CN100382106C - Information telephone financial POS system - Google Patents
Information telephone financial POS system Download PDFInfo
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- CN100382106C CN100382106C CNB2003101122402A CN200310112240A CN100382106C CN 100382106 C CN100382106 C CN 100382106C CN B2003101122402 A CNB2003101122402 A CN B2003101122402A CN 200310112240 A CN200310112240 A CN 200310112240A CN 100382106 C CN100382106 C CN 100382106C
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Abstract
The present invention relates to a financial POS system of an information telephone for data communication by using a short message platform of a solid system, which comprises a terminal and a payment gateway, wherein the terminal is connected with the payment gateway through a short message gateway of a telecommunication solid system; the payment gateway is connected with a bank (bank on-line) POS preposition system, a bank (bank on-line) value adding service system and a commercial unit server. The present invention can be applied to the consumption of an IC card and a magnetic strip card in various consumption places, and electronic commerce, such as trading stock funds, purchasing insurance, purchasing various commodities, engaging train tickets, engaging air tickets, etc. Meanwhile, the present invention can provide the value adding service for commercial clients, for example feeding back consumption information for clients so as to distinguish service. The present invention has the advantages of simple and practical structure, low cost, safety, reliability and low maintenance and upgrading expense.
Description
Technical field
The present invention relates to a kind of information telephone financial POS system that mainly utilizes the telecommunications short messaging gateway to carry out data communication.
Background technology
POS is the abbreviation of English Point of Sales, means point of sales terminal.POS is connected with the bank main system by network, during work, magnetic stripe card (or IC-card etc.) " is swiped the card " on the POS machine and inputed relevant business information (type of transaction, dealing money, password etc.), give bank main system with the information that obtains by network by the POS machine, after the bank main system carries out respective handling, return result to the POS machine, thereby finish a transaction.In some megastore, restaurant, hotel, can consume with various bank cards, and need not carry and cash payment at present, greatly reduce the risk that directly makes in cash.But in consumption and places of business such as the chop house in more middle-size and small-size market, streets and lanes, post office, cinema, bar, dancing halls, all POS system can't be installed because of POS machine installation cost costliness, function singleness, and above-mentioned place is people live in important ingredient, and broad covered area, enormous amount, the ordinary people must be with cash when these local consumption, increased risk stolen, that plundered on the one hand, businessman must deal with small change trouble on the other hand, also is required to be to guarantee that security of cash makes system's row prevention work.Therefore, be badly in need of a kind of easy for installation, safe and reliable, POS system that cost is moderate of development, thereby improve present environment for card use, make POS system enter into common people's life.
In addition, in family, various charges, transaction can only rely on manually substantially at present and make house calls, so that the imitative charge of people is arranged people are sustained a loss, and the electronization of family's charge also is one of present problem demanding prompt solution.
Its communication pattern of traditional financial POs system has ordinary telephone line, move or UNICOM's short message, mobile GPRS, the CDMA of UNICOM etc., application program leaves the POS terminal in, the user is by swiping the card, select information such as type of merchandize, the input consumption amount of money, input user cipher, the POS terminal uploads to bank or the POS of Unionpay front-end system after with information encryption, Deng confirming after bank or the POS of the Unionpay front-end system checking user profile and return confirmation that the printing set of hanging scrolls was finished transaction after terminal was received confirmation to terminal.This system can realize holding and consume and simple intermediary service function, but this system must store the customer transaction data of some by PBOC code requirement POS terminal, and its application program is placed on the POS terminal, so cost is higher, the maintenance of system, upgrading etc. are difficulty comparatively all.
Summary of the invention
The objective of the invention is to overcome the defective of above-mentioned financial POS system, a kind of POS system towards family and common trade company is provided, it has conventional P OS systemic-function, e-business capability, function serving information concurrently and realizes bank or Unionpay's noncash intermediary service function, and simple and practical, cost is low, at the bottom of the easy communication, communication cost, terminal need not application software make system management simply with low cost, and be convenient to upgrading, be fit to this POS system is spread to huge numbers of families and numerous businessman.
In order to reach the foregoing invention purpose, the technical solution used in the present invention is as follows: the present invention includes terminal and payment gateway, described terminal comprises MODEM circuit, dial-up circuit, the circuit of swiping the card, IC-card read/write circuit, and terminal is connected with payment gateway by the fixed network message platform; Deposited application software on the described payment gateway, when payment gateway is gone up in the terminal connection, finished every application function from payment gateway down load application programs menu; Described payment gateway is connected with (Unionpay) POS of bank front-end system, bank (Unionpay) increment service system, merchant server etc. by TCP/IP, and bank (Unionpay) increment service system is connected with each merchant server simultaneously.The user can finish the POS payment function by terminal, also can finish account query, self-help charging, self-service account transfer, information service and e-business capability by terminal simultaneously.
Terminal of the present invention is the information telephone financial POS machine, have the function of telecom information telephone set concurrently, the information telephone financial POS machine is made up of (according to the needs in different application place CPU, LCDs, MODEM, operation keyboard, the circuit of swiping the card, print circuit, code keypad etc., swipe the card circuit, print circuit can not be equipped with, when not being equipped with when swiping the card circuit and print circuit, the user can finish by manual input account number and handle other outer all functions of printed tickets).
Payment gateway of the present invention comprises compositions such as server, the access device that is connected with the telecommunications short messaging gateway, hardware encryption machine, payment gateway software, payment gateway software comprises POS application software, database, telecommunications short message SMGP protocol interface switching software, management software, financial business interface software etc., to finish Control Software of the present invention and to meet the PBOC standard.
Design philosophy of the present invention is to utilize telecommunications short message passage to communicate, and terminal is connected with payment gateway by the telecommunications short messaging gateway, and payment gateway is finished functions such as protocol conversion between telecommunications short messaging gateway and the system of bank (Unionpay), service management.For reducing the terminal cost, some data storage of stipulating in the PBOC standard to be finished by payment gateway, each end only need be stored transaction data seldom, has both met the PBOC standard, has realized " weight reducing " of terminal again, thereby reduces the terminal cost greatly; End application all leaves in the payment gateway simultaneously, when gateway is gone up in the terminal connection, application program is finished every application function from payment gateway down load application programs menu, in the time need upgrading application program, need not safeguard terminal because of business development, only need to get final product, can save maintenance, the upgrade cost of POS system so greatly in payment gateway place change application program; Because the reduction greatly of terminal cost and system maintenance, upgrade cost will help the improvement of China's environment for card use.
Advantage of the present invention be simple in structure, cost of manufacture is cheap, safe and reliable, maintenance and upgrade cost are low, the very suitable electronic charging that is applied to departments such as place such as family, middle-size and small-size market (or shop), restaurant, dance hall, hotel, cinema, community and water power, CATV (cable television), telecommunications, and such as securities futures trading with buy e-commerce initiatives such as insurance, plane ticket, train ticket, extensive stock.
Description of drawings
Fig. 1 is a system principle structural drawing of the present invention;
Fig. 2 is the principle assumption diagram of client;
Fig. 3 is the payment gateway principle assumption diagram.
Embodiment
Below in conjunction with accompanying drawing the utility model is described further.
Accompanying drawing 1,2,3 have reflected integral body of the present invention and local hardware principle structure, as shown in the figure, the user goes up after the payment gateway by the terminal connection, can press the guiding on the display screen, swipe the card and import personal identification code and transaction content, the information telephone financial POS machine sends payment gateway with the CTSI agreement to by the telecommunications short messaging gateway after with above information encryption, after payment gateway is received information, decryption information also judges whether this information is effective, if invalid, then sends invalid information to terminal, prompting is operation again, if information is effective, judge that then which kind of type of transaction is this information belong to, and handles accordingly.If this transaction is banking, then payment gateway is communicated by letter with bank (Unionpay) POS front-end system with ICP/IP protocol, in (Unionpay) POS of bank front-end system, carry out data processing, send authorization message to terminal again, the prompting client continues operation and operating result is confirmed, this transaction so far strikes a bargain.If this transaction belongs to value-added service, then payment gateway is connected with bank (Unionpay) increment service system, communicate by letter with each merchant server by added value service system of bank (Unionpay) again, payment gateway also can directly be communicated by letter with each merchant server, decide according to type of transaction, and ICP/IP protocol is all passed through in communicating to connect wherein.
Claims (4)
1. an information telephone financial POS system is characterized in that, comprises terminal and payment gateway, and described terminal comprises MODEM circuit, dial-up circuit, the circuit of swiping the card, IC-card read/write circuit, and terminal is connected with payment gateway by the fixed network message platform;
Deposited application software on the described payment gateway, when payment gateway is gone up in the terminal connection, finished every application function from payment gateway down load application programs menu;
Described payment gateway and bank or the POS of Unionpay front-end system, bank or Unionpay's increment service system, merchant server are connected.
2. information telephone financial POS according to claim 1 system, it is characterized in that described terminal is by CPU, LCDs, Display Register, Hanzi font library circuit, memory, operation keyboard, encrypted circuit, Hanzi font library circuit, print circuit and power circuit are formed, and are connected with payment gateway by telecommunications fixed net short message breath gateway with the CTSI agreement.
3. information telephone financial POS according to claim 1 system, it is characterized in that described payment gateway comprises server, the access device that is connected with the telecommunications short messaging gateway, hardware encryption machine, payment gateway software and forms, described payment gateway is connected with ICP/IP protocol and bank or the POS of Unionpay front-end system, bank or Unionpay's increment service system and merchant server.
4. information telephone financial POS according to claim 4 system is characterized in that leaving described payment gateway place in according to the data of financial transaction of PBOC code requirement needs storage.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNB2003101122402A CN100382106C (en) | 2003-11-21 | 2003-11-21 | Information telephone financial POS system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNB2003101122402A CN100382106C (en) | 2003-11-21 | 2003-11-21 | Information telephone financial POS system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN1545054A CN1545054A (en) | 2004-11-10 |
| CN100382106C true CN100382106C (en) | 2008-04-16 |
Family
ID=34336453
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNB2003101122402A Expired - Lifetime CN100382106C (en) | 2003-11-21 | 2003-11-21 | Information telephone financial POS system |
Country Status (1)
| Country | Link |
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| CN (1) | CN100382106C (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102629355A (en) * | 2012-02-27 | 2012-08-08 | 福建联迪商用设备有限公司 | Telephone payment terminal trading method and telephone payment terminal system |
Families Citing this family (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1321537C (en) * | 2004-11-29 | 2007-06-13 | 上海市电信有限公司 | Electronic paymenting service system and realizing method based on fixed telephone net short message |
| CN100496055C (en) * | 2006-05-09 | 2009-06-03 | 杭州华三通信技术有限公司 | Branch service communication access method and system and a network apparatus |
| CN101087201B (en) * | 2006-06-07 | 2010-05-12 | 陈川 | Phone trading payment system and method |
| CN101018130B (en) * | 2007-02-15 | 2010-09-08 | 物方恒德（北京）投资咨询有限公司 | Finance business system and finance business processing method |
| CN101414404B (en) * | 2008-11-28 | 2011-04-13 | 中国民生银行股份有限公司 | Method for implementing public business, bank preposition equipment and bank preposition system |
| CN101692673B (en) * | 2009-10-16 | 2013-08-21 | 中国电信股份有限公司 | Message processing method of payment platform, payment platform device and payment system |
| CN102376134B (en) * | 2010-08-24 | 2014-04-09 | 中兴通讯股份有限公司 | Point of sale (POS) machine, POS machine card-punching system and card-punching transaction method thereof |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2002024737A (en) * | 2000-07-06 | 2002-01-25 | Viewnet Systems:Kk | Payment processing system |
| CN1350393A (en) * | 2000-10-24 | 2002-05-22 | 林一仲 | Mobile payment system |
| JP2002163584A (en) * | 2000-11-24 | 2002-06-07 | Fujitsu Ltd | Method for card settlement using portable information terminal and its system |
| JP2002312325A (en) * | 2001-04-13 | 2002-10-25 | Nippon Telegr & Teleph Corp <Ntt> | Service access terminal device cooperated with ic card and its method |
-
2003
- 2003-11-21 CN CNB2003101122402A patent/CN100382106C/en not_active Expired - Lifetime
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2002024737A (en) * | 2000-07-06 | 2002-01-25 | Viewnet Systems:Kk | Payment processing system |
| CN1350393A (en) * | 2000-10-24 | 2002-05-22 | 林一仲 | Mobile payment system |
| JP2002163584A (en) * | 2000-11-24 | 2002-06-07 | Fujitsu Ltd | Method for card settlement using portable information terminal and its system |
| JP2002312325A (en) * | 2001-04-13 | 2002-10-25 | Nippon Telegr & Teleph Corp <Ntt> | Service access terminal device cooperated with ic card and its method |
Non-Patent Citations (1)
| Title |
|---|
| 基于CMPP协议的银行卡移动支付网关的设计与实现. 唐才銮.福建师范大学福清分校学报，第2003年第2期总第59期. 2003 * |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102629355A (en) * | 2012-02-27 | 2012-08-08 | 福建联迪商用设备有限公司 | Telephone payment terminal trading method and telephone payment terminal system |
| CN102629355B (en) * | 2012-02-27 | 2016-06-01 | 福建联迪商用设备有限公司 | Phone-payment terminal transaction method and phone-payment terminal system |
Also Published As
| Publication number | Publication date |
|---|---|
| CN1545054A (en) | 2004-11-10 |
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| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| ASS | Succession or assignment of patent right |
Owner name: WU JIAN Free format text: FORMER OWNER: XU QING Effective date: 20050218 |
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| C41 | Transfer of patent application or patent right or utility model | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20050218 Address after: 510640, Guangzhou five mountain road, South China University of Technology, North District Industrial school, building 4, the east side of the 202 rooms of the river company Applicant after: Wu Jian Address before: 510630 Guangdong city in Guangzhou Province, Zhongshan Road No. 2 room 307 Huagang Garden Street Applicant before: Xu Qing |
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| ASS | Succession or assignment of patent right |
Owner name: CHINA UNIONPAY CO., LTD. Free format text: FORMER OWNER: WU JIAN Effective date: 20050805 |
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| C41 | Transfer of patent application or patent right or utility model | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20050805 Address after: Shanghai city Pudong New Area 201201 GuoShouJing Road No. 498 Applicant after: CHINA UNIONPAY Co.,Ltd. Address before: 510640, Guangzhou five mountain road, South China University of Technology, North District Industrial school, building 4, the east side of the 202 rooms of the river company Applicant before: Wu Jian |
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Granted publication date: 20080416 |
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