CN103400461B

CN103400461B - The system and method for POS, card business realizing

Info

Publication number: CN103400461B
Application number: CN201310305734.6A
Authority: CN
Inventors: 孙伟; 何宗盛
Original assignee: 孙伟; 何宗盛
Current assignee: Billion through (Beijing) data processing information Co., Ltd.
Priority date: 2013-07-22
Filing date: 2013-07-22
Publication date: 2016-02-17
Anticipated expiration: 2033-07-22
Also published as: CN103400461A

Abstract

The invention discloses the system and method for a kind of POS, card business realizing.POS comprises: human-computer interaction device receives user's sends to central processing unit; Central processing unit generates service request, sends to business platform by interface arrangement, or by the service order that interface arrangement reception business platform is sent, triggers card processing operations; The card image received is sent to central processing unit by safety chip device; According to the service order after deciphering, instruction noncontact treating apparatus or contact treating apparatus carry out corresponding read-write operation; Noncontact treating apparatus carries out read-write operation in wireless radio frequency transmission mode to outside city one-card card; Contact treating apparatus carries out read-write operation by contact mode to outside contact card; Magnetic strip treating apparatus reads the information of external magnetic strip by the mode of swiping the card.The present invention can improve the dirigibility of business realizing.

Description

The system and method for POS, card business realizing

Technical field

The present invention relates to the network communications technology, particularly relate to the system and method for a kind of POS, card business realizing.

Background technology

At present, card business is widely used gradually.Such as a kind of technology realizes is city one-card business.Fig. 1 is the system construction drawing of city one-card business in prior art.See Fig. 1, in order to realize city one-card business, mainly comprise in city one-card operation system: city one-card card, POS (Pointofsales, point of sale) machine and all-purpose card server.Wherein, city one-card card is a kind of non-contact radio frequency cards; The identity of all-purpose card server maintenance and management city one-card card and other business information, by carrying out information interaction with POS, complete the management to POS and city one-card card.

At present, city one-card card is utilized mainly to carry out bus card-reading service, but also there is some new business utilizing city one-card card, such as, see Fig. 2, PC is introduced in city one-card operation system, business platform and Third party system, POS no longer directly communicates with all-purpose card server, but log in business platform by PC, thus complete and the communicating of Third party system and all-purpose card server, particularly, user can pass through PC, trigger business platform and Third party system carry out information interaction, thus utilize city one-card card to obtain more service application from Third party system, extend the application of city one-card business, for the use of user brings convenience.

But at present, it is no matter the city one-card operation system of which kind of structure, no matter complete which kind of business, in user side, POS all needs to be connected to network side thus finishing service by subscriber equipmenies such as PCs, like this, user then cannot carry out all-purpose card business when not having the subscriber equipmenies such as PC at any time, thus limits the dirigibility of business realizing; In addition, current POS can only complete single card business, such as, can only read and write, thus also limit the dirigibility of business realizing to city one-card card.

Summary of the invention

The present invention proposes the system and method for a kind of POS, card business realizing, the dirigibility of business realizing can be improved.

In order to achieve the above object, technical scheme of the present invention is achieved in that

A kind of POS, this moves POS and comprises: central processing unit, safety chip device, noncontact treating apparatus, contact treating apparatus and/or magnetic strip treating apparatus, human-computer interaction device and interface arrangement, wherein,

Human-computer interaction device, for providing business interface to user, receiving the user command that user is inputted by business interface, sending to central processing unit; And the service processing result received is supplied to user;

Central processing unit, business interface is shown to user for controlling human-computer interaction device, after receiving user command, service request is generated according to the card image that this order and safety chip device are sent, the business platform of network side is sent to by interface arrangement, or by the service order that interface arrangement reception business platform is sent, trigger card processing operations, service processing result is sent to human-computer interaction device;

Safety chip device, sends to central processing unit for card image noncontact treating apparatus, contact treating apparatus or magnetic strip treating apparatus sent; And the service order utilizing double secret key processing module to send is decrypted, according to the service order after deciphering, instruction noncontact treating apparatus or contact treating apparatus carry out corresponding read-write operation;

Noncontact treating apparatus, for reading the information of outside city one-card card in wireless radio frequency transmission mode, send to safety chip device, according to the instruction of safety chip device, in wireless radio frequency transmission mode, read-write operation is carried out to outside city one-card card;

Contact treating apparatus, for being read the information of external contact formula card by contact mode, sends to safety chip device, according to the instruction of safety chip device, carries out read-write operation by contact mode to outside contact card;

Magnetic strip treating apparatus, for being read the information of external magnetic strip by the mode of swiping the card, sends to safety chip device.

Described human-computer interaction device comprises keyboard and display module, and keyboard is used for for user's input command, and display module is used for providing business interface to user and the service processing result received being shown to user;

And/or described human-computer interaction device comprises further: print module, for print service result.

Described central processing unit is parsing after user command is the order utilizing external contact formula bank card or magnetic stripe bank card to supplement with money city one-card card, the contact card sent according to this order and safety chip device or the information of magnetic stripe card, the bank card that utilizes generated as described service request carries out all-purpose card charging request; Supplement instruction according to what receive with money as service order, triggering secure chip apparatus carries out supplementing process with money;

Safety chip device, under the triggering of central processing unit, instruction noncontact treating apparatus is write card to outside city one-card card and is supplemented operation with money, and, if when utilizing external contact formula bank card to supplement with money, contact treating apparatus is also indicated to write the operation of buckle money to outside contact card;

Or,

Described central processing unit is after to parse user command be use any one card in city one-card card, magnetic stripe card and contact card to carry out the order of bankcard consumption as current Payment Card, according to this order and and the information of current Payment Card sent of safety chip device, generate the bankcard consumption request as described service request; According to the instruction of withholing as service order received, triggering secure chip apparatus performs the operation of withholing to current card;

Safety chip device, under the triggering of central processing unit, current Payment Card be city one-card card or contact card time, corresponding instruction noncontact treating apparatus writes the operation of buckle money to outside city one-card card, or instruction contact treating apparatus writes the operation of buckle money to outside contact card;

Or,

Described central processing unit is parsing after user command is the order utilizing online service to supplement with money city one-card card, according to this order and the information of city one-card card that receives, generates the online recharge request as described service request; Supplement instruction according to what receive with money as service order, triggering secure chip apparatus carries out supplementing process with money;

Safety chip device, under the triggering of central processing unit, instruction noncontact treating apparatus is write card to outside city one-card card and is supplemented operation with money;

Or,

Described central processing unit is when carrying out inquiry into balance to any one object card in city one-card card, magnetic stripe card and contact card parsing user command, triggering secure chip apparatus is inquired about object card, and the target inquiry into balance information received is sent to human-computer interaction device as service processing result;

Safety chip device, under the triggering of central processing unit, according to object card, corresponding instruction noncontact treating apparatus reads the balance amount information of outside city one-card card, or instruction contact treating apparatus reads the balance amount information of external contact formula card, or instruction magnetic strip treating apparatus reads the balance amount information of external magnetic strip; The balance amount information of acquisition is sent to central processing unit.

This moves POS and comprises further: contact interface device and city one-card card,

Described safety chip device is connected in contact mode with described contact interface device;

Described safety chip device, is further used for the information being read the inner city one-card card of POS by described contact interface device, this city one-card card image is sent to central processing unit; And the service order utilizing double secret key central processing unit to send is decrypted, according to the service order after deciphering, carry out read-write operation by the city one-card card of described contact interface device to POS inside.

A system for card business realizing, comprises any one POS above-mentioned, business platform, Third party system and all-purpose card server, wherein,

Business platform, for receiving service request, mutual with Third party system, after interaction success, send service order to described POS; Or the service request sent according to POS and all-purpose card server interaction, send to described POS by the service order that all-purpose card server is sent.

When described Third party system is banking system corresponding to contact card or magnetic stripe card,

Business platform and this banking system are withholdd alternately and are asked, and this banking system deducts corresponding recharge amount from the account of correspondence, and success message of withholing returns to business platform;

Correspondingly, described POS, for being linked to the recharging service page of described business platform, the contact card sent according to the order utilizing external contact formula bank card or magnetic stripe bank card to supplement with money city one-card card and the mobile POS of user's input or the information of magnetic stripe card, the bank card that utilizes generated as described service request carries out all-purpose card charging request and sends to business platform; According to supplementing instruction with money, the balance amount information in amendment city one-card card, and, if supplemented with money by contact card, then revise the balance amount information in external contact formula card further;

Correspondingly, business platform, after receiving charging request, the request of withholing is sent to described banking system, after receiving success message of withholing, perform to all-purpose card server send carry city one-card card identity information supplement key application request with money, what then receive that all-purpose card server sends supplements instruction with money as service order;

Or,

When described Third party system is commerce system, this commerce system for the commodity that user is selected by mobile terminal detected and use any one card in city one-card card, magnetic stripe card and contact card to carry out as current Payment Card paying information after, generate corresponding goods orders and send to business platform;

Correspondingly, business platform, be further used for after successfully receiving goods orders and bankcard consumption request, corresponding execution sends payment key application request to all-purpose card server or to the banking system of magnetic stripe card/contact card, the banking system triggering all-purpose card server or magnetic stripe card/contact card carries out process of withholing, after business platform obtains payment key, send and withhold instruction to described POS;

Correspondingly, described POS, for the use city one-card card inputted according to user, any one card in magnetic stripe card and contact card carries out the information of the order of bankcard consumption and the current Payment Card of reading as current Payment Card, generate bankcard consumption request and send to business platform as described service request, according to the order of withholing that business platform is sent, determine current Payment Card be city one-card card or contact card time, from outside city one-card card, correspondingly deduct corresponding amount information or from contact card, deduct corresponding amount information.

Or,

When described Third party system be Net silver or third-party payment system time, business platform and this Net silver or third-party payment system are withholdd alternately and are asked, and from the account of correspondence, deduct corresponding recharge amount, success message of withholing returns to business platform;

Correspondingly, described POS, for being linked to the recharging service page of described business platform, according to the information of the order utilizing online service to supplement with money city one-card card of user's input and the city one-card card of reading, generate and give business platform as the online recharge request Concurrency of described service request, that sends according to business platform supplements instruction with money, the balance amount information in amendment city one-card card;

Correspondingly, business platform, after receiving described charging request, sends to described Net silver or third-party payment system by the request of withholing, after receiving success message of withholing, perform to all-purpose card server send carry Bus Card card identity information supplement key application request with money; What receive that all-purpose card server sends supplements instruction with money as service order, sends to described POS,

Service processing result is sent to business platform by described POS further;

Service processing result is issued corresponding card issuer's system by business platform further.

Safety chip device in described POS utilizes the PKI of this POS to be encrypted the information sent;

Described business platform utilizes the private key of corresponding described POS to be decrypted the information that POS is sent further.

Realize a method for card business based on any one POS above-mentioned, the method comprises:

A, POS provide business interface to user, receive the user command that user is inputted by business interface, and read external card information;

This reading external card information comprises: by noncontact treating apparatus read outside city one-card card information, read by contact treating apparatus external contact formula card information and by magnetic strip treating apparatus with the mode of swiping the card read in the information three of external magnetic strip one or several;

B, POS generate service request according to the card image of user command and reading, send to the business platform of network side;

C, business platform and Third party system are mutual, after interaction success, send service order or the service request sent according to POS and all-purpose card server interaction, the service order that all-purpose card server is sent is sent to mobile terminal to POS;

D, POS trigger card processing operations according to the service order received.

In steps A, described user command is: utilize the order that external contact formula card or magnetic stripe card are supplemented with money city one-card card;

In steps A, described reading external card information is: the information being read city one-card card by noncontact treating apparatus; And, read the information of external contact formula card by contact treating apparatus or read the information of external magnetic strip by magnetic strip treating apparatus in the mode of swiping the card;

In step B, described service request is: utilize bank card to carry out all-purpose card charging request;

Described step C comprises: the banking system that business platform is corresponding with contact card or magnetic stripe card is withholdd information alternately, this banking system is withholdd to corresponding bank card account, business platform is after receiving success message of withholing, send to all-purpose card server and supplement key application request with money, what then receive that all-purpose card server sends supplements instruction with money as service order, sends to POS;

Described step D comprises: POS supplements instruction with money according to what receive, by the balance amount information of noncontact treating apparatus amendment city one-card card; Further, when utilizing external contact formula card to supplement with money city one-card card, also by the balance amount information of contact treating apparatus amendment contact card;

Or,

In steps A, described user command is: utilize the order that online service is supplemented with money city one-card card;

In steps A, described reading external card information is: the information being read city one-card card by noncontact treating apparatus;

In step B, described service request is: online recharge request;

Described step C comprises: business platform and Net silver or third-party payment system are withholdd information alternately, withholing successfully, to all-purpose card server send carry city one-card card identity information supplement key application request with money, what then receive that all-purpose card server sends supplements instruction with money as service order, sends to POS;

Described step D comprises: POS supplements instruction with money according to what receive, by the balance amount information of noncontact treating apparatus amendment city one-card card;

Or,

In steps A, described user is input as: use any one card in city one-card card, magnetic stripe card and contact card to carry out the order of bankcard consumption as current Payment Card;

In steps A, described reading external card information is: input according to described user, the corresponding information being read outside city one-card card by noncontact treating apparatus, or the information of external contact formula card is read by contact treating apparatus, or, read the information of external magnetic strip in the mode of swiping the card by magnetic strip treating apparatus;

In step B, described service request is: bankcard consumption request;

Described step C comprises: commerce system generates corresponding goods orders and sends to business platform, after business platform receives goods orders and bankcard consumption request, corresponding execution sends payment key application request to all-purpose card server or to the banking system of magnetic stripe card/contact card, the banking system triggering all-purpose card server or magnetic stripe card/contact card carries out process of withholing, and business platform sends to POS instruction of withholing after obtaining and paying key;

Described step D comprises: POS receives and to withhold instruction, determine current Payment Card be city one-card card or contact card time, from city one-card card or from contact card, correspondingly deduct corresponding amount information;

Or,

In steps A, described user is input as: the order any one object card in city one-card card, magnetic stripe card and contact card being carried out to inquiry into balance;

In steps A, described reading external card information is: POS is according to described user command, the corresponding identity information being read outside city one-card card by noncontact treating apparatus, or the identity information of external contact formula card is read by contact treating apparatus, or, read the identity information of external magnetic strip in the mode of swiping the card by magnetic strip treating apparatus;

In step B, described service request is: inquiry into balance authorization requests, carries the identity information of the card of reading in this request;

Described step C comprises: business platform is according to inquiry into balance authorization requests, corresponding sends inquiry into balance authorization requests to all-purpose card server, or the banking system corresponding to contact card/magnetic stripe card sends inquiry into balance authorization requests, business platform sends to POS after obtaining inquiry into balance authorized order;

Described step D comprises: POS reads the balance amount information of outside city one-card card by noncontact treating apparatus according to inquiry into balance authorized order, or the balance amount information of external contact formula card is read by contact treating apparatus, or, read the balance amount information of external magnetic strip by magnetic strip treating apparatus in the mode of swiping the card, provide user by read balance amount information

As fully visible, the POS that the present invention proposes, the method and system of card business realizing, at least have following advantage:

1, which kind of card business no matter is completed in the present invention, POS can the business platform of direct access network side, and man-machine interaction can be carried out with user, therefore without the need to relying on the extra user data equipment connection network side such as PC or mobile phone, even if when there is no the user data such as PC and mobile phone equipment, utilizing the present invention also can carry out card business at any time, thus improve the dirigibility of business realizing, be more applicable for each business provider to use, such as in supermarket use etc.;

In addition, the present invention can complete the related service of city one-card card, such as, by Web bank's account, city one-card card supplemented, directly inquired about at any time by POS with money the remaining sum of city one-card card, in this POS, realize using city one-card card to swipe the card purchase and consumption;

And, the present invention can also realize magnetic stripe card if magnetic strip bank card and/or contact card are as the related service of contact bank card, such as, utilize POS to inquire about magnetic stripe card if magnetic strip bank card and/or contact card are as the remaining sum of contact bank card, this POS realizes use magnetic stripe card such as magnetic strip bank card and/or contact card such as contact bank card to carry out swiping the card purchase and consumption;

What is more important, the associated services of multi-card can also be realized, such as, this POS utilize magnetic stripe card such as magnetic strip bank card and/or contact card such as contact bank card supplement with money city one-card card, even if when user does not have Web bank's account, also achieve and utilize entity card to supplement with money city one-card card, therefore considerably increase the dirigibility of business realizing.

All-purpose card fills to pay a termination function, carry out the read-write capability of magnetic stripe card/contact card and be connected the common three zones of mutual data processing function with business platform and is integrated in one by the POS that 2, the present invention proposes, supplementing with money and the business such as inquiry city one-card card can not only be completed, utilize magnetic stripe card, contact card completes corresponding paid service of swiping the card, and the trouble connecting PC or other Data Data equipment can also be saved, user side only needs to use this POS equipment, can multiple business be completed, enhance the practicality of equipment;

Such as, the embodiment of the present invention can realize the bankcard consumption of three kinds of modes, namely city one-card card is utilized to swipe the card, or utilize magnetic stripe card such as magnetic strip bank card to swipe the card, or utilize contact card such as contact bank card to swipe the card, user can select arbitrarily a kind of card of mode to carry out bankcard consumption, and therefore a POS possesses multiple bankcard consumption mode, convenient for users to use;

In addition, city one-card card is supplemented with money, Web bank's account can be used, or utilize magnetic stripe card as magnetic strip bank card, or utilize contact card such as contact bank card three kinds of modes to supplement with money, therefore, a POS can utilize various ways to complete card and supplement with money, convenient for users to use.

3, in the present invention, city one-card card can be integrated in POS inside, and, the read-write of the city one-card card of this inside is no longer undertaken by Radio Transmission Technology, but namely realize being connected with city one-card card in the contact mode of physical connection by contact interface device, thus carry out the direct read/write of card, like this, then can not be subject to the impact of periphery electromagnetic environment and artificial mobile card, greatly reduce the mistake of read-write city one-card card, for the use of user brings great convenience.

4, in the present invention, between each equipment, all carry out information transmission by cordless communication network, carry out online business, instead of special line transmission, POS, also without the need to being connected with card system by special line, reduces the difficulty of business realizing;

Further, all business are all complete in real time, online business, break away from traditional off line business model, business datum can have been uploaded in real time, such as there is online receipts list function, after to city one-card card successful recharging, in real time the information of successful recharging can be uploaded card system.

5, due to city one-card card can be used to complete transaction payment, and without the need to inputting password when city one-card card pays, therefore, user can select to use city one-card card to pay when small amount payment, the more convenient use of user.

Accompanying drawing explanation

In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.

Fig. 1 is a kind of system construction drawing of city one-card business in prior art.

Fig. 2 is the another kind of improved system structural drawing of city one-card business in prior art.

Fig. 3 is the basic block diagram of mobile POS inside in the embodiment of the present invention.

Fig. 4 is a kind of preferred structure figure of mobile POS inside in the embodiment of the present invention.

Fig. 5 is the structural representation of the system realizing card business in the embodiment of the present invention.

Fig. 6 is a kind of realization flow figure carrying out card business in embodiment of the present invention A.

Fig. 7 is a kind of realization flow figure carrying out card business in embodiment of the present invention B.

Fig. 8 is a kind of realization flow figure carrying out card business in embodiment of the present invention C.

Embodiment

For making the object of the embodiment of the present invention, technical scheme and advantage clearly, below in conjunction with the accompanying drawing in the embodiment of the present invention, technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.

One embodiment of the invention first proposed a kind of POS.See Fig. 3, this POS comprises: central processing unit 301, safety chip device 302, noncontact treating apparatus 304, contact treating apparatus 303 and/or magnetic strip treating apparatus 305, interface arrangement 306 and human-computer interaction device 307, wherein,

Human-computer interaction device 307, for providing business interface to user, receiving the user command that user is inputted by business interface, sending to central processing unit 301; And the service processing result received is supplied to user;

Central processing unit 301, business interface is shown to user for controlling human-computer interaction device 307, after receiving user command, service request is generated according to the information that this order and safety chip device are sent, the business platform of network side is sent to by interface arrangement 306, or receive by interface arrangement 306 service order that business platform sends, trigger card processing operations, service processing result is sent to human-computer interaction device 307;

Safety chip device 302, sends to central processing unit 301 for information noncontact treating apparatus 304, contact treating apparatus 303 or magnetic strip treating apparatus 305 sent; And the service order utilizing double secret key central processing unit 301 to send is decrypted, according to the service order after deciphering, instruction noncontact treating apparatus 304 or contact treating apparatus 303 carry out corresponding read-write operation;

Noncontact treating apparatus 304, for reading the information of outside city one-card card in wireless radio frequency transmission mode, send to safety chip device 302, according to the instruction of safety chip device 302, in wireless radio frequency transmission mode, read-write operation is carried out to outside city one-card card;

Contact treating apparatus 303, for being read the information of external contact formula card by contact mode, sends to safety chip device 302, according to the instruction of safety chip device 302, carries out read-write operation by contact mode to outside contact card;

Magnetic strip treating apparatus 305, for being read the information of external magnetic strip by the mode of swiping the card, sends to safety chip device 302.

In a preferred embodiment of the invention, human-computer interaction device 307 can comprise keyboard and display module, and keyboard is used for for user's input command, and display module is used for providing business interface to user and the service processing result received being shown to user.

Obtain to more be convenient to user the business result that POS performs according to user command, human-computer interaction device 307 may further include print module, for print service result.

Certainly, human-computer interaction device 307 also has other implementation, as long as can carry out man-machine interaction with user.Such as, human-computer interaction device 307 can not obtain user command by input through keyboard, and can identify by sound identification module the user command etc. obtaining user and input with voice mode.

Have in a preferred embodiment in the present invention, in order to security and the non-repudiation of the relevant information and business that ensure various card image (city one-card card, magnetic stripe card are if magnetic strip bank card, contact card are as being with the contact bank card of cpu chip), in POS of the present invention, safety chip device 302 completes following process further:

Safety chip device 302 preserves the private key of this POS in the key district of inaccessible, and this private key corresponds to the PKI of the CA certificate of described POS, and utilizes the execution of this private key to be decrypted the service order that central processing unit 301 is sent; And/or safety chip device 302 is further used for utilizing the PKI of POS to sign to sending to the information of central processing unit 301; And/or, the current balance amount information of the city one-card card that safety chip device 302 is further used for utilizing the PKI in the CA certificate of all-purpose card server to read contactless treating apparatus 304 is encrypted, send to business platform by central processing unit 301 and interface arrangement 306, to have triggered, balance amount information is sent to all-purpose card server.

In addition, in an embodiment of the invention, contact treating apparatus 303 can be connected with external contact formula card by the contact read head of self, thus carries out read-write operation to this contact card.

In other preferred embodiment of the present invention, other functional device is may further include in POS, such as, see Fig. 4, comprise further: contact interface device 308 and city one-card card 309, safety chip device 302 realizes contact mode by contact interface device 308 and city one-card card 309 and is connected;

Safety chip device 302, reads the information of the inner city one-card card 309 of POS, the information of this city one-card card 309 is sent to central processing unit 301 further by contact interface device 308; And the service order utilizing double secret key central processing unit 301 to send is decrypted, according to the service order after deciphering, carry out read-write operation by contact interface device 308 pairs of city one-card cards 309.

Wherein, can use and be welded to connect interface or circuit lead linkage interface is used as contact interface device 308, in fact, as long as ensure that safety chip device 302 is connected by the mode of physical contact formula with above-mentioned city one-card card 309, and information transmission is carried out.

Utilize the POS shown in Fig. 4, this POS carries city one-card card, the more important thing is, because namely safety chip device utilizes the mode of physical connection (i.e. contact connected mode) to realize being connected with city one-card card by contact interface device, thus carry out the direct read/write of card, like this, then can not be subject to the impact of periphery electromagnetic environment and artificial mobile card, greatly reduce the mistake of read-write city one-card card.

It should be noted that, it will be understood by those skilled in the art that in the business realizing of reality, POS also can add other functional module further, such as USB flash disk memory storage, thus can as mobile memory use etc.

In another embodiment, propose a kind of system utilizing the POS of the embodiment of the present invention to realize card business, see Fig. 5, this system comprises: the POS 501 of any one function and structure proposed in the embodiment of the present invention, business platform 502, Third party system 503 and all-purpose card server 504, wherein

Business platform 502, for receiving service request, mutual with Third party system 503, after interaction success, send service order to POS 501; Or the service request sent according to POS 501 and all-purpose card server 504 are alternately, and the service order that all-purpose card server 504 is sent is sent to described POS.

In a kind of realization specifically, can be communicated by Transmission Control Protocol between POS 501 with business platform 502.

Correspondingly, one embodiment of the invention also proposed a kind of method utilizing the POS of the embodiment of the present invention to realize card business, and the method comprises the following steps:

C, business platform and Third party system are mutual, after interaction success, send service order or the service request sent according to POS and all-purpose card server interaction, the service order that all-purpose card server is sent is sent to POS to POS;

The POS utilizing the invention described above embodiment to propose, the system and method for card business realizing, can multiple business be completed, such as business one, utilize external contact formula card such as contact bank card or magnetic stripe card such as magnetic strip bank card to supplement with money city one-card card; Business two, online service is utilized to supplement with money city one-card card; Business three, the one card in city one-card card, magnetic stripe bank card and contact bank card is utilized to swipe the card, as consumption or transfer accounts; The remaining sum etc. of business four, inquiry city one-card card, magnetic stripe card and contact card.

Respectively by different embodiments, above-mentioned business is described below.

Embodiment A,

In this embodiment A, Third party system is the banking system that contact card or magnetic stripe card are corresponding, the system and method utilizing mobile POS, the embodiment of the present invention to propose completes above-mentioned business one and utilizes external entity card, i.e. contact card or magnetic stripe card process that city one-card card is supplemented with money, see Fig. 6, comprise the following steps:

Step 601:POS chain receives the recharging service page of business platform, and the human-computer interaction device of POS provides business interface to user, the order that user utilizes external contact formula card or magnetic stripe card to supplement with money city one-card card according to business interface by human-computer interaction device input, this order is sent to central processing unit by human-computer interaction device.

In practical business, contact card can be the contact bank card of band cpu chip, and magnetic stripe card can be the magnetic strip bank card of band magnetic stripe.

Step 602: central processing unit, after parsing user command, triggers card seeking process, user is by city one-card card near noncontact treating apparatus, and noncontact treating apparatus reads the information of city one-card card, issues safety chip device;

Simultaneously, if utilize contact card to supplement with money city one-card card, then contact card is connected to contact treating apparatus by user, or, if utilize magnetic stripe card to supplement with money city one-card card, then magnetic stripe card is carried out process of swiping the card by user on magnetic strip treating apparatus; Correspondingly, then the information reading contact card by, contact treating apparatus sends to safety chip device, or the information that magnetic strip treating apparatus reads magnetic stripe card sends to safety chip device.

In this step, card image can comprise the identity information and balance amount information etc. of card.

Step 603: the information received is sent to central processing unit by safety chip device.

This step, safety chip device further according to the card image received, can be carried out certification to card, after certification is passed through, then the information received is sent to central processing unit.

Step 604: the card image that central processing unit is sent according to user command and safety chip device, generation utilizes bank card to carry out all-purpose card charging request, send to business platform by interface arrangement, this utilize bank card carry out all-purpose card charging request comprise city one-card card information and for the information of contact card that pays or the information of magnetic stripe card.

In this step, what interface arrangement sent utilizes bank card to carry out all-purpose card charging request can be Transmission Control Protocol form.

Step 605: business platform after receiving and utilizing bank card to carry out all-purpose card charging request, according in this request for the information of contact card that pays or the information of magnetic stripe card, the request of withholing is sent to corresponding banking system.

Step 606: the account of this banking system to corresponding contact card or magnetic stripe card is withholdd process.

Here, withholing is need the amount of money of supplementing with money to carry out corresponding withholing according to city one-card.

Step 607: business platform after receiving the success message of withholing that this banking system sends, to all-purpose card server send carry city one-card card identity information supplement key application request with money.

Step 608: what business platform reception all-purpose card server was sent supplements instruction with money, sends to POS.

The interface arrangement of step 609:POS machine will be supplemented instruction with money and be sent to central processing unit, and central processing unit carries out the process such as the decapsulation of data, then sends to safety chip device.

Step 610: safety chip device is according to supplementing instruction with money, balance amount information in instruction noncontact treating apparatus amendment city one-card card completes supplements with money, and, if supplemented with money by contact card, namely supplement instruction with money when comprising the information of contact card, then indicate the balance amount information in contact treating apparatus amendment external contact formula card namely to complete further and withhold.

Here, if supplemented with money city one-card card by magnetic stripe card, then in this step, safety chip device carries out without the need to triggering magnetic strip treating apparatus process of withholing, because the process of withholing of magnetic stripe card completes in the banking system side on backstage.

Embodiment B,

In this Embodiment B, Third party system be Net silver or third-party payment system time, the POS utilizing the embodiment of the present invention to propose, system and method complete the process that above-mentioned business two utilizes online service to supplement with money city one-card card, see Fig. 7, comprise the following steps:

Step 701:POS chain receives the recharging service page of business platform, and the human-computer interaction device of POS provides business interface to user, the order that user utilizes online service to supplement with money city one-card card according to business interface by human-computer interaction device input, this order is sent to central processing unit by human-computer interaction device.

In this step, the order of user's input comprises the accounts information of Web bank for paying or third-party payment system.

Step 702: central processing unit, after parsing user command, triggers card seeking process, user is by city one-card card near noncontact treating apparatus, and noncontact treating apparatus reads the information of city one-card card, issues safety chip device.

Step 703: safety chip device carries out certification according to the identity information received to city one-card card, after certification is passed through, sends to central processing unit by the identity information of this all-purpose card card.

The order (comprising recharge amount and accounts information etc.) utilizing online service to supplement with money city one-card card that the central processing unit of step 704:POS machine inputs according to user and the information of city one-card card received, generate online recharge request Concurrency and give business platform.

Step 705: the request of withholing, according to online recharge request, is sent to corresponding Net silver or third-party payment system by business platform.

Step 706: corresponding Net silver or third-party payment system are according to the request of withholing received, and deduct corresponding recharge amount from the account of correspondence, success message of withholing returns to business platform.

Step 707: after business platform receives success message of withholing, to all-purpose card server send carry city one-card card identity information and recharge amount information supplement key application request with money.

Step 708: all-purpose card server carries out certification according to city one-card card identity information to this card, after certification is passed through, generation is supplemented instruction with money and is sent to business platform.

Step 709: business platform is supplemented this with money instruction and sent to POS.

Inner in POS, supplement instruction with money and arrive central processing unit through interface arrangement, central processing unit carries out the process such as data decapsulation, and triggering secure chip apparatus carries out supplementing process with money.

In step 710:POS machine, safety chip device instruction noncontact treating apparatus is according to supplementing instruction with money, writes card and supplements operation with money, namely revise the balance amount information in Bus Card card to city one-card card.

Embodiment C,

In this Embodiment C, when Third party system is commerce system, utilize embodiment of the present invention POS, the system and method for proposition complete above-mentioned business three and utilize a kind of card in city one-card card, magnetic stripe card and contact card to carry out swiping the card as the process of consumption, see Fig. 8, comprise the following steps:

Step 800:POS chain receives commerce system, user selects the merchandise news needing in commerce system to buy by POS, and the human-computer interaction device of POS provides business interface to user, user carries out the order of bankcard consumption as current Payment Card by any one card in human-computer interaction device input use city one-card card, magnetic stripe card and contact card according to business interface, this order is sent to central processing unit by human-computer interaction device.

Step 801: central processing unit, after parsing user command, triggers card seeking process, obtains the information of current Payment Card.

Here, current Payment Card is if city one-card card, then, under the triggering of central processing unit, safety chip device instruction noncontact treating apparatus reads the information of this city one-card card in wireless radio frequency transmission mode; If current Payment Card is contact card, then under the triggering of central processing unit, safety chip device instruction contact treating apparatus reads the information reading contact card as by contact read head; If current Payment Card is magnetic stripe card, then under the triggering of central processing unit, safety chip device instruction magnetic strip treating apparatus reads the information of magnetic stripe card.

In step 802:POS machine, the information of the current Payment Card that central processing unit inputs according to user in step 800 and receives generates bankcard consumption request, sends to business platform by interface arrangement.

In this step, bankcard consumption request comprises the information of current Payment Card, and such as current Payment Card is city one-card card, be then the information of this city one-card card.

Step 803: commerce system generates corresponding goods orders and sends to business platform, after the bankcard consumption request that business platform is sent with POS after successfully receiving goods orders, obtains and pays key.

In this step, according to the information of card current in bankcard consumption request, corresponding execution sends payment key application request to all-purpose card server (when current card is city one-card card) or to the banking system of magnetic stripe card (when current card is magnetic stripe card)/contact card (when current card is contact card), the banking system triggering all-purpose card server or magnetic stripe card/contact card carries out process of withholing, namely revise the account balance information of corresponding card, then return to business platform and pay key.

Step 804: business platform sends and withholds instruction to POS.

Step 805: instruction of withholing arrives central processing unit through interface arrangement, after central processing unit carries out the process such as data decapsulation, triggering secure chip apparatus performs the operation of withholing to current card.

Step 806: safety chip device is under the triggering of central processing unit, current Payment Card be city one-card card or contact card time, corresponding instruction noncontact treating apparatus writes the operation of buckle money to outside city one-card card, or instruction contact treating apparatus writes the operation of buckle money to outside contact card.

Here, if carry out bankcard consumption by magnetic stripe card, then in this step, safety chip device carries out without the need to triggering magnetic strip treating apparatus process of withholing, because the process of withholing of magnetic stripe card completes in the banking system side on backstage.

Embodiment D

This embodiment realizes the remaining sum etc. of above-mentioned business four, inquiry city one-card card, magnetic stripe card and contact card.When specific implementation,

User is by the human-computer interaction device inputting user command of POS;

Central processing unit receives this user command, is that when carrying out inquiry into balance to any one object card in city one-card card, magnetic stripe card and contact card, triggering secure chip apparatus is inquired about object card parsing user command;

Safety chip device, under the triggering of central processing unit, according to object card, corresponding instruction noncontact treating apparatus reads the balance amount information of outside city one-card card, or instruction contact treating apparatus reads the balance amount information of external contact formula card, or instruction magnetic strip treating apparatus reads the balance amount information of external magnetic strip; The balance amount information of acquisition is sent to central processing unit;

The target inquiry into balance information received is sent to human-computer interaction device as service processing result by central processing unit; By human-computer interaction device, this service processing result is supplied to user.

As fully visible, the POS that the embodiment of the present invention proposes, the method and system of card business realizing, at least have following advantage:

1, which kind of card business no matter is completed in the embodiment of the present invention, POS can the business platform of direct access network side, and man-machine interaction can be carried out with user, therefore without the need to relying on the extra user data equipment connection network side such as PC or mobile phone, even if when there is no the user data such as PC and mobile phone equipment, utilize the embodiment of the present invention also can carry out card business at any time, thus improve the dirigibility of business realizing, be more applicable for each business provider to use, such as in supermarket use etc.;

In addition, the embodiment of the present invention can complete the related service of city one-card card, such as, by Web bank's account, city one-card card supplemented, directly inquired about at any time by POS with money the remaining sum of city one-card card, in this POS, realize using city one-card card to swipe the card purchase and consumption;

And, the embodiment of the present invention can also realize magnetic stripe card if magnetic strip bank card and/or contact card are as the related service of contact bank card, such as, utilize POS to inquire about magnetic stripe card if magnetic strip bank card and/or contact card are as the remaining sum of contact bank card, this POS realizes use magnetic stripe card such as magnetic strip bank card and/or contact card such as contact bank card to carry out swiping the card purchase and consumption;

All-purpose card fills to pay a termination function, carry out the read-write capability of magnetic stripe card/contact card and be connected the common three zones of mutual data processing function with business platform and is integrated in one by the POS that 2, the embodiment of the present invention proposes, supplementing with money and the business such as inquiry city one-card card can not only be completed, utilize magnetic stripe card, contact card completes corresponding paid service of swiping the card, and the trouble connecting PC or other Data Data equipment can also be saved, user side only needs to use this POS equipment, can multiple business be completed, enhance the practicality of equipment;

3, in the embodiment of the present invention, city one-card card can be integrated in POS inside, and, the read-write of the city one-card card of this inside is no longer undertaken by Radio Transmission Technology, but namely realize being connected with city one-card card in the contact mode of physical connection by contact interface device, thus carry out the direct read/write of card, like this, then can not be subject to the impact of periphery electromagnetic environment and artificial mobile card, greatly reduce the mistake of read-write city one-card card, for the use of user brings great convenience.

4, in the embodiment of the present invention, between each equipment, all carry out information transmission by cordless communication network, carry out online business, instead of special line transmission, POS, also without the need to being connected with card system by special line, reduces the difficulty of business realizing;

One of ordinary skill in the art will appreciate that: all or part of step realizing said method embodiment can have been come by the hardware that programmed instruction is relevant, aforesaid program can be stored in a computer read/write memory medium, this program, when performing, performs the step comprising said method embodiment; And aforesaid storage medium comprises: ROM, RAM, magnetic disc or CD etc. various can be program code stored medium.

Last it is noted that above embodiment is only in order to illustrate technical scheme of the present invention, be not intended to limit; Although with reference to previous embodiment to invention has been detailed description, those of ordinary skill in the art is to be understood that: it still can be modified to the technical scheme described in foregoing embodiments, or carries out equivalent replacement to wherein portion of techniques feature; And these amendments or replacement, do not make the essence of appropriate technical solution depart from the spirit and scope of various embodiments of the present invention technical scheme.

Claims

1. a POS, it is characterized in that, this POS comprises: any one or two in central processing unit, safety chip device, noncontact treating apparatus, contact treating apparatus and magnetic strip treating apparatus, human-computer interaction device and interface arrangement, wherein

Safety chip device, sends to central processing unit for card image noncontact treating apparatus, contact treating apparatus or magnetic strip treating apparatus sent; And the service order utilizing double secret key central processing unit to send is decrypted, according to the service order after deciphering, instruction noncontact treating apparatus or contact treating apparatus carry out corresponding read-write operation;

Magnetic strip treating apparatus, for being read the information of external magnetic strip by the mode of swiping the card, sends to safety chip device; Wherein,

Described central processing unit is parsing after user command is the order utilizing external contact formula bank card or magnetic stripe bank card to supplement with money city one-card card, the contact card sent according to this order and safety chip device or the information of magnetic stripe card, the bank card that utilizes generated as described service request carries out all-purpose card charging request; Supplement instruction according to what receive with money as service order, triggering secure chip apparatus carries out supplementing process with money; Then, safety chip device, under the triggering of central processing unit, instruction noncontact treating apparatus is write card to outside city one-card card and is supplemented operation with money, and, if when utilizing external contact formula bank card to supplement with money, contact treating apparatus is also indicated to write the operation of buckle money to outside contact card;

Or,

Described central processing unit is after to parse user command be use any one card in city one-card card, magnetic stripe card and contact card to carry out the order of bankcard consumption as current Payment Card, according to this order and and the information of current Payment Card sent of safety chip device, generate the bankcard consumption request as described service request; According to the instruction of withholing as service order received, triggering secure chip apparatus performs the operation of withholing to current card; Then, safety chip device, under the triggering of central processing unit, current Payment Card be city one-card card or contact card time, corresponding instruction noncontact treating apparatus writes the operation of buckle money to outside city one-card card, or instruction contact treating apparatus writes the operation of buckle money to outside contact card;

Or,

Described central processing unit is parsing after user command is the order utilizing online service to supplement with money city one-card card, according to this order and the information of city one-card card that receives, generates the online recharge request as described service request; Supplement instruction according to what receive with money as service order, triggering secure chip apparatus carries out supplementing process with money; Then, safety chip device, under the triggering of central processing unit, instruction noncontact treating apparatus is write card to outside city one-card card and is supplemented operation with money;

Or,

Described central processing unit is when carrying out inquiry into balance to any one object card in city one-card card, magnetic stripe card and contact card parsing user command, triggering secure chip apparatus is inquired about object card, and the target inquiry into balance information received is sent to human-computer interaction device as service processing result; Then, safety chip device, under the triggering of central processing unit, according to object card, corresponding instruction noncontact treating apparatus reads the balance amount information of outside city one-card card, or instruction contact treating apparatus reads the balance amount information of external contact formula card, or instruction magnetic strip treating apparatus reads the balance amount information of external magnetic strip; The balance amount information of acquisition is sent to central processing unit.

2. POS according to claim 1, it is characterized in that, described human-computer interaction device comprises keyboard and display module, and keyboard is used for for user's input command, and display module is used for providing business interface to user and the service processing result received being shown to user;

3. POS according to claim 1 and 2, is characterized in that, this POS comprises further: contact interface device and city one-card card,

4. a system for card business realizing, is characterized in that, comprises POS, business platform, Third party system and all-purpose card server, wherein,

Business platform, for receiving service request, mutual with Third party system, after interaction success, send service order to described POS; Or the service request sent according to POS and all-purpose card server interaction, send to described POS by the service order that all-purpose card server is sent;

Described POS comprises: any one or two in central processing unit, safety chip device, noncontact treating apparatus, contact treating apparatus and magnetic strip treating apparatus, human-computer interaction device and interface arrangement, wherein,

5. the system of card business realizing according to claim 4, is characterized in that, in described POS,

6. the system of the card business realizing according to claim 4 or 5, is characterized in that, described POS comprises further: contact interface device and city one-card card,

7. the system of card business realizing according to claim 4, is characterized in that,

Or,

When described Third party system is commerce system, this commerce system for the commodity that user is selected by mobile terminal detected and use any one card in city one-card card, magnetic stripe card and contact card to carry out as current Payment Card paying information after, generate corresponding goods orders and issue business platform;

Correspondingly, described POS, for the use city one-card card inputted according to user, any one card in magnetic stripe card and contact card carries out the information of the order of bankcard consumption and the current Payment Card of reading as current Payment Card, generate bankcard consumption request and send to business platform as described service request, according to the order of withholing that business platform is sent, determine current Payment Card be city one-card card or contact card time, from outside city one-card card, correspondingly deduct corresponding amount information or from contact card, deduct corresponding amount information,

Or,

Correspondingly, business platform, after receiving described charging request, sends to described Net silver or third-party payment system by the request of withholing, after receiving success message of withholing, perform to all-purpose card server send carry Bus Card card identity information supplement key application request with money; What receive that all-purpose card server sends supplements instruction with money as service order, sends to described POS.

8. the system of the card business realizing according to claim 4 or 7, is characterized in that,

9. the system of the card business realizing according to claim 4 or 7, is characterized in that,

10. realize a method for card business based on POS, it is characterized in that, the method comprises:

Steps A, POS provide business interface to user, receive the user command that user is inputted by business interface, and read external card information;

Step B, POS generate service request according to the card image of user command and reading, send to the business platform of network side;

Step C, business platform and Third party system are mutual, after interaction success, send service order or the service request sent according to POS and all-purpose card server interaction, the service order that all-purpose card server is sent is sent to mobile terminal to POS;

Step D, POS trigger card processing operations according to the service order received; Wherein,

11. methods according to claim 10, is characterized in that,

Or,

In step B, described service request is: online recharge request;

Or,

In step B, described service request is: bankcard consumption request;

Or,

Described step D comprises: POS reads the balance amount information of outside city one-card card by noncontact treating apparatus according to inquiry into balance authorized order, or the balance amount information of external contact formula card is read by contact treating apparatus, or, read the balance amount information of external magnetic strip by magnetic strip treating apparatus in the mode of swiping the card, provide user by read balance amount information.