CN101021960A - POS/MIS oriented commercial customer bank card switch-in system - Google Patents
POS/MIS oriented commercial customer bank card switch-in system Download PDFInfo
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- CN101021960A CN101021960A CNA2007100205374A CN200710020537A CN101021960A CN 101021960 A CN101021960 A CN 101021960A CN A2007100205374 A CNA2007100205374 A CN A2007100205374A CN 200710020537 A CN200710020537 A CN 200710020537A CN 101021960 A CN101021960 A CN 101021960A
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- bank card
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Abstract
This invention discloses an access system of bank cards for traders facing POS/MIS including a market money collection system, an electronic gathering system, a router and a bank card exchange center, in which, said money collection system and the gathering machine system face costomers directly for reading bank card information of customers and transferring it to the router, which receives the information and transfers the information to the card exchange center formed by banks via a digital data network to process it accordingly.
Description
One, technical field
The present invention relates to a kind of trade company's bank card connecting system towards POS/MIS.
Two, background technology
Bank card is as the modern means of payment, and it is used more and more widely.Golden Card Program is an Important Project of national information, directly is connected with bankcard network and develop large-scale trade company, is the direction of Golden Card Program construction development.Technically with on the application practicality, economy and solution easily should be arranged.Different trade companies has dissimilar market POS (MIS) and point of sells (POS) at present, how trade company with various dissimilar mis systems, be connected to bankcard network, give full play to trade company existing can receiving bank the effect of facility of card, finishing the work that large-scale trade company adds bankcard network is an important task.The seamless link that solves the market POS of large-scale trade company and bank card system simultaneously is also extremely urgent.
Three, summary of the invention
The purpose of this invention is to provide a kind of trade company's bank card connecting system towards POS/MIS, this trade company's bank card connecting system can will have the trade company of various dissimilar mis systems, be connected to bankcard network, give full play to trade company existing can receiving bank the effect of facility of card, finish the work that large-scale trade company adds bankcard network; The information management system of large-scale trade company and the seamless link of bank card system have also been solved simultaneously.
The objective of the invention is to be achieved through the following technical solutions:
A kind of trade company's bank card connecting system towards POS/MIS, it is characterized in that: it comprises market POS, point of sells, router and bank card switching centre, and the direct curstomer-oriented of described market POS and point of sells is used for reading client's bank card information and information is passed to router; Router receives information and communicates information to the bank card switching centre that is made up of each money pool by Digital Data Net; Bank card switching centre handles information.
Among the present invention, router and being connected of bank card switching centre are Digital Data Net DDN or X.25.
The present invention finishes the processing of the various financal messagings that are connected with bank card, the complicated function treatment that comprises transaction, account and encryption etc., reduce the workload that trade company is connected with bankcard network, reduce the operation maintenance work of network center to trade company, interface software is according to Unionpay's standard interface exploitation.
Network design of the present invention is reasonable, and the equipment less investment is easy to maintenance, satisfies real-time, high efficiency and convenience that trade company carries out bank card business dealing.For other business development in the future leaves bigger space; And, the processing advantages of simple of various transaction, safety encipher is independent.Account Disposal is simple, and trade company needs only disposable transaction batch processing and the accounting checking of finishing trade company on the same day on front end processor, and every the POS that does not resemble the bank POS employing finishes accounting checking separately, makes the Account Disposal of trade company simple and practical.The network structure that trade company's mis system is connected with bankcard network is seen Fig. 1:
The present invention not only has the connection of LAN (Local Area Network), also has the interconnection of LAN (Local Area Network), is the network system of a wide area scale.
The bank card POS interface module is installed on the POS of the trade company machine among the present invention, and two kinds of connected mode: EXE or OBJ (DOS/Windows), DLL (only Windows) are provided.Network communication protocol: TCP/IP.Its major function: the bank card return of goods (cancelling consumption) d bank card inquiry c a) bank card consumption b))). Transaction Inquiries etc.Its principal feature: fill in transaction message according to the ISO transaction message format, carry out MAC by code keypad and generate and verification, POS links to each other with the system of Unionpay by communication server.
The bank card background service system is installed on trade company's background computer (Windows XP or Windows2000) among the present invention, and wherein NT installs in service (Services) mode.The bank card service is the system service program of a multithreading under the NT environment.Start service, stop to serve in the service of control panel and operate.Its major function: with the communication of bank card center, record bank card consumption.
Bank card consumption inquiry system major function among the present invention: bank card consumption is inquired about, adds up, is gathered, transaction details is downloaded, accounting checking automatically, data backup etc.
The present invention gives full play to the effect of trade company's mis system in bank card business is carried out, the main body of bank card business is the consumption that makes things convenient for the holder, the main place of holder's consumption is in trade company, the consumption of especially large-scale trade company bank card occupies the major part of whole bank card consumption, bankcard network is a catenet that connects each bank and trade company, and direct-connected commerce system can be described as an extension of bankcard network.
Market POS (MIS) is arranged on the trade company place as a front end system equipment of bankcard network, it had both guaranteed the safety of bankcard network, simplified the system complex degree of trade company's networking again, more brought into play the effect of cashier's machine in trade company's mis system, saved the input of equipment in the bankcard network, reduce the input of the communication cost of trade company's adding bankcard network, had high social and economic benefit.
In order to make the present invention bring into play maximum effect, system when design in line with principle such as practical, convenient, safe, complete, the application function of system has been done meticulous design to be considered, consider all functions of the use of current magnetic stripe card, and designed the functional interface that is used for the real-time blacklist of inquiring about of trade company in the future, from network, considered that also trade company and network center carry out the interface expanded of ecommerce cooperation in the future.
Front office cashier's machine of the present invention is to the processing advantages of simple of various transaction, and is easy to operate, and the cashier need not do too many training, and bomp is clear, friendly interface.The backstage Account Disposal is simple, and trade company needs only disposable transaction batch processing and the accounting checking of finishing trade company on the same day on front end processor, make the Account Disposal of trade company simple and practical.Inquiry, statistics and form are complete, add complete patterned interface, have made things convenient for financial staff's use.Maintenance work is also very simple, owing to be independent of mis system, is convenient to the problem that compartment system takes place, and searches easily, and maintenance work is simple.
The present invention has adopted the code keypad cipher mode, and code keypad is encrypted and the encryption equipment encryption all belongs to hardware encipher, and is with regard to security, as broad as long.Only analyze below with regard to the trading password keyboard MAC processing time.
(1) the code keypad MAC processing time
When calculating MAC, need be sent to code keypad to following territory:
| NO. | The position | Domain | Figure place | |
| 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 | 2 3 4 11 12 13 32 37 38 39 41 42 49 50 63 66 70 86 87 88 89 97 | Message Type Identifier Primary Account Number Processing Code Amount Of Transaction System Trace Audit Number Time Of Local Transaction Date of Local Transaction Acquiring Institution Identification Code Retrieval Reference Number Authorization Identification Response Response Code Card Accepter Terminal Identification Card Acceptor Identification Code Currency Code Of Transaction Currency Code Of Settlement Destination Institution Identification Code Settlement Code Network Management Information Code Amount Of Credits Reversal Amount Of Credits Amount Of Debits Reversal Amount Of Debits Amount Of Net Settlement | 4 N..19(n+PAN 6 12 6 6 4 N..11(8) 12 6 2 8 15 3 3 N..11(8) 1 3 16 16 16 16 17 |
As seen from the above table, the maximum number of byte (comprising the space between territory and the territory) that calculates MAC is in 250 bytes, and the disposable code keypad that is sent to of POS machine is pressed communication speed 9600bps and calculated, and required time is:
250 * 8/9600=0.2083 second
Because it is very little that the POS machine is accepted the byte number of code keypad MAC, adds that the time of code keypad MAC computing is very short, therefore total MAC processing time can be above 0.25 second.
The present invention is cheap: under the prerequisite that does not reduce security requirement, saved the hardware of encryption equipment, front end processor and bought and maintenance cost.The present invention can be connected to bankcard network with having the trade company of various dissimilar mis systems, gives full play to the effect of the existing facility that can receiving bank's card of trade company, finishes the work that large-scale trade company adds bankcard network; The information management system of large-scale trade company and the seamless link of bank card system have also been solved simultaneously.
Four, description of drawings
Fig. 1 is the network structure that trade company of the present invention mis system is connected with bankcard network;
Fig. 2 is a structural representation of the present invention.
Five, embodiment
A kind of trade company's bank card connecting system towards POS/MIS of the present invention, it comprises market POS, point of sells, router and bank card switching centre, and the direct curstomer-oriented of described market POS and point of sells is used for reading client's bank card information and information is passed to router; Router receives information and communicates information to the bank card switching centre that is made up of each money pool by Digital Data Net; And information is handled by bank card switching centre.
Among the present invention, router and being connected of bank card switching centre are Digital Data Net DDN or X.25.
Perfect in shape and function of the present invention, quick only needed just can finish automatically in 2 seconds as 1000 transactions accounting checking.And the present invention supports wild cards such as Visa, Master, has the dirigibility and the expandability of height, guarantees to upgrade synchronously with the bank card centring system.The present invention is multiple functional, security of system is reliable, stable performance, moves successfully at the Pacific Ocean, Nanjing general merchandise etc.
Claims (3)
1, a kind of trade company's bank card connecting system towards POS/MIS, it is characterized in that: it comprises market POS, point of sells, router and bank card switching centre, and the direct curstomer-oriented of described market POS and point of sells is used for reading client's bank card information and information is passed to router; Router receives information and communicates information to the bank card switching centre that is made up of each money pool by Digital Data Net; Bank card switching centre handles information.
2, the trade company's bank card connecting system towards POS/MIS according to claim 1 is characterized in that: router and being connected of bank card switching centre are DDN or X.25.
3, the trade company's bank card connecting system towards POS/MIS according to claim 1, it is characterized in that: the place is provided with cipher protection apparatus at point of sells.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007100205374A CN101021960A (en) | 2007-03-09 | 2007-03-09 | POS/MIS oriented commercial customer bank card switch-in system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007100205374A CN101021960A (en) | 2007-03-09 | 2007-03-09 | POS/MIS oriented commercial customer bank card switch-in system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101021960A true CN101021960A (en) | 2007-08-22 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2007100205374A Pending CN101021960A (en) | 2007-03-09 | 2007-03-09 | POS/MIS oriented commercial customer bank card switch-in system |
Country Status (1)
| Country | Link |
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| CN (1) | CN101021960A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2009065257A1 (en) * | 2007-11-22 | 2009-05-28 | Kamfu Wong | A method for solding banknotes to client as goods |
| CN111882783A (en) * | 2020-06-29 | 2020-11-03 | 银盛支付服务股份有限公司 | Butt-joint-transformation-free plug-and-play MIS-POS system and implementation method |
-
2007
- 2007-03-09 CN CNA2007100205374A patent/CN101021960A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2009065257A1 (en) * | 2007-11-22 | 2009-05-28 | Kamfu Wong | A method for solding banknotes to client as goods |
| CN111882783A (en) * | 2020-06-29 | 2020-11-03 | 银盛支付服务股份有限公司 | Butt-joint-transformation-free plug-and-play MIS-POS system and implementation method |
| CN111882783B (en) * | 2020-06-29 | 2021-04-16 | 银盛支付服务股份有限公司 | Plug-and-play MIS-POS realization method free of butt joint transformation |
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| WD01 | Invention patent application deemed withdrawn after publication |
Open date: 20070822 |