CN103020823B - A kind of bank card paying system based on market trace platform and payment and settlement method - Google Patents
A kind of bank card paying system based on market trace platform and payment and settlement method Download PDFInfo
- Publication number
- CN103020823B CN103020823B CN201210527102.XA CN201210527102A CN103020823B CN 103020823 B CN103020823 B CN 103020823B CN 201210527102 A CN201210527102 A CN 201210527102A CN 103020823 B CN103020823 B CN 103020823B
- Authority
- CN
- China
- Prior art keywords
- card
- information
- financial
- bank
- market
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of bank card paying system based on market trace platform and payment and settlement method, described system comprises and outreaches unit, transactional services unit, security strategy deployment unit, electronic scales information acquisition unit and tracing information service unit, outreach unit to be connected with transactional services unit by banking system, transactional services unit is connected with tracing information service unit by security strategy deployment unit A.Described payment and settlement method comprise swipe the card, the step such as trace platform and bank exchange payment information, the legitimacy of bank validation card and authenticity, card card are transferred accounts.The present invention is on the basis of market trace platform, introduce the financial IC card comprising tracing information and the electronic scales supporting to read this card thereof, market trace platform and banking system seamless link are got up, achieve the safe and reliable payment and settlement of financial rank, greatly simplify and facilitate the payment funding of shop and market both parties.
Description
Technical field
The present invention relates to a kind of bank card paying system, particularly relate to a kind of bank card paying system based on market trace platform and the payment and settlement method of supporting many application IC-cards.
Background technology
The generation of traceability system results from the fear that Britain's rabid ox disease in 1996 causes; the salmonella-polluted event of pork of another two food safety affairs---Denmark and Scotland Escherichia coli event (causing 21 people's death) also make European Union consumer lack confidence to government food safety supervision, but these food security crises also promote the foundation of traceability system simultaneously.For this reason, first livestock products traceability system produces and sets up within the scope of European Union.The information that institute's consumer food is more detailed can be provided for consumer by tracing management by food.Can foretell, " can review " changes the certainty that management is future development, and it promotes the potential motive of agricultural trade development by becoming.
China started foundation after 2000 can tracing management system, and using ensuring food safety as the emphasis reviewing system implementation supervision.2002, the Ministry of Agriculture issued " animal immune identity management way ", and regulation pig, ox, sheep must wear immune ear tag, set up immune file management system; 2003, State General Administration for Quality Supervision implemented " Chinese bar code forward engineer "; 2006, implement " agricultural product quality and safety method ", thereafter Department of Commerce promulgates The Measures for the Administration of Food Safety in the Circulation Sector, regulation wholesale market of agricultural products and agricultural product supply base link up with system, voucher solicitation rope ticket system of check and acceptance by setting up place (factory), and purchase and sale ledger system etc., starting tentatively to set up food security and can review system, for investigating and prosecuting food-safety problem from source in time, providing institutional guarantee.
In fact traceability system is exactly adopt informationalized means, realizes the electronization of voucher solicitation rope ticket, purchase and sale ledger system, adds the responsibility control that strong convection leads to node and management body, carry out electronic accounting in wholesale market, ensures the integrality of reviewing flow process.At present, medicine, food and agricultural product are as direct relation people's life safety, healthy three major types product, and the application development of its quality safety traceability system is very fast, achieves good social effect.
Although the application of traceability system achieves certain progress, in general, be also in the state of development of doing things in his own way, disperse at present, particularly lack participating in directly of bank finance mechanism, constrain three stream unifications of logistics, information flow and cash flow.Because one-level wholesale market is larger, user is numerous, and commodity transaction amount is large, and Capital Flow is frequent and trading volume is very large too, participates in the urgent need to bank finance mechanism, for users provide convenience, capital settlement service efficiently.But existing wholesale market does not have to realize with commercial bank intercommunication of networking substantially, even if some market is provided with the bank card terminal equipment of bank finance mechanism, but user must hold two even multiple IC-cards just can complete payment and settlement, review card for one, for marketing information tracing, another is bank card, for capital settlement, although user can turn money on the spot like this, but review due to market and do not combine with market clearing, user needs just can to complete market through two stages and reviews and settle accounts, and brings very big inconvenience to user.Moreover, belong to market management owing to reviewing card, bank card belongs to bank management, is so also unfavorable for very much unified management, and due to participant many, be easy to be utilized by opportunist, tracing information may not truly and accurately.Therefore, best bet is exactly be integrated into by the card of two kinds of functions on a card, and existing for wholesale market trace platform is docked with banking system, utilize one to be integrated with market and review the IC-card with payment function, realize market quickly and easily to review and payment and settlement, so, the safety problem of payment and settlement just becomes problem demanding prompt solution.
Summary of the invention
First object of the present invention is to provide a kind of financial IC card comprising market tracing information, this card is based on " China's finance integrated circuit (IC) calliper model " i.e. PBOC2.0 standard, adopt high strength asymmetric encryption techniques, the safety guarantee of financial level is provided for realizing payment transaction in market trace platform.
Second object of the present invention is to provide the electronic scales that a kind of reading comprises the financial IC card of market tracing information, this electronic scales is except having the basic function of conventional electrical scale, also match with described financial IC card, legitimate verification is carried out to described financial IC card, read the information of financial IC card and be decrypted and identify, the safety guarantee of financial level is provided for realizing payment transaction in market trace platform.
3rd object of the present invention is to provide a kind of bank payment system based on market trace platform, this system realizes and the seamless link of banking system and comprehensive integration, ensures information transmission unimpeded, safe between market trace platform and banking system and exchange.
4th object of the present invention is to provide a kind of bank card payment and settlement method based on market trace platform, this payment and settlement method uses 5 markets to review password, the user profile of financial IC card, card number information and binding card number, the authenticity verifying holder and the legitimacy held, guarantee the safety of payment transaction.
Above-mentioned purpose of the present invention is achieved through the following technical solutions: a kind of financial IC card comprising market tracing information, " China's finance integrated circuit (IC) calliper model " i.e. PBOC2.0 standard that this financial IC card meets, it comprises financial subregion, it also comprises an expanded application subregion, and described expanded application subregion is for recording marketing users information.
Expanded application subregion described in this financial IC card comprises user basic information district and customer transaction block of information, and described customer transaction block of information comprises transaction essential information block and transaction details message block.
Described user basic information district at least comprises subscriber-coded territory, user's name territory, industrial and commercial registration registration card number territory or identification card number territory, user's character territory, user type territory and telephone number territory.
Described transaction essential information block at least comprises owner of cargo's encoding domain, owner of cargo's title-domain, buyer's encoding domain, buyer's title-domain and transaction voucher territory;
Described transaction details message block at least comprises commodity code territory, trade name territory, weight territory, unit price territory and object region.
The using method of this financial IC card is: bank only reads the information of this card finance subregion, market trace platform reads card number and the expanded application partition information of financial subregion simultaneously, expanded application partition information is reported higher level's market trace platform, and the expanded application partition information after arranging is transferred to cooperative bank together with financial subregion card number, cooperative bank accordingly information completes payment and settlement.
A kind of reading comprises the electronic scales of the financial IC card of market tracing information, it comprises a governor circuit, PSAM module, weighing and sensing module, communication interface circuit and close to aware circuit, PSAM module, weighing and sensing module, communication interface circuit are connected with governor circuit with close to aware circuit, and communication interface circuit is also connected with host computer.
This electronic scales also comprises a display driver circuit, and one end of display driver circuit is connected with governor circuit, and the other end is connected with display.
This electronic scales also comprises a keyboard interface circuit, and one end of keyboard interface circuit is connected with governor circuit, and the other end is connected with keyboard.
Communication interface circuit described in this electronic scales is RS232 serial interface circuit.
Communication interface circuit described in this electronic scales is usb circuit.
Communication interface circuit described in this electronic scales is wireless communication interface circuit.
Wireless communication interface described in this electronic scales comprises bluetooth, RFID, WIFI, Zigbee or UltraWideband and UWB interface.
Described in this electronic scales is that contact is close to aware circuit close to aware circuit.
Described in this electronic scales is contactless close to aware circuit close to aware circuit.
Governor circuit described in this electronic scales is microprocessor CPU or single-chip microcomputer.
A kind of bank card paying system based on market trace platform, it comprises electronic scales information acquisition unit, security strategy deployment unit B, tracing information service unit and security strategy deployment unit C, it also comprises and outreaches unit, transactional services unit and security strategy deployment unit A, outreach unit banking system is connected with transactional services unit, transactional services unit is connected with tracing information service unit by security strategy deployment unit A, tracing information service unit is connected with electronic scales information acquisition unit by security strategy deployment unit B, tracing information service unit is connected with higher level's market trace platform by security strategy deployment unit C, the described unit that outreaches at least comprises two and outreaches router, and one is active router, and another is standby router, and two routers access the circuit of different operators respectively, main line access active router, standby line access standby router, described transactional services unit at least comprises active and standby trading server, active and standby database server and a high-capacity storage, and active and standby trading server and active and standby database server are used for carrying out payment transaction and data backup with banking system, described security strategy deployment unit A at least comprises two fire walls, for logical division and the security control of transactional services unit and tracing information service unit, described tracing information service unit at least comprises an intruding detection system and two traceability system servers, reviews server superior trace platform and provides tracing information, and intruding detection system provides record to abnormal access and audit, described security strategy deployment unit B at least comprises a fire wall, for logical division and the security control of tracing information service unit and electronic scales information acquisition unit, described electronic scales information acquisition unit comprises at least one electronic scales, a safety auditing system and two communication front servers, safety auditing system is responsible for the safety certification to electronic scales, and communication front server is responsible for analyzing the information of electronic scales collection, process and forwarding, described security strategy deployment unit C at least comprises a fire wall, for the logical division between tracing information service unit and higher level's trace platform and security control.
Based on a bank card payment and settlement method for market trace platform, it comprises the following steps:
S101: user calculates dealing money automatically by electronic scales;
S102: user's brush financial IC card, and review password by prompting input;
S103: electronic scales reads financial IC card, call PSAM module to decrypts information, obtain tracing information and bank card number, described tracing information comprises user basic information and customer transaction information, and tracing information and bank card number are transferred to banking system;
S104: banking system, according to the binding relationship set up when opening card, finds out the card number of this user binding;
S105: the bank card number received and binding card number contrast by banking system, if inconsistent, return error message, and by bank short message platform, dynamic account notice is sent on dealing user mobile phone;
S106: if card number contrast is consistent, then whether correctly checking reviews password, as reviewed password bad, returning to re-enter and reviewing encrypted message;
S107: review password correct, trace platform electronic accounting module submits card card transfer request to banking system;
S108: banking system completes and snaps into card and to transfer accounts process;
S109: banking system returns transfer result to trace platform electronic accounting module, and by bank short message platform, dynamic account notice is sent on dealing user mobile phone;
S110: transfer result shows by trace platform electronic accounting module on electronic scales.
In this method, what return to trace platform electronic accounting module when banking system is when transferring accounts failure information, and trace platform electronic accounting module will send transfer request again, and request number of times is no more than 2 times.
This method also comprises a financial IC card batch and opens card step:
S201: user profile data file is passed to bank by wholesale market;
S202: bank card center is according to the expanded application subregion write user basic information of user profile data file at financial IC card;
S203: bank card center is in the financial subregion write bank card number information of financial IC card;
S204: financial IC card is sent out to site in bank card center;
S205: site is carried out card and to be opened an account process, and the financial subregion of financial IC card and the information of expanded application subregion are set up relation one to one;
S206: user arranges the financial subregion password of financial IC card and reviews password in site;
S207: open card success.
This method also comprises one and onlinely opens card step:
S301: bank card center is in the financial subregion write bank card number information of financial IC card;
S302: financial IC card is sent out to site in bank card center;
S303: user brings identity information to handle out card business to site;
S304: site is according to the expanded application subregion typing user basic information of the identity information of user at financial IC card;
S305: site is carried out card and to be opened an account process, and the financial subregion of financial IC card and the information of expanded application subregion are set up relation one to one;
S306: user arranges the financial subregion password of financial IC card and reviews password in site;
S307: open card success.
This method also comprise one newly-built or reset and review the step of password:
S401: user brings I.D. and financial IC card to carry out reviewing the newly-built of password or resetting to appointed bank's site sales counter;
S402: the identity information of bank to user confirms, comprises the confirmation of ID (identity number) card information and user profile;
S403: bank confirms can be newly-built or reset when reviewing password, asks user to input 5 and review password, otherwise the newly-built or replacement business of password will not be handled;
S404: terminate.
This method also comprises the step that generates reconciliation file, the every light terminal hour of bank generates transaction details file, and on deliver to report server, bank outlets can stating clearly thin file carries out reconciliation all over the world second, after detailed file generated success, adopt script carry out the cleaning of data and back up, background data base can retain data in January.
This method also comprises the step that queries the balance:
S501: user is brush financial IC card on electronic scales, and review password by prompting input;
S502: electronic scales reads financial IC card, call PSAM module to decrypts information, obtain tracing information and bank card number, described tracing information comprises user basic information and customer transaction information, and tracing information and bank card number are transferred to banking system;
S503: banking system, according to the binding relationship set up when opening card, finds out the card number of this user binding;
S504: the bank card number received and binding card number contrast by banking system, if inconsistent, return error message;
S505: if card number contrast is consistent, whether password is reviewed in checking correct, reviews password bad, returns to re-enter and review encrypted message;
S506: review password correct, trace platform electronic accounting module submits inquiry into balance request to banking system;
S507: the tracing information that banking system provides according to market and bank card number carry out inquiry into balance process;
S508: banking system returns account balance to trace platform electronic accounting module;
S509: trace platform electronic accounting module returns account balance to electronic scales;
S510: electronic scales shows account balance on a display screen.
The invention has the beneficial effects as follows:
(1) financial IC card of the present invention can realize reviewing merchandise news, can realize transfer of financial resources again, for user brings great convenience;
(2) electronic scales of the present invention is except completing the basic function of conventional electrical scale, also legitimate verification is carried out to described financial IC card, reading the information of financial IC card and carry out decryption processing, providing the safety guarantee of Financial information safety more than three grades for realizing payment transaction in market trace platform;
(3) bank payment system based on market trace platform of the present invention achieves and the seamless link of banking system and comprehensive integration, has ensured information transmission unimpeded, safe between market trace platform and banking system and exchange;
(4) the bank card payment and settlement method based on market trace platform of the present invention, 5, market is used to review password, the user profile of financial IC card, card number information and binding card number, authenticity and the legitimacy held of comprehensive authentication of users, ensure that the safety of payment transaction;
(5) because bank card adopts system of real name to apply, thus achieve system of real name as bank in market trace platform, ensured authenticity and the validity of market trace platform each side participant information, avoid the possibility utilized by lawless person;
(6) the present invention does not use bank card password in payment and settlement process, can guarantee that user's bank card password information is not revealed, can reach the safety guarantee of Financial information safety more than three grades;
(7) financial IC card review password and bank card password is arranged to different secret, reviewing password is 5, and bank card password is 6, more has to be used in ensure the safety of user account, even if financial IC card is lost, also not easily causes damage to user;
(8) traceability system and payment and settlement system combine by the present invention, achieve information flow, logistics and cash flow three and flow unification, be conducive to relevant functional department and grasp comprehensively merchandise news, price information and Capital Flow and regulate and control.
Accompanying drawing explanation
Fig. 1 is the data store organisation schematic diagram of financial IC card of the present invention;
Fig. 2 is the circuit composition frame chart of electronic scales of the present invention;
Fig. 3 is the connection layout of contact close to aware circuit and governor circuit of electronic scales of the present invention;
Fig. 4 is the contactless connection block diagram close to aware circuit and governor circuit of electronic scales of the present invention;
Fig. 5 is the block diagram of system of the present invention;
Fig. 6 is system topology block diagram of the present invention;
Fig. 7 is the process flow diagram of payment and settlement method of the present invention;
Fig. 8 is the process flow diagram that in the present invention, batch opens card;
Fig. 9 is the online process flow diagram opening card in the present invention;
Figure 10 is the process flow diagram of inquiry into balance in the present invention.
Embodiment
Below in conjunction with accompanying drawing, technical scheme of the present invention is described in further detail, but protection scope of the present invention is not limited to the following stated.
A kind of financial IC card comprising market tracing information, " China's finance integrated circuit (IC) calliper model " i.e. PBOC2.0 standard that this financial IC card meets, it comprises financial subregion, and it also comprises an expanded application subregion, and described expanded application subregion is for recording marketing users information.
Expanded application subregion described in this financial IC card comprises user basic information district and customer transaction block of information, and described customer transaction block of information comprises transaction essential information block and transaction details message block.
Described user basic information district at least comprises subscriber-coded territory, user's name territory, industrial and commercial registration registration card number territory or identification card number territory, user's character territory, user type territory and telephone number territory.
Described transaction essential information block at least comprises owner of cargo's encoding domain, owner of cargo's title-domain, buyer's encoding domain, buyer's title-domain and transaction voucher territory.
Described transaction details message block at least comprises commodity code territory, trade name territory, weight territory, unit price territory and object region.
The data store organisation of this financial IC card as shown in Figure 1.
The using method of this financial IC card is: bank only reads the information of this card finance subregion, market trace platform reads card number and the expanded application partition information of financial subregion simultaneously, expanded application partition information is reported higher level's market trace platform, and the expanded application partition information after arranging is transferred to cooperative bank together with financial subregion card number, cooperative bank accordingly information completes payment and settlement.
A kind of reading comprises the electronic scales of the financial IC card of market tracing information, as shown in Figure 2, it comprises a governor circuit, PSAM module, weighing and sensing module, communication interface circuit and close to aware circuit, PSAM module, weighing and sensing module, communication interface circuit are connected with governor circuit with close to aware circuit, and communication interface circuit is also connected with host computer.
This electronic scales also comprises a display driver circuit, and one end of display driver circuit is connected with governor circuit, and the other end is connected with display.
This electronic scales also comprises a keyboard interface circuit, and one end of keyboard interface circuit is connected with governor circuit, and the other end is connected with keyboard.
Communication interface circuit described in this electronic scales is RS232 serial interface circuit.
Communication interface circuit described in this electronic scales is usb circuit.
Communication interface circuit described in this electronic scales is wireless communication interface circuit.
Wireless communication interface described in this electronic scales comprises bluetooth, RFID, WIFI, Zigbee or UltraWideband and UWB interface.
As shown in Figure 3, described in this electronic scales close to aware circuit can be contact close to aware circuit, use financial IC card time, P1, P2, P3, P4 pin of financial IC card is connected with governor circuit by resistance.
As shown in Figure 4, described in this electronic scales can be contactless close to aware circuit close to aware circuit, contactlessly comprises antenna and aerial coupling circuit close to aware circuit, and antenna is connected with aerial coupling circuit, and aerial coupling circuit is connected with governor circuit.
Governor circuit described in this electronic scales is microprocessor CPU or single-chip microcomputer.
As Fig. 5, shown in Fig. 6, a kind of bank card paying system based on market trace platform, it comprises electronic scales information acquisition unit, security strategy deployment unit B, tracing information service unit and security strategy deployment unit C, it also comprises and outreaches unit, transactional services unit and security strategy deployment unit A, outreach unit banking system is connected with transactional services unit, transactional services unit is connected with tracing information service unit by security strategy deployment unit A, tracing information service unit is connected with electronic scales information acquisition unit by security strategy deployment unit B, tracing information service unit is connected with higher level's market trace platform by security strategy deployment unit C, the described unit that outreaches at least comprises two and outreaches router, and one is active router, and another is standby router, and two routers access the circuit of different operators respectively, main line access active router, standby line access standby router, described transactional services unit at least comprises active and standby trading server, active and standby database server and a high-capacity storage, and active and standby trading server and active and standby database server are used for carrying out payment transaction and data backup with banking system, described security strategy deployment unit A at least comprises two fire walls, for logical division and the security control of transactional services unit and tracing information service unit, described tracing information service unit at least comprises an intruding detection system and two traceability system servers, reviews server superior trace platform and provides tracing information, and intruding detection system provides record to abnormal access and audit, described security strategy deployment unit B at least comprises a fire wall, for logical division and the security control of tracing information service unit and electronic scales information acquisition unit, described electronic scales information acquisition unit comprises at least one electronic scales, a safety auditing system and two communication front servers, safety auditing system is responsible for the safety certification to electronic scales, and communication front server is responsible for analyzing the information of electronic scales collection, process and forwarding, described security strategy deployment unit C at least comprises a fire wall, for the logical division between tracing information service unit and higher level's trace platform and security control.
As shown in Figure 7, a kind of bank card payment and settlement method based on market trace platform, it comprises the following steps:
S101: user calculates dealing money automatically by electronic scales;
S102: user's brush financial IC card, and review password by prompting input;
S103: electronic scales reads financial IC card, call PSAM module to decrypts information, obtain tracing information and bank card number, described tracing information comprises user basic information and customer transaction information, and tracing information and bank card number are transferred to banking system;
S104: banking system, according to the binding relationship set up when opening card, finds out the card number of this user binding;
S105: the bank card number received and binding card number contrast by banking system, if inconsistent, return error message, and by bank short message platform, dynamic account notice is sent on dealing user mobile phone;
S106: if card number contrast is consistent, then whether correctly checking reviews password, as reviewed password bad, returning to re-enter and reviewing encrypted message;
S107: review password correct, trace platform electronic accounting module submits card card transfer request to banking system;
S108: banking system completes and snaps into card and to transfer accounts process;
S109: banking system returns transfer result to trace platform electronic accounting module, and by bank short message platform, dynamic account notice is sent on dealing user mobile phone;
S110: transfer result shows by trace platform electronic accounting module on electronic scales.
In this method, what return to trace platform electronic accounting module when banking system is when transferring accounts failure information, and trace platform electronic accounting module will send transfer request again, and request number of times is no more than 2 times.
As shown in Figure 8, this method also comprises financial IC card batch and opens card step:
S201: user profile data file is passed to bank by wholesale market;
S202: bank card center is according to the expanded application subregion write user basic information of user profile data file at financial IC card;
S203: bank card center is in the financial subregion write bank card number information of financial IC card;
S204: financial IC card is sent out to site in bank card center;
S205: site is carried out card and to be opened an account process, and the financial subregion of financial IC card and the information of expanded application subregion are set up relation one to one;
S206: user arranges the financial subregion password of financial IC card and reviews password in site;
S207: open card success.
As shown in Figure 9, this method also comprises one and onlinely opens card step:
S301: bank card center is in the financial subregion write bank card number information of financial IC card;
S302: financial IC card is sent out to site in bank card center;
S303: user brings identity information to handle out card business to site;
S304: site is according to the expanded application subregion typing user basic information of the identity information of user at financial IC card;
S305: site is carried out card and to be opened an account process, and the financial subregion of financial IC card and the information of expanded application subregion are set up relation one to one;
S306: user arranges the financial subregion password of financial IC card and reviews password in site;
S307: open card success.
Snap past in journey online opening, bank card center is sending out financial IC card to can send out during site PSAM card female simultaneously, this female PSAM jig has read-write properties, female PSAM cartoon crosses the information being read financial IC card by computer terminal, and to the expanded application subregion typing user basic information of financial IC card, electronic scales has PSAM module, this PSAM module refers to have reads attribute, the information of financial IC card can only be read, can not typing and amendment financial IC card information, by asymmetric manner encryption and decryption between female PSAM card and PSAM module, they have different private keys and identical PKI.
This method also comprise one newly-built or reset and review the step of password:
S401: user brings I.D. and financial IC card to carry out reviewing the newly-built of password or resetting to appointed bank's site sales counter;
S402: the identity information of bank to user confirms, comprises the confirmation of ID (identity number) card information and user profile;
S403: bank confirms can be newly-built or reset when reviewing password, asks user to input 5 and review password, otherwise the newly-built or replacement business of password will not be handled;
S404: terminate.
This method also comprises the step that generates reconciliation file, the every light terminal hour of bank generates transaction details file, and on deliver to report server, bank outlets can stating clearly thin file carries out reconciliation all over the world second, after detailed file generated success, adopt script carry out the cleaning of data and back up, background data base can retain data in January.
As shown in Figure 10, this method also comprises the step that queries the balance:
S501: user is brush financial IC card on electronic scales, and review password by prompting input;
S502: electronic scales reads financial IC card, call PSAM module to decrypts information, obtain tracing information and bank card number, described tracing information comprises user basic information and customer transaction information, and tracing information and bank card number are transferred to banking system;
S503: banking system, according to the binding relationship set up when opening card, finds out the card number of this user binding;
S504: the bank card number received and binding card number contrast by banking system, if inconsistent, return error message;
S505: if card number contrast is consistent, whether password is reviewed in checking correct, reviews password bad, returns to re-enter and review encrypted message;
S506: review password correct, trace platform electronic accounting module submits inquiry into balance request to banking system;
S507: the tracing information that banking system provides according to market and bank card number carry out inquiry into balance process;
S508: banking system returns account balance to trace platform electronic accounting module;
S509: trace platform electronic accounting module returns account balance to electronic scales;
S510: electronic scales shows account balance on a display screen.
Wholesale market and bank adopt that TCP/IP is short to be connected as basic communication modes, and communication packet adopts pure character stream message, and password and message adopt double layer encryption mode.
Claims (20)
1. the bank card paying system based on market trace platform, it comprises electronic scales information acquisition unit, security strategy deployment unit B, tracing information service unit and security strategy deployment unit C, it is characterized in that: it also comprises and outreaches unit, transactional services unit and security strategy deployment unit A, outreach unit banking system is connected with transactional services unit, transactional services unit is connected with tracing information service unit by security strategy deployment unit A, tracing information service unit is connected with electronic scales information acquisition unit by security strategy deployment unit B, tracing information service unit is connected with higher level's market trace platform by security strategy deployment unit C, the described unit that outreaches at least comprises two and outreaches router, and one is active router, and another is standby router, and two routers access the circuit of different operators respectively, main line access active router, standby line access standby router, described transactional services unit at least comprises active and standby trading server, active and standby database server and a high-capacity storage, and active and standby trading server and active and standby database server are used for carrying out payment transaction and data backup with banking system, described security strategy deployment unit A at least comprises two fire walls, for logical division and the security control of transactional services unit and tracing information service unit, described tracing information service unit at least comprises an intruding detection system and Liang Tai reviews server, reviews server superior trace platform and provides tracing information, and intruding detection system provides record to abnormal access and audit, described security strategy deployment unit B at least comprises a fire wall, for logical division and the security control of tracing information service unit and electronic scales information acquisition unit, described electronic scales information acquisition unit comprises at least one electronic scales, a safety auditing system and two communication front servers, safety auditing system is responsible for the safety certification to electronic scales, and communication front server is responsible for analyzing the information of electronic scales collection, process and forwarding, described security strategy deployment unit C at least comprises a fire wall, for the logical division between tracing information service unit and higher level's trace platform and security control.
2. a kind of bank card paying system based on market trace platform according to claim 1, it is characterized in that: described electronic scales comprises a governor circuit, PSAM module, weighing and sensing module, communication interface circuit and close to aware circuit, PSAM module, weighing and sensing module, communication interface circuit are connected with governor circuit with close to aware circuit, and communication interface circuit is also connected with host computer.
3. a kind of bank card paying system based on market trace platform according to claim 2, is characterized in that: described electronic scales also comprises a display driver circuit, and one end of display driver circuit is connected with governor circuit, and the other end is connected with display.
4. a kind of bank card paying system based on market trace platform according to claim 2, is characterized in that: described electronic scales also comprises a keyboard interface circuit, and one end of keyboard interface circuit is connected with governor circuit, and the other end is connected with keyboard.
5. a kind of bank card paying system based on market trace platform according to claim 2, is characterized in that: described communication interface circuit is RS232 serial interface circuit.
6. a kind of bank card paying system based on market trace platform according to claim 2, is characterized in that: described communication interface circuit is usb circuit.
7. a kind of bank card paying system based on market trace platform according to claim 2, is characterized in that: described communication interface circuit is wireless communication interface circuit.
8. a kind of bank card paying system based on market trace platform according to claim 7, is characterized in that: described wireless communication interface circuit comprises bluetooth, RFID, WIFI, Zigbee or UWB interface circuit.
9. a kind of bank card paying system based on market trace platform according to claim 2, is characterized in that: described is that contact is close to aware circuit close to aware circuit.
10. a kind of bank card paying system based on market trace platform according to claim 2, is characterized in that: described is contactless close to aware circuit close to aware circuit.
11. a kind of bank card paying systems based on market trace platform according to claim 2, is characterized in that: described governor circuit is microprocessor CPU or single-chip microcomputer.
12. a kind of bank card paying systems based on market trace platform according to claim 2, it is characterized in that: described electronic scales comprises the financial IC card of market tracing information for reading, this financial IC card meets " China's finance integrated circuit (IC) calliper model ", it comprises financial subregion, it also comprises an expanded application subregion, and described expanded application subregion is for recording marketing users information; Described expanded application subregion comprises user basic information district and customer transaction block of information, and described customer transaction block of information comprises transaction essential information block and transaction details message block;
Described user basic information district at least comprises subscriber-coded territory, user's name territory, industrial and commercial registration registration card number territory or identification card number territory, user's character territory, user type territory and telephone number territory;
Described transaction essential information block at least comprises owner of cargo's encoding domain, owner of cargo's title-domain, buyer's encoding domain, buyer's title-domain and transaction voucher territory;
Described transaction details message block at least comprises commodity code territory, trade name territory, weight territory, unit price territory and object region.
13. a kind of bank card paying system payment and settlement methods based on market trace platform as described in any one in claim 1-12, is characterized in that: it comprises the following steps:
S101: user calculates dealing money automatically by electronic scales;
S102: user's brush financial IC card, and review password by prompting input;
S103: electronic scales reads financial IC card, call PSAM module to decrypts information, obtain tracing information and bank card number, described tracing information comprises user basic information and customer transaction information, and tracing information and bank card number are transferred to banking system;
S104: banking system, according to the binding relationship set up when opening card, finds out the card number of this user binding;
S105: the bank card number received and binding card number contrast by banking system, if inconsistent, return error message, and by bank short message platform, dynamic account notice is sent on dealing user mobile phone;
S106: if card number contrast is consistent, then whether correctly checking reviews password, as reviewed password bad, returning to re-enter and reviewing encrypted message;
S107: review password correct, trace platform electronic accounting module submits card card transfer request to banking system;
S108: banking system completes and snaps into card and to transfer accounts process;
S109: banking system returns transfer result to trace platform electronic accounting module, and by bank short message platform, dynamic account notice is sent on dealing user mobile phone;
S110: transfer result shows by trace platform electronic accounting module on electronic scales.
14. a kind of bank card paying system payment and settlement methods based on market trace platform according to claim 13, it is characterized in that, the using method of described fiscard is: bank only reads the information of this card finance subregion, market trace platform reads card number and the expanded application partition information of financial subregion simultaneously, expanded application partition information is reported higher level's market trace platform, and the expanded application partition information after arranging is transferred to cooperative bank together with financial subregion card number, cooperative bank accordingly information completes payment and settlement.
15. a kind of bank card paying system payment and settlement methods based on market trace platform according to claim 13, it is characterized in that: what return to trace platform electronic accounting module when banking system is when transferring accounts failure information, trace platform electronic accounting module will send transfer request again, and request number of times is no more than 2 times.
16. a kind of bank card paying system payment and settlement methods based on market trace platform according to claim 13, is characterized in that: it also comprises a financial IC card batch and opens card step:
S201: user profile data file is passed to bank by wholesale market;
S202: bank card center is according to the expanded application subregion typing user basic information of user profile data file at financial IC card;
S203: bank card center is in the financial subregion write bank card number information of financial IC card;
S204: financial IC card is sent out to site in bank card center;
S205: site is carried out card and to be opened an account process, and the financial subregion of financial IC card and the information of expanded application subregion are set up relation one to one;
S206: user arranges the financial subregion password of financial IC card and reviews password in site;
S207: open card success.
17. a kind of bank card paying system payment and settlement methods based on market trace platform according to claim 13, is characterized in that: it also comprises one and onlinely opens card step:
S301: bank card center is in the financial subregion write bank card number information of financial IC card;
S302: financial IC card is sent out to site in bank card center;
S303: user brings identity information to handle out card business to site;
S304: site is according to the expanded application subregion typing user basic information of the identity information of user at financial IC card;
S305: site is carried out card and to be opened an account process, and the financial subregion of financial IC card and the information of expanded application subregion are set up relation one to one;
S306: user arranges the financial subregion password of financial IC card and reviews password in site;
S307: open card success.
18. a kind of bank card paying system payment and settlement methods based on market trace platform according to claim 13, is characterized in that: it also comprise one newly-built or reset and review the step of password:
S401: user brings I.D. and financial IC card to carry out reviewing the newly-built of password or resetting to appointed bank's site sales counter;
S402: the identity information of bank to user confirms, comprises the confirmation of ID (identity number) card information and user profile;
S403: bank confirms can be newly-built or reset when reviewing password, asks user to input 5 and review password, otherwise the newly-built or replacement business of password will not be handled;
S404: terminate.
19. a kind of bank card paying system payment and settlement methods based on market trace platform according to claim 13, it is characterized in that: it also comprises the step that generates reconciliation file, the every light terminal hour of bank generates transaction details file, and on deliver to report server, bank outlets can stating clearly thin file carries out reconciliation all over the world second, after detailed file generated success, adopt script carry out the cleaning of data and back up, background data base can retain data in January.
20. a kind of bank card paying system payment and settlement methods based on market trace platform according to claim 13, is characterized in that: it also comprises the step that queries the balance:
S501: user is brush financial IC card on electronic scales, and review password by prompting input;
S502: electronic scales reads financial IC card, call PSAM module to decrypts information, obtain tracing information and bank card number, described tracing information comprises user basic information and customer transaction information, and tracing information and bank card number are transferred to banking system;
S503: banking system, according to the binding relationship set up when opening card, finds out the card number of this user binding;
S504: the bank card number received and binding card number contrast by banking system, if inconsistent, return error message;
S505: if card number contrast is consistent, whether password is reviewed in checking correct, reviews password bad, returns to re-enter and review encrypted message;
S506: review password correct, trace platform electronic accounting module submits inquiry into balance request to banking system;
S507: the tracing information that banking system provides according to market and bank card number carry out inquiry into balance process;
S508: banking system returns account balance to trace platform electronic accounting module;
S509: trace platform electronic accounting module returns account balance to electronic scales;
S510: electronic scales shows account balance on a display screen.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210527102.XA CN103020823B (en) | 2012-12-10 | 2012-12-10 | A kind of bank card paying system based on market trace platform and payment and settlement method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210527102.XA CN103020823B (en) | 2012-12-10 | 2012-12-10 | A kind of bank card paying system based on market trace platform and payment and settlement method |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN103020823A CN103020823A (en) | 2013-04-03 |
| CN103020823B true CN103020823B (en) | 2016-02-03 |
Family
ID=47969401
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201210527102.XA Active CN103020823B (en) | 2012-12-10 | 2012-12-10 | A kind of bank card paying system based on market trace platform and payment and settlement method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN103020823B (en) |
Families Citing this family (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103325189A (en) * | 2013-06-28 | 2013-09-25 | 万信方达科技发展(北京)有限责任公司 | Intelligent retail terminal device of information traceback system |
| CN106022773A (en) * | 2016-05-27 | 2016-10-12 | 广州羊城通有限公司 | Method of binding IC card and bank card together |
| CN108108492A (en) * | 2018-01-17 | 2018-06-01 | 北京网信云服信息科技有限公司 | A kind of data processing method, device and assets center system |
| CN112348503B (en) * | 2020-11-24 | 2023-11-03 | 中国农业银行股份有限公司安徽省分行 | Fund collection and payment method |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN201181482Y (en) * | 2008-03-11 | 2009-01-14 | 上海追索信息科技有限公司 | Retail terminal food safety information tracing system |
| CN101692274A (en) * | 2009-09-29 | 2010-04-07 | 福州欣创摩尔电子科技有限公司 | Method for implementing tracing of safety information of meat products |
| CN201600746U (en) * | 2010-02-23 | 2010-10-06 | 中国工商银行股份有限公司 | Recharging and payment device based on bank smart card |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101251916A (en) * | 2008-04-03 | 2008-08-27 | 中国工商银行股份有限公司 | Method and system for enterprise customer to perform financing settlement and management |
| CN102622671A (en) * | 2012-03-05 | 2012-08-01 | 神州数码国信信息技术（苏州）有限公司 | Meat and vegetable tracing management system |
| CN102682404A (en) * | 2012-05-25 | 2012-09-19 | 中国农业银行股份有限公司四川省分行 | Method and system for market capital settlement and comprehensive financial service based on bank initiation |
-
2012
- 2012-12-10 CN CN201210527102.XA patent/CN103020823B/en active Active
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN201181482Y (en) * | 2008-03-11 | 2009-01-14 | 上海追索信息科技有限公司 | Retail terminal food safety information tracing system |
| CN101692274A (en) * | 2009-09-29 | 2010-04-07 | 福州欣创摩尔电子科技有限公司 | Method for implementing tracing of safety information of meat products |
| CN201600746U (en) * | 2010-02-23 | 2010-10-06 | 中国工商银行股份有限公司 | Recharging and payment device based on bank smart card |
Also Published As
| Publication number | Publication date |
|---|---|
| CN103020823A (en) | 2013-04-03 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN106133768B (en) | Mobile device, method and computer program product for being prioritized data set | |
| CN107403372A (en) | Internet finance data processing platform | |
| CN104504562B (en) | A kind of method of mobile payment and system | |
| CN204178394U (en) | A kind of electronic certificate generating apparatus | |
| US20110106659A1 (en) | Encryption Switch Processing | |
| CN105139245A (en) | Internet electronic commerce system | |
| CN104897264A (en) | Intelligent traceable management electronic scale and tracing method | |
| CN104838401A (en) | Transaction system based on electronic certificate | |
| CN104838400A (en) | Capital receipt and payment system based on electronic certificate | |
| US10192213B2 (en) | Mobile payment system and method | |
| CN109003067A (en) | A kind of dynamic two-dimension code polymerization payment system and its working method based on electronic scale | |
| US11379814B2 (en) | Method and system for supporting promotion of use of digital local currency | |
| CN103020823B (en) | A kind of bank card paying system based on market trace platform and payment and settlement method | |
| US20120205445A1 (en) | Electronic payment using optically readable symbols | |
| CN102110270A (en) | Genuine-supportive fake-resistant rewarding and marketing system | |
| CN109801126A (en) | A kind of house transaction method of servicing, device and terminal device | |
| CN101616146A (en) | Based on third-party digital signature identification system and authentication method | |
| US8645215B1 (en) | System and method for sales tax automatic declaration | |
| CN111291418A (en) | Double-layer commercial operation architecture operating system based on block chain | |
| CN109727037A (en) | Member based on two class account of bank handles and management system and business model | |
| CN104854613A (en) | Payment system based on electronic credential | |
| Garg et al. | A mobile solution for an inclusive public distribution system in India | |
| JP2011013704A (en) | Apparatus and method for automatic creation of product purchase history information | |
| CN201210325Y (en) | Mobile storage device | |
| KR101209581B1 (en) | Management Method for integrating a FreePass ID |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CB03 | Change of inventor or designer information |
Inventor after: Mao Hong Inventor after: Zhang Wei Inventor after: Li Kai Inventor after: Tang Hao Inventor after: Tang Weiguang Inventor after: Song Chaoxia Inventor after: He Wei Inventor after: Xia Junfei Inventor after: Ren Jian Inventor after: Li Huachun Inventor after: Yu Mei Inventor after: Weng Bangyan Inventor after: Gao Yang Inventor before: He Wei Inventor before: Yu Mei Inventor before: Tang Weiguang Inventor before: Song Chaoxia Inventor before: Weng Bangyan Inventor before: Gao Yang Inventor before: Xia Junfei Inventor before: Ren Jian Inventor before: Zhang Wei Inventor before: Li Kai Inventor before: Tang Hao |
|
| COR | Change of bibliographic data |