Payment terminal and method of payment thereof that secure payment and mobile payment can break and make up
Technical field
The present invention relates to financial payment terminal machine technology field, relate in particular to payment terminal and method of payment thereof that a kind of secure payment and mobile payment can break and make up.
Background technology
The Payment Card paying of swiping the card waits the non-cash transaction payment to become the most convenient at present, payment transaction mode efficiently; The basis of paying payment transaction is to guarantee the safety of concluding the business and Payment Card is swiped the card; For the safety that guarantees to conclude the business; Set up the payment card industry safety standard in the world, payment card industry (PCI:Payment Card Industry) data security standard (DSS:Data Security Standard) is the Payment Card safety standard of current specialty the most and extensive approval and the use that has obtained industry.The payment card industry safety standard council provides global, the open industry standard mechanism of payment card industry data security standard (PCI DSS), PCI PIN sign indicating number input equipment (PED) safety requirements and payment program data security standard (PA-DSS) management; Its equipment of being responsible for using when paying to swiping the card, software etc. carry out safety certification; With the swipe the card safety of payment transaction of raising; The traction equipment of the paying apparatus manufacturers produce of swiping the card all will pass through the safety certification of payment card industry safety standard and could use; The safety certification of payment card industry safety standard is strict, formality is complicated, expensive, authentication period are long; And if financial POS machine, mobile payment terminal have the change in design of carrying out; It must carry out authentication again, even only be that the outward appearance that wherein do not relate to financial transaction, phone module, print module etc. are done change in design, also need carry out authentication again to complete machine.
Except Payment Card swipe the card pay; In recent years it is more and more universal that mobile payment also becomes; Along with Payment Card is swiped the card and is paid and the continuous development of mobile payment service; More and more need have the financial transaction terminal of swipe the card paying and mobile payment function on the market concurrently; But exist at present the more financial POS machine that only has function of swiping card and some only to have a mobile payment terminal of mobile phone mobile payment function on the market owing to receive the restriction of payment card industry safety standard safety certification, products such as financial POS machine, mobile payment terminal design and develop that difficulty is big, the cycle is long; Cost of development is very high; Prior art can not be transformed into that possessing simultaneously swipes the card and pay the financial transaction terminal with mobile payment function with the existing financial POS machine of user and mobile payment terminal staging, and the user must buy the financial transaction terminal that possesses paying of swiping the card and mobile payment function new the time again and just can meet the demands, and will increase cost greatly.
Summary of the invention
The object of the invention provides a kind ofly possesses payment of swiping the card and mobile payment function, and the payment of swiping the card can both be separately and the secure payment of existing financial POS machine or the use of existing mobile payment terminal combinations and payment terminal and the method for payment thereof that mobile payment can break and make up with mobile payment function.
The present invention adopts following scheme to realize: the payment terminal that secure payment and mobile payment can break and make up; It comprises two the secure payment module and the mobile payment modules that link to each other after the individual packages separately again; Said secure payment module comprises the keyboard relevant with secure payment, display screen, magnetic card reader, IC-card read write line and printed circuit board (PCB); Said mobile payment module comprises the keyboard relevant with mobile payment, main display, contactless IC card read/write device, wireless communication module, print module, phone module and printed circuit board (PCB); This wireless communication module is the main control module in the mobile payment module; Be provided with interconnective identification communication module in said secure payment module and the mobile payment module; Be provided with the circuit that identification connects existing mobile payment terminal in the identification communication module of said secure payment module, be provided with the circuit that identification connects financial POS machine in the identification communication module of said mobile payment module.
Identification communication module in said secure payment module and the mobile payment module comprises TTL or RS-232 or USB communicating circuit.
Identification communication module in said secure payment module and the mobile payment module comprises the short-distance wireless communication module.
The communication frequency of said short-distance wireless communication module is a kind of among 315MHz, 433MHz, 868MHz, 915MHz or the 2.4GHz.
IC-card read write line in the said secure payment module is arranged on the printed circuit board (PCB) with the identification communication module, and printed circuit board (PCB) links to each other with keyboard, display screen, magnetic card reader again.
Contactless IC card read/write device, wireless communication module and communication module in the said mobile payment module is arranged on the printed circuit board (PCB).
Also be provided with in the said mobile payment module supply the client check information from display screen.
Can the break method of payment of payment terminal of combination of said secure payment and mobile payment, it comprises the steps:
When needs are swiped the card paying; Said method of payment comprises: step 01: the secure payment module is linked to each other with mobile payment module or existing mobile payment terminal; Swipe the card on magnetic card reader in the secure payment module or the IC-card read write line; Card using information is presented on the display screen in the secure payment module, selects on the keyboard of secure payment module, to input Transaction Information, password and affirmation behind the trading item on the display screen; Step 02: the secure payment module is connected the Transaction Information that transmits encryption with mobile payment module or existing mobile payment terminal called; Mobile payment module or existing mobile payment terminal send to transaction bank backstage through the Transaction Information of the encryption that wireless communication module will be received; Receive the transaction data that the bank backstage is returned then, mobile payment module or existing mobile payment terminal are returned Transaction Information to the secure payment module again and are shown; Step 03: mobile payment module or existing mobile payment terminal show, print transaction information, accomplish transaction;
When on-line transaction is carried out in the needs mobile payment; Said method of payment comprises: step 01: the mobile payment module is linked to each other with secure payment module or financial POS machine; On the contactless IC card read/write device of mobile payment module, read mobile payment card; Option dealing project in the mobile payment module, the mobile payment module is sent information to secure payment module or financial POS machine, on the keyboard of secure payment module or financial POS machine, inputs Transaction Information, password and affirmation then; Step 02: secure payment module or financial POS machine are with the Transaction Information passback mobile payment module of encrypting; The mobile payment module will receive that through wireless communication module the Transaction Information of encryption sends to transaction bank backstage; Receive the transaction data that the bank backstage is returned then, the mobile payment module again Transaction Information is returned the secure payment module or financial POS machine shows; Step 03: the mobile payment module shows, print transaction information, accomplishes transaction;
When the needs mobile payment is carried out off line when withholing, said method of payment only needs on the contactless IC card read/write device of mobile payment module, read mobile payment card, the Transaction Information of mobile payment be presented in the mobile payment module main display and from display screen.
The invention has the beneficial effects as follows: adopt said structure; Secure payment function in the payment terminal and mobile payment function are made two independent structures; Have only the secure payment module to relate to payment card transaction, the safety certification of its card industrial security standard of need paying, and the mobile payment module does not need safety certification; Can reduce certification cost, and the change of mobile payment module is also more easy; Secure payment module in the payment terminal of the present invention and mobile payment module not only can be used in online together combination; And the secure payment module also can be separately and the online combination in the existing existing mobile payment of user terminal use; The mobile payment module also can be separately and the online combination of the existing financial POS machine of user use; Can for the user payment terminal that possesses secure payment and mobile payment be provided easily; Can make full use of existing financial POS machine of user or existing mobile payment terminal, make the user spend lower cost just can expand the function at financial POS machine or mobile payment terminal.
Description of drawings
Now in conjunction with the accompanying drawings the present invention is done further elaboration:
Fig. 1 is can the break structural representation of payment terminal of combination of secure payment of the present invention and mobile payment;
Fig. 2 is a secure payment module of the present invention and the synoptic diagram that is connected at existing mobile payment terminal;
Fig. 3 is a mobile payment module of the present invention and the synoptic diagram that is connected of financial POS machine.
Embodiment
Extremely shown in Figure 3 like Fig. 1; The present invention includes two secure payment modules that link to each other again after the individual packages separately 1 and mobile payment module 2; Said secure payment module 1 comprises the keyboard relevant with secure payment 11, display screen 12, magnetic card reader 13, IC-card read write line 14 and printed circuit board (PCB) 15; Said mobile payment module 2 comprises the keyboard relevant with mobile payment 21, main display 22, contactless IC card read/write device 23, wireless communication module 24, print module 25, phone module 26 and printed circuit board (PCB) 27; This wireless communication module 24 is the main control module in the mobile payment module 2; Be provided with interconnective identification communication module 16 and 28 in said secure payment module 1 and the mobile payment module 2; Be provided with the circuit 161 that identification connects existing mobile payment terminal 3 in the identification communication module 16 of said secure payment module 1, be provided with the circuit 281 that identification connects financial POS machine 4 in the identification communication module 28 of said mobile payment module 2.
Identification communication module 16,28 in said secure payment module 1 and the mobile payment module 2 comprises TTL or RS-232 or USB communicating circuit.
Identification communication module 16,28 in said secure payment module 1 and the mobile payment module 2 comprises the short-distance wireless communication module.
The communication frequency of said short-distance wireless communication module is a kind of among 315MHz, 433MHz, 868MHz, 915MHz or the 2.4GHz, promptly adopts GSM or 3G wireless communication module.
IC-card read write line 14 in the said secure payment module 1 is arranged on the printed circuit board (PCB) 15 with identification communication module 16, and printed circuit board (PCB) 17 links to each other with keyboard 11, display screen 12, magnetic card reader 13 again.
Contactless IC card read/write device 23 in the said mobile payment module 2, wireless communication module 24 and communication module 28 are arranged on the printed circuit board (PCB) 27.
Also be provided with in the said mobile payment module 2 supply the client check information from display screen 29.
Can the break method of payment of payment terminal of combination of said secure payment and mobile payment, it comprises the steps:
When needs are swiped the card paying; Said method of payment comprises: step 01: secure payment module 1 is linked to each other with mobile payment module 2 or existing mobile payment terminal 3; Swipe the card on magnetic card reader 13 in secure payment module 1 or the IC-card read write line 14; Card using information is presented on the display screen 12 in the secure payment module 1, selects on the keyboard 11 of secure payment module 1, to input Transaction Information, password and affirmation behind the trading item on the display screen 12; Step 02: secure payment module 1 is connected the Transaction Information that transmits encryption with mobile payment module 2 or 3 communications of existing mobile payment terminal; Mobile payment module 2 or existing mobile payment terminal 3 send to transaction bank backstage through the Transaction Information of the encryption that wireless communication module will be received; Receive the transaction data that the bank backstage is returned then, mobile payment module 2 or existing mobile payment terminal 3 are returned Transaction Information to secure payment module 1 again and are shown; Step 03: mobile payment module 2 or existing mobile payment terminal 3 show, print transaction information, accomplish transaction;
When on-line transaction is carried out in the needs mobile payment; Said method of payment comprises: step 01: mobile payment module 2 is linked to each other with secure payment module 1 or financial POS machine 4; On the contactless IC card read/write device 23 of mobile payment module 2, read mobile payment card; Option dealing project in mobile payment module 2, mobile payment module 2 are inputed Transaction Information, password and affirmation then to secure payment module 1 or financial POS machine 4 transmission information on the keyboard of secure payment module 1 or financial POS machine 4; Step 02: secure payment module 1 or financial POS machine 4 are with the Transaction Information passback mobile payment module 2 of encrypting; Mobile payment module 2 will receive that through wireless communication module the Transaction Information of encryption sends to transaction bank backstage; Receive the transaction data that the bank backstage is returned then, mobile payment module 2 again Transaction Information is returned secure payment module 1 or financial POS machine 4 shows; Step 03: mobile payment module 2 shows, print transaction information, accomplishes transaction;
When the needs mobile payment is carried out off line when withholing; Said method of payment only needs on the contactless IC card read/write device 23 of mobile payment module 2, to read mobile payment card, the Transaction Information of mobile payment be presented in the mobile payment module 2 main display 22 and from display screen 29.
Secure payment module 1 can be designed to the Telephone handset pattern, and mobile payment module 2 can be designed to telephone set base model machine, is convenient to be designed to the graceful unitized construction of outward appearance.