CN102446321B - Trading method and system as well as POS (Point of Sale) terminal and mobile terminal - Google Patents
Trading method and system as well as POS (Point of Sale) terminal and mobile terminal Download PDFInfo
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- CN102446321B CN102446321B CN201010501256.2A CN201010501256A CN102446321B CN 102446321 B CN102446321 B CN 102446321B CN 201010501256 A CN201010501256 A CN 201010501256A CN 102446321 B CN102446321 B CN 102446321B
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Abstract
The invention discloses a trading method comprising the steps of: A, reading card information of a trading card by utilizing a POS (Point of Sale) terminal; B, sending the card information to a mobile terminal X by utilizing the POS terminal, further sending the card information to a POS service platform by utilizing the mobile terminal X, receiving a verification result returned by the POS service platform through the mobile terminal X by utilizing the POS terminal and carrying out a step C if passing the verification, wherein the communication connection is established between the POS terminal per se and the mobile terminal X; and C, sending the obtained trading information to the mobile terminal X by utilizing the POS terminal, further sending the trading information to the POS service platform by utilizing the mobile terminal X, completing the trading and receiving the verification result returned by the POS service platform through the mobile terminal X by utilizing the POS terminal. The invention discloses a trading system, the POS terminal and the mobile terminal in the meantime. The user experience can be improved by utilizing the method, the system and the device which are disclosed by the invention.
Description
Technical field
The present invention relates to E-Payment technology, particularly a kind of method of commerce and system and a kind of point of sales terminal and a kind of mobile terminal.
Background technology
In prior art, user can utilize point of sale (POS, Point of Sale) transaction system to complete transaction.As shown in Figure 1, Fig. 1 is the composition structural representation of existing POS transaction system.Wherein, POS terminal reads the card image of transaction card, as the track data of magnetic stripe card or integrated circuit (IC, Integrated Circuit) card number etc. of card, sending to POS service platform carries out legitimate verification, and receives the result that POS service platform returns, if the verification passes, continue subsequent treatment, otherwise, close the trade; Afterwards, the Transaction Information getting is sent to POS service platform by POS terminal, completes transaction, and described Transaction Information can comprise card image and user, i.e. the dealing money of holder's input etc.; Complete after transaction, POS service platform returns to transaction results to POS terminal, and transaction results is sent to holder with the form of note or multimedia message.
But, can there is certain problem in aforesaid way: POS terminal need to be carried out information interaction by the communication module of self and POS service platform in actual applications, described communication module can be modulator-demodulator (Modem) module, transmission control protocol (TCP, Transmission Control Protocol) communication module, GPRS (GPRS, General Packet Radio Service) communication module, code division multiple access (CDMA, Code Division Multiple Access) communication module etc., can be built-in or external hanging type, because above-mentioned communication module is conventionally very large, so can cause the mobility of POS terminal very poor, can only be fixed on a certain place, like this, if the signal of communication in this place is bad, may cause Fail Transaction, thereby reducing user experiences.
Summary of the invention
In view of this, main purpose of the present invention is to provide a kind of method of commerce, can promote user and experience.
Another object of the present invention is to provide a kind of transaction system, can promote user and experience.
Another object of the present invention is to provide a kind of point of sales terminal, can promote user and experience.
A further object of the present invention is to provide a kind of mobile terminal, can promote user and experience.
For achieving the above object, technical scheme of the present invention is achieved in that
A kind of method of commerce, comprising:
A, point of sale POS terminal read the card image of transaction card;
B, described POS terminal send to described card image the mobile terminal X that has set up communication connection with self, further send to POS service platform, and receive the result that described POS service platform returns by described mobile terminal X by it; Be verified execution step C;
The Transaction Information getting is sent to described mobile terminal X by C, described POS terminal, further sends to described POS service platform by it, completes transaction, and receive the transaction results that described POS service platform returns by described mobile terminal X.
A kind of transaction system, comprising: point of sale POS terminal, POS service platform and set up the mobile terminal X of communication connection with described POS terminal;
Described POS terminal, for reading the card image of transaction card, sends to described mobile terminal X, further sends to described POS service platform, and receive the result that described POS service platform returns by described mobile terminal X by it; Be verified, the Transaction Information getting is sent to described mobile terminal X, further send to described POS service platform by it, complete transaction, and receive the transaction results that described POS service platform returns by described mobile terminal X;
Described mobile terminal X, for the card image that is received from described POS terminal being sent to described POS service platform, and returns to described POS terminal by the result that is received from described POS service platform; The Transaction Information that is received from described POS terminal is sent to described POS service platform, and the transaction results that is received from described POS service platform is returned to described POS terminal;
Described POS service platform, for according to the card image that is received from described mobile terminal X, the legitimacy of described transaction card being verified, and returns to described mobile terminal X by the result; Complete transaction according to the Transaction Information that is received from described mobile terminal X, and return to transaction results to described mobile terminal X.
A kind of point of sale POS terminal, comprising: the first processing unit and the second processing unit;
Described the first processing unit, for reading the card image of transaction card, sends to described the second processing unit;
Described the second processing unit, for described card image being sent to the mobile terminal X that has set up communication connection with described POS terminal, further send to POS service platform by it, and receive the result that described POS service platform returns by described mobile terminal X; Be verified, obtain Transaction Information, send to described mobile terminal X, further send to described POS service platform by it, complete transaction, and receive the transaction results that described POS service platform returns by described mobile terminal X.
A kind of mobile terminal, comprising: the 3rd processing unit;
Described the 3rd processing unit, for the card image that is received from point of sale POS terminal is sent to POS service platform, and returns to described POS terminal by the result that is received from described POS service platform; The Transaction Information that is received from described POS terminal is sent to described POS service platform, and the transaction results that is received from described POS service platform is returned to described POS terminal.
Visible, adopt technical scheme of the present invention, by POS terminal, card image and Transaction Information are sent to the mobile terminal of having set up communication connection with it, and then carry out information interaction by mobile terminal and POS service platform, because the mobility of mobile terminal is very strong, if the signal of communication in place, current place is bad, be movable to the good place of other signal of communication, therefore can guarantee Transaction Success, thereby promote user's experience; In addition, with after original communication module in integrated chip replacement POS terminal, can make the mobility of POS terminal become better.
Brief description of the drawings
Fig. 1 is the composition structural representation of existing POS transaction system.
Fig. 2 is the flow chart of method of commerce embodiment of the present invention.
Fig. 3 is the composition structural representation of transaction system embodiment of the present invention.
Fig. 4 is the composition structural representation of POS terminal 31 shown in Fig. 3.
Fig. 5 is the composition structural representation of mobile terminal X 32 shown in Fig. 3.
Embodiment
For problems of the prior art, a kind of brand-new trading scheme is proposed in the present invention, can promote user and experience.
For make technical scheme of the present invention clearer, understand, referring to the accompanying drawing embodiment that develops simultaneously, scheme of the present invention is described in further detail.
Fig. 2 is the flow chart of method of commerce embodiment of the present invention.As shown in Figure 2, comprise the following steps:
Step 21:POS terminal reads the card image of transaction card.
Described card image can be the track data of magnetic stripe card or the card number of IC-card etc.
Step 22:POS terminal sends to the card image reading the mobile terminal X that has set up communication connection with self, further send to POS service platform by it, so that POS service platform is verified the legitimacy of transaction card according to card image, and is received the result that POS service platform returns by mobile terminal X.
In actual applications, before step 22, can further comprise:
Step X1: when POS terminal reads after the card image of transaction card, with the mobile terminal in preset frequency real-time search preset range, and after often searching a mobile terminal X, execution step X2;
The concrete value of described preset frequency and preset range all can be decided according to the actual requirements, such as described preset range can be in 10cm.
Step X2: if scheduled duration as 1 minute in mobile terminal X can successfully establish a communications link with POS terminal, stop search, and perform step 22, otherwise, search for next mobile terminal X, and repeated execution of steps X2.
Can find out, in step X1～X2, adopt Anti-knocking mechanism, once have a mobile terminal X and POS terminal successfully to set up communication connection, no longer continue search.In addition, if do not search yet the mobile terminal X that can successfully establish a communications link with POS terminal in scheduled duration in as 10 minutes, can close the trade.
In mobile terminal X and POS terminal, all set in advance an integrated chip, after mobile terminal X enters into the hunting zone of POS terminal, the integrated chip in mobile terminal X will be activated, and active establishes a communications link with the integrated chip in POS terminal.How to establish a communications link as prior art, repeat no more.
Step 23:POS terminal determines according to the result receiving whether checking is passed through, and if so, performs step 24, otherwise, process ends.
The Transaction Information getting is sent to mobile terminal X by step 24:POS terminal, further sends to POS service platform by it, completes transaction, and receive the transaction results that POS service platform returns by mobile terminal X, process ends.
Described Transaction Information can comprise card image, dealing money, receipts uniline message and platform address etc.In addition, in actual applications, for guaranteeing fail safe, POS terminal can first be encrypted Transaction Information conventionally, and then sends, and correspondingly, POS service platform receives after Transaction Information, need to first decipher, and how encryption and decryption is prior art, repeats no more.For POS service platform, mobile terminal X is equivalent to POS terminal of the prior art, POS service platform can according to and existing POS terminal between information interaction mode and mobile terminal X carry out information interaction, and complete transaction.
After completing transaction, POS service platform returns to transaction results by mobile terminal X to POS terminal; In addition, POS service platform can also note or the form of multimedia message transaction results is sent to holder.
Have again, in actual applications, after POS terminal and mobile terminal X successfully establish a communications link, follow-up, due to a variety of causes, the signal of communication quality of mobile terminal X may decline, and even there is no signal of communication, in order to ensure carrying out smoothly of concluding the business in this case, can process in such a way:
1) if after card image sends to mobile terminal X by POS terminal, do not receive the result in scheduled duration, disconnect the communication connection between mobile terminal X, and repeated execution of steps X1;
2) if after Transaction Information sends to mobile terminal X by POS terminal, do not receive transaction results in scheduled duration, disconnect the communication connection between mobile terminal X, and repeated execution of steps X1.
Above-mentioned mobile terminal X can be mobile phone, personal digital assistant (PDA, Personal Digital Assistant) or panel computer (iPad) etc., mobile terminal X can utilize self and extraneous communication capacity, as bluetooth (Bluetooth), global mobile communication (GSM, Global System for Mobile Communications) and Wireless Fidelity (WIFI, Wireless Fidelity) etc. carry out information interaction with POS service platform, utilize a private address and POS terminal to carry out information interaction.
Based on said method, the composition structural representation that Fig. 3 is transaction system embodiment of the present invention.As shown in Figure 3, comprising: POS terminal 31, set up mobile terminal X 32 and the POS service platform 33 of communication connection with POS terminal 31.
POS terminal 31, for reading the card image of transaction card, sends to mobile terminal X 32, further sends to POS service platform 33, and receive the result that POS service platform 33 returns by mobile terminal X 32 by it; Be verified, the Transaction Information getting is sent to mobile terminal X 32, further send to POS service platform 33 by it, complete transaction, and receive the transaction results that POS service platform 33 returns by mobile terminal X 32;
Mobile terminal X 32, for the card image that is received from POS terminal 31 is sent to POS service platform 33, and returns to POS terminal 31 by the result that is received from POS service platform 33; The Transaction Information that is received from POS terminal 31 is sent to POS service platform 33, and the transaction results that is received from POS service platform 33 is returned to POS terminal 31;
POS service platform 33, for according to the card image that is received from mobile terminal X 32, the legitimacy of transaction card being verified, and returns to mobile terminal X 32 by the result; Complete transaction according to the Transaction Information that is received from mobile terminal X 32, and return to transaction results to mobile terminal X 32.
Fig. 4 is the composition structural representation of POS terminal 31 shown in Fig. 3.As shown in Figure 4, comprising: the first processing unit 41 and the second processing unit 42.
The first processing unit 41, for reading the card image of transaction card, sends to the second processing unit 42;
The second processing unit 42, for card image being sent to mobile terminal X 32, further sends to POS service platform 33 by it, and receives the result that POS service platform 33 returns by mobile terminal X 32; Be verified, obtain Transaction Information, send to mobile terminal X 32, further send to POS service platform 33 by it, complete transaction, and receive the transaction results that POS service platform 33 returns by mobile terminal X 32.
In Fig. 4, also can further comprise: the first integrated chip 43, for reading after card image when definite the first processing unit 41, with the mobile terminal in preset frequency real-time search preset range, after often searching a mobile terminal X 32, if determine that mobile terminal X 32 can successfully establish a communications link with self in scheduled duration, stop search, and notify the second processing unit 42 to carry out self function, otherwise, search for next mobile terminal X 32, the like; The second processing unit 42 carries out information interaction by the first integrated chip 43 with mobile terminal X 32.
Wherein, the second processing unit 42 can be further used for, if after card image is sent to mobile terminal X 32, do not receive the result in scheduled duration, disconnect the communication connection between mobile terminal X 32, and notify the first integrated chip 43 to repeat self function; And/or, if after Transaction Information is sent to mobile terminal X 32, do not receive transaction results in scheduled duration, disconnect the communication connection between mobile terminal X 32, and notify the first integrated chip 43 to repeat self function.
In order to realize above-mentioned functions, need to carry out certain transformation to the software architecture of existing POS terminal.
The software architecture of existing POS terminal mainly comprises: bottom hardware driving, instruction parser and thread scheduler.Wherein, bottom hardware drives in the time that existing POS terminal starts, and completes the drive load to the each part in existing POS terminal; Thread scheduler has been used for calling of application to existing POS terminal, completes various command operatings, as consumption, cancel and the return of goods etc.; Instruction parser, for receiving after thread scheduling, is resolved concrete instruction, completes relationship trading flow process.
The software architecture of POS terminal 31 mainly comprises: bottom hardware driving, instruction parser and process scheduler.Wherein, the effect that the bottom hardware in bottom hardware driving and existing POS terminal drives is similar,, in the time that POS terminal 31 starts, completes the drive load to the each part in POS terminal 31; Process scheduler has been used for the scheduling of the process to POS terminal 31, as established a communications link with mobile terminal X 32 and application being selected etc.; Instruction parser, for receiving after process scheduling, is resolved concrete instruction, completes relationship trading flow process.
Fig. 5 is the composition structural representation of mobile terminal X 32 shown in Fig. 3.As shown in Figure 5, comprising: the 3rd processing unit 51.
The 3rd processing unit 51, for the card image that is received from POS terminal 31 is sent to POS service platform 33, and returns to POS terminal 31 by the result that is received from POS service platform 33; The Transaction Information that is received from POS terminal 31 is sent to POS service platform 33, and the transaction results that is received from POS service platform 33 is returned to POS terminal 31.
In Fig. 5, also can further comprise: the second integrated chip 52; After mobile terminal X 32 enters into the hunting zone of POS terminal 31, the second integrated chip 52 will be activated, and establish a communications link with the first integrated chip 43 in POS terminal 31; The 3rd processing unit 51 carries out information interaction by the second integrated chip 52 with POS terminal 31.
In actual applications, shown in Fig. 4 and Fig. 5, in terminal, also will further comprise some other parts, as also comprised display, keyboard, card reader and printer etc. in POS terminal 31, because these and scheme of the present invention are without direct relation, therefore be not described.
In addition, above-mentioned the first integrated chip 43 and the second integrated chip 52 can be integrated in to safe digital memory card (SD, Secure Digital Memory Card) on (or similar card), like this, in the time that needs arrange the first integrated chip 43 in POS terminal 31, directly insert SD card, same, in the time that needs arrange the second integrated chip 52 on mobile terminal X 32, directly insert SD card.
In a word, adopt technical scheme of the present invention, by POS terminal, card image and Transaction Information are sent to the mobile terminal of having set up communication connection with it, and then carry out information interaction by mobile terminal and POS service platform, because the mobility of mobile terminal is very strong, if the signal of communication in place, current place is bad, be movable to the good place of other signal of communication, therefore can guarantee Transaction Success, thereby promote user's experience; In addition, with after original communication module in integrated chip replacement POS terminal, can make the mobility of POS terminal become better.
The foregoing is only preferred embodiment of the present invention, in order to limit the present invention, within the spirit and principles in the present invention not all, any amendment of making, be equal to replacement, improvement etc., within all should being included in the scope of protection of the invention.
Claims (6)
1. a method of commerce, is characterized in that, comprising:
A, point of sale POS terminal read the card image of transaction card;
B, described POS terminal send to described card image the mobile terminal X that has set up communication connection with self, further send to POS service platform, and receive the result that described POS service platform returns by described mobile terminal X by it; Be verified execution step C;
The Transaction Information getting is sent to described mobile terminal X by C, described POS terminal, further sends to described POS service platform by it, completes transaction, and receive the transaction results that described POS service platform returns by described mobile terminal X;
Wherein, before described step B, further comprise:
X1, described POS terminal be with the mobile terminal in preset frequency real-time search preset range, and after often searching a mobile terminal X, execution step X2;
If X2 mobile terminal X in scheduled duration can successfully establish a communications link with described POS terminal, stop search, and perform step B, otherwise, search for next mobile terminal X, and repeated execution of steps X2;
The method further comprises:
If described POS terminal does not receive the result after described card image is sent to described mobile terminal X in scheduled duration, disconnect the communication connection between described mobile terminal X, and repeated execution of steps X1.
2. method according to claim 1, is characterized in that, the method further comprises:
If described POS terminal does not receive transaction results after described Transaction Information is sent to described mobile terminal X in scheduled duration, disconnect the communication connection between described mobile terminal X, and repeated execution of steps X1.
3. method according to claim 1 and 2, is characterized in that, the method further comprises:
Described POS service platform sends to described transaction results the holder of described transaction card with the form of note or multimedia message.
4. a transaction system, is characterized in that, comprising: point of sale POS terminal, POS service platform and set up the mobile terminal X of communication connection with described POS terminal;
Described POS terminal, for reading the card image of transaction card, sends to described mobile terminal X, further sends to described POS service platform, and receive the result that described POS service platform returns by described mobile terminal X by it; Be verified, the Transaction Information getting is sent to described mobile terminal X, further send to described POS service platform by it, complete transaction, and receive the transaction results that described POS service platform returns by described mobile terminal X;
Described mobile terminal X, for the card image that is received from described POS terminal being sent to described POS service platform, and returns to described POS terminal by the result that is received from described POS service platform; The Transaction Information that is received from described POS terminal is sent to described POS service platform, and the transaction results that is received from described POS service platform is returned to described POS terminal;
Described POS service platform, for according to the card image that is received from described mobile terminal X, the legitimacy of described transaction card being verified, and returns to described mobile terminal X by the result; Complete transaction according to the Transaction Information that is received from described mobile terminal X, and return to transaction results to described mobile terminal X;
Wherein, described POS terminal is further used for, before described card image is sent to described mobile terminal X, carry out the first predetermined process, described the first predetermined process comprises: with the mobile terminal in preset frequency real-time search preset range, and after often searching a mobile terminal X, carry out the second predetermined process; Described the second predetermined process comprises: if determine that mobile terminal X can successfully establish a communications link with self in scheduled duration, stops search, otherwise, search for next mobile terminal X, and repeat described the second predetermined process;
Described POS terminal is further used for, and after described card image is sent to described mobile terminal X, if do not receive the result in scheduled duration, disconnects the communication connection between described mobile terminal X, and repeats described the first predetermined process.
5. a point of sale POS terminal, is characterized in that, comprising: the first processing unit and the second processing unit;
Described the first processing unit, for reading the card image of transaction card, sends to described the second processing unit;
Described the second processing unit, for described card image being sent to the mobile terminal X that has set up communication connection with described POS terminal, further send to POS service platform by it, and receive the result that described POS service platform returns by described mobile terminal X; Be verified, obtain Transaction Information, send to described mobile terminal X, further send to described POS service platform by it, complete transaction, and receive the transaction results that described POS service platform returns by described mobile terminal X;
Wherein, described POS terminal further comprises:
The first integrated chip, for reading after described card image when definite described the first processing unit, with the mobile terminal in preset frequency real-time search preset range, after often searching a mobile terminal X, if determine that mobile terminal X can successfully establish a communications link with self in scheduled duration, stop search, and notify described the second processing unit to carry out self function, otherwise, search for next mobile terminal X, the like;
Described the second processing unit carries out information interaction by described the first integrated chip and described mobile terminal X;
Described the second processing unit is further used for, if after described card image is sent to described mobile terminal X, in scheduled duration, do not receive the result, disconnect the communication connection between described mobile terminal X, and notify described the first integrated chip to repeat self function.
6. POS terminal according to claim 5, it is characterized in that, described the second processing unit is further used for, if after described Transaction Information is sent to described mobile terminal X, in scheduled duration, do not receive transaction results, disconnect the communication connection between described mobile terminal X, and notify described the first integrated chip to repeat self function.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201010501256.2A CN102446321B (en) | 2010-09-30 | 2010-09-30 | Trading method and system as well as POS (Point of Sale) terminal and mobile terminal |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201010501256.2A CN102446321B (en) | 2010-09-30 | 2010-09-30 | Trading method and system as well as POS (Point of Sale) terminal and mobile terminal |
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| Publication Number | Publication Date |
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| CN102446321A CN102446321A (en) | 2012-05-09 |
| CN102446321B true CN102446321B (en) | 2014-08-06 |
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| CN201010501256.2A Expired - Fee Related CN102446321B (en) | 2010-09-30 | 2010-09-30 | Trading method and system as well as POS (Point of Sale) terminal and mobile terminal |
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Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104899731B (en) * | 2015-03-19 | 2018-12-11 | 腾讯科技（深圳）有限公司 | The transmission method of mobile payment data, device and system |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101567106A (en) * | 2008-04-24 | 2009-10-28 | 北京爱奥时代信息科技有限公司 | Method and system for payment of Bluetooth cellular phone-POS machine |
| CN101800639A (en) * | 2009-02-09 | 2010-08-11 | 华为终端有限公司 | Method, system and device for realizing ebanking services |
| CN101841809A (en) * | 2010-03-31 | 2010-09-22 | 候万春 | Mobile phone terminal supporting simulated POS transactions and system |
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2010
- 2010-09-30 CN CN201010501256.2A patent/CN102446321B/en not_active Expired - Fee Related
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101567106A (en) * | 2008-04-24 | 2009-10-28 | 北京爱奥时代信息科技有限公司 | Method and system for payment of Bluetooth cellular phone-POS machine |
| CN101800639A (en) * | 2009-02-09 | 2010-08-11 | 华为终端有限公司 | Method, system and device for realizing ebanking services |
| CN101841809A (en) * | 2010-03-31 | 2010-09-22 | 候万春 | Mobile phone terminal supporting simulated POS transactions and system |
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| CN102446321A (en) | 2012-05-09 |
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