Cash payment data transmission method, business outlet cash processing method and terminal

Abstract

The present invention belongs to the field of electrical communication technology, and in particular relates to a cash payment data transmission method, a business outlet cash processing method and a terminal. The cash payment data transmission method is to encode the encrypted cash payment information into a QR code, store the generated dynamic QR code in a storage medium, and transmit it in the form of an image. The business outlet cash processing method includes aggregating user cash payment information, encrypting the user cash payment information using a cash payment data transmission method, and dynamically creating QR code information; the teller first performs identity authentication. The business outlet cash processing terminal includes a terminal device, a client system, a background, an integrated service system, an electric power background system and a bank system. The present invention can effectively ensure the security of data while meeting the processing speed and real-time nature of the data; it uses the information technology of network communication and data encryption processing and circulation to solve the problems of difficult electricity bill cash storage and asynchronous financial data.

Description

Technical Field

[0001] The present invention belongs to the field of electrical communication technology, specifically to confidential or secure communications, and more particularly to a cash payment data transmission method, a business outlet cash processing method, and a terminal. Background Art

[0002] For business outlets that accept cash payments, cash processing services are characterized by large data volumes and high real-time requirements, such as power business outlets. The transmission of cash payment data not only needs to meet data processing speed and ensure real-time performance, but also needs to ensure data security. However, in existing technologies, some data encryption algorithms are too complex, resulting in large amounts of computational complexity in the encryption and decryption processes, requiring a large amount of time and system resources, and reducing data transmission efficiency. Therefore, existing encryption and data transmission technologies cannot adapt well to the diversity and complexity of business scenarios in business outlets. In scenarios such as business outlets that require high business processing efficiency, this will seriously affect the speed of business processing. Moreover, from the perspective of encryption security, existing technologies may have vulnerabilities in the face of increasingly sophisticated network attacks. Summary of the Invention

[0003] The technical problem to be solved by the present invention is: In order to overcome the above technical problems, the present invention provides a cash payment data transmission method, a business outlet cash processing method and a terminal.

[0004] The technical solution adopted by the present invention to solve the technical problem is: a cash payment data transmission method, which encrypts the user's cash payment information, dynamically creates QR code information, and the entire data transmission process is encrypted transmission, including the following steps:

[0005] Step 1: Encrypt the cash payment information using a key using symmetric encryption;

[0006] Step 2: Encode the encrypted cash payment information into a QR code. The cash payment information includes the serial number of the banknote collected by the teller, marketing payment information, and detailed information on the amount collected.

[0007] Step 3: Dynamically generate a QR code based on the edited information and set the validity period of the QR code to ensure the uniqueness and validity of each generated QR code;

[0008] Step 4: The generated dynamic QR code is stored in the corresponding storage medium and transmitted in the form of an image via the communication network. The user refers to the party who pays in cash, and the teller refers to the party who collects cash at the business outlet.

[0009] When operating, the teller first performs identity authentication, encoding the encrypted cash payment information and encrypted identity authentication information into a QR code. Conventional authentication methods typically rely on a single factor for identity verification, such as a simple username and password combination. This method is less secure and vulnerable to attacks such as password leakage and brute force cracking. The identity authentication method of the present invention adopts a multi-factor fusion approach, which not only includes the teller's identity authentication code, but also combines the banknote serial number information collected by the teller and the marketing system's payment code information, achieving multi-dimensional identity verification and greatly improving the accuracy and security of authentication.

[0010] Before counting the cash into the box, the dynamically created QR code information is parsed and processed first. After the cash is counted into the box, the message data after counting and statistics is encrypted using the json message assembly format, and the encrypted data is transmitted through the communication network.

[0011] The specific steps of encrypting the cash payment information by symmetric encryption in step 1 include: in the symmetric encryption method, padding the plaintext, dividing it into multiple blocks for encryption, using a multi-round encryption method, and the key generation method of the first and last rounds is different from the key generation method of the remaining rounds, and adjusting the number of encryption rounds and / or key length according to business needs. The number of encryption rounds and key lengths are not always the same. The number of encryption rounds and / or key lengths are adjusted according to business needs. For example, for cash payment information of higher importance, the number of encryption rounds can be appropriately increased to further improve the encryption strength; for general business data, the number of encryption rounds can be reduced while ensuring security, improving processing efficiency and showing good adaptability to business scenarios.

[0012] The specific operation of encrypting the cash payment information by symmetric encryption in step 1 is:

[0013] Step 101: The cash payment information to be encrypted is recorded as P, and the key used for encryption and decryption is recorded as K;

[0014] Step 102: Pad the plaintext P. Suppose the length of the plaintext P is n, and the length after padding is n’ , and satisfies n’ mod16=0; n’ is an integer, the formula means that when n’ When divided by 16, the remainder is 0, that is, n’ It is a multiple of 16.

[0015] Step 103: Divide the padded plaintext P into multiple 16-byte blocks P 1 , P 2 ,…, P m ,m is the number of blocks, and encrypts each block:

[0016] C i = E ( K , P i ) i =1,2,…, m

[0017] in, C i is the ciphertext of the i-th block, E is the encryption function, P i is the i-th block;

[0018] Step 104: For each block P i Encrypt and process using multiple rounds of encryption:

[0019]

[0020] in, K 0 is the initial round key, R is the total number of encryption rounds, S 0 is the first round key encryption formula, S r is a multi-round key encryption formula, SubBytes replaces each byte with an S-Box, ShiftRows performs a circular left shift on each row, and MixColumns performs a linear transformation on each column;

[0021] Among them, MixColumns is not executed in the last round of encryption, that is, the encryption formula of the cash payment information in the last round is:

[0022] .

[0023] The present invention provides a cash processing method for business outlets. The teller deposits the daily cash collected into a terminal device, and the teller summarizes the user's cash payment information through the background, adopts the cash payment data transmission method, encrypts the user's cash payment information, and dynamically creates QR code information; the teller first performs identity authentication when performing operations through the background.

[0024] The cash processing method for business outlets of the present invention specifically comprises the following steps:

[0025] S1. The user completes cash payment through the client system. After the client system completes cash counting, it transmits the cash payment data to the backend. The backend monitors the payment data and performs statistical accounting. The client system uses the cash payment data transmission method described in the present invention to send the data to the backend.

[0026] S2. After the backend completes the statistical accounting of the cash payment data, it sends the statistical data to the integrated service system, which then records and archives the cash payment information.

[0027] S3. The integrated service system transmits the cash surrender information to the banking system, which then performs reconciliation and accounting.

[0028] S4. After the reconciliation is completed, the payment information is settled to the designated account, and the relevant data is sent to the power backend system;

[0029] S5. The power backend system sends the settled account data back to the integrated service system for further reconciliation and settlement processing;

[0030] Data is transmitted encrypted between the backend and the integrated service system, between the integrated service system and the banking system, between the banking system and the power backend system, and between the power backend system and the integrated service system. The data encryption method used here is the same as the method used to encrypt cash payment information, including using symmetric encryption, padding the plaintext, dividing it into multiple blocks for encryption, and using multi-round encryption. The key generation method for the first and last rounds is different from that for the remaining rounds, and the number of encryption rounds and / or key length are adjusted according to business needs. The specific steps are the same as steps 101-104.

[0031] In step S1, the teller deposits the received cash into the terminal device, and the terminal device completes the cash counting. Before the cash counting, the background first parses and processes the dynamically created QR code information, and then the terminal device counts the cash into the box, encrypts the message data using the json message assembly format, and transmits the encrypted message data to the integrated service system through the communication network.

[0032] The integrated service system calculates the actual amount of cash stored in the terminal device. When the amount of cash stored reaches the upper limit threshold, it triggers the machine clearing task and the terminal lock dynamic key. The agent escort unit enters the unlocking key on the terminal device according to the machine clearing task to complete the cash verification and inventory and machine clearing reconciliation actions.

[0033] A cash processing terminal for a business outlet of the present invention comprises terminal equipment, a client system, a background system, an integrated service system, an electric power background system and a banking system.

[0034] Terminal equipment: used to deposit and count cash;

[0035] Client system: set up on the terminal device, used by users to perform corresponding cash payment operations;

[0036] Backend: used to receive cash payment data from the client system, perform statistical accounting, and send the data to the integrated service system;

[0037] Comprehensive service system: used for statistical reception and transmission conversion of background data;

[0038] Power back-end system: used to receive data sent by the settlement bank system and conduct reconciliation and settlement operations with the integrated service system; and

[0039] Banking system: used to reconcile and calculate the data sent by the integrated service system, and send the calculated data to the power backend system;

[0040] The client system uses the cash payment data transmission method of the present invention to send the cash payment data to the backend.

[0041] The beneficial effect of the present invention is that a cash payment data transmission method, a business outlet cash processing method and a terminal of the present invention encrypt the user's cash payment information, dynamically create QR code information, and transmit the dynamic QR code in the form of a picture. The QR code encodes the encrypted cash payment information and is used for the transmission of cash payment data. While meeting the data processing speed and ensuring real-time performance, it can also effectively ensure the security of the data. The symmetric encryption method for cash payment information is to reasonably pad the plaintext, divide it into multiple blocks for encryption, and adopt multi-round encryption. While ensuring the encryption strength, it effectively controls the complexity of the algorithm. Taking the encryption process of each block as an example, through operations such as SubBytes, ShiftRows, and MixColumns, it not only achieves deep encryption of the data, but also ensures that it can run efficiently in the business processing system of the business outlets, thereby improving the overall business processing efficiency. In the multi-round encryption process, the symmetric encryption method uses different key generation methods for different rounds, and MixColumns is not executed in the last round of encryption. This unique design increases the security of the encryption. Even if the attacker obtains part of the encrypted data, it is difficult to crack it through conventional means. It greatly ensures the security of payment information and other data during the cash processing process of the business outlets, prevents data leakage and tampering, and protects the financial security of users and enterprises. In addition, the symmetric encryption method of the present invention can flexibly adjust parameters such as the number of encryption rounds and key length according to business needs. Under the premise of ensuring security, the number of encryption rounds can be reduced, processing efficiency can be improved, and good adaptability to business scenarios can be demonstrated. The identity authentication method of the present invention adopts a multi-factor fusion method, which not only includes the identity authentication code of the teller, but also combines the banknote serial number information collected by the teller, the marketing system's payment code information, etc., to achieve multi-dimensional identity authentication, greatly improving the accuracy and security of authentication. At the same time, the information technology of network communication and data encryption processing and circulation is used to solve the traditional mode of electricity bill cash storage difficulties and financial data asynchronization problems, and realize the processing mode of automatic cash electricity bill circulation reconciliation and settlement. It is an innovation in the application of power outlets and can also be applied to retail supermarkets, gas stations and other scenarios. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] The present invention will be further described below with reference to the accompanying drawings and examples.

[0043] Figure 1 The figure is a flow chart of the cash processing method and the terminal as a whole at a business outlet of the present invention, wherein the solid arrows represent the capital flow and the dotted arrows represent the information flow.

[0044] Figure 2 This is a schematic diagram of the process of generating a QR code in the cash payment data transmission method of the present invention.

[0045] Figure 3The figure is a data transmission flow diagram of the teller identity authentication in the cash payment data transmission method of the present invention.

[0046] Figure 4 This is a schematic diagram of the data transmission process when cash is deposited in the cash payment data transmission method of the present invention.

[0047] Figure 5 Schematic diagram of the cash processing method and terminal data and fund transmission of the business outlet of the present invention. DETAILED DESCRIPTION

[0048] The present invention will now be described in further detail with reference to the accompanying drawings, which are simplified schematic diagrams that illustrate the basic structure of the present invention in a schematic manner.

[0049] like Figure 2 As shown, a cash payment data transmission method of the present invention encrypts the user's cash payment information, dynamically creates QR code information, and the entire data transmission process is encrypted, including the following steps:

[0050] Step 1: Encrypt the cash payment information using a key using symmetric encryption;

[0051] Step 2: Encode the encrypted cash payment information into a QR code. The cash payment information includes the serial number of the banknote collected by the teller, marketing payment information, and detailed information on the amount collected.

[0052] Step 3: Dynamically generate a QR code based on the edited information and set the validity period of the QR code to ensure the uniqueness and validity of each generated QR code;

[0053] Step 4: The generated dynamic QR code is stored in the corresponding storage medium and transmitted in the form of an image via the communication network. The user refers to the party who pays in cash, and the teller refers to the party who collects cash at the business outlet.

[0054] like Figure 3 As shown, the teller first performs identity authentication when operating, and encodes the encrypted cash payment information and the encrypted identity authentication information into the QR code.

[0055] Conventional authentication methods typically rely on a single factor, such as a simple username and password combination. This approach is less secure and vulnerable to attacks such as password leakage and brute force cracking. The identity authentication method of the present invention utilizes a multi-factor fusion approach, incorporating not only the teller's identity authentication code but also the serial number of the banknote collected by the teller and the marketing system's payment code. This achieves multi-dimensional identity verification, significantly improving the accuracy and security of authentication.

[0056] The specific implementation of the identity authentication of the present invention is as follows: when the teller operates through the background, the background will first collect the teller's identity information, including facial information, such as Figure 3 The system collects biometric information, including facial recognition, from the teller. It also obtains business-related information, such as the serial number of the banknote collected by the teller and the marketing system's payment code. This information is then compared with the teller's identity database stored in the system. The client system encrypts this information, and the entire process is encrypted, ensuring security during data transmission and comparison. If all the information matches, identity authentication is completed, allowing the teller to proceed. If any information does not match, the operation is denied and the relevant exception information is recorded.

[0057] The identity authentication algorithm primarily involves three steps: information collection, encryption, and comparison and verification. During the information collection phase, relevant information is acquired through hardware devices and business systems. Hardware devices, such as cameras, are used to capture facial information. During the encryption phase, symmetric encryption is also used to encrypt the collected identity information to ensure data security. During the comparison and verification phase, a hash algorithm is used to generate a fixed-length hash value from the encrypted information. This value is then compared with the corresponding hash value pre-stored in the database. If the two hash values ​​match, identity verification is successful; otherwise, verification fails. This algorithm design ensures the accuracy and security of identity authentication while operating efficiently within the business systems of power distribution outlets, meeting actual business needs.

[0058] like Figure 4 As shown, before counting and putting the cash into the box, the dynamically created QR code information is first parsed and processed. After the cash is counted and put into the box, the message data after counting and statistics is encrypted using the json message assembly format, and the encrypted data is transmitted through the communication network.

[0059] The specific steps of encrypting the cash payment information by symmetric encryption in step 1 include: in the symmetric encryption method, padding the plaintext, dividing it into multiple blocks for encryption, using a multi-round encryption method, and the key generation method of the first and last rounds is different from the key generation method of the remaining rounds, and adjusting the number of encryption rounds and / or key length according to business needs. The number of encryption rounds and key lengths are not always the same. The number of encryption rounds and / or key lengths are adjusted according to business needs. For example, for cash payment information of higher importance, the number of encryption rounds can be appropriately increased to further improve the encryption strength; for general business data, the number of encryption rounds can be reduced while ensuring security, improving processing efficiency and showing good adaptability to business scenarios.

[0060] The specific operation of encrypting the cash payment information by symmetric encryption in step 1 is:

[0061] Step 101: The cash payment information to be encrypted is recorded as P, and the key used for encryption and decryption is recorded as K;

[0062] Step 102: Pad the plaintext P. Suppose the length of the plaintext P is n, and the length after padding is n’ , and satisfies n’ mod16=0;

[0063] Step 103: Divide the padded plaintext P into multiple 16-byte blocks P 1 , P 2 ,…, P m , m is the number of blocks, and encrypts each block:

[0064] C i = E ( K , P i ) i =1,2,…, m

[0065] in, C i is the ciphertext of the i-th block, E is the encryption function, P i is the i-th block;

[0066] Step 104: For each block P i Encrypt and process using multiple rounds of encryption:

[0067]

[0068] in, K 0 is the initial round key, R is the total number of encryption rounds, S 0 is the first round key encryption formula, S r is a multi-round key encryption formula, SubBytes replaces each byte with an S-Box, ShiftRows performs a circular left shift on each row, and MixColumns performs a linear transformation on each column;

[0069] Among them, MixColumns is not executed in the last round of encryption, that is, the encryption formula of the cash payment information in the last round is:

[0070] .

[0071] In a further preferred embodiment, the decryption process of the above-mentioned QR code is similar to the encryption process, but the order of steps and operations are reversed. The specific algorithm is as follows:

[0072] 1. Round key plus:

[0073]

[0074] 2. Reverse operation:

[0075] Perform reverse byte replacement, reverse row shift, and reverse column mixing until the plaintext is recovered.

[0076] Traditional cash management methods for business outlets, such as electricity business halls, require staff to count cash using a cash counter and store it in a storage box. Before closing, the outlets must deposit the electricity bill cash into a bank or entrust a financial institution to collect the cash on-site. Sales staff must manually conduct a three-way verification of electricity bill funds between the business, bank, and finance departments every day, resulting in a heavy workload, inability to trace cash, low work efficiency, and a long fund collection cycle.

[0077] By integrating various service modules, this invention provides a fast, secure, and efficient cash processing model. Furthermore, by combining automated cash flow financial processing technology with risk management strategies and data encryption and authentication, it addresses the difficulties of traditional electricity bill cash storage and the lack of synchronization between operating and financial data. This improves the efficiency of electricity bill fund recovery and ensures the safe, efficient, and standardized operation of State Grid's new fund management system.

[0078] The present invention provides a cash processing method for business outlets. The teller deposits the daily cash collected into a terminal device, and the teller summarizes the user's cash payment information through the background, adopts the cash payment data transmission method, encrypts the user's cash payment information, and dynamically creates QR code information; the teller first performs identity authentication when performing operations through the background.

[0079] like Figure 1 As shown, the cash processing method for business outlets of the present invention specifically includes the following steps:

[0080] S1. The user completes cash payment through the client system. After the client system completes cash counting, it transmits the cash payment data to the backend. The backend monitors the payment data and performs statistical accounting. The client system uses the cash payment data transmission method described in the present invention to send the data to the backend.

[0081] S2. After the backend completes the statistical accounting of the cash payment data, it sends the statistical data to the integrated service system, which then records and archives the cash payment information.

[0082] S3. The integrated service system transmits the cash surrender information to the banking system, which then performs reconciliation and accounting.

[0083] S4. After the reconciliation and accounting is completed, the payment information is settled to the designated account according to the set time, and the relevant data is sent to the power background system;

[0084] S5. The power backend system sends the settled account data back to the integrated service system for further reconciliation and settlement processing;

[0085] Data encryption is used for data transmission between the backend and the integrated service system, between the integrated service system and the banking system, between the banking system and the power backend system, and between the power backend system and the integrated service system. The data encryption method used here is the same as the method used to encrypt cash payment information, including using symmetric encryption, padding the plaintext, dividing it into multiple blocks for encryption, and using multi-round encryption. The key generation method for the first and last rounds is different from that for the remaining rounds, and the number of encryption rounds and / or key length are adjusted according to business needs. The specific steps are the same as steps 101-104.

[0086] In step S1, the teller deposits the received cash into the terminal device, and the terminal device completes the cash counting. Before the cash counting, the background first parses and processes the dynamically created QR code information, and then the terminal device counts the cash into the box, and uses the json message assembly format to encrypt the message data after the counting and statistics, and transmits the encrypted message data to the integrated service system through the communication network. Figure 4 In the JSON message assembly format, it is in a unified format agreed upon by the integrated service system and defines the request type. The request type is dynamically mapped in the integrated service system through the network and the request type is unique. Different request types will have different functional executions in the integrated front-end type of the integrated service system.

[0087] The integrated service system calculates the actual amount of cash stored in the terminal device. When the amount of cash stored reaches the upper limit threshold, it triggers the machine clearing task and the terminal lock dynamic key. The agent escort unit enters the unlocking key on the terminal device according to the machine clearing task to complete the cash verification and inventory and machine clearing reconciliation actions.

[0088] like Figure 1 As shown, a cash processing terminal for a business outlet of the present invention includes a terminal device, a client system, a background, an integrated service system, a power background system and a banking system.

[0089] Terminal device: used for depositing and counting cash; there can be multiple terminal devices, such as device 1, device 2, and device 3. The number of terminal devices can be selected as needed and is not limited;

[0090] Client system: set up on the terminal device, used by users to perform corresponding cash payment operations;

[0091] Backend: used to receive cash payment data from the client system, perform statistical accounting, and send the data to the integrated service system;

[0092] Comprehensive service system: used for statistical reception and transmission conversion of background data;

[0093] Power back-end system: used to receive data sent by the settlement bank system and conduct reconciliation and settlement operations with the integrated service system; and

[0094] Banking system: used to reconcile and calculate the data sent by the integrated service system, and send the calculated data to the power backend system;

[0095] The client system uses the cash payment data transmission method of the present invention to send the cash payment data to the backend.

[0096] Figure 5 Among them, the comprehensive service system is the cash processing central system, which is responsible for connecting with the banking system, the power background system, and the agent escort and clearing task receiving system. Figure 5 1-6 is a complete cash account information processing link; 7 and 8 are cash links. The integrated service system will automatically trigger the machine clearing task and the terminal lock dynamic key after calculating the actual cash amount stored in the terminal device and reaching the upper limit threshold. The agent escort unit enters the unlocking key on the terminal according to the machine clearing task to complete the automatic cash verification and inventory and machine clearing and reconciliation actions.

[0097] Traditional cash management at power outlets involves staff using cash counters to count cash and store it in a storage box. Before closing, the outlets must deposit electricity bills with a bank or entrust a financial institution to collect and escort the funds. This requires staff to manually verify electricity bill funds with the bank, finance, and banking departments daily. This creates a heavy workload, makes cash payments untraceable, leads to low efficiency, and lengthy fund collection cycles. Furthermore, due to restrictions on financial institutions' escort services, payments can be delayed or suspended. This results in a large amount of cash on hand at outlets, posing a security risk to electricity bill funds.

[0098] Comparison of the advantages and disadvantages of the cash processing method and terminal for business outlets of the present invention with the traditional cash management and processing method for power business outlets:

[0099] 1. Traditional method: Cash collected at the branch counter is stored in a counter storage box, and the cash cannot be traced.

[0100] The present invention can track the serial number information of banknotes collected by the teller, the marketing system's payment code information, and the detailed information of the collected amount, and bind these to the teller's account number, so that the system can check and trace them.

[0101] 2. Traditional method: The cash collected by the branch is kept in its own cabinet. There is a risk of fund security after the teller collects the money and leaves the counter.

[0102] The present invention can deposit the cash collected by the teller into a safe at the level of a bank cash machine, thereby ensuring the safety of the cash.

[0103] 3. Traditional method: Cash collected at outlets is mixed with various denominations. Tellers have to use cash counting machines to count the funds, which is cumbersome and time-consuming, and repetitive work puts a lot of pressure on tellers to manage funds.

[0104] The present invention realizes automatic counting and differentiation of multi-denomination banknotes with only one operation, which saves time and worry for bank tellers and relieves them of fund management pressure.

[0105] 4. Traditional method: When collecting cash at a branch, a dedicated branch teller needs to send the cash to the bank and deposit it into the account, or a dedicated third-party escort needs to collect the cash every day, which results in high labor costs.

[0106] The present invention enables the tellers at the branch to pay the electricity bill in cash by themselves without leaving the branch hall, and deposit the bills as they are collected, thus greatly saving labor costs.

[0107] The present invention's cash processing method and terminal for business outlets integrates various service modules, providing a fast, secure, and efficient cash processing model. Furthermore, utilizing information technology for network communication and data encryption processing and circulation, it addresses the traditional difficulties in storing electricity bill cash and the resulting asynchrony of financial and business data, thereby enabling automated cash flow, reconciliation, and settlement of electricity bills.

[0108] With the above-described preferred embodiments of the present invention as a guide, and with reference to the above description, relevant personnel are fully capable of making various changes and modifications without departing from the technical scope of this invention. The technical scope of this invention is not limited to the contents of the specification and must be determined according to the scope of the claims.

Claims

1. A cash processing method for a business outlet, characterized in that: The specific steps include: S1. The user completes the cash payment through the client system. After the client system completes the cash counting, it transmits the cash payment data to the backend, which monitors the payment data and performs statistical accounting. S2. After the backend completes the statistical accounting of the cash payment data, it sends the statistical data to the integrated service system, which then records and archives the cash payment information. S3. The integrated service system transmits the cash surrender information to the banking system, which then performs reconciliation and accounting. S4. After the reconciliation is completed, the payment information is settled to the designated account, and the relevant data is sent to the power backend system; S5. The power backend system sends the settled account data back to the integrated service system for further reconciliation and settlement processing; The client system uses the cash payment data transmission method to send cash payment data to the backend; encryption is used to transmit data between the backend and the integrated service system, between the integrated service system and the banking system, between the banking system and the power backend system, and between the power backend system and the integrated service system. The cash payment data transmission method is as follows: encrypting the user's cash payment information, dynamically creating QR code information, and the entire data transmission process is encrypted, including the following steps: Step 1: Encrypt the cash payment information using a key using symmetric encryption; Step 2: Encode the encrypted cash payment information into a QR code. The cash payment information includes the serial number of the banknote collected by the teller, marketing payment information, and detailed information on the amount collected. Step 3: Dynamically generate a QR code based on the edited information and set the validity period of the QR code; Step 4: The generated dynamic QR code is stored in a storage medium and transmitted in the form of an image via a communication network; The teller first performs identity authentication when operating, and encodes the encrypted cash payment information and encrypted identity authentication information into the QR code; Before counting and putting the cash into the box, the dynamically created QR code information is parsed and processed. After the cash is counted and put into the box, the message data after counting and statistics is encrypted using the JSON message assembly format and the encrypted data is transmitted through the communication network; When a teller performs an operation through the backend, the backend first collects the teller's identity information and obtains business-related information, including the serial number of the banknote collected by the teller and the marketing system's payment code. This information is then compared with the teller's identity database pre-stored in the system. The client system encrypts this information, and the entire process is transmitted in ciphertext. If all the compared information matches, the teller is authenticated and allowed to proceed. If any information does not match, the operation is rejected and the relevant abnormal information is recorded. The JSON message assembly format is in a unified format agreed upon by the integrated service system and defines the request type. The request type is dynamically mapped in the integrated service system through the network and the request type is unique. Different request types will have different functional executions in the integrated front-end type of the integrated service system.

2. The cash processing method for a business outlet according to claim 1, wherein: The specific steps of encrypting the cash payment information by symmetric encryption in step 1 include: in the symmetric encryption method, padding the plaintext, dividing it into multiple blocks for encryption, using a multi-round encryption method, and the key generation method of the first round and the last round is different from the key generation method of the remaining rounds, and adjusting the number of encryption rounds and / or key length according to business needs.

3. The cash processing method for a business outlet according to claim 1, wherein: In step S1, the teller deposits the received cash into the terminal device, and the terminal device completes the cash counting. Before the cash counting, the background first parses and processes the dynamically created QR code information, and then the terminal device counts the cash into the box, and uses the json message assembly format to encrypt the message data after the counting and statistics, and transmits the encrypted message data to the integrated service system through the communication network.

4. The cash processing method for a business outlet according to claim 1, wherein: The integrated service system calculates the actual amount of cash stored in the terminal device. When the amount of cash stored reaches the upper limit threshold, it triggers the machine clearing task and the terminal lock dynamic key. The agent escort unit enters the unlocking key on the terminal device according to the machine clearing task to complete the cash verification and inventory and machine clearing reconciliation actions.

5. A cash processing terminal for a business outlet, characterized in that: The cash processing method for a business outlet according to any one of claims 1 to 4 is adopted, comprising: Terminal equipment: used to deposit and count cash; Client system: set up on the terminal device, used by users to perform corresponding cash payment operations; Backend: used to receive cash payment data from the client system, perform statistical accounting, and send the data to the integrated service system; Comprehensive service system: used for statistical reception and transmission conversion of background data; Power back-end system: used to receive data sent by the settlement bank system and conduct reconciliation and settlement operations with the integrated service system; and Banking system: used to reconcile and calculate the data sent by the integrated service system, and send the calculated data to the power backend system.

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