CN205334535U - Collect fiscard payment and settle accounts in device of an organic whole - Google Patents
Collect fiscard payment and settle accounts in device of an organic whole Download PDFInfo
- Publication number
- CN205334535U CN205334535U CN201521102798.7U CN201521102798U CN205334535U CN 205334535 U CN205334535 U CN 205334535U CN 201521102798 U CN201521102798 U CN 201521102798U CN 205334535 U CN205334535 U CN 205334535U
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- payment
- financial card
- settled accounts
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Abstract
The embodiment of the utility model discloses collect fiscard payment and settle accounts in device of an organic whole, including control module, fiscard module, POS module and short distance communication module, wherein, control module receives the payment request that comes from outside mobile terminal and will pay and ask to transmit to deliver to the POS module through short distance communication module, and the payment mark is sent through control module to the POS module to the fiscard module, generates the POS message behind the POS module receipt payment mark and sends the operator to POS. The utility model is used for as an organic whole with POS module integration with the fiscard module, the consumer can use the utility model discloses a collect fiscard payment and settle accounts in device of an organic whole carries out convenient payment after trade company entity shop (including the trade company that is equipped with or is not equipped with the POS terminal) or online shopping mall's consumption.
Description
Technical field
This utility model belongs to payment technical field, is specifically related to a kind of financial card paying and device settled accounts of integrating。
Background technology
The payment and settlement pattern of existing use bank card consumption generally include in online lower consumption and payment clearing scene by bank card brush POS terminal carry out payment and settlement pattern and on line consumption and payment settle accounts and scene is passed through bank net or third party's fast payment etc. carry out the pattern of payment and settlement and other payment and settlement patterns。
Such as, under a certain line in consumption and payment clearing scene, consumer is when merchant entities shop purchase and consumption carries out payment and settlement, and consumer uses bank card in the cashier place brush POS terminal of businessman to pay the expense of purchased commodity。In such a scenario, bank card and POS terminal are two independent individuals being separated, and wherein, bank card is held in one's own possession by consumer, and POS terminal is held by businessman。
At present, at home, not all of businessman is designed with POS terminal, and particularly some small merchant or backwoodsman businessman are not provided with POS terminal。In this case, consumer uses bank card brush POS terminal to carry out payment and settlement and be limited, and particularly when the cash of abundance is not carried or do not carried in consumer, influence is more very。Even if businessman is provided with POS terminal in its solid shop/brick and mortar store, in some megastore, supermarket, being always difficult to avoid cashier place to be detained many waits needs to carry out the crowd of payment and settlement。
Utility model content
The technical problems to be solved in the utility model is to provide a kind of financial card paying and device settled accounts of integrating, for fiscard module and POS module are become one, do shopping in merchant entities shop or online shopping mall convenience when carrying out payment and settlement and safety increasing consumer。
For solving above-mentioned technical problem, this utility model adopts the following technical scheme that:
A kind of financial card paying and device settled accounts of integrating, including controlling module, fiscard module, POS module and short distance communication module, four are integrated in same hardware device, wherein, control module received from the payment request of outside mobile terminal by short distance communication module and ask forwarding to deliver to POS module payment, fiscard module sends payment labelling by controlling module to POS module, and the reception of POS module generates POS message after paying labelling and sends to POS operator。
In one preferred embodiment, fiscard module is used for storing financial card information, controls module and sends payment labelling generation instruction to fiscard module, and the reception of fiscard module pays labelling and generates instruction and be used for the payment labelling paid according to financial card information generation。
In one preferred embodiment, the POS message that POS module generates is through controlling module, short distance communication module, mobile terminal transmission to POS operator, and POS operator returns the E-Payment result comprising settlement information to mobile terminal。
In one preferred embodiment, described financial card information includes original marking and key, and fiscard module generates according to original marking and key and pays labelling。
In one preferred embodiment, controlling module and include micro-control unit, fiscard module includes safety element。
In one preferred embodiment, described financial card information includes fiscard account information, fiscard effect duration information。
In one preferred embodiment, described payment labelling includes original marking part and dynamic random number。
In one preferred embodiment, the several calculating by hashing algorithm according to original marking of described dynamic random is generated。
In one preferred embodiment, described dynamic random number is associated with dynamic time series。
In one preferred embodiment, described original marking is generated by high in the clouds payment services。
In one preferred embodiment, described original marking is generated by high in the clouds payment services notification indicia service provider。
In one preferred embodiment, by high in the clouds payment services, described original marking notifies that on line, Third-party payment platform generates。
In one preferred embodiment, described integrate financial card paying and bidirectional safe certification that the device settled accounts is undertaken between POS module and POS operator by mobile terminal。
In one preferred embodiment, mobile terminal is carried out data transmission with POS operator by cloud service platform。
In one preferred embodiment, described short distance communication module is connected with mobile terminal by wiredly and/or wirelessly mode。
In one preferred embodiment, it is further provided with magnetic field impulse transmitting antenna and/or NFC antenna。
In one preferred embodiment, the described financial card paying that integrates is provided with power module with the device settled accounts。
This utility model is adopted to have following beneficial effect:
1, consumer can use and integrate financial card paying disclosed in this utility model and the device settled accounts carries out payment and settlement in merchant entities shop (including having been provided with or being not equipped with the businessman of POS terminal), it is also possible to carry out payment and settlement after online shopping mall's purchase and consumption。
2, fiscard module and POS module are grouped as one by this utility model, the POS terminal of trade company converts to the POS module that consumer holds in one's own possession, improves consumer payment safety and convenience。
3, fiscard module and POS module are grouped as one by this utility model, solve the safety problem because traditional POS terminal is caused bank card information to be stolen by malice。
4, this utility model is by arranging safety element, for preventing outside malice from resolving attack, can protect data safety。
5, by being provided with magnetic field impulse transmitting antenna or NFC antenna so that this utility model embodiment integrate financial card paying and the device settled accounts can pay in the POS terminal of trade company, realize slitless connection with the existing independent POS terminal means of payment。
Accompanying drawing explanation
Fig. 1 is that this utility model integrates financial card paying and the theory diagram of the device settled accounts；
Fig. 2 is that this utility model integrates financial card paying and the payment information of the device settled accounts circulation schematic diagram。
Detailed description of the invention
Below in conjunction with the accompanying drawing in this utility model embodiment, the technical scheme in this utility model embodiment is clearly and completely described, it is clear that described embodiment is a part of embodiment of this utility model, rather than whole embodiments。Based on the embodiment in this utility model, the every other embodiment that those of ordinary skill in the art obtain under not making creative work premise, broadly fall into the scope of this utility model protection。
Financial card paying and the device 10 settled accounts is integrated, including fiscard module 102, POS (PointOfSale) module 103, short distance communication module 101 and control module 104 with reference to a kind of shown in Fig. 1。Wherein, control module 104 and be electrically connected with fiscard module 102, POS module 103, short distance communication module 101 respectively, to coordinate the duty and function setting, the adjustment that control between fiscard module 102, POS module 103, short distance communication module 101；Short distance communication module 101 is integrate the communication interface between financial card paying and the device settled accounts and the mobile terminal such as personal computer (PersonalComputer is called for short PC) or smart mobile phone。Integrate financial card paying and the device 10 settled accounts is additionally provided with power module。
On the one hand, control module 104 and sent the payment request come by the mobile terminal outside the reception of short distance communication module, and ask forwarding to deliver to POS module 103 payment；On the other hand, fiscard module 102 sends payment labelling by controlling module 104 to POS module 103, and POS module 103 receives after paying labelling and generates POS message。The POS message that POS module 103 sends can be controlled module 104, short distance communication module 101, mobile terminal by POS message transmission to POS operator。Wherein, magnetic field impulse marking can be divided into pay labelling by paying labelling and IC marking pays the types such as labelling (such as meeting ISO14443 consensus standard)。
Referring to Fig. 1 and 2, controlling module 104 can be micro-control unit (MicrocontrollerUnit is called for short MCU), and fiscard module can be safety element (SecureElement is called for short SE)。Safety element generally provides with chip form, for preventing outside malice from resolving attack, protects data safety, is generally provided with encryption/decryption logic circuit in the chips。Safety element is used for storing original marking and key, micro-control unit can send to safety element and pay labelling generation instruction, safety element receives and pays labelling generation instruction, and adopts certain algorithm to generate the payment labelling for paying according to original marking and key at the control。Pay labelling and mainly comprise two parts data, i.e. original marking part and dynamic random fractional part。For improving the safety paid, the various key elements being favorably improved payment safety can be introduced at dynamic random fractional part。Such as, dynamic random fractional part can calculate generation according to original marking by hashing algorithm；Using dynamic time series as one of reference basis generating payment labelling, the dynamic random fractional part of payment labelling can also be made to be associated with dynamic time series, such that it is able to the potential safety hazard of original marking part of preventing to a certain extent。
Wherein, in safety element, the original marking of storage can be generated by high in the clouds payment services, and high in the clouds payment services are the online service platform of the mobile payment program installed on mobile terminal。Original marking can also be generated by high in the clouds payment services notification indicia service provider (such as bankcard association etc.), then by labelling service provider, the original marking of generation is back to high in the clouds payment services。By high in the clouds payment services, original marking can also notify that on line, Third-party payment platform generates, and is then back to high in the clouds payment services by Third-party payment platform on line by the original marking of generation。Specifically which side generates original marking by, depend on payment account type that user uses (such as bank card account, or hundred pairs of precious accounts, wealth pay the Third-party payment accounts etc. such as logical account, telecommunications wing payment account, the fertile payment account of UNICOM) and each inter-agency business associate pattern。
By short distance communication module 101, the device integrating financial card paying and settle accounts can be connected with mobile terminal by wired or wireless communication modes, such as, original marking is sent to integrating financial card paying and the device settled accounts by labelling service provider or high in the clouds payment services directly or indirectly by mobile terminal。Specifically, short distance communication module 101 can be usb interface module or bluetooth module or Wifi module, the wired or wireless communication modes that can also realize for other modes, by short distance communication module 101 move terminal and integrate between financial card paying and the device settled accounts data transmission time, the transmission of all of data is all through encryption, to prevent information leakage。
When payment and settlement completes, E-Payment result is back to mobile terminal by POS operator, pays object information by mails and can show on mobile terminal, records and inquire about。Generally speaking, outside mobile terminal is to integrating financial card paying and the device 10 transmission payment request settled accounts, POS module 103 is to pay request and to pay the payment being labeled as according to being traded, and by mobile terminal, POS message is sent to POS operator, POS operator docks with conventional payment network and carries out payment and settlement, finally by POS operator to mobile terminal return electron payment result information。
The bank card independent relative to existing employing is swiped the card the form of payment and settlement in independent POS terminal, what this utility model adopted integrate financial card paying and the device settled accounts by fiscard module (being equal to bank card) and POS module (being equal to POS terminal) and accordingly payment function combine, thus forming knockdown version, substantially increase convenience and the safety of payment and settlement of swiping the card。
With reference to Fig. 2, illustrate use arrangement above integrate financial card paying and payment information circulation flow process when the device settled accounts pays (payment information includes paying asks, pay labelling, POS message, pay result etc. by mails, in figure, number designation before payment information plays the mark action that schematically sequentially circulates, but it is not limited to the sequential flow shown in figure go to step), particularly as follows: outside mobile terminal 20 is to integrating financial card paying and the device 10 transmission payment request settled accounts, payment request can include dealing money, exchange hour, the every terms of informations such as merchant information；The request that pays is transferred to control module 104 through short distance communication module 101, sends afterwards and initiates to pay to POS module 103；Fiscard module 102 sends payment labelling by controlling module 104 to POS module 103；The POS message that POS module 103 generates sends to POS operator 30 through control module 104, short distance communication module 101, mobile terminal 20, POS operator 30 docks with conventional payment network 40 and carries out payment and settlement, is finally returned the E-Payment object information comprising settlement information to mobile terminal 20 by POS operator 30。
Carry out in the flow process of payment and settlement using the device integrating financial card paying and settle accounts, some checking links can be set, such as, run on mobile terminal application program (as with integrate financial card paying and the corresponding APP of the device settled accounts) time, it is necessary to user inputs password and is verified or uses fingerprint authentication mode；Consumer is set and inputs, at mobile terminal, the link that password carries out paying；Consumer's signature link is set；The link of signature (as checking bank card photo) is checked in setting。
Integrate financial card paying and when the device settled accounts pays using, integrate financial card paying and bidirectional safe certification that the device settled accounts can be undertaken between POS module and POS operator by mobile terminal。Data interaction between mobile terminal and POS operator can also be undertaken transferring by cloud service platform。
The financial card paying that integrates of this utility model embodiment can also be simultaneously provided with magnetic field impulse transmitting antenna and NFC antenna with the device settled accounts or individually one of be provided with, it is possible to realize paying either directly through independent POS terminal。Wherein, magnetic field impulse transmitting antenna (such as completes transaction payment for launching magnetic field impulse marking payment labelling to the magnetic head of conventional POS terminals in POS terminal, it is CN104867008A with reference to publication number, name is called the Chinese utility model patent application of method of mobile payment and system thereof under a kind of line), NFC antenna pays message (such as completing transaction payment in the POS terminal with NFC sudden strain of a muscle pair function, NFC pays message and can be generated by fiscard module) for launching NFC to POS terminal。
Should be appreciated that exemplary embodiment as herein described is illustrative and be not restrictive。Although being described in conjunction with the accompanying one or more embodiment of the present utility model, those of ordinary skill in the art are to be understood that, when the spirit and scope of the present utility model limited without departing from claims, it is possible to make the change of various forms and details。
Claims (17)
1. one kind integrates financial card paying and the device settled accounts, it is characterized in that, including controlling module, fiscard module, POS module and short distance communication module, four are integrated in same hardware device, wherein, control module received from the payment request of outside mobile terminal by short distance communication module and ask forwarding to deliver to POS module payment, fiscard module sends payment labelling by controlling module to POS module, and the reception of POS module generates POS message after paying labelling and sends to POS operator。
2. described in claim 1, integrate financial card paying and the device settled accounts, it is characterized in that, fiscard module is used for storing financial card information, controlling module and send payment labelling generation instruction to fiscard module, the reception of fiscard module pays labelling and generates instruction and be used for the payment labelling paid according to financial card information generation。
3. described in claim 1 or 2, integrate financial card paying and the device settled accounts, it is characterized in that, the POS message that POS module generates is through controlling module, short distance communication module, mobile terminal transmission to POS operator, and POS operator returns the E-Payment result comprising settlement information to mobile terminal。
4. described in claim 2, integrate financial card paying and the device settled accounts, it is characterised in that described financial card information includes original marking and key, and fiscard module generates payment labelling according to original marking and key。
5. described in claim 1, integrate financial card paying and the device settled accounts, it is characterised in that control module includes micro-control unit, and fiscard module includes safety element。
6. described in claim 2 or 4, integrate financial card paying and the device settled accounts, it is characterised in that described financial card information includes fiscard account information, fiscard effect duration information。
7. described in claim 4, integrate financial card paying and the device settled accounts, it is characterised in that described payment labelling includes original marking part and dynamic random number。
8. described in claim 7, integrate financial card paying and the device settled accounts, it is characterised in that described dynamic random is several calculates generation according to original marking by hashing algorithm。
9. described in claim 7, integrate financial card paying and the device settled accounts, it is characterised in that described dynamic random number is associated with dynamic time series。
10. described in claim 4 or 7, integrate financial card paying and the device settled accounts, it is characterised in that described original marking is generated by high in the clouds payment services。
11. integrate financial card paying and the device settled accounts described in claim 4 or 7, it is characterised in that described original marking is by the generation of high in the clouds payment services notification indicia service provider。
12. integrate financial card paying and the device settled accounts described in claim 4 or 7, it is characterised in that described original marking is notified Third-party payment platform generation on line by high in the clouds payment services。
13. integrate financial card paying and the device settled accounts described in claim 1, it is characterised in that described integrate financial card paying and bidirectional safe certification that the device settled accounts is undertaken between POS module and POS operator by mobile terminal。
14. integrate financial card paying and the device settled accounts described in claim 3, it is characterised in that mobile terminal is carried out data transmission by cloud service platform and POS operator。
15. integrate financial card paying and the device settled accounts described in claim 1, it is characterised in that described short distance communication module is passed through wiredly and/or wirelessly mode and is connected with mobile terminal。
16. integrate financial card paying and the device settled accounts described in claim 1, it is characterised in that be further provided with magnetic field impulse transmitting antenna and/or NFC antenna。
17. integrate financial card paying and the device settled accounts described in claim 1, it is characterised in that the described financial card paying that integrates is provided with power module with the device settled accounts。
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201521102798.7U CN205334535U (en) | 2015-12-25 | 2015-12-25 | Collect fiscard payment and settle accounts in device of an organic whole |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201521102798.7U CN205334535U (en) | 2015-12-25 | 2015-12-25 | Collect fiscard payment and settle accounts in device of an organic whole |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN205334535U true CN205334535U (en) | 2016-06-22 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201521102798.7U Expired - Fee Related CN205334535U (en) | 2015-12-25 | 2015-12-25 | Collect fiscard payment and settle accounts in device of an organic whole |
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| Country | Link |
|---|---|
| CN (1) | CN205334535U (en) |
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- 2015-12-25 CN CN201521102798.7U patent/CN205334535U/en not_active Expired - Fee Related
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| Date | Code | Title | Description |
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| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20160622 Termination date: 20171225 |
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| CF01 | Termination of patent right due to non-payment of annual fee |