CN100405406C - POS machine trading method capable of sending information to and receiving information from card-receiving bank and card-sending bank simultaneously - Google Patents
POS machine trading method capable of sending information to and receiving information from card-receiving bank and card-sending bank simultaneously Download PDFInfo
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- CN100405406C CN100405406C CNB031269249A CN03126924A CN100405406C CN 100405406 C CN100405406 C CN 100405406C CN B031269249 A CNB031269249 A CN B031269249A CN 03126924 A CN03126924 A CN 03126924A CN 100405406 C CN100405406 C CN 100405406C
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Abstract
The present invention relates to a trading method of a POS machine, by which information can be simultaneously received and sent to a card receiving bank and a card issuing bank. When a bank card owner carries out card reading operation on a special POS machine with two handsets, a handset B on the special POS machine sends a dynamic password generated by a random code generator C on the special POS machine to a deposit bank of the owner of the special POS machine, namely the card receiving bank, wherein the dynamic password comprises payment information; simultaneously, a handset A on the special POS machine sends the same dynamic password generated by the random code generator C to a card issuing bank of the bank card, wherein the dynamic password comprises payment information; after the card issuing bank verifies the payment information, confirmed payment information is sent to the card receiving bank by a settlement network, such as the bank union; after the previous information and the subsequent information are checked by the card receiving bank, the confirmed payment information is forwarded to the handset B; after the special POS machine receives the information, the trading method of a bank card is carried out. Because the method uses dual handset and the dynamic password, the trading safety and confidentiality of the POS machine can be greatly improved.
Description
[technical field]
The present invention relates to utilize the financial settlement field of the communication field and the bank card of mobile phone.
[background technology]
In present society, the POS machine has been widely used in bank card clearing field, provides great convenience to people.
The development of mechanics of communication now popularizes as mobile phone that in time obtain and send that various information provide may for people.
[summary of the invention]
Social now, after swiping the card on the POS machine, POS machine master's the bank of deposit generally delivered to payment information earlier by the POS machine, it is card-receiving bank, by card-receiving bank payment information is forwarded to issuing bank behind meta networks such as Unionpay again, or card-receiving bank directly is forwarded to issuing bank with payment information, will confirm that by issuing bank payment information returns by former road after to the payment validation of information.The method length not only consuming time, and need through complicated encryption technology, it is higher to encrypt cost.Therefore, invent and a kind ofly new can accelerate the safe and reliable again POS machine method of commerce of bank card business dealing speed, just seem very necessary.The present invention is exactly in order to reach above purpose.
The present invention is based on the development of The present computer technology and modern communications technology.
Indication bank is commercial bank, urban credit cooperative, rural credit cooperative, postal saving or distribution and the specialized company that manages bank card in this method, bank card refers to that the specialized bank blocks the card that can carry out financial transaction of exempted dealers's distribution, is debit card, credit card or credit card; In the method, special POS machine is a transaction terminal that has a random code generator C and mobile phone A and mobile phone B; Mobile phone A and mobile phone B can be the mobile phones of identical standard network, are the mobile phone of cdma network or the mobile phone of GSM network as mobile phone A and mobile phone B; Mobile phone A and mobile phone B also can be the mobile phones of various criterion network, belong to the mobile phone of cdma network or the mobile phone of GSM network respectively as mobile phone A and mobile phone B; Random code generator C is Pu Laidu random code generator (Pseudo Random Number Generator), produces different dynamic passwords at random when being used for each bank card business dealing, to replace existing traditional approach transaction is encrypted.
Method of the present invention, i.e. the POS machine method of commerce of receiving and sending messages of a kind of while to card-receiving bank and issuing bank, wherein, special POS machine is a transaction terminal that has a random code generator C and mobile phone A and mobile phone B, mainly comprises the steps:
A, bank card chief commander bank card are swiped the card on special POS machine;
The dynamic password that b, bank card produce together with special POS machine random code generator C in the payment information that produces of swiping the card on the special POS machine sends to special POS machine master's the bank of deposit, i.e. card-receiving bank by the mobile phone B on the special POS machine;
Mobile phone A on c, the special POS machine sends to the issuing bank of bank card with swipe the card dynamic password that the payment information that produces produced at step b together with special POS machine random code generator C of bank card on special POS machine;
D, issuing bank confirm payment after to the payment credit verification, and will confirm that payment information and dynamic password with wired or wireless transmission mode, are sent to card-receiving bank;
E, card-receiving bank with issuing bank accept money information and dynamic password and special POS hand set B send really payment information and dynamic password confirmation after, will confirm that payment information is forwarded to mobile phone B on the special POS machine;
F, special POS machine carry out bank card business dealing by card-receiving bank information;
G, issuing bank answer fund to the special POS machine of card-receiving bank master account from bank card master account phase inversion.
In this method, the dynamic password of step b and step c is same dynamic password.
[description of drawings]
This instructions includes only an accompanying drawing, and this accompanying drawing is the key diagram of method step of the present invention.
[embodiment]
The present invention is further illustrated below by drawings and Examples.
The step of process description the inventive method of Figure of description, in the present embodiment, mobile phone A belongs to the cdma network mobile phone, and mobile phone B belongs to GSM network mobile phone.
A, for example bank card master Huang Jinfu are held Shenzhen agricultural bank card 955,991,234,567,890 5000 yuan of bankcard consumption Renminbi on the special POS machine 95,555 0,755 1888 in starlight market;
B, bank card 955991234567890 payment information that produces of swiping the card on special POS machine (contains bank's card number 955991234567890, password 1 23456,5000 yuan of amount of money Renminbi etc.) dynamic password that produces at random together with special POS machine random code generator C, as 888888 by the GSM network mobile phone B 13902966788 on the special POS machine send to special POS machine primary light market the bank of deposit, be card-receiving bank, as Shenzhen China Merchants Bank; In this step, the random dynamic puzzle that the each exchange of random code generator C produces can be not identical, in case divulge a secret; As this transaction dynamic password is 123456, and next time transaction dynamic password may be 654321 or the like; Special POS machine also can send own code, as 95,555 0,755 1888, so that card-receiving bank identification;
Another cdma network mobile phone A 13302966788 on c, the special POS machine (contains bank's card number 955991234567890 with bank card 955991234567890 payment information that produces of swiping the card on special POS machine, password 123456,5000 yuan of amount of money Renminbi etc.) dynamic password that produces at random together with special POS machine random code generator C is as the 888888 Shenzhen agricultural banks of issuing bank that send to bank card; In this step, the random dynamic puzzle content that the each exchange of random code generator C produces is identical with step b; As step b transaction dynamic password is 888888, and step c transaction dynamic password also is 888888; Special POS machine also can send own code, as 95,555 0,755 1888, so that card-receiving bank identification;
D, Shenzhen agricultural bank of issuing bank confirm payment after to the payment credit verification, will confirm payment information and former dynamic password 888888 then with wired or wireless transmission mode, or through other meta networks, as Unionpay, be sent to card-receiving bank Shenzhen China Merchants Bank;
E, card-receiving bank Shenzhen China Merchants Bank with issuing bank mobile phone B is sent on accept money information and dynamic password 888888 and the special POS machine really payment information and dynamic password 888888 confirmation after, will confirm that payment information is forwarded to mobile phone B13902966788 on the special POS machine;
F, special POS machine send really accept money information according to card-receiving bank and carry out bank card business dealing; As allow bank card master Huang Jinfu to consume 5000 yuan of Renminbi;
G, Shenzhen agricultural bank of issuing bank answer 5000 yuan of fund Renminbi to the special POS machine primary light market account of card-receiving bank Shenzhen China Merchants Bank from bank card master Huang Jinfu bank card account 955991234567890 phase inversions.
In the method, mobile phone A and mobile phone B also can be the mobile phones of same standard network, are the mobile phone of cdma network or the mobile phone of GSM network as mobile phone A and mobile phone B, and in this case, the step of the inventive method is constant.
Because this method adopts two mobile phones to receive and send messages and uses random code generator C to produce random dynamic puzzle, the level security of POS machine transaction is improved greatly.
Claims (4)
1. while POS machine method of commerce of receiving and sending messages to card-receiving bank and issuing bank, wherein, special POS machine is a transaction terminal that has a random code generator C and mobile phone A and mobile phone B, this method comprises the steps:
A, bank card chief commander bank card are swiped the card on special POS machine;
The dynamic password that b, bank card produce together with special POS machine random code generator C in the payment information that produces of swiping the card on the special POS machine sends to special POS machine master's the bank of deposit, i.e. card-receiving bank by the mobile phone B on the special POS machine;
Mobile phone A on c, the special POS machine sends to the issuing bank of bank card with the swipe the card payment information that produces of bank card together with the dynamic password that is produced at step b at special POS machine random code generator C on special POS machine;
D, issuing bank confirm payment after to the payment credit verification, and will confirm that payment information and dynamic password with wired or wireless transmission mode, are sent to card-receiving bank;
E, card-receiving bank with issuing bank accept money information and dynamic password and special POS hand set B send really payment information and dynamic password confirmation after, will confirm that payment information is forwarded to mobile phone B on the special POS machine;
F, special POS machine carry out bank card business dealing by card-receiving bank information;
G, issuing bank answer fund to the special POS machine of card-receiving bank master account from bank card master account phase inversion.
2. POS machine method of commerce as claimed in claim 1, indication bank is commercial bank, urban credit cooperative, rural credit cooperative, postal saving or distribution and the specialized company that manages bank card in this method.
3. POS machine method of commerce as claimed in claim 1, bank card refer to that the specialized bank blocks the card that can carry out financial transaction of exempted dealers's distribution, are debit card, credit card or credit card.
4. POS machine method of commerce as claimed in claim 1, the feature of special POS machine wherein are that random code generator C is the Pu Laidu random code generator.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNB031269249A CN100405406C (en) | 2003-06-20 | 2003-06-20 | POS machine trading method capable of sending information to and receiving information from card-receiving bank and card-sending bank simultaneously |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNB031269249A CN100405406C (en) | 2003-06-20 | 2003-06-20 | POS machine trading method capable of sending information to and receiving information from card-receiving bank and card-sending bank simultaneously |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN1567387A CN1567387A (en) | 2005-01-19 |
| CN100405406C true CN100405406C (en) | 2008-07-23 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNB031269249A Expired - Fee Related CN100405406C (en) | 2003-06-20 | 2003-06-20 | POS machine trading method capable of sending information to and receiving information from card-receiving bank and card-sending bank simultaneously |
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Families Citing this family (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2009018683A1 (en) * | 2007-08-08 | 2009-02-12 | Kamfu Wong | A payment method and system for certification by a smart card with a display and a keyboard using one time dynamic cipher code |
| CN102637273A (en) * | 2011-02-09 | 2012-08-15 | 周锡卫 | Safe real-time bank payment system and method |
| KR101706894B1 (en) * | 2016-07-13 | 2017-02-27 | 이성원 | Method, apparatus, and system for enabling payment approval using purchaser's mobile wallet and mobile terminal |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1299095A (en) * | 2000-12-19 | 2001-06-13 | 天津南开戈德集团有限公司 | Portable POS system of wireless mobile network and its operation method |
| CN1308454A (en) * | 2001-02-12 | 2001-08-15 | 深圳市众力讯电脑应用技术有限公司 | Hand set paying method |
| WO2002025606A2 (en) * | 2000-09-20 | 2002-03-28 | Soma Networks, Inc. | Point of sale terminal |
| JP2002092497A (en) * | 2000-09-19 | 2002-03-29 | Sanyo Electric Co Ltd | Settlement system for store |
| US20020046185A1 (en) * | 2000-08-30 | 2002-04-18 | Jean-Marc Villart | System and method conducting POS transactions |
-
2003
- 2003-06-20 CN CNB031269249A patent/CN100405406C/en not_active Expired - Fee Related
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20020046185A1 (en) * | 2000-08-30 | 2002-04-18 | Jean-Marc Villart | System and method conducting POS transactions |
| JP2002092497A (en) * | 2000-09-19 | 2002-03-29 | Sanyo Electric Co Ltd | Settlement system for store |
| WO2002025606A2 (en) * | 2000-09-20 | 2002-03-28 | Soma Networks, Inc. | Point of sale terminal |
| CN1299095A (en) * | 2000-12-19 | 2001-06-13 | 天津南开戈德集团有限公司 | Portable POS system of wireless mobile network and its operation method |
| CN1308454A (en) * | 2001-02-12 | 2001-08-15 | 深圳市众力讯电脑应用技术有限公司 | Hand set paying method |
Non-Patent Citations (4)
| Title |
|---|
| 浅谈无线POS的几种实现方案. 付大勇，吴俊涛.中国信用卡，第10期. 2002 |
| 浅谈无线POS的几种实现方案. 付大勇，吴俊涛.中国信用卡，第10期. 2002 * |
| 电子转帐及智能凭证（四）（英文）. 张必智.数据通信，第2期. 1996 |
| 电子转帐及智能凭证（四）（英文）. 张必智.数据通信，第2期. 1996 * |
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| CN1567387A (en) | 2005-01-19 |
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| C14 | Grant of patent or utility model | ||
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Owner name: RUAN YUAN Free format text: FORMER OWNER: HUANG JINFU Effective date: 20091016 |
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Effective date of registration: 20091016 Address after: Shanghai city Chinese ronghua Avenue 19-6-403 Patentee after: Ruan Yuan Address before: Beijing Xicheng District Financial Street 27 investment Plaza, block B, 19 floor Patentee before: Huang Jinfu |
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Granted publication date: 20080723 Termination date: 20100620 |