radio frequency signals sent by the mobile device that are associated with the target business device; obtaining a first distance based on the radio frequency signals; and if the first distance is greater than a preset distance, sending an exit login instruction to the target business device to instruct the target business device to exit the logged-in bank card information.

[0008] In one embodiment, obtaining the first distance based on the radio frequency signal includes: acquiring the signal strength of the radio frequency signal, the environmental attenuation factor, and the signal strength when the transmitter and receiver are separated by a unit distance; and calculating the first distance based on the signal strength of the radio frequency signal, the environmental attenuation factor, and the signal strength when the transmitter and receiver are separated by a unit distance.

[0009] Secondly, this application also provides a business processing method applied to a mobile device. The method includes: receiving a radio frequency signal sent by a target business device through an associated radio frequency device, and sending the radio frequency device identifier and bank card information in the radio frequency signal to a server; receiving an authorization code sent by the server; the authorization code is generated by the server based on the radio frequency device identifier and the bank card information after the certificate information of the target business device associated with the radio frequency device identifier has been verified; the authorization code is used to instruct a user to enter an authorization code on the target business device, and to display the bank card information on the target business device after the authorization code has been verified.

[0010] Thirdly, this application also provides a business processing method applied to a business device. The method includes: transmitting a radio frequency signal through an associated radio frequency device; receiving a certificate acquisition request sent by a server; the certificate acquisition request is generated by the server after receiving bank card information and a radio frequency device identifier sent by a mobile device, and acquiring the associated business device based on the radio frequency device identifier; sending its own certificate information to the server; the server verifies the certificate information, and after successful verification, generates an authorization code based on the radio frequency device identifier and the bank card information, and sends the authorization code to the mobile device; acquiring an authorization code input by a user, and sending the input authorization code to the server; the server compares the input authorization code with a stored authorization code; if the input authorization code is the same as the stored authorization code, the verification is successful, and a notification and bank card information are sent to the business device; acquiring the notification and the bank card information, and displaying the bank card information according to the notification.

[0011] Fourthly, this application also provides a business processing apparatus, the apparatus comprising: a first acquisition module, configured to acquire bank card information and radio frequency device identifier sent by a mobile device; a second acquisition module, configured to acquire an associated target business device based on the radio frequency device identifier, and acquire certificate information of the target business device; an authorization code generation module, configured to generate an authorization code based on the radio frequency device identifier and the bank card information if the certificate information of the target business device is verified, and send the authorization code to the mobile device; a comparison module, configured to acquire an authorization code input by a user on the target business device, and compare the input authorization code with a stored authorization code; and a notification module, configured to, if the input authorization code is the same as the stored authorization code, verify the data is passed, and notify the target business device to display the bank card information.

[0012] In one embodiment, the second acquisition module includes: a candidate acquisition module, configured to acquire multiple candidate service devices based on multiple sets of radio frequency device identifiers; a resource acquisition module, configured to acquire available resource data corresponding to each candidate service device; and a selection module, configured to select one candidate service device as the target service device from among the candidate service devices whose available resource data is greater than a preset resource threshold.

[0013] In one embodiment, the device further includes: a timing module, configured to periodically acquire radio frequency signals sent by the mobile device that are associated with the target business device; and a logout module, configured to obtain a first distance based on the radio frequency signals, and if the first distance is greater than a preset distance, to send a logout command to the target business device to instruct the target business device to log out of the logged-in bank card information.

[0014] In one embodiment, the logout module includes: a data acquisition module for acquiring the signal strength of the radio frequency signal, the environmental attenuation factor, and the signal strength when the transmitter and receiver are separated by a unit distance; and a calculation module for calculating a first distance based on the signal strength of the radio frequency signal, the environmental attenuation factor, and the signal strength when the transmitter and receiver are separated by a unit distance.

[0015] Fifthly, this application also provides a business processing apparatus applied to a mobile device, the apparatus comprising: a first communication module, configured to receive a radio frequency signal transmitted by a target business device through an associated radio frequency device, and to transmit the radio frequency device identifier and bank card information in the radio frequency signal to a server; a second receiving module, configured to receive an authorization code transmitted by the server; the authorization code is generated by the server based on the radio frequency device identifier and the bank card information after the certificate information of the target business device associated with the radio frequency device identifier has been verified; the authorization code is used to instruct a user to input an authorization code on the target business device, and to display the bank card information on the target business device after the authorization code has been verified.

[0016] Sixthly, this application also provides a business processing apparatus applied to a business device, the apparatus comprising: a transmitting module for transmitting radio frequency signals through an associated radio frequency device; a receiving request module for receiving a certificate acquisition request sent by a server; the certificate acquisition request is generated by the server after receiving bank card information and a radio frequency device identifier sent by a mobile device, and acquiring the associated business device based on the radio frequency device identifier; a certificate sending module for sending its own certificate information to the server; the server for verifying the certificate information, and after successful verification, generating an authorization code based on the radio frequency device identifier and the bank card information, and sending the authorization code to the mobile device; an authorization sending module for acquiring an authorization code input by a user and sending the input authorization code to the server; the server for comparing the input authorization code with a stored authorization code; if the input authorization code is the same as the stored authorization code, the verification is successful, and a notification and bank card information are sent to the business device; and a display module for acquiring the notification and the bank card information, and displaying the bank card information according to the notification.

[0017] In a seventh aspect, this application also provides a computer device. The computer device includes a memory and a processor, the memory storing a computer program, and the processor executing the computer program to implement the steps of the method described above.

[0018] Eighthly, this application also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program thereon, which, when executed by a processor, implements the steps of the above-described method.

[0019] Ninthly, this application also provides a computer program product. The computer program product includes a computer program that, when executed by a processor, implements the steps of the method described above.

[0020] The aforementioned business processing method, apparatus, computer equipment, storage medium, and computer program product involve a server generating and storing an authorization code based on the target business device's radio frequency identification (RFI) and bank card information. The server verifies the information using the authorization code input by the target business device and the stored authorization code. Upon successful verification, the server notifies the target business device to display the bank card information. The authorization code generated using the target business device's RFI and bank card information, based on successful verification of the target business device's certificate information, combines the target business device and bank card information, increasing the complexity of authorization code generation and achieving dual verification, thus improving authorization security. During the dual verification process, only the user needs to input the authorization code to display the bank card information, simplifying the operation and providing users with convenient and fast service. Attached Figure Description

[0021] Figure 1 This is an application environment diagram of a business processing method in one embodiment;

[0022] Figure 2 This is a flowchart illustrating a business processing method in one embodiment;

[0023] Figure 3 This is a structural block diagram of a service processing device in one embodiment;

[0024] Figure 4 This is an internal structural diagram of a computer device in one embodiment. Detailed Implementation

[0025] To make the objectives, technical solutions, and advantages of this application clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the scope of this application.

[0026] The business processing method provided in this application embodiment can be applied to, for example, Figure 1In the application environment shown, server 102 communicates with target business equipment 104 and mobile device 106 via a network. Target business equipment 104 communicates with mobile device 106 via radio frequency (RF) equipment. The data storage system in server 102 can store the data to be processed. The data storage system can be integrated on server 102 or placed in the cloud or on other network servers. Server 102 obtains bank card information and RF equipment identifiers sent by the mobile device; it obtains the associated target business equipment based on the RF equipment identifier and obtains the certificate information of the target business equipment; if the certificate information of the target business equipment is verified, it generates an authorization code based on the RF equipment identifier and bank card information, and sends the authorization code to the mobile device; it obtains the authorization code entered by the user on the target business equipment and compares the entered authorization code with the stored authorization code; if the entered authorization code is the same as the stored authorization code, the verification is successful, and the target business equipment is notified to display the bank card information. Server 102 can be implemented using a standalone server or a server cluster composed of multiple servers. Target business equipment 104 can be, but is not limited to, various ATMs (Automatic Teller Machines). Mobile devices 106 can be, but are not limited to, various personal computers, laptops, smartphones, tablets, IoT devices, and portable wearable devices. IoT devices can include smart speakers, smart TVs, smart air conditioners, smart in-vehicle devices, etc. Portable wearable devices can include smartwatches, smart bracelets, head-mounted devices, etc.

[0027] In one embodiment, such as Figure 2 As shown, a business processing method is provided, which is applied to... Figure 1 Taking server 102 as an example, the explanation includes the following steps:

[0028] Step 202: Obtain the bank card information and radio frequency device identifier sent by the mobile device.

[0029] The mobile device is associated with the user's bank card information and connected to the target business device, and can receive the radio frequency device identifier sent by the target business device through the radio frequency device; the mobile device receives the instruction input by the user, and uses the instruction to determine a bank card to be operated from at least one bank card associated with the mobile device.

[0030] Once the mobile device receives the radio frequency device identifier (RFD) from the target service device and identifies the bank card to be operated, it sends the RFD and the corresponding bank card information to the server. The server then retrieves the bank card information and RFD sent by the mobile device.

[0031] Optionally, the target service equipment can be, but is not limited to, various ATMs (Automated Teller Machines). Bank card information includes, but is not limited to, bank card numbers; this application does not limit the bank card information, as long as it provides unique identification for the bank card. The radio frequency (RF) device can be an iBeacon base station. Optionally, the RF device is installed on the target service equipment. Preferably, three RF devices are installed on each target service equipment. When the RF device is an iBeacon base station, the iBeacon base station on the target service equipment transmits RF signals to the mobile device, and these RF signals include the RF device identifier.

[0032] Step 204: Obtain the associated target service device based on the radio frequency device identifier, and obtain the certificate information of the target service device.

[0033] It should be noted that each radio frequency device has a unique radio frequency device identifier, and the radio frequency device is located on the target service device. Therefore, the target service device where the corresponding radio frequency device is located can be determined based on the radio frequency device identifier.

[0034] The certificate information is used to indicate the corresponding permissions and legitimacy.

[0035] Optionally, the relationship between the radio frequency device identifier and its corresponding target service device is pre-stored in the server. The server obtains the corresponding target service device based on the radio frequency device identifier and retrieves the certificate information of the target service device.

[0036] Step 206: If the certificate information of the target business device is verified, an authorization code is generated based on the radio frequency device identifier and bank card information, and the authorization code is sent to the mobile device.

[0037] Optionally, the authorization code can be a dynamic verification code.

[0038] Optionally, if the certificate information of the target business device matches the requirements of the target business device for processing bank card information, then the certificate information of the target business device is considered to have passed verification.

[0039] Optionally, the certificate information for the target business device can be the target business device's digital certificate. The server verifies whether the target business device's digital certificate is the same as the digital certificate of the target business device stored on the server. If they are the same, the verification passes; otherwise, the verification fails. Furthermore, the digital certificate can have an expiration date. After verifying that the target business device's digital certificate is the same as the digital certificate of the target business device stored on the server, the server further verifies whether the target business device's digital certificate is within its validity period. If it is within its validity period, the certificate information verification for the target business device passes; otherwise, the verification fails.

[0040] Step 208: Obtain the authorization code entered by the user on the target business device, and compare the entered authorization code with the stored authorization code.

[0041] When the mobile device receives the authorization code from the server, it displays it. The user then enters the authorization code displayed on the mobile device into the target service device. The target service device retrieves the user-entered authorization code and sends it to the server. The server retrieves the authorization code entered by the user on the target service device and compares it with the stored authorization codes.

[0042] Step 210: If the entered authorization code is the same as the stored authorization code, the verification is successful, and the target business device is notified to display the bank card information.

[0043] If the entered authorization code is the same as the stored authorization code, which is generated by the server based on the radio frequency device identifier and bank card information, the verification is successful, and the target business device is notified to display the bank card information sent by the mobile device.

[0044] In the above business processing method, the server generates and stores an authorization code using the RFID tag of the target business device and the bank card information. The server verifies the information using the authorization code input by the target business device and the stored authorization code. If the verification is successful, the server notifies the target business device to display the bank card information. The authorization code generated using the RFID tag of the target business device and the bank card information, based on the successful verification of the target business device's certificate information, combines the target business device and bank card information, increasing the complexity of authorization code generation and achieving dual verification, thus improving authorization security. During the dual verification process, only the user needs to input the authorization code to display the bank card information, making the operation simple and providing users with convenient and fast service.

[0045] In one embodiment, the radio frequency device identifier includes multiple groups, and each group of radio frequency device identifiers is associated with a service device; obtaining the associated target service device based on the radio frequency device identifier includes: obtaining multiple candidate service devices based on the multiple groups of radio frequency device identifiers; obtaining available resource data corresponding to each candidate service device; and selecting one of the candidate service devices whose available resource data is greater than a preset resource threshold as the target service device.

[0046] In one optional scenario, there are multiple service devices (optionally, ATMs) around the user, and each service device is equipped with a group of radio frequency (RF) devices, with each group of RF devices including at least one RF device. Preferably, each group of RF devices includes three RF devices.

[0047] Optionally, all radio frequency (RF) devices installed on the service equipment transmit RF signals to their surroundings. Mobile devices can only receive RF signals from a subset of the service equipment, with each service equipment's RF signal forming a group of RF signals. The service equipment corresponding to the RF signals that the mobile device can receive is considered a candidate service equipment. It should be noted that the strength of the RF signals transmitted by the RF devices decreases with increasing distance; therefore, mobile devices can only receive RF signals transmitted by RF devices within a certain range. It should also be noted that the number of candidate service equipment can be one or more. Optionally, the identifier of each group of RF device signals corresponds to a service equipment and is pre-stored in a mapping table on the server. The target service equipment is the service equipment ultimately operated by the user. The resource threshold is a pre-set value; this application does not limit the specific value of the resource threshold and allows it to be set based on actual conditions or experience.

[0048] The mobile device processes the received radio frequency (RF) signals to obtain the corresponding RF device identifiers and sends them to the server. The server retrieves a table mapping each RF device identifier to a service device, determines the corresponding service device based on each RF device identifier, and sets the determined service device as a candidate service device. The server obtains the available resource data corresponding to each candidate service device; when the service device is an ATM, the available resource data can be the amount of cash stored in the ATM. The server selects one of the candidate service devices whose available resource data is greater than a preset resource threshold as the target service device. Optionally, if the available resources of all candidate service devices are less than the preset resource threshold, the candidate service device with the largest available resource is selected as the target service device.

[0049] Optionally, the server selects a target service device from candidate service devices whose available resource data is greater than a preset resource threshold, including: the server uses candidate service devices whose available resource data is greater than the preset resource threshold as intermediate service devices, and determines the intermediate service device that is closest to the mobile device as the target service device.

[0050] In the above business processing method, selecting a target business device from candidate business devices based on available resource data increases the amount of available resource data that the user can control, thereby increasing user satisfaction. This avoids situations where the available resource data for the user is too small, failing to meet the user's needs.

[0051] In one embodiment, the method further includes: periodically acquiring radio frequency signals sent by the mobile device that are associated with the target business device; obtaining a first distance based on the radio frequency signals; and if the first distance is greater than a preset distance, sending an exit login instruction to the target business device to instruct the target business device to exit the logged-in bank card information.

[0052] The first distance is the distance between the target business device and the mobile device. The preset distance is a pre-set distance. This application does not limit the specific value of the preset distance, which can be adjusted according to actual needs. Optionally, the preset distance is 1m.

[0053] In an optional scenario, after the server notifies the target business device to display the bank card information, the radio frequency (RF) device on the target business device continuously transmits RF signals. The mobile device processes the received RF signals into a corresponding RF device identifier and sends the RF device identifier and the corresponding RF signal to the server. The server periodically obtains the RF device signal and the RF signal corresponding to the target business device, and calculates a first distance between the target business device and the mobile device based on the RF signal. If the first distance is greater than a preset distance, a logout command is sent to the target business device to instruct the target business device to log out of the logged-in bank card information.

[0054] In the above business processing method, the server determines whether the target business device has logged out of the logged-in bank card information based on a first distance between the target business device and the mobile device. If the first distance is greater than a preset distance, it means that the distance between the user's mobile device and the target business device is greater than the preset distance, and the user has left the target business device. When the user leaves the target business device, automatic logout will prevent others from operating on the account corresponding to the logged-in bank card information and causing financial loss due to forgetting to log out of the logged-in bank card information.

[0055] In one embodiment, obtaining the first distance based on the radio frequency signal includes: acquiring the signal strength of the radio frequency signal, the environmental attenuation factor, and the signal strength when the transmitter and receiver are separated by a unit distance; and calculating the first distance based on the signal strength of the radio frequency signal, the environmental attenuation factor, and the signal strength when the transmitter and receiver are separated by a unit distance.

[0056] Formula (1) for obtaining the first distance based on the radio frequency signal is as follows:

[0057] d=10^(abs(RSSI)-A) / (10*n) (1)

[0058] Where d is the first distance, RSSI is the signal strength of the radio frequency signal of the target service device received by the mobile device, A is the signal strength when the transmitter (target service device) and receiver (mobile device) are one meter apart, and n is the environmental attenuation factor. The RSSI in formula (1) is obtained by the server based on the radio frequency signal of the target service device sent by the mobile device.

[0059] Optionally, if the number of radio frequency signals transmitted by the target service device acquired by the server is greater than 1, then the initial first distance corresponding to all received radio frequency signals is calculated, and the first distance is obtained based on all the initial first distances. Here, the initial first distance is the first distance corresponding to one radio frequency signal from the target service device acquired by the server.

[0060] The above business processing method describes a specific formula for calculating the first distance, making the calculation result of the first distance more accurate.

[0061] A business processing method applied to a mobile device includes: receiving a radio frequency signal transmitted by a target business device through an associated radio frequency device, and sending the radio frequency device identifier and bank card information in the radio frequency signal to a server; receiving an authorization code sent by the server; the authorization code is generated by the server based on the radio frequency device identifier and bank card information after the certificate information of the target business device associated with the radio frequency device identifier has been verified; the authorization code is used to instruct the user to enter an authorization code on the target business device, and to display the bank card information on the target business device after the authorization code has been verified.

[0062] A business processing method, applied to a business device, includes: transmitting a radio frequency signal via an associated radio frequency device; receiving a certificate acquisition request from a server; the certificate acquisition request is generated by the server after receiving bank card information and a radio frequency device identifier sent by a mobile device, and acquiring the associated business device based on the radio frequency device identifier; sending its own certificate information to the server; the server verifies the certificate information, and after successful verification, generates an authorization code based on the radio frequency device identifier and bank card information, and sends the authorization code to the mobile device; acquiring an authorization code input by a user, and sending the input authorization code to the server; the server compares the input authorization code with a stored authorization code; if the input authorization code matches the stored authorization code, the verification is successful, and a notification and bank card information are sent to the business device; acquiring the notification and bank card information, and displaying the bank card information according to the notification.

[0063] In one embodiment, the target service device is an ATM (Automated Teller Machine). The bank card information is the bank card number. The radio frequency (RF) device is an iBeacon base station. The RF devices are installed on the ATM. Each ATM has three RF devices. The iBeacon base station on the ATM sends an RF signal to the mobile device, which includes an RF device identifier. The mobile device is associated with the user's bank card information and connected to the ATM. It can receive the RF device identifier sent by the ATM through the iBeacon base station. The mobile device receives user input instructions (such as a shake-to-operate gesture) and uses these instructions to determine a bank card to be operated from at least one bank card associated with the mobile device. After receiving the RF device identifier sent by the ATM and determining the bank card to be operated, the mobile device sends the RF device identifier and the corresponding bank card information to the server. The server obtains the bank card information and RF device identifier sent by the mobile device. The server obtains the certificate information of the associated ATM based on the RF device identifier. If the certificate information of the associated ATM matches the "requirements for ATMs to process bank card information," the certificate information verification for the associated ATM is considered successful. The server generates an authorization code based on the RFID device identifier and bank card information and sends the authorization code to the mobile device. When the mobile device receives the authorization code sent by the server, it displays it to the user. The user enters the authorization code displayed on the mobile device into the ATM. The ATM obtains the authorization code entered by the user and sends it to the server. The server obtains the authorization code entered by the user at the ATM and the identifier of the ATM that sent the authorization code, and compares the entered authorization code and the identifier of the ATM that sent the authorization code with the stored authorization code and the identifier of the ATM corresponding to the RFID device identifier that generated the authorization code. If the comparison result is the same, the verification is successful, and the ATM is notified to display the bank card information sent by the mobile device.

[0064] In one embodiment, it should be noted that BLE: Bluetooth Low Energy (or Bluetooth LE, BLE, formerly known as Bluetooth Smart), also called Bluetooth Low Energy, is a personal area network (PAN) technology designed and marketed by the Bluetooth Special Interest Group (SIG) for emerging applications in healthcare, sports and fitness, beacons, security, and home entertainment. Compared to classic Bluetooth, Bluetooth Low Energy aims to significantly reduce power consumption and cost while maintaining the same communication range.

[0065] iBeacon Protocol: iBeacon is a new feature introduced in Apple's iOS 7 operating system for mobile devices, released in September 2013. It works by having devices equipped with Bluetooth Low Energy (BLE) communication send their unique UUID (Universally Unique Identifier), Major, Minor, and Measured Power to their surroundings. Applications receiving these four elements will then take appropriate actions.

[0066] iBeacon base stations: These are Bluetooth devices that use the iBeacon protocol to periodically transmit radio frequency signals. Their size is generally determined by the size of the button battery they use, and their price ranges from a few yuan to tens of yuan. Battery life is typically over two years.

[0067] iBeacon indoor positioning system: Similar to satellite positioning, a mobile phone can calculate its own location by receiving information transmitted from three reasonably deployed iBeacon base stations. The more base stations there are, the higher the accuracy of the calculation. Several companies already offer mature iBeacon indoor positioning systems on the market, with an accuracy of up to 1 meter.

[0068] The service equipment is an ATM, the mobile device is a mobile phone, and the iBeacon base station is a radio frequency device. The mobile device includes a target application, Bluetooth Low Energy, and an iBeacon indoor positioning system. The target application includes bank card information for at least one of the user's bank cards. The ATM includes three iBeacon base stations.

[0069] It should be noted that the iBeacon base station on the ATM continuously transmits radio frequency signals to the surrounding area, and the radio frequency signals include radio frequency device identifiers.

[0070] Users can wake up the target program on their phone by shaking it and then send operation commands to the target program.

[0071] The target program acquires radio frequency (RF) signals emitted by iBeacon base stations on nearby ATMs via Bluetooth Low Energy based on user input commands, and determines the bank card to be operated based on the user's input commands. The target program processes the RF signals into an RF device identifier and sends the RF device identifier and bank card information to the server. The server obtains the bank card information and RF device identifier sent by the target program; it retrieves the associated ATM based on the RF device identifier and sends the corresponding certificate acquisition request to the associated ATM.

[0072] The associated ATM sends the corresponding certificate information to the server.

[0073] The server obtains the ATM's certificate information; if the certificate information of the associated ATM is verified, an authorization code is generated based on the RFID device identifier and bank card information of the associated ATM, and the authorization code is sent to the target program and the associated ATM.

[0074] The target program receives the authorization code sent by the server and displays it to the user. The user then enters the authorization code into the ATM.

[0075] The ATM compares the authorization code entered by the user with the authorization code sent by the server; if the entered authorization code matches the stored authorization code, the verification is successful and the bank card information is displayed.

[0076] It should be understood that although the steps in the flowcharts of the embodiments described above are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the flowcharts of the embodiments described above may include multiple steps or multiple stages. These steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least some of the steps or stages of other steps.

[0077] Based on the same inventive concept, this application also provides a business processing apparatus for implementing the business processing method described above. The solution provided by this apparatus is similar to the implementation scheme described in the above method; therefore, the specific limitations in one or more business processing apparatus embodiments provided below can be found in the limitations of the business processing method described above, and will not be repeated here.

[0078] In one embodiment, such as Figure 3 As shown, a business processing apparatus is provided, including: a first acquisition module 100, a second acquisition module 200, an authorization code generation module 300, a comparison module 400, and a notification module 500, wherein:

[0079] The first acquisition module 100 is used to acquire bank card information and radio frequency device identifier sent by the mobile device;

[0080] The second acquisition module 200 is used to acquire the associated target service device based on the radio frequency device identifier, and to acquire the certificate information of the target service device;

[0081] The authorization code generation module 300 is used to generate an authorization code based on the radio frequency device identifier and the bank card information if the certificate information of the target business device is verified, and then send the authorization code to the mobile device.

[0082] The comparison module 400 is used to obtain the authorization code entered by the user on the target service device and compare the entered authorization code with the stored authorization code;

[0083] The notification module 500 is used to notify the target business device to display the bank card information if the input authorization code is the same as the stored authorization code, and the verification is successful.

[0084] In one embodiment, the second acquisition module includes: a candidate acquisition module, configured to acquire multiple candidate service devices based on multiple sets of radio frequency device identifiers; a resource acquisition module, configured to acquire available resource data corresponding to each candidate service device; and a selection module, configured to select one candidate service device as the target service device from among the candidate service devices whose available resource data is greater than a preset resource threshold.

[0085] In one embodiment, the device further includes: a timing module for periodically acquiring radio frequency signals sent by the mobile device that are associated with the target business device; and a logout module for obtaining a first distance based on the radio frequency signals, and if the first distance is greater than a preset distance, sending a logout command to the target business device to instruct the target business device to log out of the logged-in bank card information.

[0086] In one embodiment, the logout module includes: a data acquisition module, configured to acquire the signal strength of the radio frequency signal, the environmental attenuation factor, and the signal strength when the transmitter and receiver are separated by a unit distance; and a calculation module, configured to calculate a first distance based on the signal strength of the radio frequency signal, the environmental attenuation factor, and the signal strength when the transmitter and receiver are separated by a unit distance.

[0087] In one embodiment, a business processing apparatus, applied to a mobile device, includes: a first communication module for receiving radio frequency signals transmitted by a target business device through an associated radio frequency device, and transmitting the radio frequency device identifier and bank card information in the radio frequency signal to a server; and a second receiving module for receiving an authorization code sent by the server; the authorization code is generated by the server based on the radio frequency device identifier and bank card information after the certificate information of the target business device associated with the radio frequency device identifier has been verified; the authorization code is used to instruct the user to enter an authorization code on the target business device, and to display the bank card information on the target business device after the authorization code has been verified.

[0088] In one embodiment, a business processing apparatus, applied to a business device, includes the following method: a sending module for sending radio frequency signals through an associated radio frequency device; a receiving request module for receiving a certificate acquisition request sent by a server; the certificate acquisition request is generated by the server after receiving bank card information and a radio frequency device identifier sent by a mobile device, and acquiring the associated business device based on the radio frequency device identifier; a certificate sending module for sending its own certificate information to the server; the server verifies the certificate information, and after successful verification, generates an authorization code based on the radio frequency device identifier and bank card information, and sends the authorization code to the mobile device; an authorization sending module for acquiring an authorization code input by a user and sending the input authorization code to the server; the server compares the input authorization code with a stored authorization code; if the input authorization code is the same as the stored authorization code, the verification is successful, and a notification and bank card information are sent to the business device; and a display module for acquiring the notification and bank card information, and displaying the bank card information according to the notification.

[0089] Each module in the aforementioned business processing device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device in hardware form, or stored in the memory of a computer device in software form, so that the processor can call and execute the operations corresponding to each module.

[0090] In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be as follows: Figure 4As shown, the computer device includes a processor, memory, input / output interfaces, a communication interface, a display unit, and an input device. The processor, memory, and input / output interfaces are connected via a system bus, and the communication interface, display unit, and input device are also connected to the system bus via the input / output interfaces. The processor provides computing and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system and computer programs. The internal memory provides an environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The input / output interfaces are used for exchanging information between the processor and external devices. The communication interface is used for wired or wireless communication with external terminals; wireless communication can be achieved through Wi-Fi, mobile cellular networks, NFC (Near Field Communication), or other technologies. When the computer program is executed by the processor, it implements a business processing method. The display unit is used to form a visually visible image and can be a display screen, a projection device, or a virtual reality imaging device. The display screen can be an LCD screen or an e-ink screen. The input device of the computer device can be a touch layer covering the display screen, or buttons, trackballs, or touchpads set on the casing of the computer device, or external keyboards, touchpads, or mice, etc.

[0091] Those skilled in the art will understand that Figure 4 The structure shown is merely a block diagram of a portion of the structure related to the present application and does not constitute a limitation on the computer device to which the present application is applied. Specific computer devices may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements.

[0092] In one embodiment, a computer device is also provided, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to implement the steps in the above method embodiments.

[0093] In one embodiment, a computer-readable storage medium is provided having a computer program stored thereon that, when executed by a processor, implements the steps in the above method embodiments.

[0094] In one embodiment, a computer program product is provided, including a computer program that, when executed by a processor, implements the steps in the above method embodiments.

[0095] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of the relevant data shall comply with the relevant laws, regulations and standards of the relevant countries and regions.

[0096] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. Any references to memory, databases, or other media used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM). The databases involved in the embodiments provided in this application may include at least one type of relational database and non-relational database. Non-relational databases may include, but are not limited to, blockchain-based distributed databases. The processors involved in the embodiments provided in this application may be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, quantum computing-based data processing logic devices, etc., and are not limited to these.

[0097] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0098] The embodiments described above are merely illustrative of several implementation methods of this application, and while the descriptions are specific and detailed, they should not be construed as limiting the scope of this patent application. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of this application, and these all fall within the protection scope of this application. Therefore, the protection scope of this application should be determined by the appended claims.

Claims

1. A service processing method characterized by, The method comprises: acquiring bank card information and radio frequency device identification sent by a mobile device; the radio frequency device identification is obtained from a radio frequency signal emitted by a target service device; acquiring the target service device associated with the radio frequency device identification and acquiring certificate information of the target service device; the target service device is an ATM; if the certificate information of the target service device is verified, generating an authorization code according to the radio frequency device identification and the bank card information and sending the authorization code to the mobile device; acquiring an authorization code input by a user on the target service device and comparing the input authorization code with the stored authorization code; if the input authorization code is the same as the stored authorization code, the verification is passed, and the target service device is instructed to display the bank card information; the radio frequency device identification comprises multiple groups, and each group of radio frequency device identification is associated with a service device; the target service device associated with the radio frequency device identification is acquired by: acquiring multiple candidate service devices according to multiple groups of radio frequency device identification; acquiring available resource data corresponding to each candidate service device; selecting one candidate service device with available resource data greater than a preset resource threshold as the target service device.

2. The method of claim 1, wherein, The method further comprises: acquiring a radio frequency signal associated with the target service device sent by the mobile device at a timing; obtaining a first distance according to the radio frequency signal, and if the first distance is greater than a preset distance, sending a logout instruction to the target service device to instruct the target service device to log out of the bank card information.

3. The method of claim 2, wherein, Obtaining a first distance according to the radio frequency signal comprises: acquiring the signal strength of the radio frequency signal, the environmental attenuation factor, and the signal strength when the transmitting end and the receiving end are separated by a unit distance; calculating the first distance according to the signal strength of the radio frequency signal, the environmental attenuation factor, and the signal strength when the transmitting end and the receiving end are separated by a unit distance.

4. A service processing method characterized by, Applied to a mobile device, the method comprises: receiving a radio frequency signal sent by a target service device through an associated radio frequency device and sending a radio frequency device identification and bank card information in the radio frequency signal to a server; the radio frequency device identification is obtained from a radio frequency signal emitted by a target service device; the radio frequency device identification comprises multiple groups, and each group of radio frequency device identification is associated with a service device; the process of acquiring the target service device associated with the radio frequency device identification comprises: acquiring multiple candidate service devices according to multiple groups of radio frequency device identification; acquiring available resource data corresponding to each candidate service device; selecting one candidate service device with available resource data greater than a preset resource threshold as the target service device; the target service device is an ATM; Receiving the authorization code sent by the server; the authorization code is generated by the server according to the radio frequency device identifier and the bank card information after the certificate information of the target business equipment associated with the radio frequency device identifier is verified; the authorization code is used to indicate the authorization code input by the user on the target business equipment, and the bank card information is displayed on the target business equipment after the authorization code is verified.

5. A service processing method characterized by, The method is applied to a business equipment, and the method comprises: Sending a radio frequency signal through an associated radio frequency device; the radio frequency signal comprises a radio frequency device identifier; the radio frequency device identifier comprises multiple groups, and each group of radio frequency device identifiers is associated with a business equipment; the process of obtaining the target business equipment associated with the radio frequency device identifier comprises: obtaining multiple candidate business equipments according to the multiple groups of radio frequency device identifiers; obtaining available resource data corresponding to each candidate business equipment; selecting one candidate business equipment with available resource data greater than a preset resource threshold as the target business equipment; the target business equipment is an ATM; Receiving a certificate acquisition request sent by a server; the certificate acquisition request is generated by the server after receiving bank card information and a radio frequency device identifier sent by a mobile device and obtaining a business equipment associated with the radio frequency device identifier; Sending the certificate information of the server to the server; the server is used to verify the certificate information, and generate an authorization code according to the radio frequency device identifier and the bank card information after the verification is passed, and send the authorization code to the mobile device; Obtaining the authorization code input by the user, and sending the input authorization code to the server; the server is used to compare the input authorization code with the stored authorization code; if the input authorization code is the same as the stored authorization code, the verification is passed, and the notification and the bank card information are sent to the business equipment; Obtaining the notification and the bank card information, and displaying the bank card information according to the notification.

6. A service processing apparatus characterized by comprising: The device comprises: A first obtaining module is configured to obtain bank card information and a radio frequency device identifier sent by a mobile device; the radio frequency device identifier is obtained by the mobile device from a radio frequency signal emitted by a target business equipment; A second obtaining module is configured to obtain a target business equipment associated with the radio frequency device identifier, and obtain certificate information of the target business equipment; the target business equipment is an ATM; An authorization code generation module is configured to generate an authorization code according to the radio frequency device identifier and the bank card information if the certificate information of the target business equipment is verified, and send the authorization code to the mobile device; A comparison module is configured to obtain an authorization code input by a user on the target business equipment, and compare the input authorization code with a stored authorization code; A notification module is configured to pass the verification if the input authorization code is the same as the stored authorization code, and notify the target business equipment to display the bank card information; The second obtaining module comprises: A candidate obtaining module is configured to obtain multiple candidate business equipments according to multiple groups of radio frequency device identifiers; A resource obtaining module is configured to obtain available resource data corresponding to each candidate business equipment; The selection module is configured to select one candidate business device with available resource data greater than a preset resource threshold as the target business device.

7. The apparatus of claim 6, wherein, The device further comprises: The timing module is configured to time the acquisition of the radio frequency signal associated with the target business device and sent by the mobile device. The logout module is configured to obtain a first distance according to the radio frequency signal, and send a logout instruction to the target business device to instruct the target business device to log out of the bank card information if the first distance is greater than a preset distance.

8. The apparatus of claim 7, wherein, The logout module comprises: The data acquisition module is configured to acquire the signal strength of the radio frequency signal, the environmental attenuation factor, and the signal strength when the transmitting end and the receiving end are separated by a unit distance. The calculation module is configured to calculate the first distance according to the signal strength of the radio frequency signal, the environmental attenuation factor, and the signal strength when the transmitting end and the receiving end are separated by a unit distance.

9. A service processing apparatus characterized by comprising: The device comprises: The first communication module is configured to receive a radio frequency signal sent by a target business device through an associated radio frequency device, and send a radio frequency device identifier and bank card information in the radio frequency signal to a server; the radio frequency device identifier is obtained by the mobile device from the radio frequency signal sent by the target business device; the radio frequency device identifier comprises multiple groups, and each group of radio frequency device identifiers is associated with a business device; the process of obtaining the associated target business device according to the radio frequency device identifier comprises: obtaining multiple candidate business devices according to multiple groups of radio frequency device identifiers; acquiring available resource data corresponding to each candidate business device; selecting one candidate business device with available resource data greater than a preset resource threshold as the target business device; and the target business device is an ATM; The second receiving module is configured to receive an authorization code sent by the server; the authorization code is generated by the server according to the radio frequency device identifier and the bank card information after the certificate information of the target business device associated with the radio frequency device identifier is verified; the authorization code is used to indicate an authorization code input by a user on the target business device, and display the bank card information on the target business device after the authorization code is verified.

10. A service processing apparatus characterized by comprising: The device comprises: The sending module is configured to send a radio frequency signal through an associated radio frequency device; the radio frequency signal comprises a radio frequency device identifier; the radio frequency device identifier comprises multiple groups, and each group of radio frequency device identifiers is associated with a business device; the process of obtaining the associated target business device according to the radio frequency device identifier comprises: obtaining multiple candidate business devices according to multiple groups of radio frequency device identifiers; acquiring available resource data corresponding to each candidate business device; selecting one candidate business device with available resource data greater than a preset resource threshold as the target business device; and the target business device is an ATM; The receiving request module is configured to receive a certificate acquisition request sent by a server; the certificate acquisition request is generated by the server after receiving bank card information and a radio frequency device identifier sent by a mobile device and obtaining an associated business device according to the radio frequency device identifier. The certificate sending module is configured to send its own certificate information to the server; the server is configured to verify the certificate information, and generate an authorization code according to the radio frequency device identifier and the bank card information after the verification is passed, and send the authorization code to the mobile device; The authorization sending module is configured to acquire an authorization code input by a user, and send the input authorization code to the server; the server is configured to compare the input authorization code with a stored authorization code; if the input authorization code is the same as the stored authorization code, the verification is passed, and a notification and bank card information are sent to the service device; The display module is configured to acquire the notification and the bank card information, and display the bank card information according to the notification. 11.A computer device, comprising a memory and a processor, wherein the memory stores a computer program, and the computer device is configured to perform the method according to any one of claims 1-10. The computer program is executed by the processor to implement the steps of the method in any one of claims 1 to 5.

12. A computer readable storage medium having stored thereon a computer program, characterized in that, The computer program is executed by the processor to implement the steps of the method in any one of claims 1 to 5.

13. A computer program product comprising a computer program, characterized in that, The computer program is executed by the processor to implement the steps of the method in any one of claims 1 to 5.

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