CN113837744B - Transaction data processing method, transaction data processing system and terminal - Google Patents

Abstract

The present invention relates to a transaction data processing method. The method comprises: a first terminal generates a transaction password input requirement; a first communication channel is established between the first terminal and the second terminal based on a first trigger event, and the tag information of the first terminal is sent from the first terminal to the second terminal through the first communication channel; a second channel is established between the first terminal and the second terminal based on the communication connection information contained in the tag information; based on the trigger event, a password keyboard provided by the second terminal is awakened, and the password keyboard is used by the user to input a transaction password; the transaction password input from the password keyboard is sent to the first terminal through the second communication channel; and the first terminal completes the transaction based on the obtained transaction password. According to the present invention, it is not necessary to input a password at a merchant terminal, but the password can be input at a user terminal to complete the transaction.

Description

Transaction data processing method, transaction data processing system and terminal

Technical Field

The present invention relates to computer technology, and in particular to a transaction data processing method, a transaction data processing system and a terminal.

Background technique

In the prior art, some mobile wallets have integrated mobile POS functions. Merchants use mobile wallets on their mobile phones, use the merchant's mobile phone as a mobile POS, enter the transaction amount to initiate payment, and consumers swipe their bank cards on the merchant's mobile phone. The mobile POS pops up a password keyboard, and the consumer has to enter the transaction password on the merchant's mobile phone. Figure 1 is a schematic diagram showing the situation of entering a transaction password on a merchant's mobile phone in the prior art.

At the current stage, there is a lack of solutions to prevent consumers from entering their transaction passwords on other people’s phones (merchant phones).

Summary of the invention

In view of the above problems, the present invention aims to provide a transaction data processing method, a transaction data processing system and a terminal that can realize transactions without inputting a transaction password at a merchant terminal.

A transaction data processing method according to one aspect of the present invention is characterized by comprising:

In a request input step, the first terminal generates a transaction password input request;

A first channel establishment step, in which a first communication channel is established between the first terminal and the second terminal based on a trigger event, and label information is sent from the first terminal to the second terminal through the first communication channel, wherein the label information includes communication connection information and order information;

A second channel establishing step, establishing a second communication channel between the first terminal and the second terminal based on the communication connection information;

A keyboard awakening step, based on the triggering event, awakening a password keyboard provided in the second terminal, wherein the password keyboard is used by the user to input a transaction password;

A password sending step, sending the transaction password input from the password keyboard to the first terminal through the second communication channel; and

In the transaction execution step, the first terminal executes the transaction based on the obtained transaction password.

Optionally, the second channel establishing step and the password sending step further include:

The authentication negotiation step is to implement authentication between the second terminal and the first terminal through the second communication channel and obtain a communication key through key negotiation.

Optionally, in the password sending step, the second terminal encrypts the transaction password using the communication key and then sends it to the first terminal.

Optionally, the first communication channel is an NFC channel, and the second communication channel is a Bluetooth channel.

Optionally, in the keyboard awakening step, a plurality of PIN keyboards provided in the second terminal are awakened and one of them is selected.

Optionally, the trigger event is an NFC trigger event.

Optionally, the trigger event is a QR code scanning trigger event.

The transaction data processing method of the present invention is characterized by comprising:

Input requirement step, generating transaction password input requirement;

A first channel establishment step, establishing a first communication channel with an external terminal based on a triggering event, wherein label information is sent to the external terminal through the first communication channel, wherein the label information includes communication connection information and order information;

A second channel establishing step, establishing a second communication channel based on the communication connection information;

a password obtaining step of obtaining the transaction password sent from the external terminal through the second communication channel; and

The transaction execution step executes the transaction based on the obtained transaction password.

Optionally, the second channel establishing step and the password sending step further include:

The authentication negotiation step is to realize authentication with the external terminal through the second communication channel and obtain the communication key through key negotiation.

Optionally, in the password acquisition step, a transaction password encrypted with the communication key and sent from the external terminal is acquired.

Optionally, the first communication channel is an NFC channel, and the second communication channel is a Bluetooth channel.

Optionally, the trigger event is an NFC trigger event.

Optionally, the trigger event is a QR code scanning trigger event.

The transaction data processing method of the present invention is characterized by comprising:

A first channel establishment step, establishing a first communication channel with an external terminal based on a trigger event, and obtaining label information from the external terminal through the first communication channel, wherein the label information includes communication connection information and order information;

A second channel establishing step, establishing a second communication channel with an external terminal based on the communication connection information;

A keyboard awakening step, based on the trigger event, awakening the PIN keyboard, the PIN keyboard is used by the user to input the transaction password; and

The password sending step sends the transaction password input from the password keyboard to the external terminal through the second communication channel.

Optionally, the second channel establishing step and the password sending step further include:

an authentication negotiation step, achieving authentication with the external terminal through the second communication channel and obtaining a communication key through key negotiation,

In the password sending step, the transaction password is encrypted with the communication key and then sent to an external terminal.

Optionally, the first communication channel is an NFC channel, and the second communication channel is a Bluetooth channel.

Optionally, in the keyboard awakening step, multiple password keyboards are awakened and one of them is selected.

Optionally, the trigger event is an NFC trigger event.

Optionally, the trigger event is a QR code scanning trigger event.

The transaction data processing method of the present invention is characterized by comprising:

In a request input step, the first terminal generates a transaction password input request;

A first channel establishment step, in which a first communication channel is established between the first terminal and the second terminal based on a trigger event, and label information is sent from the first terminal to the second terminal through the first communication channel, wherein the label information includes communication connection information and order information;

A second channel establishing step, establishing a second channel between the first terminal and the second terminal based on the communication connection information;

a keyboard awakening step, based on the triggering event, awakening a PIN keyboard provided in the second terminal, wherein the PIN keyboard is used by the user to input a transaction password; and

In the password sending step, the second terminal sends the transaction password and the order information input through the password keyboard from the second terminal to the service end pointed to by the order information.

Optionally, in the keyboard awakening step, the second terminal is provided with a plurality of password keyboards for the user to select one of them.

Optionally, the trigger event is an NFC trigger event.

Optionally, the trigger event is a QR code scanning trigger event.

The transaction data processing system of the present invention is characterized by comprising a merchant terminal and a user terminal,

Wherein, the merchant terminal includes:

A transaction module, for generating a transaction password input requirement and executing a transaction based on the transaction information and the obtained transaction password;

A first merchant communication module, configured to establish a first communication channel with the user terminal, wherein the first communication channel is established based on a triggering event, and tag information is sent from the merchant terminal to the user terminal through the first communication channel, wherein the tag information includes communication connection information and order information; and

A second merchant communication module is used to establish a second communication channel between Western Sydney and the user terminal based on the communication connection and to receive a transaction password from the user terminal.

The user terminal comprises:

A first user communication module, used to establish a first communication channel with a merchant terminal;

A password keyboard module, which is aroused based on the trigger event and provides a password keyboard for the user to input the transaction password;

The second user communication module is used to establish a second communication channel with the merchant terminal and send the transaction password input through the password keyboard to the merchant terminal through the second communication channel.

Optionally, the second user communication module is further used to implement authentication negotiation with the second merchant communication module, so that authentication is implemented between the second merchant communication module and the second user communication module through the second communication channel and a communication key is obtained through key negotiation.

The user terminal further comprises an encryption module, which is used to encrypt the transaction password input through the password keyboard using the communication key.

The second user communication module sends the encrypted transaction password to the merchant terminal.

Optionally, the first communication channel is an NFC channel, and the second communication channel is a Bluetooth channel.

The merchant terminal of the present invention is characterized by comprising:

a transaction module, configured to generate a transaction password input requirement and execute a transaction based on the transaction information and the obtained transaction password; and

A first merchant communication module, configured to establish a first communication channel with an external terminal, wherein the first communication channel is established based on a triggering event, and tag information is sent to the external terminal through the first communication channel, wherein the tag information includes communication connection information and order information;

The second merchant communication module is used to establish a second communication channel with the external terminal based on the communication connection information and to receive a transaction password from the external terminal.

The user terminal of the present invention is characterized by comprising:

A first user communication module, used to establish a first communication channel with an external terminal, and receive label information from the external terminal through the first communication channel, wherein the label information includes communication connection information and order information;

A PIN pad module is invoked based on a trigger event and provides a PIN pad; and

The second user communication module is used to establish a second communication channel with the external terminal based on the communication connection information and send the transaction password input through the password keyboard to the external terminal through the second communication channel.

The transaction data processing system of the present invention is characterized by comprising a merchant terminal and a user terminal,

Wherein, the merchant terminal includes:

A transaction module, for generating a transaction password input requirement and executing a transaction based on the transaction information and the obtained transaction password;

A QR code module, used to display label information in the form of a QR code image, wherein the label information includes communication connection information and order information; and

A merchant communication module, used to establish a communication channel based on the communication connection information with the user terminal and to receive a transaction password from the user terminal,

Wherein, the user terminal includes:

An information receiving module, used to obtain the label information by scanning a QR code image;

A password keyboard module is invoked based on a QR code scanning event and provides a password keyboard; and

The user communication module is used to establish a communication channel with the merchant terminal through the communication connection information and send the transaction password input through the password keyboard to the merchant terminal through the communication channel.

Optionally, the user communication module is also used to implement authentication negotiation with the merchant communication module, so that authentication is achieved between the merchant communication module and the user communication module through the communication channel and the communication key is obtained through key negotiation and sent to the merchant communication module. The user terminal further includes: an encryption module, which is used to use the communication key to encrypt the transaction password entered through the password keyboard.

The merchant terminal of the present invention is characterized by comprising:

A transaction module, for generating a transaction password input requirement and executing a transaction based on the transaction information and the obtained transaction password;

A QR code module, used to display label information in the form of a QR code image, wherein the label information includes communication connection information and order information; and

The merchant communication module is used to establish a communication channel with an external terminal and to receive a transaction password from the external terminal.

The user terminal of the present invention is characterized by comprising:

An information receiving module, used to obtain label information provided by an external terminal by scanning a QR code image, wherein the label information includes communication connection information and order information;

A password keyboard module is invoked based on a QR code scanning event and provides a password keyboard for a user to input a transaction password; and

The user communication module is used to establish a communication channel with the external terminal based on the communication connection information and send the transaction password input through the password keyboard to the external terminal through the communication channel.

The transaction data processing system of the present invention is characterized in that it includes a merchant terminal and a user terminal, and is characterized in that:

Wherein, the merchant terminal includes:

A transaction module, used to generate transaction password input requirements;

A first merchant communication module, configured to establish a first communication channel with the user terminal, wherein the first communication channel is established based on a triggering event, and tag information is sent to the user terminal through the first communication channel, wherein the tag information includes communication connection information and order information; and

A second merchant communication module is used to establish a second communication channel with the user terminal based on the communication connection information,

The user terminal comprises:

A first user communication module, configured to establish a first communication channel with the merchant terminal and receive the tag information from the merchant terminal through the first communication channel;

A PIN pad module is invoked based on the trigger event and provides a PIN pad; and

A second user communication module, configured to establish a second communication channel with the merchant terminal based on the communication connection information and send the following transaction result to the merchant terminal through the second communication channel; and

The third communication module is used to communicate with an external server to send transaction-related information to the server and receive transaction results from the server.

The merchant terminal of the present invention is characterized by comprising:

A transaction module, used to generate transaction password input requirements;

A first merchant communication module, configured to establish a first communication channel with an external terminal, wherein the first communication channel is established based on a triggering event, and tag information is sent to the external terminal through the first communication channel, wherein the tag information includes communication connection information and order information; and

The second merchant communication module is used to establish a second communication channel with the external terminal based on the communication connection information.

The user terminal of the present invention is characterized by comprising:

A first user communication module, used to establish a first communication channel with an external terminal, and receive the label information from the external terminal through the first communication channel, wherein the label information includes communication connection information and order information;

A PIN pad module is invoked based on the trigger event and provides a PIN pad; and

A second user communication module, configured to establish a second communication channel with an external terminal based on the communication connection information and send the following transaction results to the external terminal through the second communication channel; and

The third user communication module is used to communicate with an external server to send transaction-related information to the server and receive transaction results from the server.

The computer readable medium of the present invention stores a computer program thereon, characterized in that:

When the computer program is executed by a processor, the above-mentioned transaction data processing method is implemented.

The computer device of the present invention comprises a storage module, a processor and a computer program stored in the storage module and executable on the processor, and is characterized in that the processor implements the above-mentioned transaction data processing method when executing the computer program.

As described above, according to the transaction data processing method, transaction data processing system and terminal of the invention, it is not necessary to input a password at the merchant terminal, but the password can be input at the user terminal to complete the transaction.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a schematic diagram showing a situation in which a transaction password is input on a merchant's mobile phone in the prior art.

FIG. 2 is a schematic diagram showing an overview of the process of the transaction data processing method of the present invention.

FIG. 3 is a schematic flow chart showing a transaction data processing method according to the first embodiment of the present invention.

FIG. 4 is a specific flowchart showing the transaction data processing method according to the first embodiment of the present invention.

FIG5 is a schematic diagram showing the process of generating authentication and communication keys.

FIG. 6 is a block diagram showing the structure of a transaction data processing system according to the first embodiment of the present invention.

FIG. 7 is a schematic flow chart showing a transaction data processing method according to a second embodiment of the present invention.

FIG8 is a block diagram showing the structure of a transaction data processing system according to a second embodiment of the present invention.

FIG. 9 is a schematic flow chart showing a transaction data processing method according to a third embodiment of the present invention.

FIG. 10 is a block diagram showing the structure of a transaction data processing system according to a third embodiment of the present invention.

Detailed ways

The following describes some of the various embodiments of the present invention, which are intended to provide a basic understanding of the present invention, but are not intended to identify the key or decisive elements of the present invention or to limit the scope of protection.

For the purpose of brevity and illustration, the principles of the present invention are described herein mainly with reference to its exemplary embodiments. However, those skilled in the art will readily recognize that the same principles are equally applicable to all types of transaction data processing methods, transaction data processing systems, and terminals, and that these same principles can be implemented therein, and that any such changes do not depart from the true spirit and scope of the present patent application.

Moreover, in the following description, reference is made to the accompanying drawings, which illustrate specific exemplary embodiments. Electrical, mechanical, logical and structural changes may be made to these embodiments without departing from the spirit and scope of the present invention. In addition, although the features of the present invention are disclosed in conjunction with only one of several implementations/embodiments, this feature may be combined with one or more other features of other implementations/embodiments as may be desirable and/or advantageous for any given or identifiable function. Therefore, the following description should not be regarded as limiting, and the scope of the present invention is defined by the appended claims and their equivalents.

Terms such as “having” and “including” indicate that in addition to the units (modules) and steps directly and explicitly stated in the specification and claims, the technical solution of the present invention does not exclude the situation where it has other units (modules) and steps that are not directly or explicitly stated.

FIG. 2 is a schematic diagram showing a general flow of the transaction data processing method of the present invention.

As shown in FIG2 , the transaction data processing method of the present invention comprises the following steps:

Step S100: establishing a first communication channel between the first terminal and the second terminal based on a first trigger event, and sending label information from the first terminal to the second terminal through the first communication channel, wherein the label information includes communication connection information and order information;

Step S200: establishing a second channel between the first terminal and the second terminal based on the communication connection information;

Step S300: Based on the trigger event, the PIN keyboard of the second terminal is awakened, and the PIN keyboard is used by the user to input the transaction password;

Step S400: sending the transaction password input from the password keyboard to the first terminal through the second communication channel; and

Step S500: The first terminal executes the transaction based on the obtained transaction password and order information.

Furthermore, in order to ensure the security of the transaction password transmission, the transaction password is further encrypted to transmit the transaction password.

Here, as a preferred method, a setting is further added between step S200 and step S300: an authentication negotiation step, in which authentication is implemented between the second terminal and the first terminal through the second communication channel and a communication key is obtained through key negotiation.

Thus, in step S400, the second terminal encrypts the transaction password using the acquired communication key and sends the encrypted password to the first terminal.

As an example, the first communication channel is an NFC channel, and the second communication channel is a Bluetooth channel.

In step S300, a plurality of PIN pads provided in the second terminal are called up and one of them is selected by the user.

As an example, the trigger event is NFC triggering, and as another example, the trigger event is QR code scanning triggering.

Next, the transaction data processing method according to the first embodiment of the present invention and the transaction data processing system according to the first embodiment of the present invention will be described in detail.

First embodiment

FIG. 3 is a schematic flow chart showing a transaction data processing method according to the first embodiment of the present invention.

In the first embodiment, a transaction data processing method implemented between a merchant and a consumer through a consumer mobile phone and a merchant mobile phone is taken as an example for description.

As shown in FIG3 , the transaction data processing method of the first embodiment of the present invention includes the following steps:

Step S101: The consumer uses a bank card to swipe the card on the merchant's mobile phone;

Step S102: The merchant's mobile phone displays a password keyboard and requires the merchant to enter a password;

Step S103: the consumer does not enter a password on the merchant's mobile phone, but instead "touches" the consumer's mobile phone with the merchant's mobile phone (i.e. triggers an NFC event);

Step S104: Bluetooth pairing between the consumer's mobile phone and the merchant's mobile phone;

Step S105: The consumer enters the transaction password on the consumer's mobile phone;

Step S106: transmitting the transaction password to the merchant's mobile phone via Bluetooth transmission; and

Step S107: The transaction is completed.

As shown in Figure 3, the consumer uses a bank card to swipe the merchant's mobile phone. If the consumer does not want to enter the transaction password on the merchant's mobile phone, he can use his own mobile phone to "touch" the merchant's mobile phone. The consumer's mobile phone will start the mobile wallet and pop up the password keyboard. The consumer enters the transaction password on his mobile phone to complete the transaction. The transaction data processing method of the present invention is suitable for the scenario where consumers use bank cards to pay by swiping, but is not suitable for mobile phone PAY payment, because when using mobile phone PAY, identity authentication can be completed by entering a password/swiping face/fingerprint, and payment can be completed directly.

Next, the transaction data processing method according to the first embodiment of the present invention will be described in detail with further reference to FIG. 6 .

FIG. 4 is a specific flowchart showing the transaction data processing method according to the first embodiment of the present invention.

As shown in FIG4 , in step S1, after the mobile wallet of the merchant's mobile phone is started, the transaction amount is displayed on the merchant's mobile phone, waiting for the card to be swiped. In step S2, the consumer swipes the bank card on the merchant's mobile phone. In step S3, the password keyboard is displayed on the merchant's mobile phone. In step S4, the user determines whether to enter the password on the merchant's mobile phone. If yes, the password is entered in step S5 and the transaction is completed. If not, proceed to step S6.

In step S6, the consumer's mobile phone touches the merchant's mobile phone (i.e. triggers an NFC event).

In step S7, the payment module (equivalent to the password keyboard module) of the mobile wallet is awakened on the consumer's mobile phone. In step S8, the Bluetooth pairing of the consumer's mobile phone and the merchant's mobile phone is realized. In step S9, authentication is realized and a communication key is generated. In step S10, the transaction password is entered in the pop-up password keyboard on the consumer's mobile phone. In step S11, the input transaction password is signed and encrypted using the communication key. In step S12, the encrypted transaction password is verified and decrypted on the merchant's mobile phone. In step S13, the transaction is completed.

After the consumer swipes the bank card, the merchant's mobile phone starts the NFC card simulation mode, in which the tag information (TAG info) contains the Bluetooth mac address and the order information. At this time, in step S6, the consumer brings the mobile phone close to the merchant's mobile phone, and in step S8, the above information is read to achieve Bluetooth pairing of the mobile phone.

In step S9, authentication is implemented and communication keys are generated. Specifically, in the consumer's mobile phone, the private key of the mobile wallet is used to sign the token, transmit the token, deviceId (device ID) and key seed to the merchant's mobile phone, and receive the authentication result from the merchant's mobile phone, thereby completing the authentication process. Among them, the token is generated for each transaction as a credential for initiating a network request, and will become invalid when it expires. At the same time, the key seed generates a communication key by using a specific algorithm, and finally completes the entire process of negotiating the key. Figure 5 is a schematic diagram showing the process of generating authentication and communication keys.

Among them, in step S6, the consumer's mobile phone "touches" the merchant's mobile phone, that is, the NFC triggers the event, and the system of the consumer's mobile phone will transmit an Intent message (i.e., the intention message). When the consumer's mobile wallet listens to the Intent message, a pop-up box will be displayed to prompt the user to select which application. If the mobile wallet is selected, the password keyboard page related to the mobile wallet APP will be called to the system foreground. Here, the call of the code keyboard is realized through the intent message of the Android system. The Intent can carry parameters, open the wallet APP application, and jump to the specified page. Among them, all APP applications that have registered NFC events will pop up the prompt box provided by the password keyboard, so consumers can choose one of them.

FIG. 6 is a block diagram showing the structure of a transaction data processing system according to the first embodiment of the present invention.

As shown in FIG. 6 , the transaction data processing system of the first embodiment of the present invention includes a merchant terminal (ie, a merchant mobile phone) 100 and a user terminal (ie, a user mobile phone) 200 .

The merchant terminal 100 includes:

The transaction module 110 is used to generate a transaction password input requirement and execute a transaction based on the transaction information and the obtained transaction password;

A first merchant communication module 120 is configured to establish a first communication channel with the user terminal 200, wherein the first communication channel is established based on a triggering event, and the tag information of the merchant terminal 100 is sent to the user terminal 200 through the first communication channel, wherein the tag information includes communication connection information and order information; and

The second merchant communication module 130 is used to establish a second communication channel with the user terminal 200 based on the communication connection information and to receive a transaction password from the user terminal 200 .

The user terminal 200 includes:

The first user communication module 210 is used to establish a first communication channel with the merchant terminal 100 and receive the tag information from the merchant terminal 100 through the first communication channel;

A PIN pad module 220 is invoked based on the trigger event and is used to provide a PIN pad for the user to input a transaction password; and

The second user communication module 230 is used to establish a second communication channel with the merchant terminal 100 based on the communication connection information and send the transaction password input through the password keyboard to the merchant terminal 100 through the second communication channel.

The second user communication module 230 is also used to implement authentication negotiation with the second merchant communication module 130, so that authentication is implemented between the second merchant communication module 130 and the second user communication module 230 through the second communication channel and the communication key is obtained through key negotiation and sent to the merchant communication module 130.

The user terminal 200 further includes: an encryption module 240, which is used to encrypt the transaction password input through the password keyboard using the communication key.

In this way, the second user communication module 230 sends the transaction password encrypted by the encryption module 240 to the merchant terminal 100 .

As an example, the first communication channel is an NFC channel, and the second communication channel is a Bluetooth channel.

According to the transaction data processing method and transaction data processing system of the first embodiment of the present invention, the user does not need to enter the transaction password at the merchant terminal. Instead, the key keyboard of the user terminal is awakened by "touch and pay" (NFC trigger event), and the transaction password is entered through the password keyboard of the user terminal. This not only protects the security of the transaction password, but also improves the user experience.

Second embodiment

Next, a transaction data processing method and a transaction data processing system according to a second embodiment of the present invention will be described in detail.

FIG. 7 is a schematic flow chart showing a transaction data processing method according to a second embodiment of the present invention.

In the second embodiment, a transaction data processing method implemented between a merchant and a consumer through a consumer mobile phone and a merchant mobile phone is used as an example for explanation. The difference from the first embodiment is that a QR code scanning trigger method is used instead of an NFC trigger method.

As shown in FIG. 7 , the transaction data processing method according to the second embodiment of the present invention comprises the following steps:

Step S201: The consumer uses a bank card to swipe the card on the merchant's mobile phone;

Step S202: The merchant's mobile phone displays a password keyboard, requiring the merchant to enter a password, and displays a QR code image at the same time. The QR code image includes tag information (TAG info), and the tag information includes a Bluetooth MAC address and the order information.

Step S203: The consumer's mobile phone scans the QR code image displayed on the merchant's mobile phone (i.e. triggers a QR code scanning event) to obtain the Bluetooth MAC address and order information contained in the QR code image;

Step S204: Bluetooth pairing is achieved between the consumer's mobile phone and the merchant's mobile phone using the Bluetooth MAC address;

Step S205: based on the QR code scanning event, the consumer's mobile phone automatically starts the mobile wallet to pop up a password keyboard, and the consumer enters the transaction password on the password keyboard of the consumer's mobile phone;

Step S206: transmitting the input transaction password to the merchant's mobile phone via Bluetooth transmission; and

Step S207: The transaction ends.

As shown in Figure 7, consumers use bank cards to swipe on the merchant's mobile phone. If they do not want to enter the transaction password on the merchant's mobile phone, they can use their mobile phone to scan the QR code image displayed on the merchant's mobile phone. Based on the QR code scanning trigger event, the consumer's mobile phone will start the mobile wallet and pop up the password keyboard. The consumer enters the transaction password on his or her mobile phone to complete the transaction.

Next, the transaction data processing method according to the second embodiment of the present invention will be described in detail with reference to FIG. 8 .

FIG8 is a block diagram showing the structure of a transaction data processing system according to a second embodiment of the present invention.

As shown in FIG. 8 , the transaction data processing system according to the second embodiment of the present invention includes a merchant terminal (ie, a merchant mobile phone) 300 and a user terminal (ie, a user mobile phone) 400 .

The merchant terminal 300 includes:

The transaction module 310 is used to generate a transaction password input requirement and execute a transaction based on the transaction information and the obtained transaction password;

A QR code module 320, used to display the label information in the form of a QR code image, wherein the label information includes communication connection information and order information; and

The merchant communication module 330 is used to establish a communication channel with the user terminal 400 based on the communication connection information and to receive a transaction password from the user terminal 400 .

The user terminal 400 includes:

The information receiving module 410 is used to scan the QR code image to obtain the label information;

A password keyboard module 420 is invoked based on a QR code scanning event and provides a password keyboard for a user to input a transaction password; and

The user communication module 430 is used to establish a communication channel with the merchant terminal 300 and send the transaction password input through the password keyboard to the merchant terminal 300 through the communication channel.

The user communication module 430 is also used to implement authentication negotiation with the merchant communication module 330, so that authentication is implemented between the merchant communication module 330 and the user communication module 230 through the communication channel and the communication key is obtained through key negotiation and sent to the merchant communication module 330.

The user terminal 400 further includes: an encryption module 440, which is used to encrypt the transaction password input through the password keyboard using the communication key.

In this way, the user communication module 430 sends the transaction password encrypted by the encryption module 440 to the merchant terminal 300 , and the merchant communication module 330 implements decryption.

As an example, the communication channel is a Bluetooth channel.

The transaction data processing method and transaction data processing system of the second embodiment of the present invention do not require the user to enter the transaction password at the merchant terminal. Instead, the key keyboard of the user terminal is awakened by "scanning the QR code" (QR code scanning event) and the transaction password is entered at the user terminal. This not only protects the security of the transaction password, but also improves the user experience.

Third embodiment

Next, a transaction data processing method and a transaction data processing system according to a third embodiment of the present invention will be described in detail.

The third embodiment is different from the first embodiment in that, instead of sending the transaction message to the merchant's mobile phone via Bluetooth, the transaction message is sent from the consumer's mobile phone to the service end.

As shown in FIG9 , the transaction data processing method of the third embodiment of the present invention includes the following steps:

Step S301: The consumer uses a bank card to swipe the card on the merchant's mobile phone;

Step S302: The merchant's mobile phone displays a password keyboard and requires the merchant to enter a password;

Step S303: The consumer's mobile phone touches the merchant's mobile phone (i.e. triggers an NFC event);

Step S304: Bluetooth pairing between the consumer's mobile phone and the merchant's mobile phone;

Step S305: a password keyboard pops up on the consumer's mobile phone, and the consumer enters the transaction password on the password keyboard of the consumer's mobile phone;

Step S306: The transaction message is sent from the consumer's mobile phone to the server. The consumer's mobile phone determines the corresponding server through the URL of the server. The consumer's mobile phone can access the designated server to complete data communication. The information sent is mainly the order payment information, including the order information such as the product name and amount, as well as the consumer's payment method, the consumer's mobile phone information (including the transaction password), etc.

Step S307: As shown in the figure, the corresponding server returns the payment result to the consumer's mobile phone and notifies the payment result from the consumer's mobile phone to the merchant's mobile phone through the Bluetooth channel, or the corresponding server directly returns the payment result to the merchant's mobile phone (not shown); and

Step S308: The transaction is completed.

FIG. 10 is a block diagram showing the structure of a transaction data processing system according to a third embodiment of the present invention.

As shown in FIG. 10 , the transaction data processing system of the third embodiment of the present invention includes: a merchant terminal (ie, a merchant mobile phone) 500 and a user terminal (ie, a consumer mobile phone) 600 .

The merchant terminal 500 includes:

Transaction module 510, used to generate transaction password input requirements;

A first merchant communication module 520, configured to establish a first communication channel with the user terminal 600, wherein the first communication channel is established based on a triggering event, and the tag information of the merchant terminal 500 is sent to the user terminal 600 through the first communication channel, wherein the tag information includes communication connection information and order information; and

The second merchant communication module 530 is used to establish a second communication channel with the user terminal 600 .

The user terminal 600 includes:

The first user communication module 610 is used to establish a first communication channel with the merchant terminal 500 and receive the tag information from the merchant terminal 100 through the first communication channel;

A password keyboard module 620 is invoked based on the trigger event and provides a password keyboard;

A second user communication module 630, configured to establish a second communication channel with the merchant terminal 500 and send the following transaction results to the merchant terminal 600 through the second communication channel; and

The third communication module 640 is used to communicate with the server to send transaction-related information to the server and receive transaction results from the server.

As described above, according to the transaction data processing method, transaction data processing system and terminal of the invention, it is not necessary to input a password at the merchant terminal, but the password can be input at the user terminal to complete the transaction.

The above examples mainly illustrate the transaction data processing method, transaction data processing system and terminal of the present invention. Although only some of the specific embodiments of the present invention are described, it should be understood by those skilled in the art that the present invention can be implemented in many other forms without departing from its subject matter and scope. Therefore, the examples and embodiments shown are regarded as illustrative rather than restrictive, and the present invention may cover various modifications and substitutions without departing from the spirit and scope of the present invention as defined in the appended claims.

Claims (17)

1. A transaction data processing method, which is characterized in that the method is applied to a scene of card swiping transaction by a bank card, and comprises the following steps:

An input request step, based on the card swiping action of the bank card at the first terminal, the first terminal generates a transaction password input request;

a first channel establishing step, namely establishing a first communication channel between a first terminal and a second terminal based on an NFC trigger event, and sending tag information from the first terminal to the second terminal through the first communication channel, wherein the tag information comprises communication connection information and order information, and the first communication channel is an NFC communication channel;

A second channel establishing step of establishing a second communication channel between the first terminal and the second terminal based on the communication connection information, the second communication channel being a bluetooth communication channel;

a keyboard arousing step, based on the NFC trigger event, a password keyboard provided by the second terminal is aroused, and the password keyboard is used for inputting a transaction password by a user;

An authentication negotiation step, wherein authentication is realized between a second terminal and a first terminal through the second communication channel, and a communication key is obtained through key negotiation;

a password sending step of encrypting the transaction password input from the password keyboard by adopting the communication key and then sending the encrypted transaction password to the first terminal through the second communication channel; and

A transaction execution step in which the first terminal executes a transaction based on the obtained transaction password,

Wherein the implementing authentication and obtaining the communication key through key negotiation includes:

The second terminal sends a private key signature token, a device ID and a key seed to the first terminal and receives an authentication result from the first terminal, wherein the key seed generates the communication key by adopting a specific algorithm, and the token is generated every transaction and used as a certificate for initiating a network request, and the expiration is invalid.

2. A transaction data processing method according to claim 1, wherein,

In the keyboard invoking step, a plurality of code keyboards provided in the second terminal are invoked and one of them is selected.

3. A transaction data processing method, which is characterized in that the method is applied to a scene of a card swiping transaction by a bank card, the method is applied to a first terminal, and the method comprises the following steps:

An input request step, based on the card swiping action of the bank card, generating a transaction password input request;

A first channel establishing step, namely establishing a first communication channel with a second terminal based on an NFC trigger event, wherein tag information is sent to the second terminal through the first communication channel, the tag information comprises communication connection information and order information, and the first communication channel is an NFC communication channel;

A second channel establishing step of establishing a second communication channel based on the communication connection information, the second communication channel being a bluetooth communication channel;

An authentication negotiation step, wherein authentication is realized between the authentication negotiation step and the second terminal through the second communication channel, and a communication key is obtained through key negotiation;

a password obtaining step of obtaining a transaction password encrypted by the communication key, which is sent from the second terminal through the second communication channel; and

A transaction execution step of executing a transaction based on the obtained transaction password,

Wherein the implementing authentication and obtaining the communication key through key negotiation includes:

And receiving a private key signature token, a device ID and a key seed sent by the second terminal, and sending an authentication result, wherein the key seed generates the communication key by adopting a specific algorithm, and the token is generated every time a transaction is carried out, and is used as a certificate for initiating a network request, and the expiration is invalid.

4. A transaction data processing method, which is characterized in that the method is applied to a scene of a card swiping transaction by a bank card, the method is applied to a second terminal, and the method comprises the following steps:

A first channel establishing step, namely establishing a first communication channel with a first terminal based on an NFC trigger event, and obtaining tag information from the first terminal through the first communication channel, wherein the tag information comprises communication connection information and order information, the first communication channel is an NFC communication channel, a bank card is swiped on the first terminal before the first channel establishing step, and a transaction password input requirement is generated by the first terminal based on the bank card swiped;

a second channel establishing step of establishing a second communication channel with the first terminal based on the communication connection information, the second communication channel being a bluetooth communication channel;

a keyboard arousal step of arousing a password keyboard based on the NFC trigger event, wherein the password keyboard is used for inputting a transaction password by a user;

An authentication negotiation step, wherein authentication is realized between the authentication negotiation step and the first terminal through the second communication channel, and a communication key is obtained through key negotiation; and

A password transmission step of transmitting the transaction password inputted from the password keypad to the first terminal through the second communication channel,

In the password transmission step, the transaction password is encrypted by the communication key and then transmitted to the first terminal,

Wherein the implementing authentication and obtaining the communication key through key negotiation includes:

And sending a private key signature token, a device ID and a key seed to the first terminal and receiving an authentication result from the first terminal, wherein the key seed generates the communication key by adopting a specific algorithm, and the token is generated every time a transaction is performed, and is used as a certificate for initiating a network request, and the expiration is invalid.

5. The transaction data processing method of claim 4, wherein,

In the keyboard invoking step, a plurality of code keyboards are invoked and one of them is selected.

6. The transaction data processing method is characterized by being applied to a scene of card swiping transaction by a bank card, and comprises the following steps:

An input request step, based on the card swiping action of the bank card at the first terminal, the first terminal generates a transaction password input request;

a first channel establishing step, namely establishing a first communication channel between a first terminal and a second terminal based on an NFC trigger event, and sending tag information from the first terminal to the second terminal through the first communication channel, wherein the tag information comprises communication connection information and order information, and the first communication channel is an NFC communication channel;

A second channel establishing step of establishing a second communication channel between the first terminal and the second terminal based on the communication connection information, the second communication channel being a bluetooth communication channel;

a keyboard arousing step, based on the NFC trigger event, a password keyboard provided by the second terminal is aroused, and the password keyboard is used for inputting a transaction password by a user;

an authentication negotiation step, wherein authentication is realized between the first terminal and the second terminal through the second communication channel, and a communication key is obtained through key negotiation; and

A password transmitting step, the second terminal encrypts the transaction password and the order information input by the password keyboard by the communication key and then transmits the encrypted transaction password and the order information to a server pointed by the order information from the second terminal,

Wherein the implementing authentication and obtaining the communication key through key negotiation includes:

The second terminal sends a private key signature token, a device ID and a key seed to the first terminal and receives an authentication result from the first terminal, wherein the key seed generates the communication key by adopting a specific algorithm, and the token is generated every transaction and used as a certificate for initiating a network request, and the expiration is invalid.

7. The transaction data processing method of claim 6, wherein,

In the keyboard invoking step, a plurality of cipher keyboards provided in the second terminal are invoked for the user to select one of them.

8. A transaction data processing system is characterized in that the system is applied to a scene of card swiping transaction of a bank card, and comprises a merchant terminal and a user terminal,

Wherein, the merchant terminal includes:

The transaction module is used for generating a transaction password input requirement based on the card swiping action of the bank card and executing transaction based on the transaction information and the obtained transaction password;

The first merchant communication module is used for establishing a first communication channel with the user terminal, wherein the first communication channel is triggered and established based on the NFC trigger event, tag information is sent from the merchant terminal to the user terminal through the first communication channel, the tag information comprises communication connection information and order information, and the first communication channel is an NFC communication channel; and

A second merchant communication module for establishing a second communication channel between the communication connection information and the user terminal and for receiving a transaction password from the user terminal, the second communication channel being a bluetooth communication channel,

The user terminal includes:

the first user communication module is used for establishing a first communication channel between the NFC trigger event and the merchant terminal;

A code keypad module that is evoked based on the NFC trigger event and provides a code keypad for the user to enter a transaction code;

A second user communication module for establishing a second communication channel with the merchant terminal and transmitting the transaction password input through the password keyboard to the merchant terminal through the second communication channel,

Wherein the second user communication module is used for realizing authentication with the second merchant communication module through the second communication channel and obtaining a communication key through key negotiation,

The second merchant communication module obtains the transaction password encrypted by the communication key sent by the second user communication module, wherein the steps of realizing authentication and obtaining the communication key through key negotiation include:

And sending a private key signature token, a device ID and a key seed to the second merchant communication module by utilizing the second user communication module and receiving an authentication result from the second merchant communication module, wherein the key seed generates the communication key by adopting a specific algorithm, and the token is generated every time a transaction, and is used as a certificate for initiating a network request, and the expiration is invalid.

9. The merchant terminal is characterized in that the merchant terminal is applied to a scene of card swiping transaction by a bank card, and comprises:

the transaction module is used for generating a transaction password input requirement based on the card swiping action of the bank card and executing transaction based on the transaction information and the obtained transaction password; and

The system comprises a first merchant communication module, a first communication channel and a user terminal, wherein the first communication channel is established based on triggering of an NFC triggering event, tag information is sent to the user terminal through the first communication channel, the tag information comprises communication connection information and order information, and the first communication channel is an NFC communication channel;

a second merchant communication module for establishing a second communication channel with the user terminal based on the communication connection information and for receiving a transaction password from the user terminal, the second communication channel being a Bluetooth communication channel,

The second merchant communication module and the user terminal realize authentication through the second communication channel and obtain a communication key through key negotiation, wherein the realizing authentication and obtaining the communication key through key negotiation comprises:

And sending a private key signature token, a device ID and a key seed to the second merchant communication module by using the user terminal and receiving an authentication result from the merchant terminal, wherein the key seed generates the communication key by adopting a specific algorithm, and the token is generated every time a transaction and used as a certificate for initiating a network request, and the expiration is invalid.

10. The merchant terminal as recited in claim 9, wherein,

And the second merchant communication module acquires the transaction password which is sent from the user terminal and is encrypted by the communication key.

11. A user terminal, wherein the user terminal is applied to a scene of a card swiping transaction by a bank card, and comprises:

The system comprises a first user communication module, a first user communication module and a merchant terminal, wherein the first user communication module is used for establishing a first communication channel with the merchant terminal based on an NFC trigger event, receiving tag information from the merchant terminal through the first communication channel, wherein the tag information comprises communication connection information and order information, the first communication channel is an NFC communication channel, a bank card is swiped on the merchant terminal before the first communication channel is established, and the merchant terminal generates a transaction password input requirement based on the card swipe of the bank card;

The password keyboard module is evoked and provides a password keyboard based on the NFC trigger event; and

A second user communication module for establishing a second communication channel with the merchant terminal based on the communication connection information and transmitting the transaction password input through the password keyboard to the merchant terminal through the second communication channel, wherein the second communication channel is a Bluetooth communication channel,

Wherein the second user communication module is used for realizing authentication with the merchant terminal through the second communication channel and obtaining a communication key through key negotiation, the merchant terminal obtains a transaction password which is sent from the second user communication module and is encrypted by the communication key,

Wherein the implementing authentication and obtaining the communication key through key negotiation includes:

And sending a private key signature token, a device ID and a key seed to the merchant terminal by utilizing the second user communication module and receiving an authentication result from the merchant terminal, wherein the key seed generates the communication key by adopting a specific algorithm, and the token is generated every time a transaction and is used as a certificate for initiating a network request, and the expiration is invalid.

12. The user terminal of claim 11, wherein,

The keypad module invokes a plurality of keypads and selects one of the plurality of keypads.

13. The transaction data processing system is characterized by being applied to a scene of card swiping transaction of a bank card, and comprising a merchant terminal and a user terminal, wherein the merchant terminal comprises:

The transaction module is used for generating a transaction password input requirement based on the card swiping action of the bank card;

the first merchant communication module is used for establishing a first communication channel with the user terminal, wherein the first communication channel is triggered and established based on the NFC trigger event, tag information is sent to the user terminal through the first communication channel, the tag information comprises communication connection information and order information, and the first communication channel is an NFC communication channel; and

A second merchant communication module for establishing a second communication channel with the user terminal based on the communication connection information, the second communication channel being a Bluetooth communication channel,

The user terminal includes:

the first user communication module is used for establishing a first communication channel with the merchant terminal based on the NFC trigger event, and receiving the tag information from the merchant terminal through the first communication channel;

A code keypad module that is evoked and provides a code keypad based on the NFC trigger event; and

The second user communication module is used for establishing a second communication channel with the merchant terminal based on the communication connection information and sending a transaction result to the merchant terminal through the second communication channel; and

A third user communication module for communicating with an external server to transmit information related to the transaction to the server and receive a transaction result from the server,

Wherein the second user communication module is used for realizing authentication with the second merchant communication module through the second communication channel and obtaining a communication key through key negotiation, the second merchant communication module obtains a transaction password which is sent from the second user communication module and is encrypted by the communication key,

Wherein the implementing authentication and obtaining the communication key through key negotiation includes:

And sending a private key signature token, a device ID and a key seed to the second merchant communication module by utilizing the second user communication module and receiving an authentication result from the second merchant communication module, wherein the key seed generates the communication key by adopting a specific algorithm, and the token is generated every time a transaction, and is used as a certificate for initiating a network request, and the expiration is invalid.

14. The merchant terminal is characterized in that the merchant terminal is applied to a scene of card swiping transaction by a bank card, and comprises:

The transaction module is used for generating a transaction password input requirement based on the card swiping action of the bank card;

The system comprises a first merchant communication module, a first communication channel and a user terminal, wherein the first communication channel is established based on triggering of an NFC triggering event, tag information is sent to the user terminal through the first communication channel, the tag information comprises communication connection information and order information, and the first communication channel is an NFC communication channel; and

A second merchant communication module for establishing a second communication channel with the user terminal based on the communication connection information, the second communication channel being a Bluetooth communication channel,

The second merchant communication module and the user terminal realize authentication through the second communication channel and obtain a communication key through key negotiation, wherein the realizing authentication and obtaining the communication key through key negotiation comprises:

And sending a private key signature token, a device ID and a key seed to the second merchant communication module by using the user terminal, and sending an authentication result by the second merchant communication module, wherein the key seed generates the communication key by adopting a specific algorithm, and the token is generated every time a transaction is generated and used as a certificate for initiating a network request, and the expiration is invalid.

15. A user terminal, wherein the user terminal is applied to a scene of a card swiping transaction by a bank card, and comprises:

The system comprises a first user communication module, a first user communication module and a merchant terminal, wherein the first user communication module is used for establishing a first communication channel with the merchant terminal based on an NFC trigger event, receiving tag information from the merchant terminal through the first communication channel, wherein the tag information comprises communication connection information and order information, the first communication channel is an NFC communication channel, a bank card is swiped on the merchant terminal before the first communication channel is established, and the merchant terminal generates a transaction password input requirement based on the bank card swipe;

The password keyboard module is evoked and provides a password keyboard based on the NFC trigger event; and

The second user communication module is used for establishing a second communication channel with the merchant terminal based on the communication connection information and sending a transaction result to the merchant terminal through the second communication channel, and the second communication channel is a Bluetooth communication channel; and

A third user communication module for communicating with an external server to transmit information related to the transaction to the server and receive a transaction result from the server,

Wherein the second user communication module is used for realizing authentication with the merchant terminal through the second communication channel and obtaining a communication key through key negotiation, the merchant terminal obtains a transaction password which is sent from the second user communication module and is encrypted by the communication key,

Wherein the implementing authentication and obtaining the communication key through key negotiation includes:

And sending a private key signature token, a device ID and a key seed to the merchant terminal by utilizing the second user communication module and receiving an authentication result from the merchant terminal, wherein the key seed generates the communication key by adopting a specific algorithm, and the token is generated every time a transaction and is used as a certificate for initiating a network request, and the expiration is invalid.

16. A computer readable medium having a computer program stored thereon, characterized in that,

The computer program, when executed by a processor, implements the transaction data processing method of any one of claims 1 to 7.

17. A computer device comprising a memory module, a processor and a computer program stored on the memory module and executable on the processor, characterized in that the processor implements the transaction data processing method of any of claims 1-7 when the computer program is executed by the processor.