Method and system for intelligent terminal to process service

Abstract

The application discloses a method and system for processing business by an intelligent terminal, and belongs to the technical field of electronic payment. The method is suitable for a system including an intelligent terminal and a mobile terminal with a terminal application. The method combines the core interaction processing capability of the intelligent terminal with the interactive display capability of the mobile terminal with the terminal application in depth by using the existing mobile equipment resources which can be carried, minimizes the display screen of the intelligent terminal under the premise of guaranteeing the safety standard of financial payment, and thus reduces the manufacturing cost and deployment cost of the intelligent terminal.

Description

Technical Field

[0001] This invention belongs to the field of smart terminals, and particularly relates to a method and system for smart terminals to perform business processing. Background Technology

[0002] In recent years, electronic payment systems have been widely adopted and rapidly developed globally. As the core terminal equipment for electronic payments, point-of-sale terminals (POS terminals, or smart terminals for short) play a crucial role in numerous industries such as retail, catering, and services. The main functions of smart terminals are to receive users' payment instructions (such as swiping, inserting, tapping, and scanning QR codes), process payment interaction information, and communicate with banks or payment networks to complete fund clearing.

[0003] However, existing smart terminals generally suffer from the following problems: in order to provide the necessary user interaction functions, each smart terminal must be equipped with a dedicated, integrated display screen. The presence of the display screen not only increases the cost but also affects the overall size design of the smart terminal and increases the power consumption of the device.

[0004] In order to reduce the cost of smart terminals, some alternative solutions have emerged in the market, such as external displays, which make the display functions external. However, external devices increase the complexity of connection, stability and additional cost of purchasing peripherals, and do not fundamentally solve the problem of high cost of the core interactive screen.

[0005] Therefore, providing a solution that can significantly reduce the cost of smart terminal hardware (especially the cost of expensive dedicated displays), while ensuring the integrity and security of payment functions and being applicable to a wide range of merchant scenarios is an urgent technical problem to be solved. Summary of the Invention

[0006] To address the aforementioned technical problems, this invention provides a method and system for intelligent terminals to perform business processing.

[0007] Therefore, according to a first aspect of the present invention, a method for performing business processing on a smart terminal is provided, applicable to a system including a smart terminal and a mobile terminal with a terminal application installed, the method comprising:

[0008] Step S1: The smart terminal receives the processing message request data sent by the terminal application, verifies the processing message request data, and if the verification is successful, proceed to step S2; if the verification fails, the process ends.

[0009] Step S2: The smart terminal obtains the interaction data in the processing message request data, displays the interaction amount in the interaction data on the display screen, prompts the user to perform interaction processing, sends an interaction in progress prompt message to the terminal application, waits to receive the user's processing information, and executes step S3 when the user's processing information is received.

[0010] Step S3: The smart terminal obtains payment information and terminal information based on the processing information, generates a verification message based on the interaction data, the payment information and the terminal information, and sends the verification message to the server.

[0011] Step S4: The smart terminal receives the verification response message returned by the server and verifies the verification response message. If the verification is successful, proceed to step S5; if the verification fails, prompt an error and end.

[0012] Step S5: The smart terminal obtains the processing result field in the verification response message, determines the interaction result based on the processing result field, and organizes the processing response message according to the interaction result, the payment information, terminal information, and interaction data in the verification response message and sends it to the terminal application so that the terminal application can display the information in the processing response message.

[0013] According to a second aspect of the present invention, another method for a smart terminal to perform business processing is provided, the method being applicable to a system including a smart terminal and a mobile terminal with a terminal application installed, the method comprising:

[0014] Step P1: The terminal application receives the user's trigger information and determines the processing type based on the trigger information. If the processing type is the first type, then step P2 is executed.

[0015] Step P2: The terminal application receives the user's operation information on the mobile terminal's display screen, obtains the interaction data, generates processing message request data based on the interaction data, and sends the processing message request data to the smart terminal.

[0016] Step P3: The terminal application waits to receive data sent by the smart terminal. When the first data is received, step P4 is executed. When the second data is received, step P5 is executed.

[0017] Step P4: The terminal application displays a prompt message indicating that the interactive operation is in progress on the mobile terminal's display screen, which is used to display content that the smart terminal cannot display, and then returns to step P3;

[0018] Step P5: The terminal application displays the received data and interacts with the response data to enable the user to confirm the business processing based on the interaction response data.

[0019] According to a third aspect of the present invention, a system for performing business processing on a smart terminal is provided, the system comprising: a mobile terminal with a terminal application installed, a smart terminal, and a server, wherein the smart terminal is used to implement the above-described method for performing business processing on a smart terminal, and the mobile terminal is used to implement the above-described method for performing business processing on a smart terminal.

[0020] According to a fourth aspect of the present invention, a computer device is provided, including a memory, a processor, and a computer program stored in the memory, wherein the processor executes the computer program to implement the above-described method.

[0021] According to a fifth aspect of the invention, a computer-readable storage medium is provided having a computer program / instructions stored thereon, which, when executed by a processor, implement the steps of the method described above.

[0022] According to a sixth aspect of the present invention, a computer program product is provided, comprising a computer program / instructions that, when executed by a processor, implement the steps of the above-described method.

[0023] The beneficial effects of the technical solution provided by this invention include at least the following:

[0024] This invention provides a method and system for business processing using a smart terminal. It utilizes existing portable mobile device resources to deeply integrate the core interactive processing capabilities of the smart terminal with the interactive display capabilities of a mobile terminal with installed terminal applications. While ensuring compliance with financial payment security standards, it minimizes the display screen of the smart terminal itself, thereby reducing the manufacturing and deployment costs of the smart terminal. Attached Figure Description

[0025] To illustrate more clearly, the embodiments of the present invention or the prior art will be briefly described below with reference to the accompanying drawings. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0026] Figure 1 This is a schematic flowchart of a method for business processing by a smart terminal according to Embodiment 1 of the present invention;

[0027] Figure 2 This is a schematic flowchart of another method for business processing by a smart terminal provided in Embodiment 1 of the present invention;

[0028] Figure 3 , Figure 4 This is a schematic flowchart of a method for business processing by a smart terminal according to Embodiment 2 of the present invention;

[0029] Figure 5 This is a schematic flowchart of a method for business processing by a smart terminal provided in Embodiment 3 of the present invention. Detailed Implementation

[0030] To make the objectives, technical solutions, and advantages of the present invention clearer, the embodiments of the present invention will be described in further detail below with reference to the accompanying drawings.

[0031] In the following description, when referring to the accompanying drawings, the same numbers in different drawings denote the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present invention. Rather, they are merely examples of devices and methods consistent with some aspects of the invention as detailed in the appended claims. Example 1

[0032] Embodiment 1 of the present invention provides a method for intelligent terminals to perform business processing, applicable to systems including intelligent terminals and mobile terminals with terminal applications installed, such as... Figure 1 As shown, the method includes:

[0033] Step 101: The smart terminal receives the processing message request data sent by the terminal application, verifies the processing message request data, and if the verification is successful, proceeds to step 102; if the verification fails, an error is displayed and the process ends.

[0034] In this embodiment, one possible implementation method includes the following step before step 101:

[0035] Step A1: The smart terminal receives a secure channel connection establishment request initiated by the terminal application;

[0036] Step A2: Generate a key pair and send the public key from the key pair to the terminal application;

[0037] Step A3: Receive the first ciphertext sent by the terminal application, decrypt the first ciphertext using the private key in the key pair, and save the decrypted authentication data.

[0038] In this embodiment, one implementable method for verifying message request data includes:

[0039] Step B1: The smart terminal decrypts the first security key ciphertext in the processing message request data to obtain the first security key, and then decrypts the second ciphertext in the processing message request data using the first security key to obtain the interaction data and the first result data.

[0040] Step B2: The smart terminal obtains authentication data from the message request data, retrieves its own stored authentication data based on the obtained authentication data, and generates a second security key based on its own stored authentication data.

[0041] Step B3: The smart terminal calculates the decrypted interactive data using the second security key, compares the calculated result with the decrypted first result data, and if they match, the verification is successful; otherwise, the verification fails.

[0042] Step 102: The smart terminal obtains the interaction data in the processing message request data, displays the interaction amount in the interaction data on the display screen, prompts the user to perform interaction processing, sends a prompt message that the interaction processing is in progress to the terminal application, waits to receive the user's processing information, and executes step 103 when the user's processing information is received.

[0043] In this embodiment, the interaction data includes interaction information and order data; the interaction information is specifically organized by the terminal application based on the interaction amount input by the user, and the order data is specifically organized based on the order number, interaction amount, etc. of the user's online order.

[0044] In this embodiment, one possible implementation includes the following steps before performing step 103:

[0045] Step Y1: The smart terminal receives the card swiping command, performs the card reading operation, and determines whether the card reading is successful. If it is, proceed to step Y2; otherwise, prompt an error and end.

[0046] Step Y2: The smart terminal determines the card verification method based on the read card information. If the verification method is offline verification, proceed to step Y3; if the verification method is online verification, proceed to step Y5.

[0047] Step Y3: The smart terminal determines whether cardholder verification is required. If so, it prompts the cardholder to enter verification information, receives the verification information entered by the cardholder, encrypts the verification information and sends it to the card for verification, receives the verification response returned by the card, and executes step Y4. Otherwise, it executes step 103.

[0048] Step Y4: The smart terminal determines whether the cardholder's verification was successful based on the verification response. If yes, proceed to step 103; otherwise, end.

[0049] Step Y5: The smart terminal determines whether cardholder verification is required. If so, it prompts the cardholder to enter verification information, receives and encrypts the verification information entered by the cardholder, and executes step 103. Otherwise, it executes step 103.

[0050] Step 103: The smart terminal obtains payment information and terminal information based on the processed information, generates a verification message based on the interaction data, payment information and terminal information, and sends the verification message to the server.

[0051] In this embodiment, the payment information includes card information, and the terminal information includes the terminal device number and the merchant number corresponding to the terminal;

[0052] One feasible method for organizing and generating a verification message based on interaction data, payment information, and terminal information is as follows: the smart terminal performs signature processing on the interaction data, payment information, and terminal information to obtain signature result data, and organizes the interaction data, payment information, terminal information, and signature result data according to a preset message format to generate a verification message;

[0053] One feasible approach is that, if the verification method is online verification, the payment information obtained by the smart terminal also includes verification information encrypted by the smart terminal, specifically, the verification information is a PIN code.

[0054] Step 104: The smart terminal receives the verification response message returned by the server, verifies the verification response message, and if the verification is successful, proceed to step 105; if the verification fails, display an error message and end.

[0055] In this embodiment, one implementable method for verifying the verification response message specifically includes:

[0056] Step D1: The smart terminal obtains the value of the second preset field in the verification response message and determines whether the value of the second preset field is the first preset value. If yes, proceed to step D2; otherwise, the verification fails.

[0057] Step D2: The smart terminal calculates the received verification response message according to the predetermined algorithm and key, and compares the calculated result with the value of the first preset field in the verification response message. If the comparison matches, the verification is successful; if the comparison does not match, the verification fails.

[0058] Furthermore, in one feasible approach, before executing step D2, the method further includes: the smart terminal obtaining the value of the service type in the verification response message, determining whether the value of the service type is consistent with the value of the service type in the processing message request data, and if so, executing step D2; otherwise, the verification fails.

[0059] Step 105: The smart terminal obtains the processing result field in the verification response message, determines the interaction result based on the processing result field, and organizes and processes the response message based on the interaction result, payment information, terminal information, and interaction data in the verification response message and sends it to the terminal application.

[0060] In this embodiment, one possible implementation method is that after step 105, the method further includes: the smart terminal printing the data in the processing response message, and the user can confirm the business processing through the printed information.

[0061] In this embodiment, one possible approach is to further include: the smart terminal receiving a query instruction sent by a terminal application, querying a local database, and returning the queried data package to the terminal application.

[0062] In this embodiment, one possible approach is to further include: the smart terminal receiving a setting instruction sent by a terminal application and performing a corresponding operation to complete the setting of the smart terminal.

[0063] Embodiment 1 of the present invention also provides a method for intelligent terminals to perform business processing, applicable to systems including intelligent terminals and terminal applications, such as... Figure 2 As shown, the method includes:

[0064] Step 201: The terminal application receives the user's trigger information and determines the processing type based on the trigger information. If the processing type is the first type, then proceed to step 202.

[0065] In this embodiment, one possible implementation method includes, before performing step 202:

[0066] Step E1: The terminal application determines whether a secure channel has been established with the smart terminal. If yes, proceed to step 202; otherwise, proceed to step E2.

[0067] Step E2: The terminal application initiates a secure channel connection establishment request to the smart terminal, and receives and saves the public key in the key pair sent by the smart terminal;

[0068] Step E3: The terminal application obtains the authentication data, encrypts the authentication data using the public key to obtain the first ciphertext, and sends the first ciphertext to the smart terminal.

[0069] Furthermore, before step E1, the process includes: the terminal application determining whether a connection has been established with the smart terminal; if so, step E1 is executed; otherwise, a connection request is initiated to the smart terminal, and step E2 is executed after a successful connection.

[0070] One feasible method of connection includes Bluetooth connection, WiFi connection, etc.

[0071] Step 202: The terminal application receives the user's operation on the mobile terminal's display screen, obtains the interaction data, generates processing message request data based on the interaction data, and sends the processing message request data to the smart terminal.

[0072] In this embodiment, one implementable method for the terminal application to generate processing message request data specifically includes:

[0073] Step F1: The terminal application generates a first security key based on the authentication data, and uses the first security key to calculate the interaction data to obtain the first result data;

[0074] Step F2: Encrypt the interactive data and the first result data using the first security key to obtain the second ciphertext;

[0075] Step F3: Encrypt the first security key using the saved public key to obtain the first security key ciphertext. Generate the processing message request data from the first security key ciphertext, the second ciphertext, and the authentication data according to the preset processing message format.

[0076] Step 203: The terminal application waits to receive data sent by the smart terminal. When the first data is received, step 204 is executed. When the second data is received, step 205 is executed.

[0077] Step 204: The terminal application displays a prompt message indicating that the interactive processing is in progress on the mobile terminal's screen, which is used to display content that the smart terminal cannot display. Then return to step 203.

[0078] Step 205: The terminal application displays the received data and interacts with the user to process the response data, so that the user can confirm the business processing based on the interaction response data.

[0079] In this embodiment, one possible implementation method after step 204 includes: the terminal application receiving a print request triggered by the user and printing interactive information through the connected printing device.

[0080] Furthermore, printing interactive information via the connected printing device includes: the terminal application generating interactive information printing request data, sending the interactive information printing request data to the smart terminal, and printing the interactive information via the smart terminal.

[0081] In this embodiment, if the processing type is a setting type, the method further includes: the terminal application determines the function that needs to be set based on the trigger information, and sends a setting instruction including the determined function to be set to the smart terminal.

[0082] In this embodiment, if the processing type is a query type, the method further includes: the terminal application sending a query command to the smart terminal, and displaying the data returned by the smart terminal on the screen. Example 2

[0083] Embodiment 2 of the present invention provides a method for business processing using a smart terminal, applicable to systems including smart terminals and mobile terminals with installed terminal applications. The terminal application is specifically used in conjunction with the smart terminal. In this embodiment, the mobile terminal includes, but is not limited to, mobile devices such as mobile phones and tablets. In this embodiment, the mobile terminal is specifically a device held by a merchant, such as... Figure 3 , Figure 4 As shown, the method includes:

[0084] Step 301: The terminal application receives the user's trigger information and determines the processing type based on the trigger information. If the processing type is the first type, proceed to step 302; if the processing type is the second type, proceed to step 309; if the processing type is the third type, proceed to step 311.

[0085] In this embodiment, the first type is specifically: transaction, the second type is specifically: setting, and the third type is specifically: query;

[0086] In this embodiment, after determining the processing type based on the trigger information, the process further includes:

[0087] Step 3010: The terminal application determines whether a Bluetooth connection has been established with the smart terminal. If yes, proceed to step 3011; otherwise, initiate a Bluetooth connection request to the smart terminal. After a successful Bluetooth connection, proceed to step 3011.

[0088] It should be noted that in this embodiment, the terminal application and the smart terminal communicate via Bluetooth, but this application is not limited to Bluetooth connection and can also communicate via other wireless connection methods.

[0089] Step 3011: The terminal application determines whether a secure channel has been established with the smart terminal. If so, it executes the corresponding steps according to the processing type. Otherwise, the terminal application establishes a secure channel with the smart terminal and executes the corresponding steps according to the processing type.

[0090] One feasible approach for establishing a secure channel between a terminal application and a smart terminal specifically includes:

[0091] Step 3011-1: The terminal application initiates a secure channel connection establishment request to the smart terminal;

[0092] In this embodiment, the mobile terminal is specifically a device held by the merchant and used in conjunction with a smart terminal to complete a user payment scenario during a transaction.

[0093] Step 3011-2: After receiving the secure channel connection establishment request, the smart terminal generates a key pair and sends the public key in the key pair to the terminal application via Bluetooth.

[0094] In this embodiment, the smart terminal generates a long-term key pair (SK_A, PK_A) through its internal security chip. The key pair includes a public key (PK_A) and a private key (SK_A). The smart terminal sends the public key (PK_A) to the terminal application and stores the private key (SK_A) in its internal security environment and prohibits its export.

[0095] In this embodiment, all subsequent interactions between the smart terminal and the terminal application require encryption and decryption of communication data using a key.

[0096] Step 3011-3: The terminal application obtains the authentication data, encrypts the authentication data using the public key to obtain the first ciphertext, and sends the first ciphertext to the smart terminal.

[0097] In this embodiment, the authentication data specifically includes the terminal application ID, the password set by the user, and the salt value generated by the terminal application;

[0098] Specifically, step 3011-3 includes: the terminal application obtaining data such as application ID, password, and salt value, and encrypting the data using the public key PK_A; the salt value is specifically a random number generated by the terminal application in the mobile terminal;

[0099] For example, the data before encryption is:

[0100] {

[0101] "device_id": Application ID,

[0102] "request": "register",

[0103] "salt": Base64(salt) / / Salt value

[0104] "pw_proof": 123456,

[0105] };

[0106] Step 3011-4: The smart terminal decrypts the first ciphertext using the private key in the key pair, saves the decrypted authentication data, and returns a secure channel established response to the terminal application.

[0107] Specifically, after receiving the first ciphertext, the smart terminal decrypts the first ciphertext using the private key SK_A in the key pair to obtain device_id, salt, and pw_proof;

[0108] In this embodiment, all subsequent interactions between the terminal application and the smart terminal are conducted through a secure channel;

[0109] In this embodiment, a terminal application can establish Bluetooth connections with multiple smart terminals, while a smart terminal can only establish a Bluetooth connection and communicate with one terminal application at a time.

[0110] Step 302: The terminal application receives the user's operation on the mobile terminal's display screen, obtains the interaction information, generates processing message request data based on the interaction information, and sends the processing message request data to the smart terminal.

[0111] In one feasible manner, the terminal application receives information about the user's operation on the display screen of the mobile terminal, and the acquisition of interaction information specifically includes: the terminal application receives the interaction amount entered by the user on the display screen, and organizes the interaction information according to the interaction amount;

[0112] In step 302, "user" specifically refers to a merchant;

[0113] Specifically, organizing interaction information based on the interaction amount is as follows: the terminal application determines the business type based on the processing type, obtains the current interaction time, merchant name, and business order number, and generates interaction information according to a preset format using the interaction amount, business type, current interaction time, merchant name, and business order number;

[0114] For example: The interaction information is:

[0115] device:5E:6D:64:83:51:1F,

[0116] tranNo:1,

[0117] receivedData:

[0118] {

[0119] "mti": "0200", / / Optional: ISO8583 MTI (0200 = Interactive Request)

[0120] "trans_type": 1001, / / Business type /

[0121] "trans_amount": 58.00, / / Amount (unit: main currency, example is 58.00 yuan)

[0122] "trans_amount_cents": 5800, / / Amount (cents / smallest unit of measurement, integer, for easy calculation)

[0123] "currency": "CNY", / / Currency code (ISO 4217)

[0124] "order_no": "034220250627174056", / / Business order number (can be DE37 / DE48, etc.)

[0125] "batch_no": "000123", / / Batch number (usually 6 digits)

[0126] "stan": "123456", / / System trace number STAN (DE11, 6 bits)

[0127] "rrn": "20250627174056001", / / Reference number

[0128] "trans_datetime": "2025-06-27T17:40:56+08:00", / / Interaction time (ISO8601, for logging / reconciliation purposes)

[0129] "local_time": "174056", / / DE12 local time (hhmmss)

[0130] "local_date": "0627", / / DE13 Local Date MMDD

[0131] "merchant_name": "Example Merchant Company",

[0132] "merchant_city": "BEIJING",};

[0133] In this embodiment, one implementable method for generating processing message request data based on interaction information specifically includes:

[0134] Step 3020: The terminal application generates a first security key based on the authentication data, and calculates the first result data by using the first security key to calculate the interaction information according to the first preset algorithm.

[0135] In this embodiment, generating the first security key based on the authentication data specifically involves the terminal application calculating the authentication data according to a second preset algorithm to obtain data of a predetermined length as the first security key.

[0136] In this embodiment, the second preset algorithm is specifically a hash algorithm, such as PBKDF2-HMAC-SHA256;

[0137] In this embodiment, the first preset algorithm is specifically a hash algorithm, such as PBKDF2-HMAC-SHA256;

[0138] Specifically, the first result data is obtained by calculating the interaction information using the first preset algorithm: the first result data is obtained by performing a hash calculation on the interaction information using the first preset algorithm.

[0139] For example, the first result data is: ZLbiZhzdAwELnXZ0PtE71E2sfvJzY5O0sx / rO3qRVzw=;

[0140] Step 3021: The terminal application encrypts the interactive information and the first result data using the first security key to obtain the second ciphertext;

[0141] In this embodiment, step 3031 specifically includes: the terminal application encrypts the interaction information and the first result data using the first security key according to the third preset algorithm to obtain the second ciphertext;

[0142] The third preset algorithm is specifically an encryption algorithm, such as AES-256-GCM;

[0143] For example, the second ciphertext is as follows:

[0144] "ciphertext": "VlZw6hXk+9lwVW6Pzj85ccEsJewCfx9TDSdIjdO8sPprDRJL7q9sb48slxuZ9URcDf / xxR9vi / Po881rcGXbujwiVplV1qPJJJYRa5RsweIwgsn8CpKatBwVc / 0TalyMfaPnJuMe PhzO7ArZVlpu09DS1euubBL2WHfB6vddrtrHhUOM1i2P19euy9miujcsJmLtbint9Bo7p29q43uYlOXzDzBUiRfS1KtGQfNbT+BFgB6St4L3lCOxaLMS5oFWOmctEMfutm5drMVZ6A Fo4onKuNoTCYgb6h / 5m7hVEmcuN3Yju2nvXftpocKE752Tbpn3al8qrMkmW5PTyriZvDaRtnPxYcfdi7vdYUEu9HSSNkHhLd7A7FMaxtPN1Y62WRqbTlVlmXt / cd6F11UzRgsCgD2h fPRbe436dfcDDJsNxwAxgow3dtr1hLFp8JY0Se6jdWpA65XKq6GGtViTaTTjN8UBNEwjafBRftbA1e1BxND3QvGmmllwOZcCGuAJOoaD0JGFU8as4qffOROgTnYidCO57r9VN1s=";

[0145] Step 3022: The terminal application encrypts the first security key using the stored public key to obtain the first security key ciphertext, and organizes the first security key ciphertext, the second ciphertext, and the authentication data according to the preset processing message format to obtain the processing message request data;

[0146] In this embodiment, the terminal application encrypts the first security key using the public key to obtain the first security key ciphertext. Specifically, the terminal application encrypts the first security key using the public key according to the fourth preset algorithm to obtain the first security key ciphertext.

[0147] The fourth preset algorithm is specifically an encryption algorithm, such as RSA-OAEP;

[0148] For example, the first security key ciphertext is:

[0149] "enc_key": "p9Xo5ro2a2MZQssg4g4b3QYq723Xf56tfpya+Sm6fHSaglyYsVtgLL493fcMSBvKZSaVYvPSmb0ORRIFcWpaH S+Jnt / nEJ0BYi1Iglv4klFiJ8r6boixu8BZytSx5GHSkPueMB9XPlcK8kdFk0VlrO4pWFJPWgw+PWNqutN+h10j bzEk7x+uNkq3eh0L5jrod96WHJhu0qGEje9p+c0qXVT9Hzly8TYdIOoAHBfmIW3hQBrTkI1pJRbO / bfiGktyFsJ RVhZKfbj+p8YniBN0ml1eHwtxcPTwpR9SeM+7sZK1L2S / oykmGkwQrZ23xQs3abg3olGTFztHyEpLZF116w==";

[0150] In this embodiment, one feasible approach is to pre-process the message format as a packetized JSON format;

[0151] Step 303: The smart terminal receives and processes the message request data, verifies the message request data, and if the verification is successful, proceeds to step 304; if the verification fails, an error message is displayed and the process ends.

[0152] In this embodiment, one implementable method for verifying message request data includes:

[0153] Step 3030: The smart terminal decrypts the first security key ciphertext in the processing message request data using its private key to obtain the first security key, and then decrypts the second ciphertext using the first security key to obtain the interaction information and the first result data.

[0154] In this embodiment, the smart terminal specifically processes the received processing message request data through a security chip;

[0155] In this embodiment, the first security key is obtained by decrypting the first security key ciphertext in the processing message request data using the private key. Specifically, the smart terminal obtains the first security key by decrypting the first security key ciphertext using the private key according to the fourth preset algorithm.

[0156] The fourth preset algorithm is specifically an encryption / decryption algorithm, such as RSA-OAEP;

[0157] In this embodiment, the process of decrypting the second ciphertext using the first security key to obtain the interaction information and the first result data is as follows: the smart terminal decrypts the second ciphertext using the first security key according to the third preset algorithm to obtain the interaction information and the first result data.

[0158] The third preset algorithm is specifically an encryption / decryption algorithm, such as AES-256-GCM;

[0159] For example, the interaction information and first result data obtained from decryption are:

[0160] "payload_plaintext_json": {

[0161] "message": receivedData, / / JSON message sent from the mobile device

[0162] "mac": "ZLbiZhzdAwELnXZ0PtE71E2sfvJzY5O0sx / rO3qRVzw=",

[0163] "kdf": {

[0164] "method": "PBKDF2-HMAC-SHA256",

[0165] "salt": "lHuYGBRv0OAP0l7Y",

[0166] "iterations": 100000,

[0167] "device_id": "21616189165"

[0168] }

[0169] };

[0170] In this embodiment, one possible implementation is that after the smart terminal receives the processing message request data, it further includes: obtaining the information to be verified in the processing message request data, verifying the information to be verified, and continuing execution if the verification is successful; otherwise, an error is prompted.

[0171] For example, the information to be verified is: "recipient": "F55-secure";

[0172] Step 3031: The smart terminal obtains authentication data from the message request data, retrieves its own stored authentication data based on the application ID in the authentication data, and generates a second security key based on its own stored authentication data.

[0173] In this embodiment, obtaining the authentication data stored by itself specifically includes obtaining the authentication data decrypted when establishing a secure channel, specifically the application ID, password, and salt value;

[0174] One feasible method for generating a second security key based on the authentication data stored therein is as follows: the smart terminal calculates the authentication data according to a second preset algorithm to obtain data of a predetermined length as the second security key;

[0175] The second preset algorithm is specifically a hash algorithm, such as PBKDF2-HMAC-SHA256;

[0176] Step 3032: The smart terminal calculates the decrypted interactive information using the second security key, compares the calculated result with the decrypted first result data, and if they match, the verification is successful; otherwise, the verification fails.

[0177] In this embodiment, the smart terminal calculates the decrypted interactive information using the second security key as follows: the smart terminal calculates the decrypted interactive information using the second security key according to the first preset algorithm to obtain the calculation result;

[0178] The first preset algorithm is a hash algorithm, such as PBKDF2-HMAC-SHA256;

[0179] Step 304: The smart terminal obtains the interaction information in the processing message request data, displays the interaction amount in the interaction information on the display screen, prompts the user to perform interaction processing, sends a prompt message that the interaction processing is in progress to the terminal application, waits to receive the user's processing information, and executes step 305 when the user's processing information is received.

[0180] In this embodiment, users can interact with the smart terminal by swiping a card or by scanning a code.

[0181] In this embodiment, after sending the interaction in progress notification to the terminal application, the method further includes: the terminal application displaying information on the screen that the interaction is in progress;

[0182] Step 305: The smart terminal obtains payment information and terminal information based on the processed information, generates a verification message based on the interaction information, payment information and terminal information, and sends the verification message to the server.

[0183] One feasible approach, when a user interacts with a smart terminal by swiping a card, includes the following steps before executing step 305:

[0184] Step Y1: The smart terminal receives the card swiping command, performs the card reading operation, and determines whether the card reading is successful. If it is, proceed to step Y2; otherwise, prompt an error and end.

[0185] Step Y2: The smart terminal determines the card verification method based on the read card information. If the verification method is offline verification, proceed to step Y3; if the verification method is online verification, proceed to step Y5.

[0186] Step Y3: The smart terminal determines whether cardholder verification is required. If so, it prompts the user to enter verification information, receives the user's input verification information, encrypts the verification information and sends it to the card for verification, receives the verification response returned by the card, and executes step Y4. Otherwise, it executes step 305.

[0187] Specifically, the verification information includes PIN code information and biometric information;

[0188] Step Y4: The smart terminal determines whether the cardholder's verification was successful based on the verification response. If yes, proceed to step 305; otherwise, end.

[0189] Step Y5: The smart terminal determines whether cardholder verification is required. If so, it prompts the user to enter verification information, receives and encrypts the verification information entered by the user, and executes step 305. Otherwise, it executes step 305.

[0190] In this embodiment, when step Y4 fails, it further includes: determining whether the number of times the verification information has been entered exceeds a preset value; if yes, the process ends; otherwise, it returns to step Y3 to prompt for continued input of verification information.

[0191] Optionally, the smart terminal obtains payment information and terminal information, specifically including: obtaining card information during the payment process, obtaining the terminal device number and the merchant number corresponding to the terminal;

[0192] Optionally, the smart terminal obtains payment information and terminal information, specifically including: obtaining card information and encrypted verification information during the payment process, and obtaining the terminal device number and the merchant number corresponding to the terminal;

[0193] One feasible method involves a smart terminal acquiring payment information and terminal information, and organizing and generating a verification message based on the interaction information, payment information, and terminal information. Specifically, the smart terminal performs signature processing on the interaction information, payment information, and terminal information to obtain signature result data, and organizes the interaction information, payment information, terminal information, and signature result data according to a preset message format to generate a verification message.

[0194] Specifically, the interaction information includes: interaction amount, interaction time, and business type; the payment information includes card information, and also includes encrypted verification information; the terminal information includes the terminal device number and the merchant number corresponding to the terminal.

[0195] Step 306: The smart terminal receives the verification response message returned by the server, verifies the verification response message, and if the verification is successful, proceed to step 307; if the verification fails, display an error message and end.

[0196] In this embodiment, after the smart terminal sends the verification message to the server, the server verifies the verification message and returns the verification result as a verification response message to the smart terminal according to a preset message format.

[0197] One feasible approach is for the smart terminal to establish a TLS two-way authentication channel with the server, and to transmit messages through the established TLS two-way authentication channel;

[0198] One feasible method for verifying a message specifically includes: calculating the received message according to a predetermined algorithm and key, comparing the calculated result with the value of a first preset field in the verification message; if the comparison matches, the verification is successful; if the comparison does not match, the verification fails.

[0199] One feasible method further includes, before performing calculations on the received message according to a predetermined algorithm and key: the smart terminal obtains the value of a second preset field in the verification response message, determines whether the value of the second preset field is a first preset value, and if so, performs calculations on the received message according to the predetermined algorithm and key; otherwise, the verification fails.

[0200] One feasible method, before calculating the received message according to a predetermined algorithm and key, further includes: the smart terminal obtaining the value of the service type, determining whether the value of the service type is consistent with the value in the message processing request data, and if so, calculating the received message according to the predetermined algorithm and key; otherwise, the verification fails.

[0201] In this embodiment, the verification response message received by the smart terminal specifically includes: payment information (card information), interaction information (interaction amount, interaction time), terminal information (terminal device number, terminal corresponding merchant number), order number, and interaction result;

[0202] For example, the verification response message received by the smart terminal is:

[0203] MTI: 0210 / / Indicates that the business type is message type, 0210 indicates a consumer interaction response.

[0204] Bitmap: 7230001002C048148000000000000000 / / Bitmap representing fields contained in this message

[0205] DE 2: 6222021234567890 / / Primary Account (PAN), returns cardholder's card number

[0206] DE 3: 000000 / / Processing code, consistent with the request

[0207] DE 4 : 000000005800 / / Interaction amount, consistent with the request

[0208] DE 11: 123456 / / System trace number (STAN), consistent with the request

[0209] DE 12: 174056 / / Recipient's time, consistent with the request.

[0210] DE 13: 0627 / / Recipient's date, consistent with the request

[0211] DE 37: 250627174056 / / Retrieval Reference Number (RRN), generated by the server, used to uniquely identify interactions.

[0212] DE 38: 654321 / / Authorization Code (Auth Code), Interactive Approval Code

[0213] DE 39: 00 / / Response code, 00 indicates successful interaction, others indicate failure.

[0214] DE 41: 12345678 / / Terminal number, consistent with the request

[0215] DE 42: 123456789012345 / / Merchant ID, consistent with the request

[0216] DE 49: 156 / / Interactive currency code, 156 represents Renminbi (RMB)

[0217] DE 64: 5FAE91C04F8B2E7D / / Message MAC checksum, ensuring the integrity of the returned message;

[0218] In this embodiment, the calculation of the received message according to the predetermined algorithm and key can specifically be a hash calculation method.

[0219] Step 307: The smart terminal obtains the processing result field in the verification response message, determines the interaction result based on the processing result field, organizes the processing response message based on the interaction result, the payment information in the verification response message, and the terminal information, and sends it to the terminal application.

[0220] One feasible approach to determine the interaction result based on the processing result field is as follows: determine whether the value of the processing result field is a second preset value; if so, determine that the interaction result is successful; otherwise, determine that the interaction result is unsuccessful.

[0221] For example, if the processing result field is DE 39, the corresponding value is 00, indicating that the interaction was successful;

[0222] In this embodiment, when the smart terminal determines that the interaction result is successful based on the processing result field, it further includes: saving the processing result to the database;

[0223] One feasible approach, following step 307, further includes: the smart terminal printing out information from the processing response message, allowing the user to confirm business processing based on the printed information;

[0224] Furthermore, the information in the intelligent terminal's print processing response message specifically includes: the intelligent terminal printing the data in the processing response message through the connected printing device;

[0225] Step 308: The terminal application displays the information in the received processing response message;

[0226] One feasible approach, step 308 specifically includes: the terminal application determines whether the interaction is successful based on the interaction result; if so, it displays the interaction success message; otherwise, it displays the interaction failure message and ends.

[0227] One feasible approach, if the interaction is confirmed to be successful, also includes: saving the successful interaction result to the database;

[0228] One implementable method, after step 308, further includes: the terminal application receiving a print request triggered by the user and printing the information in the processing response message through the connected printing device;

[0229] Furthermore, printing the information in the processing response message through the connected printing device includes: the terminal application generating information printing request data in the processing response message, sending the information printing request data in the processing response message to the smart terminal, and printing the information in the processing response message through the smart terminal.

[0230] Step 309: The terminal application determines the function that needs to be set based on the trigger information and sends the setting instruction for the determined function to the smart terminal;

[0231] In this embodiment, the functions that need to be set include: setting the WiFi connection of the smart terminal, setting the screen off time of the smart terminal, setting the mobile network switch of the smart terminal, and setting the GPS switch of the smart terminal.

[0232] Step 310: After receiving the setting instruction, the smart terminal performs the corresponding operation to complete the function setting;

[0233] In this embodiment, one possible implementation method, if the instruction is to set the WiFi connection of the smart terminal, specifically includes:

[0234] Step M1: The smart terminal scans and obtains a list of connectable WiFi networks, and sends the list of connectable WiFi networks to the terminal application;

[0235] Step M2: The terminal application selects the WiFi to connect to based on the received WiFi list, receives the WiFi password entered by the user, organizes the connection command and sends it to the smart terminal.

[0236] Step M3: The smart terminal sets up the WiFi connection through the system interface according to the data in the instruction.

[0237] Step 311: The terminal application sends a query command to the smart terminal;

[0238] Step 312: After receiving the instruction, the smart terminal queries the local database and returns the retrieved processed data package to the terminal application.

[0239] Step 313: After receiving the processed data, the terminal application displays it on the screen.

[0240] In this embodiment, one possible implementation is that the smart terminal provided in this embodiment can interact with the server independently to complete interactive processing without being combined with a mobile terminal. Example 3

[0241] Embodiment 3 of the present invention provides a method for business processing by a smart terminal, applicable to a system including a smart terminal and a mobile terminal with a terminal application installed. This embodiment specifically illustrates a scenario in which a user places an order online through a terminal application on their mobile terminal and then goes to an offline store to complete payment and obtain the goods. In this embodiment, the smart terminal has physical buttons, and merchants or users can input characters such as numbers or letters through the physical buttons.

[0242] like Figure 5 As shown, a method for a smart terminal to perform business processing includes:

[0243] Step 401: The terminal application receives the user's trigger information and determines the processing type based on the trigger information. If the processing type is the first type, then proceed to step 402; if the processing type is the second type, then proceed to step 413.

[0244] In this embodiment, the first type is specifically: payment; the second type is specifically: query;

[0245] In this embodiment, one possible approach, after determining the processing type based on the trigger information, further includes:

[0246] Step 4010: The terminal application determines whether to establish a Bluetooth connection with the smart terminal. If yes, proceed to step 4011; otherwise, initiate a Bluetooth connection request to the smart terminal. After the Bluetooth connection is successful, proceed to step 4011.

[0247] Step 4011: The terminal application determines whether a secure channel has been established with the smart terminal. If so, it performs the operation corresponding to the processing type; otherwise, it proceeds to step 4012.

[0248] Step 4012: The terminal application initiates a secure channel connection establishment request to the smart terminal;

[0249] In this embodiment, the mobile terminal is specifically a device held by the merchant for use in conjunction with a smart terminal to complete a user payment scenario during a transaction;

[0250] Step 4013: After receiving the request, the smart terminal generates a key pair and sends the public key in the key pair to the terminal application via Bluetooth.

[0251] In this embodiment, the smart terminal generates a long-term key pair (SK_A, PK_A) through its internal security chip. The key pair includes a public key (PK_A) and a private key (SK_A). The smart terminal sends the public key (PK_A) to the terminal application and stores the private key (SK_A) in its internal security environment and prohibits its export.

[0252] In this embodiment, all interactions between the smart terminal and the terminal application require data encryption and decryption using a key.

[0253] Step 4014: The terminal application obtains the authentication data, encrypts the authentication data using the public key to obtain the first ciphertext, and sends the first ciphertext to the smart terminal.

[0254] In this embodiment, the authentication data specifically includes the terminal application ID, the password set by the user, and the salt value generated by the terminal application;

[0255] Specifically, step 4014 includes: the terminal application obtains data such as application ID, password, and salt value, and encrypts the data using the public key PK_A;

[0256] For example, the data before encryption is:

[0257] {

[0258] "device_id": Application ID,

[0259] "request": "register",

[0260] "salt": Base64(salt) / / Salt value

[0261] "pw_proof": 123456,

[0262] };

[0263] Step 4015: The smart terminal decrypts the first ciphertext using the private key in the key pair and saves the decrypted authentication data.

[0264] Specifically, after receiving the first ciphertext, the smart terminal decrypts the first ciphertext using the private key SK_A in the key pair to obtain device_id, salt, and pw_proof;

[0265] In this embodiment, all interactions between the terminal application and the smart terminal are conducted through a secure channel;

[0266] In this embodiment, a terminal application can establish Bluetooth connections with multiple smart terminals, while a smart terminal can only establish a Bluetooth connection and communicate with one terminal application at a time.

[0267] Step 402: The terminal application receives the user's operation on the mobile terminal's display screen, obtains order data, obtains authentication data, generates a first security key based on the authentication data, and calculates the second result data by using the first security key according to a first preset algorithm.

[0268] In this embodiment, the terminal application receives the user's operation on the mobile terminal's display screen and obtains order data, specifically including: the terminal application receives the user's operation on the mobile terminal's display screen and obtains the order information submitted by the user online, wherein the user specifically refers to the consumer user, and the order information specifically includes the interaction amount, order time, and order number;

[0269] Step 403: The terminal application encrypts the order data and the second result data using the first security key to obtain the third ciphertext;

[0270] In this embodiment, step 403 specifically includes: the terminal application encrypts the order data and the second result data using the first security key according to the third preset algorithm to obtain the third ciphertext;

[0271] The third preset algorithm is specifically an encryption algorithm, such as AES-256-GCM;

[0272] Step 404: The terminal application encrypts the first security key using the stored public key to obtain the first security key ciphertext. According to the preset processing message format, the first security key ciphertext, the third ciphertext, and the authentication data are organized to obtain the processing message request data, and the processing message request data is sent to the smart terminal.

[0273] In this embodiment, the terminal application encrypts the first security key using the public key to obtain the first security key ciphertext. Specifically, the terminal application encrypts the first security key using the public key according to the fourth preset algorithm to obtain the first security key ciphertext.

[0274] The fourth preset algorithm is specifically an encryption algorithm, such as RSA-OAEP;

[0275] One feasible approach, prior to step 402, further includes: the terminal application receiving the user's purchase information, generating order data based on the purchase information, and sending the order data to the terminal application server;

[0276] Step 405: The smart terminal receives the processing message request data, decrypts the first security key ciphertext in the processing message request data using the private key to obtain the first security key, and decrypts the third ciphertext using the first security key to obtain the order data and the second result data.

[0277] In this embodiment, the smart terminal specifically processes the received processing message request data through a security chip;

[0278] In this embodiment, the first security key is obtained by decrypting the first security key ciphertext in the processing message request data using the private key. Specifically, the smart terminal obtains the first security key by decrypting the first security key ciphertext using the private key according to the fourth preset algorithm.

[0279] The fourth preset algorithm is specifically an encryption / decryption algorithm, such as RSA-OAEP;

[0280] In this embodiment, the order data and the second result data are obtained by decrypting the third ciphertext with the first security key using the first security key. Specifically, the smart terminal decrypts the third ciphertext with the first security key according to the third preset algorithm to obtain the order data and the second result data.

[0281] The third preset algorithm is specifically an encryption / decryption algorithm, such as AES-256-GCM;

[0282] Step 406: The smart terminal obtains authentication data from the message request data, retrieves its own stored authentication data based on the application ID in the authentication data, and generates a third security key based on its own stored authentication data.

[0283] In this embodiment, obtaining the authentication data stored by itself specifically includes obtaining the authentication data decrypted when establishing a secure channel, specifically including: application ID, password, and salt value;

[0284] Step 407: The smart terminal calculates the decrypted order data using the third security key, compares the calculated result with the decrypted second result data. If they match, proceed to step 408; otherwise, display an error message and end the process.

[0285] Step 408: The smart terminal obtains the order information from the order data, displays the order information on the screen, prompts the user to make a payment, and sends the order payment prompt information to the terminal application. It waits to receive the payment information entered by the user through the smart terminal. When the user's payment information is received, step 409 is executed.

[0286] In this embodiment, one feasible approach is that the order data is specifically an order number, and the smart terminal obtains the order information from the order data by querying the corresponding order information through the terminal application server based on the order number.

[0287] Step 409: The smart terminal obtains the payment information and organizes it into a verification message, then sends the verification message to the bank server;

[0288] In this embodiment, the smart terminal organizes the verification message as follows: the smart terminal generates the verification message according to a preset message format;

[0289] Step 410: The smart terminal receives the verification response message returned by the bank server, verifies the message, and if the verification is successful, proceeds to step 411; if the verification fails, an error message is displayed and the process ends.

[0290] In this embodiment, after the smart terminal sends the verification message to the server, the server verifies the verification message and returns the verification result to the smart terminal according to the preset message format.

[0291] One feasible approach is for the smart terminal to establish a TLS two-way authentication channel with the server, and to transmit messages through the established TLS two-way authentication channel;

[0292] One feasible method for verifying a message specifically includes: calculating the received message according to a predetermined algorithm and key, comparing the calculated result with the value of a first preset field in the verification message; if the comparison matches, the verification is successful; if the comparison does not match, the verification fails.

[0293] One feasible method further includes, before performing calculations on the received message according to a predetermined algorithm and key: the smart terminal obtains the value of a second preset field in the verification response message, determines whether the value of the second preset field is a first preset value, and if so, performs calculations on the received message according to the predetermined algorithm and key; otherwise, the verification fails.

[0294] One feasible method, before calculating the received message according to a predetermined algorithm and key, further includes: the smart terminal obtaining the value of the service type, determining whether the value of the service type is consistent with the value in the message processing request data, and if so, calculating the received message according to the predetermined algorithm and key; otherwise, the verification fails.

[0295] Step 411: The smart terminal obtains the processing result field in the verification response message, determines the interaction result based on the processing result field, organizes the interaction result into a processing response message, and sends it to the terminal application.

[0296] In this embodiment, one possible implementation is that step 411, which involves organizing the interaction result into a processing response message and sending it to the terminal application, can be replaced by: organizing the interaction result into a processing response message and sending it to the terminal application server.

[0297] After receiving the processing response message returned by the smart terminal, the terminal application server also includes: sending a processing response message to the terminal application, through which the user can obtain the payment result.

[0298] Step 412: The terminal application displays interactive information based on the received processing response message;

[0299] One feasible approach, step 412 specifically includes: the terminal application determines whether the interaction is successful based on the interaction information; if so, it displays the interaction success information; otherwise, it displays the interaction failure information and ends.

[0300] One feasible approach is to save the successful interaction result to the database on the terminal application server if the interaction is determined to be successful.

[0301] One implementable method, after step 412, further includes: the terminal application receiving a print request triggered by the user and printing interactive information through the connected printing device;

[0302] Furthermore, printing interactive information via the connected printing device includes: the terminal application generating interactive information printing request data, sending the interactive information printing request data to the smart terminal, and printing the interactive information via the smart terminal.

[0303] Step 413: The terminal application sends a query command to the smart terminal;

[0304] Step 414: After receiving the query command, the smart terminal queries the local database and returns the queried processed data package to the terminal application.

[0305] Step 415: After receiving the processed data, the terminal application displays it on the screen.

[0306] In this embodiment, one possible implementation method is that steps 413 to 415 can be replaced by: the terminal application sending a query command to the terminal application server, receiving the queried data and displaying it on the screen;

[0307] This invention provides a method for business processing using a smart terminal. It utilizes existing portable mobile device resources to deeply integrate the core interactive processing capabilities of the smart terminal with the interactive display capabilities of the mobile terminal. While ensuring compliance with financial payment security standards, it minimizes the display screen of the smart terminal itself, thereby reducing the manufacturing and deployment costs of the smart terminal.

[0308] The following are system embodiments of the present invention, which can be used to execute the method embodiments of the present invention. For details not disclosed in the system embodiments of the present invention, please refer to the method embodiments of the present invention.

[0309] An exemplary embodiment of the present invention provides a system for business processing by a smart terminal. The system includes: a smart terminal and a mobile terminal with a terminal application installed. The smart terminal is used to implement the business processing method of the smart terminal described in the above embodiment, and the mobile terminal is used to implement the business processing method of the smart terminal described in the above embodiment.

[0310] It should be noted that the system for processing business on a smart terminal provided in the above embodiments is only illustrated by the division of the above functional modules when executing the method for processing business on a smart terminal. In practical applications, the above functions can be allocated and completed by different functional modules as needed, that is, the internal structure of the device can be divided into different functional modules to complete all or part of the functions described above. In addition, the system for processing business on a smart terminal provided in the above embodiments and the method embodiments for processing business on a smart terminal belong to the same concept, and the specific implementation process can be found in the method embodiments, which will not be repeated here.

[0311] The sequence numbers of the above embodiments of the present invention are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0312] This invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory, wherein the processor executes the computer program to implement the steps of any of the methods described in the foregoing embodiments.

[0313] This invention also provides a computer-readable storage medium storing a computer program / instructions thereon, which, when executed by a processor, implements the steps of any of the methods described in the foregoing embodiments. The computer-readable storage medium may include, but is not limited to, any type of disk, including floppy disks, optical disks, DVDs, CD-ROMs, microdrives, as well as magneto-optical disks, ROMs, RAMs, EPROMs, EEPROMs, DRAMs, VRAMs, flash memory devices, magnetic cards or optical cards, nanosystems (including molecular memory ICs), or any type of medium or device suitable for storing instructions and / or data.

[0314] This invention provides a computer program product, including a computer program / instructions, wherein the computer program / instructions, when executed by a processor, implement the steps of any of the methods described in the foregoing embodiments.

[0315] In this invention, the terms "first," "second," etc., are used for descriptive purposes only and should not be construed as indicating or implying relative importance or order; the term "multiple" refers to two or more unless otherwise explicitly defined. "And / or" describes the relationship between related objects, indicating that three relationships can exist. For example, A and / or B can represent: A alone, A and B simultaneously, or B alone. The character " / " generally indicates that the preceding and following related objects have an "or" relationship. The terms "install," "connect," "link," "fix," etc., should be interpreted broadly. For example, "connect" can be a fixed connection, a detachable connection, or an integral connection; "link" can be a direct connection or an indirect connection through an intermediate medium. Those skilled in the art can understand the specific meaning of the above terms in this invention according to the specific circumstances.

[0316] In the description of this invention, it should be understood that the terms "upper" and "lower" indicate the orientation or positional relationship based on the orientation or positional relationship shown in the accompanying drawings. They are only for the convenience of describing this invention and simplifying the description, and do not indicate or imply that the device or unit referred to must have a specific orientation or be constructed and operated in a specific orientation. Therefore, they should not be construed as limiting this invention.

[0317] The above description is merely a specific embodiment of the present invention, but the scope of protection of the present invention is not limited thereto. Any variations or substitutions that can be easily conceived by those skilled in the art within the technical scope disclosed in the present invention should be included within the scope of protection of the present invention. Therefore, equivalent variations made according to the claims of the present invention are still within the scope of the present invention.

Claims

1. A method for business processing by a smart terminal, characterized in that, The method is applicable to systems including smart terminals and mobile terminals with terminal applications installed, and the method includes: Step S1: The smart terminal receives the processing message request data sent by the terminal application, verifies the processing message request data, and if the verification is successful, proceed to step S2; if the verification fails, the process ends. Step S2: The smart terminal obtains the interaction data in the processing message request data, displays the interaction amount in the interaction data on the display screen, prompts the user to perform interaction processing, sends an interaction in progress prompt message to the terminal application, waits to receive the user's processing information, and executes step S3 when the user's processing information is received. Step S3: The smart terminal obtains payment information and terminal information based on the processing information, generates a verification message based on the interaction data, the payment information and the terminal information, and sends the verification message to the server. Step S4: The smart terminal receives the verification response message returned by the server and verifies the verification response message. If the verification is successful, proceed to step S5; if the verification fails, prompt an error and end. Step S5: The smart terminal obtains the processing result field in the verification response message, determines the interaction result based on the processing result field, and organizes the processing response message according to the interaction result, the payment information, terminal information, and interaction data in the verification response message and sends it to the terminal application so that the terminal application can display the information in the processing response message. The procedure preceding step S1 also includes: Step A1: The smart terminal receives a secure channel establishment request initiated by the terminal application; Step A2: The smart terminal generates a key pair and sends the public key of the key pair to the terminal application; Step A3: The smart terminal receives the first ciphertext sent by the terminal application, decrypts the first ciphertext using the private key in the key pair, and saves the decrypted authentication data.

2. The method for business processing by a smart terminal as described in claim 1, characterized in that, The verification of the processing message request data specifically includes: Step B1: The smart terminal decrypts the first security key ciphertext in the processing message request data to obtain the first security key, and then decrypts the second ciphertext in the processing message request data using the first security key to obtain the interaction data and the first result data. Step B2: The smart terminal obtains authentication data from the processing message request data, obtains the corresponding authentication data stored in itself, and generates a second security key based on the corresponding authentication data stored in itself. Step B3: The smart terminal calculates the decrypted interactive data using the second security key, compares the calculated result with the decrypted first result data, and if they match, the verification is successful; otherwise, the verification fails.

3. The method for business processing by a smart terminal as described in claim 1, characterized in that, The method further includes: the smart terminal receiving a query command sent by the terminal application, querying the local database, and returning the queried data package to the terminal application.

4. The method for business processing by a smart terminal as described in claim 1, characterized in that, The method further includes: the smart terminal receiving a setting instruction sent by the terminal application and performing a corresponding operation to complete the setting of the smart terminal.

5. The method for business processing by a smart terminal as described in claim 1, characterized in that, Before step S3, the following is included: Step Y1: The smart terminal receives the card swiping command, performs the card reading operation, and determines whether the card reading is successful. If it is, proceed to step Y2; otherwise, prompt an error and end. Step Y2: The smart terminal determines the card verification method based on the read card information. If the verification method is offline verification, proceed to step Y3; if the verification method is online verification, proceed to step Y5. Step Y3: The smart terminal determines whether cardholder verification is required. If so, it prompts the cardholder to enter verification information, receives the verification information entered by the cardholder, encrypts the verification information and sends it to the card for verification, receives the verification response returned by the card, and executes step Y4. Otherwise, it executes step S3. Step Y4: The smart terminal determines whether the cardholder's verification is successful based on the verification response. If yes, proceed to step S3; otherwise, end. Step Y5: The smart terminal determines whether cardholder verification is required. If so, it prompts the cardholder to enter verification information, receives and encrypts the entered verification information, and executes step S3. Otherwise, it executes step S3.

6. The method for business processing by a smart terminal as described in claim 1, characterized in that, The specific steps of organizing and generating a verification message based on the interaction data, payment information, and terminal information are as follows: the smart terminal performs signature processing on the interaction data, payment information, and terminal information to obtain signature result data, and organizes the interaction data, payment information, terminal information, and signature result data into a verification message according to a preset message format.

7. The method for business processing by a smart terminal as described in claim 1, characterized in that, Step S5 is followed by: the smart terminal printing the data in the processing response message.

8. A method for a smart terminal to perform business processing, characterized in that, The method is applicable to systems including smart terminals and mobile terminals with terminal applications installed, and the method includes: Step P1: The terminal application receives the user's trigger information and determines the processing type based on the trigger information. If the processing type is the first type, then step P2 is executed. Step P2: The terminal application receives the user's operation information on the mobile terminal's display screen, obtains the interaction data, generates processing message request data based on the interaction data, and sends the processing message request data to the smart terminal. Step P3: The terminal application waits to receive data sent by the smart terminal. When the first data is received, step P4 is executed. When the second data is received, step P5 is executed. Step P4: The terminal application displays a prompt message indicating that the interactive operation is in progress on the mobile terminal's display screen, which is used to display content that the smart terminal cannot display, and then returns to step P3; Step P5: The terminal application displays the received data and interacts with the response data to enable the user to confirm the business processing based on the interaction response data. Before execution step P2, the following also includes: Step E1: The terminal application determines whether a secure channel has been established with the smart terminal. If yes, proceed to step P2; otherwise, proceed to step E2. Step E2: The terminal application initiates a secure channel establishment request to the smart terminal, and receives and saves the public key sent by the smart terminal; Step E3: The terminal application obtains authentication data, encrypts the authentication data using the public key to obtain the first ciphertext, and sends the first ciphertext to the smart terminal. The step of generating processing message request data based on the interaction data specifically includes: Step F1: The terminal application generates a first security key based on the authentication data, and calculates the first result data using the first security key on the interaction data; Step F2: The terminal application encrypts the interaction data and the first result data using the first security key to obtain the second ciphertext; Step F3: The terminal application encrypts the first security key using the stored public key to obtain the first security key ciphertext, and generates processing message request data by combining the first security key ciphertext, the second ciphertext, and the authentication data according to a preset processing message format.

9. The method for business processing by a smart terminal as described in claim 8, characterized in that, Before step E1, the process includes: the terminal application determining whether a connection has been established with the smart terminal; if so, step E1 is executed; otherwise, a connection request is initiated to the smart terminal, and step E2 is executed after a successful connection.

10. The method for business processing by a smart terminal as described in claim 8, characterized in that, The method further includes: if the processing type in step P1 is a setting type, the terminal application determines the function that needs to be set according to the trigger information, and sends a setting instruction containing the determined function to be set to the smart terminal.

11. The method for business processing by a smart terminal as described in claim 8, characterized in that, The method further includes: if the processing type in step P1 is a query type, the terminal application sends a query instruction to the smart terminal, and displays the data sent by the smart terminal on the screen after receiving the data.

12. The method for business processing by a smart terminal as described in claim 8, characterized in that, After step P4, the method further includes: the terminal application receiving a print request triggered by the user and printing the interactive processing response data through the connected printing device.

13. The method for business processing by a smart terminal as described in claim 12, characterized in that, The step of printing the interactive processing response data through the connected printing device includes: the terminal application generating an interactive processing response data printing request and sending the printing request to the smart terminal for printing.

14. A system for intelligent terminals to perform business processing, the system comprising: A mobile terminal and a smart terminal with a terminal application installed, wherein the smart terminal is used to implement the method of business processing of the smart terminal as described in any one of claims 1 to 7, and the mobile terminal is used to implement the method of business processing of the smart terminal as described in any one of claims 8 to 13.

15. A computer device comprising a memory, a processor, and a computer program stored in the memory, characterized in that, The processor executes the computer program to implement the method of any one of claims 1 to 13.

16. A computer-readable storage medium having a computer program / instructions stored thereon, characterized in that, When the computer program / instructions are executed by the processor, they implement the method of any one of claims 1 to 13.

17. A computer program product comprising a computer program / instructions, characterized in that, When the computer program / instructions are executed by the processor, they implement the method of any one of claims 1 to 13.

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