CN210691382U - Multifunctional payment device - Google Patents
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- CN210691382U CN210691382U CN201921159905.8U CN201921159905U CN210691382U CN 210691382 U CN210691382 U CN 210691382U CN 201921159905 U CN201921159905 U CN 201921159905U CN 210691382 U CN210691382 U CN 210691382U
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Abstract
The utility model provides a multi-functional payment device, include: the system comprises a card reader (201), a controller (202), input keys (203), a display (204), a battery (205) and a communication interface (208); the card reader (201), the input keys (203), the display (204), the battery (205) and the communication interface (208) are respectively connected with the controller (202), and the communication interface (208) is connected with the intelligent household appliance; the communication interface (208) is also connected with the service provider application server and the bank server; through the multifunctional payment device provided by the embodiment of the utility model, the energy consumption of the intelligent equipment in the family can be collected and uploaded to the application server of the service provider, so that the energy consumption information can be rapidly collected; meanwhile, the multifunctional payment device can complete bank card payment, money deduction and other operations at home, time and labor are saved, and the operation is convenient, simple and rapid.
Description
Technical Field
The utility model relates to a finance electronic equipment field especially relates to a multi-functional payment device.
Background
In recent years, with the rapid development of the intelligent household appliance industry and the advancement of integration of three networks, an intelligent household application environment is gradually formed. In an internal network of an intelligent home, intelligent digital televisions, intelligent mobile phones, personal computers, intelligent refrigerators and other intelligent electrical appliances are interconnected and intercommunicated and are mutually fused with the external internet, so that various payment services such as online shopping, payment on demand, remote education, ordering services and the like are derived. However, there is no good solution for water, electricity, and gas payment services. These payment services all have some problems in the energy consumption information acquisition and payment links at present.
In the energy consumption collection link, the traditional service provider is still adopted to distribute, check meter, record energy consumption information and input the system to calculate the payment amount, the energy consumption information can only be counted by taking the whole family as a unit, and a user cannot know the energy consumption condition of each device of the family. In the payment link, the user can pay by handling the service of the agent payment at the service provider network site, or pay by mobile phone payment or telephone payment, and the payment modes all bring problems to the user, for example, the user needs to go back and forth to handle the service at the service provider network site, which wastes time and labor; however, mobile phone payment or telephone payment has high operation requirements on users, and particularly, for some older users, payment operation is difficult and complicated.
Currently, there is no payment device for intelligent appliances. Along with the popularization of intelligent household appliances and broadband networks, a convenient, quick and safe self-service payment device suitable for intelligent home is urgently needed.
SUMMERY OF THE UTILITY MODEL
The embodiment of the utility model provides a multi-functional payment device has realized collecting and paying by oneself the energy consumption of smart machine in the family, and the device includes:
the system comprises a card reader 201, a controller 202, input keys 203, a display 204, a battery 205 and a communication interface 208;
the card reader 201, the input keys 203, the display 204, the battery 205 and the communication interface 208 are respectively connected with the controller 202, and the communication interface 208 is connected with the intelligent household appliance; the communication interface is also connected with the service provider application server and the bank server;
the card reader 201 is used for reading bank card information;
the controller 202 is used for coordinating the operation among all components of the multifunctional payment device;
an input key 203 for selecting payment information and inputting a bank card password for payment;
the display 204 is used for displaying energy consumption information, payment information and payment results;
the battery 205 is used for supplying power to the multifunctional payment device;
the communication interface 208 is configured to collect energy consumption information of the smart home appliance, send the energy consumption information to the service provider application server, receive payment information sent by the service provider application server, send bank card information and payment information to the bank server, and receive a payment result sent by the bank server.
The embodiment of the utility model provides a multi-functional payment device can upload to service provider application server after gathering the energy consumption collection of intelligent equipment in the family, has overcome traditional service provider distributor and has gone to the house and check meter, record energy consumption information, the problem of the system of typing in again and pay the calculation of amount, has realized the quick collection of energy consumption information; meanwhile, the multifunctional payment device can complete bank card payment, money deduction and other operations at home, time and labor are saved, and the operation is convenient, simple and rapid.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts. In the drawings:
fig. 1A is a schematic view of a reverse side of an internal structure of a multifunctional payment device according to an embodiment of the present invention.
Fig. 1B is a schematic front view of an internal structure of a multifunctional payment device according to an embodiment of the present invention.
Fig. 1C is a schematic view of a housing of a multifunctional payment device according to an embodiment of the present invention.
Fig. 1D is a schematic perspective view of the embodiment of the utility model provides a multifunctional payment device.
Fig. 2 is a schematic view of a payment system using a multifunctional payment device according to an embodiment of the present invention.
Fig. 3 is a schematic diagram of a payment process using a multifunctional payment device according to an embodiment of the present invention.
Fig. 4 is a schematic diagram of an example payment process using a multifunctional payment device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are described in further detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
As fig. 1A the utility model provides a multi-functional payment device's inner structure reverse side schematic diagram, fig. 1B the utility model provides a multi-functional payment device's inner structure positive schematic diagram, fig. 1C the utility model provides a multi-functional payment device's shell schematic diagram and fig. 1D the utility model provides a multi-functional payment device's stereogram is shown, the embodiment of the utility model provides a multi-functional payment device, include: the system comprises a card reader 201, a controller 202, input keys 203, a display 204, a battery 205 and a communication interface 208;
the card reader 201, the input keys 203, the display 204, the battery 205 and the communication interface 208 are respectively connected with the controller 202, and the communication interface 208 is connected with the intelligent household appliance; the communication interface 208 is also connected to the service provider application server and the bank server;
the card reader 201 is used for reading bank card information;
the controller 202 is used for coordinating the operation among all components of the multifunctional payment device;
an input key 203 for selecting payment information and inputting a bank card password for payment;
the display 204 is used for displaying energy consumption information, payment information and payment results;
the battery 205 is used for supplying power to the multifunctional payment device;
the communication interface 208 is configured to collect energy consumption information of the smart home appliance, send the energy consumption information to the service provider application server, receive payment information sent by the service provider application server, send bank card information and payment information to the bank server, and receive a payment result sent by the bank server.
The embodiment of the utility model provides a multi-functional payment device can upload to service provider application server after gathering the energy consumption collection of intelligent equipment in the family, has overcome traditional service provider distributor and has gone to the house and check meter, record energy consumption information, the problem of the system of typing in again and pay the calculation of amount, has realized the quick collection of energy consumption information; meanwhile, the multifunctional payment device can complete bank card payment, money deduction and other operations at home, time and labor are saved, and the operation is convenient, simple and rapid.
The card reader 201 of the multifunctional payment device is used for reading bank card information; in an embodiment, the card reader 201 may read a bank card of a plurality of media such as a magnetic stripe card, a chip card, an NFC card, or an RFID card issued by a financial institution;
the controller 202 of the multifunctional payment device is used for coordinating operations among components of the multifunctional payment device; in the embodiment, the controller is connected with the card reader 201, the input keys 203, the display 204, the battery 205, the communication interface 208 and other components, and controls the coordination operation among the components; in the embodiment, the controller 202 is configured to count the energy consumption information acquired by the communication interface 208 according to a charging period of the service provider application server 101; the system is also used for encrypting and packaging the bank card information and the payment information and sending the bank card information and the payment information to a bank server through a communication interface 208;
the input key 203 of the multifunctional payment device is used for selecting payment information and inputting a bank card password for payment; in the embodiment, the input key 203 is an interactive channel between a user and the multifunctional payment device, and can select payment information corresponding to electricity consumption, water consumption, gas consumption or natural gas consumption and input a payment password of a bank card; in an embodiment, the method can also be used for inputting a login account and a login password of the multifunctional payment device.
The display 204 of the multifunctional payment device is used for displaying energy consumption information, payment information and payment results; in an embodiment, the display 204 is a channel for a user to obtain prompt information; the displayed energy consumption information includes: electricity consumption, water consumption, coal gas consumption or natural gas consumption; the displayed payment information includes: payment information corresponding to electricity consumption, water consumption, coal gas consumption or natural gas consumption; the displayed payment results include: payment success information and payment failure information;
the battery 205 of the multifunctional payment device is used for supplying power to the multifunctional payment device; in an embodiment, the battery 205 further has a charging interface, when the battery has a low electric quantity, the battery can be charged through the charging interface, and the multifunctional payment device can be powered while the battery 205 is charged, so that long-time stable operation of the multifunctional payment device is ensured; in the embodiment, the battery 205 further includes a solar charging function, which ensures the use in the power failure state.
The communication interface 208 of the multifunctional payment device is used for connecting with an intelligent household appliance and acquiring energy consumption information; the energy consumption information is sent to the service provider application server, and the payment information sent by the service provider application server is received; and the payment server is connected with the bank server, sends the bank card information and the payment information to the bank server and receives a payment result sent by the bank server. In the embodiment, in order to implement the above communication requirement, the communication interface may adopt a mobile communication mode such as GSM, CDMA, GPRS, 3G, 4G, 5G, and the like, or a wireless WIFI mode to communicate with the service provider application server 101, the intelligent home appliance 102, and the bank server 104;
in specific implementation, the multifunctional payment device may further include:
the memory 206 is connected with the controller 202 and is used for storing energy consumption information, payment information, bank card information and payment results; in an embodiment, the stored energy consumption information includes electricity usage, water usage, gas usage, or natural gas usage; the stored payment information includes: payment information corresponding to electricity consumption, water consumption, coal gas consumption or natural gas consumption; the stored payment results include: payment success information and payment failure information; storing a safety secret key of the multifunctional payment device; in an embodiment, the security key of the multifunctional payment device is used for the bank server to authenticate the multifunctional payment device. In an embodiment, the memory 206 is also connected to the controller 202;
the multifunctional payment device may further include: a printing interface 207 connected to the controller 202, for connecting to an external printer to print the energy consumption information, the payment information, the bank card information, and the payment result; the energy consumption information, the payment information, the bank card information and the payment result are stored in the memory 206; the bank card information comprises information such as financial institutions to which the bank cards belong, bank card numbers and the like; in an embodiment, the print interface 207 is also connected to the controller 202;
the multifunctional payment device may further include: and a housing 209 disposed outside the card reader 201, the controller 202, the input keys 203, the display 204, the battery 205, the memory 206, the print interface 207, and the communication interface 208. The shell 209 is used for protecting the internal physical equipment of the multifunctional payment device, preventing disassembly and preventing the disassembly key from being self-destroyed. When the multifunctional payment device receives external force damage, in an initial damage stage, when the shell 209 is not damaged, internal physical equipment and all components are protected; when the shell 209 is damaged, the security key in the multifunctional payment device is automatically destroyed to prevent lawless persons from stealing internal information.
In the embodiment, the card reader 201, the input keys 203, the display 204, the battery 205, the memory 206, the printing interface 207 and the communication interface 208 are respectively connected with the controller 202, and the communication interface 208 is connected with the intelligent household appliance through an in-home network; communication interface 208 also interfaces with service provider application servers and bank servers via a wide area network.
In the multifunctional payment device of the embodiment of the present invention, as shown in fig. 1B, the front side of the internal structure of the multifunctional payment device of the embodiment of the present invention is shown in the schematic view, and the front side of the internal structure of the multifunctional payment device includes an input button 203 and a display 204 disposed on the front side of the PCB; as shown in fig. 1A, the reverse side of the internal structure of the multifunctional payment device in the embodiment of the present invention is schematically illustrated, the reverse side of the internal structure of the multifunctional payment device includes a card reader 201, a controller 202, a battery 205, a memory 206, a printing interface 207 and a communication interface 208, which are disposed on the reverse side of the PCB; as shown in fig. 1C, the schematic diagram of the shell of the multifunctional payment device according to the embodiment of the present invention shows that the shell 209 wraps the internal components of the multifunctional payment device on the front side and the back side of the shell of the multifunctional payment device; as shown in fig. 1D the embodiment of the utility model provides a multi-functional payment device's stereogram is shown, can overview through the stereogram the embodiment of the utility model provides a multi-functional payment device.
The energy consumption information collected by the communication interface 208 of the multifunctional payment device includes: energy consumption information of the intelligent household appliance. The intelligent household appliances comprise various intelligent devices such as an intelligent television, an intelligent washing machine, an intelligent refrigerator, an intelligent air conditioner and an intelligent water heater, and have the function of counting energy consumption information per se, and the energy consumption per unit time can be counted, so that the communication interface 208 is connected with the intelligent household appliances to collect the energy consumption information counted per se by the intelligent household appliances.
The communication interface 208 of the multifunctional payment device is further connected with the energy consumption meter, and is used for collecting the measured energy consumption information of the energy consumption meter. In an embodiment, the measured energy consumption information of the energy consumption meter includes energy consumption information measured by various energy consumption measuring meters such as an electric meter, a water meter, a gas meter and a natural gas meter, for example, various energy consumption amounts such as electricity consumption, water consumption, gas consumption and natural gas consumption. The communication interface 208 is connected with the energy consumption meter, and is used for collecting energy consumption information measured by the meter in real time or periodically.
The controller 202 of the multifunctional payment device counts the energy consumption information according to the charging period of the service provider application server, and sends the energy consumption information to the service provider application server through the communication interface 208.
The bank card read by the card reader 201 of the multifunctional payment device includes a bank card of multiple media or forms such as a magnetic stripe card, a chip card, an NFC card or an RFID card issued by a financial institution.
The communication interface 208 of the multifunctional payment device is connected with the service provider application server and the bank server through a wide area network,
the communication interface 208 of the multifunctional payment device is connected to the intelligent household appliance through the home internal network.
According to fig. 2 the embodiment of the utility model provides an it is shown that use multi-functional payment device's payment system schematic diagram, the embodiment of the utility model provides an use above-mentioned multi-functional payment device's payment system has realized gathering and collecting fee the energy consumption of intelligent equipment in the family through multi-functional payment device, and this system includes:
a service provider application server 101, an intelligent household appliance 102, a multifunctional payment device 103 and a bank server 104;
the multifunctional payment device 103 is used for acquiring energy consumption information and sending the energy consumption information to the service provider application server 101, wherein the energy consumption information comprises energy consumption information of the intelligent household appliance 102;
the service provider application server 101 is used for determining payment information according to the energy consumption information and sending the payment information to the multifunctional payment device 103;
the multifunctional payment device 103 is further configured to acquire bank card information and send the bank card information and payment information to the bank server 104;
the bank server 104 is used for deducting money from the bank card according to the bank card information and the payment information, determining a payment result and sending the payment result to the multifunctional payment device 103 and the service provider application server 101;
the service provider application server 101 is further configured to modify payment information according to the payment result;
the multifunctional payment device 103 is further configured to receive and display a payment result.
The embodiment of the utility model provides an use payment system of above-mentioned multi-functional payment device, through multi-functional payment device, can upload to service provider application server after gathering the energy consumption collection of intelligent equipment in the family, overcome traditional service provider distributor and go to the meter reading, record energy consumption information, the problem of the system calculation of paying the amount of typing in again, realized energy consumption information's quick collection; meanwhile, the multifunctional payment device can complete bank card payment, money deduction and other operations at home, time and labor are saved, and the operation is convenient, simple and rapid.
When the payment system of the embodiment of the present invention is applied, the multifunctional payment device 103 is used for acquiring energy consumption information and sending the energy consumption information to the service provider application server 101, where the energy consumption information includes energy consumption information of the intelligent household appliance 102; in an embodiment, the multifunctional payment device 103 is used for collecting energy consumption information. The intelligent household appliances comprise various intelligent devices such as an intelligent television, an intelligent washing machine, an intelligent refrigerator, an intelligent air conditioner, an intelligent water heater and the like, have the function of counting energy consumption information per se, and can count the energy consumption in unit time, so that the intelligent household appliances are connected with the multifunctional payment device 103, the multifunctional payment device 103 collects the energy consumption information of the intelligent household appliances 102, and the energy consumption information is sent to the service provider application server 101; in an embodiment, the energy consumption information includes a plurality of energy consumption information such as power consumption, water consumption, and natural gas consumption.
Based on the foregoing multifunctional payment device 103, sending the energy consumption information to the service provider application server 101, in an embodiment, the service provider application server 101 is configured to determine payment information according to the energy consumption information, and send the payment information to the multifunctional payment device 103; in an embodiment, the service provider application server 101 refers to a server deployed by a service provider, the service provider including a power supply bureau, a water service bureau, a water company, a gas company, and the like; after the multifunctional payment device 103 sends the energy consumption condition to the service provider application server 101, the service provider application server 101 calculates payment information of the user according to the energy consumption information, and sends the payment information to the multifunctional payment device 103. In an embodiment, the payment information includes: the payment contents, items, unit price, energy consumption, payment amount, merchant information and the like.
Based on the aforementioned service provider application server 101 sending the payment information to the multifunctional payment device 103, the user can pay through the multifunctional payment device 103. In an embodiment, the multifunctional payment device 103 is further configured to acquire bank card information, and send the bank card information and payment information to the bank server 104; the user swipes the bank card on the multifunctional payment device 103, the multifunctional payment device 103 obtains the bank card information, and packages, encrypts and sends the payment information and the bank card information sent by the service provider application server 101 to the bank server 104.
Based on the foregoing multifunctional payment device 103, sending the bank card information and the payment information to the bank server 104, in an embodiment, the bank server 104 is configured to deduct money from the bank card according to the bank card information and the payment information, determine a payment result, and send the payment result to the multifunctional payment device 103 and the service provider application server 101; in an embodiment, the bank server 104 may be a large-scale computer, or may be a medium-sized or small-sized computer, and is responsible for business processing at a bank end in a bank payment process, including receiving bank card information and payment information sent by the multifunctional payment device 103, checking and verifying the bank card information and the payment information, and then deducting the bank card to generate a payment result, and sending the payment result to the multifunctional payment device 103 and the service provider application server 101.
Based on the foregoing, the bank server 104 sends the payment result to the multifunctional payment device 103 and the service provider application server 101, in an embodiment, the service provider application server 101 is further configured to modify the payment information according to the payment result. In an embodiment, the service provider application server 101 receives the payment result, modifies the payment information according to the payment result, for example, modifies the status of the payment information to "paid" when the payment result is successful, and modifies the status of the payment information to "withholding failure" when the payment result is failed.
The multifunctional payment device 103 is further configured to receive and display a payment result, and remind the user of successful or failed payment.
The energy consumption information collected by the multifunctional payment device 103 further includes: measured energy consumption information of the meter. In an embodiment, the measured energy consumption information of the meter includes energy consumption information measured by various energy consumption measuring meters such as an electric meter, a water meter, a gas meter and a natural gas meter, for example, various energy consumption amounts such as electricity consumption, water consumption, gas consumption and natural gas consumption. The multifunctional payment device 103 is connected with the measuring instrument, and collects energy consumption information measured by the instrument in real time or periodically.
In the embodiment, the multifunctional payment device 103 counts the energy consumption information according to a charging period of the service provider application server 101 and sends the energy consumption information to the service provider application server 101 according to the charging period of the service provider application server 101; in the embodiment, when signing for a service with a service provider, the payment time needs to be specified, so when using the payment system of the multifunctional payment device provided by the embodiment of the present invention, the energy consumption information of the multifunctional payment device 103 needs to be sorted and counted, and the counted energy consumption information is periodically sent to the service provider application server 101 according to the charging period of the service provider application server 101; after receiving the energy consumption information, the service provider application server 101 calculates payment information generated in the period according to the charging period.
In order to read bank cards of multiple media, in an embodiment, the bank card read by the multifunctional payment device 103 includes a magnetic stripe card, a chip card, an NFC card or an RFID card issued by a financial institution. In the embodiment, the multifunctional payment device 103 may read various types of bank cards when reading information of the bank card, and in the embodiment, may include various types of bank cards such as a magnetic stripe card, a chip card, an NFC card or an RFID card issued by a financial institution, so the embodiment of the present invention can identify the bank cards of various media in a household, and perform payment safely. In the payment of the payment-on-behalf service in the prior art, when the balance of a payment account is insufficient, the payment can not be carried out through other bank cards. When a user wants to modify a payment account, the user needs to go to a website and transact the payment account again, so that the user runs back and forth. And adopt the embodiment of the utility model provides an use above-mentioned multi-functional payment system who collects fee of device can directly brush the bank card in the family and just can collect fee, when a bank card balance is not enough, can also trade other bank cards and collect fee, does not receive the influence of bank card medium moreover, because the utility model discloses multi-functional payment device 103 can read multiple medium bank cards such as magnetic stripe card, chip card, NFC card or the RFID card that financial institution issued, realizes convenient and fast's collection fee.
The foregoing payment result, in an embodiment, may include: payment success information and payment failure information; the bank server 104 is specifically configured to: according to the information of the bank card and the payment information, the multifunctional payment device 103 is authenticated, and the authenticity of the bank card is verified; when the authentication and the verification are successful, deducting money of the bank card to generate payment success information; and when the authentication and the verification fail, the bank card is not deducted to generate payment failure information. In the embodiment, after receiving the bank card information and the payment information, the bank server 104 firstly authenticates and verifies the information of the multifunctional payment device 103 and the bank card information contained in the bank card information and the payment information, specifically includes authenticating the multifunctional payment device 103 and verifying the authenticity of the bank card, and deducts money from the bank card to generate payment success information when the multifunctional payment device 103 is successfully authenticated and the bank card is successfully verified; when the multifunctional payment device 103 fails in authentication and/or bank card verification, the bank card is not deducted to generate payment failure information. Based on the foregoing banking service, sending the payment result to the service provider application server 101, in an embodiment, the foregoing service provider application server 101 is further configured to modify payment information according to the payment result, including: when the payment result is the payment success information, the service provider application server 101 modifies the state of the payment information to "paid"; when the payment result is the payment failure information, the service provider application server 101 modifies the state of the payment information to "payment failure".
In the payment system using the multifunctional payment device provided by the embodiment of the present invention, the service provider application server 101, the multifunctional payment device 103, and the bank server 104 are connected to each other through the wide area network 105; in an embodiment, the wide area network 105 comprises: in the wan 105, the communication between the service provider application server 101, the multifunctional payment device 103, and the bank server 104 is performed in a financial encryption manner, so as to ensure the security of information and data transmission. The intelligent household appliance 102 and the multifunctional payment device 103 are connected to each other through an in-home network 106. In an embodiment, the in-home network 106 may include various network forms such as a wired lan or a wireless lan; the wide area network 105 and the home internal network 106 are isolated by the multifunctional payment device 103, so that the safety of the system can be greatly improved, information of the external wide area network 105 cannot invade the home internal network 106, and the payment process is safer. In an embodiment, the multifunctional payment device 103 sends the energy consumption information to the service provider application server 101 through the wide area network 105, and the service provider application server 101 sends the payment information to the multifunctional payment device 103 through the wide area network 105; the multifunctional payment device 103 encrypts and packages the bank card information and the payment information through the wide area network 105 and sends the bank card information and the payment information to the bank server 104; the bank server 104 sends the payment result to the multifunctional payment device 103 and the service provider application server 101 through the wide area network 105; the multifunctional payment device 103 is connected with the intelligent household appliance 102 and various instruments through the home internal network 106 to collect energy consumption information.
The embodiment of the utility model provides an among the payment system who uses above-mentioned multi-functional payment device that provides, still provide the flow example that the user used multi-functional payment device to pay fees:
the multifunctional payment device 103 counts the energy consumption information of the intelligent household appliance and the energy consumption information measured by the meter according to the charging period of the service provider application server 101, and sends the energy consumption information and the energy consumption information to the service provider application server 101; the service provider application server 101 determines payment information according to the energy consumption information, and sends the payment information to the multifunctional payment device 103; the user selects corresponding payment information on the multifunctional payment device, swipes a bank card, the multifunctional payment device 103 acquires bank card information, and sends the bank card information and the payment information to the bank server 104; the bank server 104 authenticates the multifunctional payment device 103 according to the bank card information and the payment information, and verifies the authenticity of the bank card; when the authentication and the verification are successful, deducting money of the bank card to generate payment success information; and when the authentication and the verification fail, the bank card is not deducted to generate payment failure information. Deducting money from the bank card, determining a payment result, and sending the payment result to the multifunctional payment device 103 and the service provider application server 101; when the payment result is successful payment information, the service provider application server 101 modifies the payment information state into 'paid', and the multifunctional payment device 103 receives and displays the successful payment information to remind the user of successful payment; when the payment result is payment failure information, the service provider application server 101 modifies the state of the payment information into 'payment failure', the multifunctional payment device 103 receives and displays the payment failure information to remind the user of payment failure, and whether the multifunctional payment device 103 is authenticated correctly, whether the bank card information is correct, and whether the bank card balance is sufficient are rechecked.
Based on aforementioned multi-functional payment device and use multi-functional payment device's payment system, like fig. 3 the embodiment of the utility model provides a multi-functional payment device's the process schematic diagram of collecting fee is shown, the embodiment of the utility model provides a still provide the payment process of aforementioned multi-functional payment device, in an embodiment, can include:
step 301: the multifunctional payment device 103 collects energy consumption information, and sends the energy consumption information to the service provider application server 101, wherein the energy consumption information comprises energy consumption information of the intelligent household appliance 102;
step 302: the service provider application server 101 determines payment information according to the energy consumption information, and sends the payment information to the multifunctional payment device 103;
step 303: the multifunctional payment device 103 acquires bank card information and sends the bank card information and payment information to the bank server 104;
step 304: the bank server 104 deducts money from the bank card according to the bank card information and the payment information, determines a payment result, and sends the payment result to the multifunctional payment device 103 and the service provider application server 101;
step 305: the service provider application server 101 modifies the payment information according to the payment result;
step 306: the multifunctional payment device 103 receives and displays the payment result.
In one embodiment, the bank server 104 deducts money from the bank card according to the bank card information and the payment information, determines a payment result, and sends the payment result to the multifunctional payment device 103 and the service provider application server 101, including:
the payment result comprises: payment success information and payment failure information;
the bank server 104 authenticates the multifunctional payment device 103 according to the bank card information and the payment information, and verifies the authenticity of the bank card;
when the authentication and verification are successful, deducting money from the bank card, generating payment success information, and sending the payment success information to the multifunctional payment device 103 and the service provider application server 101;
and when the authentication and verification are failed, the bank card is not deducted, and payment failure information is generated and sent to the multifunctional payment device 103 and the service provider application server 101.
The embodiment of the utility model provides a still provide an use multi-functional payment device's the process example of collecting fee, like figure 4 this the utility model provides an it is shown that use multi-functional payment device's the process example of collecting fee schematic diagram, include: the method comprises the following steps:
step 401: the multifunctional payment device regularly collects energy consumption information of intelligent household appliances, water meters, electric meters, gas meters and natural gas meters connected to the home internal network according to a payment period provided by the service provider application server, and then sends the energy consumption information to the service provider application server through the wide area network.
Step 402: and the service provider application server generates payment information of water, electricity, gas, natural gas and other payment services according to the energy consumption information and the period. The payment information includes the content, unit price, energy consumption, payment amount, merchant information and the like of the payment service. And the service provider application server downloads the payment information to the multifunctional payment device.
Step 403: the user can inquire the detailed information names of the payment information through the multifunctional payment device, wherein the detailed information names comprise the content, unit price, energy consumption, payment amount, merchant information and the like of the payment service. The user selects an order to be paid.
Step 404: the user confirms the transaction information through the multifunctional payment device and requires the user to swipe a card or insert a financial IC card. The multifunctional payment device acquires bank card information through the card reader.
Step 405: the multifunctional payment device encrypts the bank card information and the payment information of the user and sends the encrypted bank card information and the encrypted payment information to the bank server to request to deduct money from the bank card.
Step 406: the bank server performs authenticity check of the bank card, account state check and password check of the bank card, authentication of the multifunctional payment device, user account authentication and the like. And if the bank card has problems or insufficient balance or the user account has problems, and the like, which cause transaction rejection, the bank card is not deducted, payment failure information is generated, and the payment failure information is sent to the multifunctional payment device and the service provider application server.
Step 407: if the deduction account of the user passes the verification of the bank server, deduction is carried out according to the transaction amount and currency, and payment success information is generated; and the bank server returns payment success information or payment failure information to the service provider application server and the multifunctional payment device.
Step 408: and after the service provider application server receives the payment result, if the payment result is payment success information, the state of the payment information is modified into 'paid' and if the payment result is payment failure, the state of the payment information is modified into 'withholding failure'.
Step 409: the multifunctional payment device receives the payment success information and prompts the user that the transaction is successful to complete the payment;
the multifunctional payment device receives the payment failure information, prompts the user that the transaction is failed, and gives the reason of the transaction failure, including the authenticity problem of the bank card, insufficient balance of the account of the bank card, wrong password of the bank card, the authentication problem of the multifunctional payment device and/or the authentication problem of the account of the user, and the like.
To sum up, the embodiment of the utility model provides a multifunctional payment device can collect the energy consumption collection of intelligent equipment in the family and upload the energy consumption collection to the service provider application server, overcomes the traditional problem that the service provider distributor checks meter, records energy consumption information and inputs the calculation of the payment amount of the system again, and realizes the rapid collection of energy consumption information; meanwhile, the multifunctional payment device can complete bank card payment, money deduction and other operations at home, time and labor are saved, and the operation is convenient, simple and rapid.
And simultaneously, the embodiment of the utility model provides an energy consumption information acquisition is automatic. The energy consumption information can be uploaded regularly by various intelligent devices in a family. The service provider no longer needs to send a person to get the energy consumption information. The user can inquire the energy consumption condition of the household equipment in real time through the multifunctional payment device. And various payment modes are supported, and payment is simply and quickly completed. The utility model discloses multi-functional payment device supports the user and selects the bill of collecting fee to pay. The payment system integrates the current common payment modes, can swipe magnetic stripe cards, chip cards, NFC cards, RFID cards and the like, supports key and interface display, is simple and visual to operate, and improves user experience. Has high safety. The intelligent household appliance and the multifunctional payment device are connected through the home internal network, so that the safety of payment information is enhanced. A strict safety control system is adopted between the intelligent household appliance multifunctional payment device and the bank server, and the system reliability of financial level is achieved.
The above-mentioned embodiments, further detailed description of the objects, technical solutions and advantages of the present invention, it should be understood that the above-mentioned embodiments are only specific embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (8)
1. The utility model provides a multi-functional payment device which characterized in that includes: the system comprises a card reader (201), a controller (202), input keys (203), a display (204), a battery (205) and a communication interface (208);
the card reader (201), the input keys (203), the display (204), the battery (205) and the communication interface (208) are respectively connected with the controller (202), and the communication interface (208) is connected with the intelligent household appliance; the communication interface (208) is also connected with the service provider application server and the bank server;
the card reader (201) is used for reading bank card information;
the controller (202) is used for coordinating the operation among all components of the multifunctional payment device;
an input key (203) for selecting payment information and inputting a bank card password for payment;
the display (204) is used for displaying the energy consumption information, the payment information and the payment result;
the battery (205) is used for supplying power to the multifunctional payment device;
and the communication interface (208) is used for acquiring the energy consumption information of the intelligent household appliance, sending the energy consumption information to the service provider application server, receiving payment information sent by the service provider application server, sending the bank card information and the payment information to the bank server, and receiving a payment result sent by the bank server.
2. The multi-function payment device of claim 1, further comprising:
and the memory (206) is connected with the controller (202) and is used for storing energy consumption information, payment information, bank card information and payment results.
3. The multi-function payment device of claim 1, further comprising:
and the printing interface (207) is connected with the controller (202) and is used for being connected with an external printer and printing energy consumption information, payment information, bank card information and payment results.
4. The multi-function payment device of claim 1, further comprising:
and the shell (209) is arranged on the outer sides of the card reader (201), the controller (202), the input keys (203), the display (204), the battery (205) and the communication interface (208).
5. The multi-function payment device of claim 1,
the communication interface (208) is also connected with the energy consumption instrument and used for collecting the measured energy consumption information of the energy consumption instrument.
6. The multi-function payment device of claim 1,
the bank card read by the card reader (201) comprises a magnetic stripe card, a chip card, an NFC card or an RFID card issued by a financial institution.
7. The multi-function payment device of claim 1,
the communication interface (208) is connected to the service provider application server and the bank server via a wide area network.
8. The multi-function payment device of claim 1,
the communication interface (208) is connected with the intelligent household appliance through the home internal network.
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| CN201921159905.8U CN210691382U (en) | 2019-07-23 | 2019-07-23 | Multifunctional payment device |
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| CN201921159905.8U CN210691382U (en) | 2019-07-23 | 2019-07-23 | Multifunctional payment device |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110264185A (en) * | 2019-07-23 | 2019-09-20 | 中国工商银行股份有限公司 | A kind of multi-functional fare payment system, device and method |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110264185A (en) * | 2019-07-23 | 2019-09-20 | 中国工商银行股份有限公司 | A kind of multi-functional fare payment system, device and method |
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