CN110264185A - A kind of multi-functional fare payment system, device and method - Google Patents

A kind of multi-functional fare payment system, device and method Download PDF

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Publication number
CN110264185A
CN110264185A CN201910665286.8A CN201910665286A CN110264185A CN 110264185 A CN110264185 A CN 110264185A CN 201910665286 A CN201910665286 A CN 201910665286A CN 110264185 A CN110264185 A CN 110264185A
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CN
China
Prior art keywords
payment
information
functional
paying device
service provider
Prior art date
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Pending
Application number
CN201910665286.8A
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Chinese (zh)
Inventor
吴佳文
王伟权
唐琳娜
孙韶
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Industrial and Commercial Bank of China Ltd ICBC
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Industrial and Commercial Bank of China Ltd ICBC
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Application filed by Industrial and Commercial Bank of China Ltd ICBC filed Critical Industrial and Commercial Bank of China Ltd ICBC
Priority to CN201910665286.8A priority Critical patent/CN110264185A/en
Publication of CN110264185A publication Critical patent/CN110264185A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/14Payment architectures specially adapted for billing systems
    • G06Q20/145Payments according to the detected use or quantity
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/28Pre-payment schemes, e.g. "pay before"
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F15/00Coin-freed apparatus with meter-controlled dispensing of liquid, gas or electricity
    • G07F15/001Coin-freed apparatus with meter-controlled dispensing of liquid, gas or electricity for gas
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F15/00Coin-freed apparatus with meter-controlled dispensing of liquid, gas or electricity
    • G07F15/003Coin-freed apparatus with meter-controlled dispensing of liquid, gas or electricity for electricity
    • G07F15/006Coin-freed apparatus with meter-controlled dispensing of liquid, gas or electricity for electricity dispensed for the electrical charging of other devices than vehicles
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F15/00Coin-freed apparatus with meter-controlled dispensing of liquid, gas or electricity
    • G07F15/06Coin-freed apparatus with meter-controlled dispensing of liquid, gas or electricity with means for prepaying basic charges, e.g. rent for meters

Abstract

The present invention provides a kind of multi-functional fare payment system, device and method, which includes: multi-functional paying device (103), for acquiring consumption information, is sent to service provider's application server (101);Service provider's application server (101), for determining payment information, being sent to multi-functional paying device (103) according to consumption information;Multi-functional paying device (103) obtains bank card information, and bank card information and payment information are sent to bank server (104);Bank server (104), for withholing to bank card, determining payment result, be sent to multi-functional paying device (103) and service provider's application server (101) according to bank card information and payment information;Service provider's application server (101) modifies payment information according to payment result;Multi-functional paying device (103) receives and shows payment result.Simple, quick payment may be implemented in the present invention.

Description

A kind of multi-functional fare payment system, device and method
Technical field
The present invention relates to Electronic Finance equipment and system regions more particularly to a kind of multi-functional fare payment systems, device and side Method.
Background technique
In recent years, with the propulsion of rapid development and the integration of three networks of intelligent appliance industry, wired home application environment It gradually forms.In wired home internal network, the intelligence electricity such as intelligent digital television, smart phone, PC, intelligent refrigerator Device interconnects, and mutually merges with external the Internet, to derive various paid services, such as online shopping, payment Program request, long-distance education, order business etc..However, being solved in face of fee payment services such as water rate, the electricity charge, natural gas still without preferable Scheme.These fee payment services currently acquire and pay link in consumption information and all there are some problems.
Link is acquired in energy consumption, is still dispatched officers meter reading of visiting using traditional service provider at present, records consumption information, then typing System carries out the calculating of payment volume, and consumption information can only be counted as unit of entire family, and user can not learn that family is every The energy consumption of one equipment.In payment link, user pays out business realizing payment, Huo Zhetong by handling to service provider site It crosses mobile-phone payment or phone-payment etc. to be paid, these means of payment all bring some problems to user, such as user is to clothes Business quotient site transacting business needs to hurry back and forth back and forth, bothersome laborious;And mobile-phone payment or phone-payment to the operation of user require compared with Height, it is relatively difficult and complicated particularly with payment operation for some older users.
Currently, there are no form a kind of fare payment system for intelligent appliance.It is general with intelligent appliance and broadband network And there is an urgent need to a kind of convenient, fast, safety, it is suitble to the self-help payment system and mode of smart home.
Summary of the invention
The embodiment of the present invention provides a kind of multi-functional fare payment system, device and method, realizes and is filled by multi-functional payment It sets and includes: to the energy consumption acquisition of smart machine in family and payment, the system
Service provider's application server 101, intelligent appliance 102, multi-functional paying device 103, bank server 104;
Consumption information is sent to service provider's application service for acquiring consumption information by multi-functional paying device 103 Device 101, the consumption information include the consumption information of intelligent appliance 102;
Service provider's application server 101, for determining payment information, being sent to multi-functional pay according to consumption information Take device 103;
Multi-functional paying device 103, is also used to obtain bank card information, and bank card information and payment information are sent to silver Row server 104;
Bank server 104, for withholing to bank card, determining payment result according to bank card information and payment information, It is sent to multi-functional paying device 103 and service provider's application server 101;
Service provider's application server 101 is also used to modify payment information according to payment result;
Multi-functional paying device 103, is also used to receive and shows payment result.
The embodiment of the present invention also provides a kind of multi-functional paying device, comprising:
Card reader 201, controller 202 input key 203, display 204, battery 205, communication interface 208;
Card reader 201, for reading bank card information;
Controller 202, the running between various components for coordinating multi-functional paying device;
Key 203 is inputted, for selecting payment information, input bank card password is paid;
Display 204, for showing consumption information, payment information and payment result;
Battery 205, for powering for multi-functional paying device;
Communication interface 208 acquires consumption information for connecting with intelligent appliance;Connect with service provider's application server It connects, consumption information is sent to service provider's application server, receive the payment letter that service provider's application server is sent Breath;It is connect with bank server, bank card information and payment information is sent to bank server, received bank server and send Payment result.
The embodiment of the present invention also provides a kind of fee payment method of aforementioned multi-functional fare payment system, comprising:
Multi-functional paying device 103 acquires consumption information, and consumption information is sent to service provider's application server 101, the consumption information includes the consumption information of intelligent appliance 102;
Service provider's application server 101 determines payment information according to consumption information, is sent to multi-functional paying device 103;
Multi-functional paying device 103 obtains bank card information, and bank card information and payment information are sent to bank service Device 104;
Bank server 104 withholds to bank card according to bank card information and payment information, determines payment result, sends To multi-functional paying device 103 and service provider's application server 101;
Service provider's application server 101 modifies payment information according to payment result;
Multi-functional paying device 103 receives and shows payment result.
A kind of multi-functional fare payment system provided in an embodiment of the present invention, device and method, pass through multi-functional paying device, energy Enough energy consumption acquisitions to smart machine in family are uploaded to service provider's application server after being acquired, and overcome traditional Service provider dispatches officers to visit meter reading, record consumption information, the problem of input system carries out the calculating of payment volume again, realizes energy consumption letter The Quick Acquisition of breath;Meanwhile multi-functional paying device can also complete bank card in the family and operation, the time saving province such as pay, withholds Power, it is easy to operate simple and fast.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with It obtains other drawings based on these drawings.In the accompanying drawings:
Fig. 1 is a kind of multi-functional fare payment system schematic diagram of the embodiment of the present invention.
Fig. 2A is a kind of internal structure reverse side schematic diagram of multi-functional paying device of the embodiment of the present invention.
Fig. 2 B is a kind of internal structure front schematic view of multi-functional paying device of the embodiment of the present invention.
Fig. 2 C is a kind of shell schematic diagram of multi-functional paying device of the embodiment of the present invention.
Fig. 2 D is a kind of stereoscopic schematic diagram of multi-functional paying device of the embodiment of the present invention.
Fig. 3 is a kind of fee payment method schematic diagram of multi-functional fare payment system of the embodiment of the present invention.
Fig. 4 is a kind of application example schematic diagram of the fee payment method of multi-functional fare payment system of the embodiment of the present invention.
Specific embodiment
Understand in order to make the object, technical scheme and advantages of the embodiment of the invention clearer, with reference to the accompanying drawing to this hair Bright embodiment is described in further details.Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but simultaneously It is not as a limitation of the invention.
As shown in a kind of schematic diagram of multi-functional fare payment system of Fig. 1 embodiment of the present invention, the embodiment of the present invention provides one kind Multi-functional fare payment system realizes and acquires and pay the fees by energy consumption of the multi-functional paying device to smart machine in family, this is System includes:
Service provider's application server 101, intelligent appliance 102, multi-functional paying device 103, bank server 104;
Consumption information is sent to service provider's application service for acquiring consumption information by multi-functional paying device 103 Device 101, the consumption information include the consumption information of intelligent appliance 102;
Service provider's application server 101, for determining payment information, being sent to multi-functional pay according to consumption information Take device 103;
Multi-functional paying device 103, is also used to obtain bank card information, and bank card information and payment information are sent to silver Row server 104;
Bank server 104, for withholing to bank card, determining payment result according to bank card information and payment information, It is sent to multi-functional paying device 103 and service provider's application server 101;
Service provider's application server 101 is also used to modify payment information according to payment result;
Multi-functional paying device 103, is also used to receive and shows payment result.
A kind of multi-functional fare payment system provided in an embodiment of the present invention can be in family by multi-functional paying device The energy consumption acquisition of smart machine is uploaded to service provider's application server after being acquired, and overcomes traditional service provider and dispatches officers It visits meter reading, record consumption information, the problem of input system carries out the calculating of payment volume again, realizes quickly adopting for consumption information Collection;Meanwhile multi-functional paying device can also complete bank card in the family and the operation such as pay, withholds, and it is time saving and energy saving, it is easy to operate It is simple and fast.
In a kind of multi-functional fare payment system of the implementation embodiment of the present invention above-mentioned, multi-functional paying device 103, for adopting Collect consumption information, consumption information is sent to service provider's application server 101, the consumption information includes intelligent appliance 102 consumption information;In embodiment, multi-functional paying device 103 is for acquiring consumption information.Intelligent appliance includes intelligence electricity Depending on, a variety of smart machines, the above-mentioned intelligent appliance such as intelligent washing machine, intelligent refrigerator, intelligent air condition, intelligent water heater have system The function of itself consumption information is counted, is capable of the energy input of statistical unit time, therefore intelligent appliance is connected into multi-functional payment and is filled 103 are set, multi-functional paying device 103 acquires the consumption information of intelligent appliance 102, and consumption information is sent to service provider and is answered With server 101;In embodiment, above-mentioned consumption information includes a variety of energy consumptions such as electricity consumption, water consumption and Natural gas consumption Information.
Consumption information is sent to service provider's application server 101 based on multi-functional paying device 103 above-mentioned, In embodiment, service provider's application server 101 is used to determine payment information according to consumption information, be sent to multi-functional pay Take device 103;In embodiment, service provider's application server 101 refers to the server disposed by service provider, service Provider includes power supply bureau, Bureau of Water Resources, Running-water Company, gas company etc.;Energy consumption is sent out in multi-functional paying device 103 It send to service provider's application server 101, by service provider's application server 101 according to consumption information, calculates user Payment information, be sent to multi-functional paying device 103.In embodiment, payment information includes: the content, project, list of payment Valence, energy input, payment amount of money and merchant information etc..
Payment information is sent to multi-functional paying device 103 based on service provider's application server 101 above-mentioned, is used Family can be paid the fees by multi-functional paying device 103.In embodiment, multi-functional paying device 103 above-mentioned, is also used In obtaining bank card information, bank card information and payment information are sent to bank server 104;User fills in multi-functional payment Brush bank card on 103 is set, multi-functional paying device 103 obtains the bank card information, service provider's application server 101 is sent out The payment information and bank card information, packaging ciphering come is sent to bank server 104.
Bank card information and payment information are sent to bank server 104 based on multi-functional paying device 103 above-mentioned, In embodiment, bank server 104 is used to withhold to bank card according to bank card information and payment information, determines payment knot Fruit is sent to multi-functional paying device 103 and service provider's application server 101;In embodiment, bank server 104 It can be mainframe computer, can also be medium and small computer, be responsible for the business processing at bank end during bank paying, packet The bank card information and payment information for receiving that multi-functional paying device 103 is sent are included, bank card information and payment information are carried out Verification and verifying, then withhold to bank card, generate payment result, payment result is sent to multi-functional paying device 103 and service provider's application server 101.
Payment result is sent to multi-functional paying device 103 and service provider based on bank server 104 above-mentioned Application server 101, in embodiment, service provider's application server 101 is also used to according to payment result, modification payment Information.In embodiment, service provider's application server 101 receives payment result, modifies payment information, example according to payment result Such as, it is " payment " by the status modifier of payment information when payment result is successfully, when payment result is failure, will pays The status modifier of charge information is " withholing unsuccessfully ".
Multi-functional paying device 103 above-mentioned is also used to receive and show payment result, reminds subscriber payment success or pays Take failure.
The consumption information that multi-functional paying device 103 above-mentioned acquires further include: the measurement consumption information of instrument.Implementing In example, a variety of energy consumption measurement instrument measurements such as measurement consumption information, including ammeter, water meter, gas meter and gas meter of instrument Obtained consumption information, such as electricity consumption, water consumption, coal gas usage amount and Natural gas consumption etc. are a variety of can consumption.More function Energy paying device 103 connects above-mentioned measuring instrumentss, in real time the consumption information of acquisition or taken at regular intervals instrument measurement.
Multi-functional paying device 103 above-mentioned needs basis to unite according to the period of setting when acquiring consumption information Meter, in embodiment, multi-functional paying device 103 believes energy consumption according to the metering period of service provider's application server 101 Breath is counted according to metering period, is sent to service provider's application server 101;In embodiment, signed with service provider When using contract, it is necessary to the payment time is provided, therefore when using multi-functional fare payment system provided in an embodiment of the present invention, The consumption information by multi-functional 103 ability of paying device is needed to carry out arrangement statistics, according to service provider's application server 101 The consumption information counted is regularly sent to according to service provider's application server 101 by metering period;Service provider answers With server 101 after receiving consumption information, the payment information generated in the period is calculated according to metering period.
In order to read the bank card of a variety of media, in embodiment, the bank that multi-functional paying device 103 above-mentioned is read Card, magnetic stripe card, chip card, nfc card or RFID card including financial institution's distribution.Multi-functional paying device above-mentioned in embodiment 103, when reading bank card information, can read the bank card of diversified forms, may include financial structure distribution in embodiment A plurality of types of bank cards such as magnetic stripe card, chip card, nfc card or RFID card, therefore the embodiment of the present invention can be in the family Identify the bank card of various media, safe pay the fees.In paying out in business payment for the prior art, the remaining sum for account of paying the fees When insufficient, it can not be paid by other bank cards.User will modify payment account, need me to handle again to site, make It hurries back and forth back and forth at user.And multi-functional fare payment system provided in an embodiment of the present invention is used, bank can be directly brushed in the family Card can pay the fees, and when Sorry, your ticket has not enough value for a bank card, can also change other bank cards and pay the fees, and not by bank card The influence of medium, because the multi-functional paying device 103 of the embodiment of the present invention can read the magnetic stripe card of financial institution's distribution, core A variety of medium bank cards such as piece card, nfc card or RFID card, realization are conveniently paid the fees.
Payment result above-mentioned may include: payment successful information and payment failure information in embodiment;Bank service Device 104 is specifically used for: according to bank card information and payment information, multi-functional paying device 103 authenticated, it is true to bank card Reality is verified;It when authenticating and verifying successfully, withholds to bank card, generates payment successful information;In certification and school When testing unsuccessfully, to bank card without withholing, payment failure information is generated.In embodiment, bank server 104 receives bank card After information and payment information, the information and silver of the multi-functional paying device 103 for including to bank card information and payment information first Row card information is authenticated and is verified, and specifically includes certification being carried out to multi-functional paying device 103 and to bank card authenticity It is verified, when multi-functional paying device 103 is authenticated and successfully verified successfully with bank card, then is withholdd to bank card, it is raw At payment successful information;When to multi-functional 103 authentification failure of paying device and/or bank card verification failure, not to bank card It withholds, generates payment failure information.Payment result is sent to service provider's application clothes based on bank service above-mentioned Business device 101, in embodiment, service provider's application server 101 above-mentioned is also used to according to payment result, modification payment Information, comprising: when payment result is payment successful information, service provider's application server 101 is by the state of payment information It is revised as " payment ";When payment result is payment failure information, service provider's application server 101 is by payment information Status modifier is " withholing unsuccessfully ".
It is service provider's application server 101 above-mentioned, more in multi-functional fare payment system provided in an embodiment of the present invention Function paying device 103, bank server 104 are connected with each other by Wide Area Network 105;In embodiment, Wide Area Network 105 is wrapped It includes: the multiple networks such as common telephone communication network, wireless communication networks, Internet interference networks, in wide area network 105, Communication between service provider's application server 101, multi-functional paying device 103 and bank server 104 is using finance Grade cipher mode ensure that the safety of information and data transmission.Intelligent appliance 102 and multi-functional paying device 103 pass through family Internal network 106 is connected with each other.In embodiment, home Intranet 106 may include cable LAN or WLAN etc. Multiple network form;It will be kept apart between wide area network 105 and home Intranet 106 by multi-functional paying device 103, it can be with The safety of system is greatly improved, prevent the information of external wide area network 105 is from invading home Intranet 106, thus So that paying process is safer.In embodiment, multi-functional paying device 103 sends consumption information by wide area network 105 To service provider's application server 101, service provider's application server 101 sends payment information by wide area network 105 To multi-functional paying device 103;Multi-functional paying device 103 is encrypted bank card information and payment information by wide area network 105 It transmits to bank server 104;Payment result is sent to multi-functional payment by wide area network 105 by bank server 104 Device 103 and service provider's application server 101;Multi-functional paying device 103 passes through home Intranet 106 and intelligent family Electricity 102 is connected with various instrument, acquires consumption information.
In multi-functional fare payment system provided in an embodiment of the present invention, a kind of example of subscriber payment is provided:
Multi-functional paying device 103 is according to the metering period of service provider's application server 101, by the energy of intelligent appliance Consumption information and the consumption information of instrument measurement are counted according to metering period, are sent to service provider's application server 101; Service provider's application server 101 determines payment information according to consumption information, is sent to multi-functional paying device 103;With Family selects corresponding payment information, brush bank card on multi-functional paying device, and multi-functional paying device 103 obtains bank card letter Breath, is sent to bank server 104 for bank card information and payment information;Bank server 104 is according to bank card information and pays Charge information authenticates multi-functional paying device 103, verifies to bank card authenticity;When authenticating and verifying successfully, It withholds to bank card, generates payment successful information;When authenticating and verifying failure, to bank card without withholing, generate Pay failure information.It withholds to bank card, determines payment result, be sent to multi-functional paying device 103 and service provider answers With server 101;When payment result is payment successful information, service provider's application server 101 is by the shape of payment information State is revised as " payment ", and multi-functional paying device 103 receives and show payment successful information, reminds subscriber payment success;? When payment result is payment failure information, the status modifier of payment information is " mistake of withholing by service provider's application server 101 Lose ", multi-functional paying device 103 receives and shows payment failed message, reminds subscriber payment failure, reexamines multi-functional pay Whether expense device 103 authenticates correct and bank card information, and whether correct and bank card remaining sum is sufficient.
As a kind of internal structure reverse side schematic diagram of multi-functional paying device of Fig. 2A embodiment of the present invention, Fig. 2 B present invention are real Apply a kind of internal structure front schematic view of multi-functional paying device of example, a kind of multi-functional paying device of Fig. 2 C embodiment of the present invention Shell schematic diagram and a kind of stereoscopic schematic diagram of multi-functional paying device of Fig. 2 D embodiment of the present invention shown in, the embodiment of the present invention A kind of multi-functional paying device is also provided, comprising:
Card reader 201, controller 202 input key 203, display 204, battery 205, communication interface 208;
Card reader 201, input key 203, display 204, battery 205 and communication interface 208 connect with controller 202 respectively It connects, communication interface 208 is connect with intelligent appliance;Communication interface also connects with service provider's application server and bank server It connects;
Card reader 201, for reading bank card information;In embodiment, can read financial institution distribution magnetic stripe card, The bank card of a variety of media such as chip card, nfc card or RFID card;
Controller 202, the running between various components for coordinating multi-functional paying device;In embodiment, it controls Device is connect with components such as card reader 201, input key 203, display 204, battery 205 and communication interfaces 208, controls above-mentioned group Coordinate operation between part;Controller 202 is used for the metering period according to service provider's application server 101 in embodiment, will The consumption information that communication interface 208 acquires is counted according to metering period;Be also used to by bank card information and payment information into Row encryption is packaged, and is sent to bank server by communication interface 208;
Key 203 is inputted, for selecting payment information, input bank card password is paid;In embodiment, input is pressed Key 203 is the channel of the interaction of user and multi-functional paying device, can choose electricity consumption, water consumption, coal gas usage amount or day So corresponding payment information of gas usage amount, inputs the payment cipher of bank card;In embodiment, it can be also used for inputting multi-functional The logon account and login password of paying device.
Display 204, for showing consumption information, payment information and payment result;In embodiment, display 204 is The channel of user's acquisition prompt information;Shown consumption information includes: electricity consumption, water consumption, coal gas usage amount or natural gas Usage amount;Shown payment information includes: electricity consumption, water consumption, coal gas usage amount or the corresponding payment of Natural gas consumption Information;Shown payment result includes: payment successful information and payment failure information;
Battery 205, for powering for multi-functional paying device;In embodiment, battery 205 is also equipped with charging interface, When battery capacity is lower, it can be charged by charging interface, it, also can be to more function while charging to battery 205 Energy paying device is powered, and ensure that the long-time steady operation of multi-functional paying device;In embodiment, battery 205 is also wrapped The function of including solar recharging has ensured the use under power failure.
Communication interface 208 acquires consumption information for connecting with intelligent appliance;Connect with service provider's application server It connects, consumption information is sent to service provider's application server, receive the payment letter that service provider's application server is sent Breath;It is connect with bank server, bank card information and payment information is sent to bank server, received bank server and send Payment result.In embodiment, in order to realize above-mentioned communication need, communication interface can using GSM, CDMA, GPRS, The form and service provider's application server 101 of the mobile communications such as the networks such as 3G, 4G, 5G or wireless WIFI, intelligent family Electricity 102 and bank server 104 are communicated;
In the specific implementation, multi-functional paying device above-mentioned can also include:
Memory 206 is connect with controller 202, for storing consumption information, payment information, bank card information and payment As a result;In embodiment, the consumption information of storage includes electricity consumption, water consumption, coal gas usage amount or Natural gas consumption;Storage Payment information include: electricity consumption, water consumption, coal gas usage amount or the corresponding payment information of Natural gas consumption;The branch of storage Paying result includes: payment successful information and payment failure information;Store the safe code key of multi-functional paying device;In embodiment In, the safe code key of multi-functional paying device authenticates multi-functional paying device for bank server.In embodiment, Memory 206 is also connect with controller 202;
Printing interface 207 is connect with controller 202, and for being connected with external printer, printing consumption information is paid Charge information, bank card information and payment result;Consumption information, payment information, bank card information and the payment result storage In memory 206;Bank card information includes bank card associated financial institution, the information such as bank's card number;In embodiment, it prints Interface 207 is also connect with controller 202;
Multi-functional paying device above-mentioned can also include: shell 209, be set to card reader 201, controller 202, input The outside of key 203, display 204, battery 205, memory 206, printing interface 207 and communication interface 208;Shell 209 is used In the multi-functional paying device internal physical device of protection, Anti-dismantling and disassembly key self-destruction.It is received in multi-functional paying device When external force is destroyed, in initial failure stage, when not destroying the integrality of shell 209, internal physical device and each group are protected Part;When the integrality of shell 209 occurs damaged, safe code key auto-destruct in multi-functional paying device prevents illegal point Son steals internal information.
In the multi-functional paying device of the embodiment of the present invention, such as a kind of multi-functional paying device of Fig. 2 B embodiment of the present invention Internal structure front schematic view shown in, the front of the internal structure of multi-functional paying device includes setting on pcb board front Input key 203 and display 204, as a kind of internal structure reverse side of multi-functional paying device of Fig. 2A embodiment of the present invention shows Shown in intention, the reverse side of the internal structure of multi-functional paying device includes the card reader 201 that pcb board reverse side is arranged in, controller 202, battery 205, memory 206, printing interface 207 and communication interface 208;It is paid as Fig. 2 C one kind of the embodiment of the present invention is multi-functional Take shown in the shell schematic diagram of device, shows that shell 209 wraps up in the front of multi-functional paying device shell and shell rear surface The internal component of this multi-functional paying device;Such as a kind of stereoscopic schematic diagram institute of multi-functional paying device of Fig. 2 D embodiment of the present invention Show, it can be with overview multi-functional paying device provided in an embodiment of the present invention by perspective view.
Based on multi-functional fare payment system above-mentioned, such as a kind of payment side of multi-functional fare payment system of Fig. 3 embodiment of the present invention Shown in method schematic diagram, the embodiment of the present invention also provides a kind of fee payment method of aforementioned multi-functional fare payment system, in one embodiment In, may include:
Step 301: multi-functional paying device 103 acquires consumption information, and consumption information is sent to service provider's application Server 101, the consumption information include the consumption information of intelligent appliance 102;
Step 302: service provider's application server 101 determines payment information according to consumption information, is sent to multi-functional Paying device 103;
Step 303: multi-functional paying device 103 obtains bank card information, and bank card information and payment information are sent to Bank server 104;
Step 304: bank server 104 withholds to bank card according to bank card information and payment information, determines payment knot Fruit is sent to multi-functional paying device 103 and service provider's application server 101;
Step 305: service provider's application server 101 modifies payment information according to payment result;
Step 306: multi-functional paying device 103 receives and shows payment result.
In one embodiment, bank server 104 withholds to bank card according to bank card information and payment information, really Determine payment result, be sent to multi-functional paying device 103 and service provider's application server 101, comprising:
Payment result includes: payment successful information and payment failure information;
Bank server 104 authenticates multi-functional paying device 103 according to bank card information and payment information, right Bank card authenticity is verified;
It when authenticating and verifying successfully, withholds to bank card, generates payment successful information, be sent to multi-functional payment Device 103 and service provider's application server 101;
When authenticating and verifying failure, to bank card without withholing, payment failure information is generated, multi-functional pay is sent to Take device 103 and service provider's application server 101.
The embodiment of the present invention also provides a kind of application example of the fee payment method of above-mentioned multi-functional fare payment system, such as Fig. 4 sheet Shown in a kind of application example schematic diagram of the fee payment method of multi-functional fare payment system of inventive embodiments, comprising: following steps:
Step 401: by multi-functional paying device, according to the payment period that service provider's application server provides, periodically The consumption information for collecting the intelligent appliance, water meter, ammeter, gas meter, natural gas table that are connected to home Intranet, then passes through Wide area network is sent to service provider's application server.
Step 402: service provider's application server generates water power, coal gas, natural gas etc. according to consumption information, by the period The payment information of fee payment service.Payment information includes content, unit price, energy input, payment amount of money and the merchant information of paying service Deng.Payment information is descended into multi-functional paying device by service provider's application server.
Step 403: user can inquire the details item of payment information by multi-functional paying device, including pay Take content, unit price, energy input, payment amount of money and the merchant information etc. of service.User selects the order to be paid the fees.
Step 404: user confirms Transaction Information by multi-functional paying device, and requires user card punching or insertion finance IC Card.Multi-functional paying device obtains bank card information by card reader.
Step 405: multi-functional paying device sends bank after encrypting according to the bank card information and payment information of user and takes Business device, request withhold to bank card.
Step 406: bank server carries out authenticity examination, bank card account status checkout and the password inspection of bank card Look into, the certification of multi-functional paying device, user account certification etc..If bank card is there are problem or Sorry, your ticket has not enough value or user account is deposited Cause transaction to be refused in reasons such as problems, then do not withhold to bank card, generate payment failure information, payment failure information is sent To multi-functional paying device and service provider's application server.
Step 407: if verification of the account by bank server of withholing of user, according to transaction amount and currency type into Row is withholdd, and payment successful information is generated;Bank server returns to payment successful information or payment failure information, arrives service provider Application server and multi-functional paying device.
Step 408: after service provider's application server receives payment result, if payment result is to pay successfully to believe The status modifier of payment information is then " payment " by breath, if payment result is payment failure, by the state of payment information It is revised as " withholing unsuccessfully ".
Step 409: multi-functional paying device receives payment successful information, prompts customer transaction success, completes payment;
The reason of multi-functional paying device receives payment failure information, prompts customer transaction failure, and provides Fail Transaction, Including bank card authenticity questions, Sorry, your ticket has not enough value for bank card account, the certification of bank card password mistake, multi-functional paying device is asked Topic and/or user account authentication question etc..
To sum up, a kind of multi-functional fare payment system, device and side provided in an embodiment of the present invention Method is uploaded to service after capable of being acquired to the energy consumption acquisition of smart machine in family and is provided by multi-functional paying device Quotient's application server, overcome traditional service provider dispatch officers to visit meter reading, record consumption information, input system carries out payment volume again Calculating the problem of, realize the Quick Acquisition of consumption information;Meanwhile multi-functional paying device can also complete bank in the family Block and the operation such as pays, withholds, it is time saving and energy saving, it is easy to operate simple and fast.
Meanwhile the embodiment of the present invention realizes consumption information acquisition automation.The various smart machines in family are realized, Periodically upload consumption information.Service provider, which no longer needs to dispatch officers to visit, obtains consumption information.User can be more by intelligent appliance Energy consumption of the function paying device real-time query to household equipment.Support a variety of means of payment, simple and fast completion payment.This The multi-functional paying device of inventive embodiments supports user that payment card is selected to pay.It is integrated with currently used payment Mode, can brush magnetic stripe card, chip card, brush nfc card, RFID card etc., while supporting key and supporting interface display, it is easy to operate straight It sees, the user experience is improved.Safety with higher.Intelligent appliance and multi-functional paying device are connected by home Intranet It connects, enhances the safety of payment information.Strict peace is used between the multi-functional paying device of intelligent appliance and bank server Full control system, the system reliability with financial level.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer program Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more, The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces The form of product.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates, Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one The step of function of being specified in a box or multiple boxes.
Particular embodiments described above has carried out further in detail the purpose of the present invention, technical scheme and beneficial effects Describe in detail it is bright, it should be understood that the above is only a specific embodiment of the present invention, the guarantor being not intended to limit the present invention Range is protected, all within the spirits and principles of the present invention, any modification, equivalent substitution, improvement and etc. done should be included in this Within the protection scope of invention.

Claims (10)

1. a kind of multi-functional fare payment system characterized by comprising
Service provider's application server (101), intelligent appliance (102), multi-functional paying device (103), bank server (104);
Consumption information is sent to service provider's application server for acquiring consumption information by multi-functional paying device (103) (101), the consumption information includes the consumption information of intelligent appliance (102);
Service provider's application server (101), for determining payment information, being sent to multi-functional payment according to consumption information Device (103);
Multi-functional paying device (103), is also used to obtain bank card information, bank card information and payment information is sent to bank Server (104);
Bank server (104) is sent out for withholing to bank card, determining payment result according to bank card information and payment information It send to multi-functional paying device (103) and service provider's application server (101);
Service provider's application server (101) is also used to modify payment information according to payment result;
Multi-functional paying device (103), is also used to receive and shows payment result.
2. multi-functional fare payment system as described in claim 1, which is characterized in that
The consumption information of multi-functional paying device (103) acquisition further include: the measurement consumption information of instrument.
3. multi-functional fare payment system as described in claim 1, which is characterized in that
Multi-functional paying device (103) according to the metering periods of service provider's application server (101), by consumption information according to Metering period is counted, and service provider's application server (101) are sent to.
4. multi-functional fare payment system as described in claim 1, which is characterized in that
The bank card that the multi-functional paying device (103) is read, magnetic stripe card, chip card, nfc card including financial institution's distribution Or RFID card.
5. multi-functional fare payment system as described in claim 1, which is characterized in that
Payment result includes: payment successful information and payment failure information;
Bank server (104) is specifically used for:
According to bank card information and payment information, multi-functional paying device (103) is authenticated, bank card authenticity is carried out Verification;
It when authenticating and verifying successfully, withholds to bank card, generates payment successful information;
When authenticating and verifying failure, to bank card without withholing, payment failure information is generated.
6. multi-functional fare payment system as described in claim 1, which is characterized in that
Service provider's application server (101), multi-functional paying device (103), bank server (104) pass through Wide Area Network (105) it is connected with each other;
Intelligent appliance (102) and multi-functional paying device (103) are connected with each other by home Intranet (106).
7. a kind of multi-functional paying device characterized by comprising card reader (201), controller (202) input key (203), display (204), battery (205), communication interface (208);
Card reader (201), for reading bank card information;
Controller (202), the running between various components for coordinating multi-functional paying device;
It inputs key (203), for selecting payment information, input bank card password is paid;
Display (204), for showing consumption information, payment information and payment result;
Battery (205), for powering for multi-functional paying device;
Communication interface (208) acquires consumption information for connecting with intelligent appliance;It is connect with service provider's application server, Consumption information is sent to service provider's application server, receives the payment information that service provider's application server is sent; It is connect with bank server, bank card information and payment information is sent to bank server, receive what bank server was sent Payment result.
8. multi-functional paying device as claimed in claim 7, which is characterized in that further include:
Memory (206), connect with controller 202, for storing consumption information, payment information, bank card information and payment knot Fruit;
Printing interface (207), connect with controller 202, for being connected with external printer, printing consumption information, payment Information, bank card information and payment result;
Shell (209) is set to card reader (201), controller (202), input key (203), display (204), battery (205), the outside of memory (206), printing interface (207) and communication interface (208).
9. a kind of fee payment method of the multi-functional fare payment system as described in claim 1-6 is any characterized by comprising
Multi-functional paying device (103) acquires consumption information, and consumption information is sent to service provider's application server (101), the consumption information includes the consumption information of intelligent appliance (102);
Service provider's application server (101) determines payment information according to consumption information, is sent to multi-functional paying device (103);
Multi-functional paying device (103) obtains bank card information, and bank card information and payment information are sent to bank server (104);
Bank server (104) withholds to bank card, determines payment result, be sent to according to bank card information and payment information Multi-functional paying device (103) and service provider's application server (101);
Service provider's application server (101) modifies payment information according to payment result;
Multi-functional paying device (103) receives and shows payment result.
10. method as claimed in claim 9, which is characterized in that including
Bank server (104) withholds to bank card, determines payment result, be sent to according to bank card information and payment information Multi-functional paying device (103) and service provider's application server (101), comprising:
Payment result includes: payment successful information and payment failure information;
Bank server (104) authenticates multi-functional paying device (103) according to bank card information and payment information, right Bank card authenticity is verified;
It when authenticating and verifying successfully, withholds to bank card, generates payment successful information, be sent to multi-functional paying device (103) and service provider's application server (101);
When authenticating and verifying failure, to bank card without withholing, payment failure information is generated, multi-functional payment dress is sent to Set (103) and service provider's application server (101).
CN201910665286.8A 2019-07-23 2019-07-23 A kind of multi-functional fare payment system, device and method Pending CN110264185A (en)

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