CN101136123A

CN101136123A - Smart card POS machine system and corresponding method for payment collecting and remitting at merchant stations

Info

Publication number: CN101136123A
Application number: CNA2006101260995A
Authority: CN
Inventors: 黄金富
Original assignee: Individual
Current assignee: Individual
Priority date: 2006-08-30
Filing date: 2006-08-30
Publication date: 2008-03-05

Abstract

The system can provide the payment function, a ATM draw-money function, remit money function and transfer account function as well as the normal cashing machine function. The invention uses the user's mobile phone as a tool to confirm the password inputted by user. The provided DNA pos machine can transfer the money in the user's intelligent card or bank card to the account of a vendor through the DNA POS machine and card center; said vendor delivers the cash to the customer.

Description

Smart card POS machine system and corresponding method of carrying out enchashment and remittance in trade company

Technical field

The present invention relates to data processing and communication technique field, particularly relate to data processing that relates to the money aspect and communication field between bank, smart card center and trade company.

Technical background

In the modern society, progress along with the epoch, bank is computerized, accounts all are computer and computerized the processing, can think the technical field of information processing or data processing, bank (5) is actually a computerized bank accounting center (5), again along with the implementation of telephone bank, the widespread use of the fiscard of various credits card, debit card, smart card or the like, bank has worked at 24 hours except that retail sales.The center of various cards also is like this, except payment function, a lot of cards center (1) is arranged, and promptly intelligent card centralized computer system cooperates with bank, carries out " authentication " matters, it is the step that increases safety and insurance for client with the card payment, card center among the present invention is also referred to as DNA smart card center, or DNA intelligent card centralized computer system, all be same system, can carry out authentication function.Since bank extract cash just by day bank open the door and just can carry out when manual service is provided, or client withdraws the money on the ATM of each bank, yet ATM quantity is very limited, the number of withdrawing the money is also very limited, very inconvenient, for remittance, same difficulty is arranged also.Yet it is the POS machine that each trade company is extensive use of the computer cashing machine, if client can utilize trade company's POS machine remittance of withdrawing the money, and can be very convenient.

Summary of the invention

Purpose of the present invention is to provide a kind of system and correlation method, makes client extract cash and remittance at the trade company place that the POS machine is arranged easily, and on the POS of trade company machine, carries out small amount consumption with smart card.

The trade company of indication among the present invention, all are equipped with the unit of DNA POS machine (2) to refer to market, shop, supermarket, hotel, hotel etc.Trade company is responsible for office worker or the boss refer to that position in the trade company unit is higher, to manage work, and the office worker of trade company refers to the office worker of practical operation DNA POS machine (2) in the trade company unit.Certainly, the person in charge of trade company and the office worker of trade company can overlap on identity according to actual conditions.In addition, in the present invention, the fiscard of various credits card, debit card, smart card or the like all is considered as same class card, with card (6) expression.

The object of the present invention is achieved like this, adopt a kind of like this smart card POS machine system, described system mainly includes card center (1), one or more DNA POS machines (2), wireless phone communication network (3), trade company side and client's mobile phone (4), bank accounting center (5), and corresponding various all kinds of smart cards (6), wherein, card center (1) is DNA intelligent card centralized computer and communication system, has mobile communication device (1-2), bank accounting center (5) is the computer and the communication system of bank, and DNA POS machine (2) is arranged on the predetermined trade company or the predetermined area;

DNA POS machine (2) has mobile communication device (2-7 and 2-8);

DNA POS machine (2) carries out through wireless phone communication network (3) with the communication at card center (1), and the running of DNA POS machine (2) must authenticate through card center (1) by predetermined logging program (2-9), and just enters working stage after by authentication.

And, on adopted, on the basis of described system, adopted the method for various information processings, just all realized the present invention realizing each concrete grammar of the present invention, will in the embodiment of back, be described in detail.

Major advantage of the present invention is:

1, general POS machine promptly can only be collected money to client only with unidirectional gathering, brush client's bank card, and deducting money in client's bank card account by card-receiving bank then forwards in the account of trade company; And the DNA POS-ATM machine among the present invention [being called DNA POS machine (2) in this instructions] is except making general gathering purposes, also can be used as the function of ATM cash dispenser, by DNAPOS machine (2) with the money in money in client's smart card or the bank card that bundled, forward in the account of trade company, give client by trade company with cash then; Because the function of ATM cash dispenser has been arranged, and DNA POS machine of the present invention (2) further can be used as purpose of remittance, be a kind ofly collect payment, the multiduty POS machine of the three kinds of functions of withdrawing the money, remit money.

2, the money stored of smart card (6) is divided into money in the card and the money in the card account, money in the card is generally done little amount of money consumption payment, need not during payment by card center (1) transfer, but directly in blocking, deduct money, the money in the card account exists in the card center (1), generally makes purposes such as a large sum of money consumption and payment, to confirm program by DNA during payment, also smart card and bank card binding from the bank card account payment, also to can be confirmed program by DNA equally when payment.

3, money transfer method, by card center (1) as the go-between with regard to lovely bank account or smart card account to remit money to the payee.

Because it is numerous that the trade company of POS machine is installed, a lot of trade company's business hours are very long, it is DNA POS machine (2) that the convenience store that some 24 HOUR ACCESS had also been arranged in the last few years, a lot of this convenience stores have all been installed the computer cashing machine, so, hold the client of smart card (6), can utilize system of the present invention and correlation method easily,, extract cash at convenience store that DNA POS machine (2) has been installed or trade company place, and/or remittance, and/or carry out the trading activity of small amount payment.

Description of drawings

This instructions comprises following accompanying drawing:

Fig. 1 is that smart card POS machine system of the present invention constitutes and the running schematic illustration;

Fig. 2 is DNA POS machine (2) the structure embodiment key diagram in the smart card POS machine system of the present invention;

Fig. 3 is DNA POS machine (2) the boot program key diagram in the system of the present invention;

Fig. 4 is the key diagram of the DNA POS machine office worker of the trade company logging program login scheme one in the system of the present invention;

Fig. 5 is the key diagram of the DNA POS machine office worker of the trade company logging program login scheme two in the system of the present invention;

Fig. 6 is the key diagram that extracts first embodiment of cash at the trade company place by system of the present invention;

Fig. 7 is the key diagram that extracts second embodiment of cash at the trade company place by system of the present invention;

Fig. 8 is the key diagram that extracts the 3rd embodiment of cash at the trade company place by system of the present invention;

Fig. 9 is the key diagram of first embodiment that remits money by system of the present invention at trade company place;

Figure 10 is the key diagram of second embodiment that remits money by system of the present invention at trade company place;

Figure 11 is the key diagram of the 3rd embodiment that remits money by system of the present invention at trade company place;

Figure 12 is the embodiment key diagram that carries out small amount payment at the trade company place by system of the present invention.

Embodiment

Among the present invention, bank accounting center (5) also often are abbreviated as bank (5).

Below in conjunction with accompanying drawing, system and method for the present invention is described in further detail.

Described accompanying drawing and description of drawings all are schematically, spirit of the present invention be not subjected among the embodiment specify limit.

Consult Fig. 1, as previously mentioned, Fig. 1 is that smart card POS machine system of the present invention constitutes and the running schematic illustration.In this manual, with card center (1) representation DNA intelligent card centralized computer system.

DNA intelligent card centralized computer system, hereinafter to be referred as card center (1), its formation mainly includes card centralized computer system (1-1) and many mobile phones (1-2), the work such as monitoring that card centralized computer system (1-1) is responsible for preservation, follows the trail of the transaction record and the DNA POS machine (2) of all DNA smart cards, many mobile phones (1-2) are by wireless phone communication network (3) and DNA POS machine (2) communication.The mobile phone (1-2) that wherein is used for communication, each mobile phone is inserted with special SIM card, special SIM card can be provided by the cell phone network merchant, each special SIM card has the cell-phone telephone number of a special use, use the mobile phone (1-2) of these special SIM cards, can not with other telephone number communications, can only with each DNA POS machine (2) communication of native system.

In this instructions, each POS machine is all used DNA POS machine (2) expression, even only write the POS machine, also represents DNA POS machine (2).

Among Fig. 1, show DNA POS machine (2) and also be connected with card reader (2-6), various Payment Cards can be gone up through " Card Reader " in card reader (2-6), the process of electromagnetism read-write just, pay the bill from card, storer (2-2) stored of the relevant information of withholing in the DNA POS machine (2), and through wireless phone communication network (3) and card center (1), bank accounting center (5) are waited and are transmitted related data by the preset program requirement.

Also show among Fig. 1, DNA POS machine (2) also has usual means such as paper money counter.

Main handheld mobile phone of card (4) and various cards (6) shown in Fig. 1, various cards can be various bank cards, smart card, credit card, or the like.

Fig. 1 clearly show that the formation of system of the present invention, and DNA POS machine (2) is located at predetermined trade company place, withdraws the money after making things convenient for customers that promptly card is main and utilizing DNA POS machine of the present invention (2) system to authenticate or business tine such as remittance.

Continue to consult Fig. 1 and consult Fig. 2, Fig. 2 shows the primary structure block scheme of the DNA POS machine (2) among Fig. 1, described DNA POS machine (2) mainly includes: CPU (2-1), storer (2-2), printer (2-3), keyboard (2-4), display screen (2-5), non-contact type smart card reader (2-6), send mobile phone (2-7), receive mobile phone (2-8), wherein, CPU (2-1) is connected with other each parts, and by the preset program running, realize predetermined authentication, gathering, payment, the predetermined function of remittance and data transmission, and, sending mobile phone (2-7) is used for to card center (1) transmission data and the note that receives by client sent, receive mobile phone (2-8) and be used for from card center (1) reception data, send mobile phone (2-7) and be inserted with special SIM card, special SIM card is provided by the cell phone network merchant, can only be to card center (1) transmission data and the note that receives by client sent, receive mobile phone (2-8) and be inserted with to receive and use SIM card, reception is provided by the cell phone network merchant with SIM card, can only with card center (1) communication, and

Described card center (1) mainly includes: card centralized computer system (1-1) and many mobile phones (1-2), wherein, card centralized computer system (1-1) is responsible for preservation, follow the trail of the transaction record of all DNA smart cards and to the monitoring of each DNA POS machine (2), by wireless phone (1-2) through wireless phone communication network (3) and each DNA POS (2) communication, wherein, each mobile phone (1-2) that is used for communication is inserted with special SIM card, each special SIM card has the cell-phone telephone number of a special use, use the mobile phone of these special SIM cards, can only with each DNA POS machine (2) communication.

Also can say so, that is:

The main structure of DNA POS machine (2) includes CPU or claims controller (2-1), display screen (2-5), storer (2-2), printer (2-3), keyboard (2-4), non-contact type smart card reader (2-6) and two mobile phones (2-7,2-8).Wherein storer (2-2) is mainly used to store the All Activity record, comprises little trading, supplements with money, record such as a large sum of money transaction; Printer (2-3) is used for printing document and gives client, can print off data such as name of firm, address, POS machine numbering, cashier's name and numbering, transaction content, the amount of money, date, time on the document, wherein data such as name of firm, address, POS machine numbering, cashier's name and numbering can be used as the identification purposes, and just not being afraid of has human to steal dragon to change the phoenix method with DNA POS machine (2) cheating of stealthily substituting; Non-contact type smart card reader (2-6) is used for reading and writing client's non-contact type smart card (6) [hereinafter to be referred as smart card (6)]; Two mobile phones (2-7,2-8) are used for and card center (1) communication, wherein a mobile phone (2-7) is used for the transmission data and receives being used for the reception data by note, another mobile phone (2-8) that client sent, two mobile phones (2-7,2-8) special SIM card that is provided by the cell phone network merchant are provided respectively and receive uses SIM card, each SIM card has the cell-phone telephone number of a special use, sends mobile phone (2-7) and can only use special SIM card to card center (1) transmission data and the note that receives by client sent; Receive mobile phone (2-8) can only use receive with SIM card and card center (1) communication can not with other telephone number communications.

The numbering of pre-set this DNA POS machine (2) of meeting, insertion special SIM card and reception stored data such as name of firm address before DNA POS machine (2) dispatched from the factory with SIM card and in machine, just can not revise behind the data settings such as the numbering of DNA POS machine (2) and name of firm address, if DNA POS machine (2) is opened cover by the people, DNA POS machine (2) can destroy stored set data automatically, DNA POS machine (2) just can not continue to use, and must send factory's maintenance.

When each DNA POS machine (2) energized is started shooting, trade company is responsible for the non-contact type smart card (6) [being responsible for card (6) hereinafter to be referred as trade company] that the trade company of start usefulness will be responsible for and goes up Card Reader at non-contact type smart card reader (2-6) [hereinafter to be referred as card reader (2-6)], confirm program by DNA then, by the cashier his office worker's of trade company non-contact type smart card smart card (6) [hereinafter to be referred as the office worker of trade company card (6)] is gone up Card Reader in card reader (2-6) again after confirming successfully, confirm logging program by DNA then, success just can be brought into use DNA POS machine (2) after logining, when leaving DNA POS machine (2), the cashier to publish by ESC Escape immediately, to guarantee can not used DNA POS machine (2) without permission by the people.

Consult Fig. 3 to Fig. 5, shown in Fig. 3 to Fig. 5 is the boot program (2-91) and the logging program (2-92) of distinctive DNAPOS machine (2) in the system of the present invention, is called the key diagram of predetermined logging program (2-9).

Consult Fig. 3, shown in Fig. 3 is DNA POS machine (2) boot program (2-91), relating generally to trade company is responsible for, DNA POS machine (2), card center (1) mainly comprises 5 steps, represents with the digital circle that adds outsourcing among the figure, from Fig. 3 to Figure 12 all is to represent corresponding step in this way, and the boot program (2-91) of the DNA POS machine (2) of concrete steps shown in Figure 3 comprises:

Start step 1: connect DNA POS machine (2) power supply, DNA POS machine (2) automatically performs the start authentication procedure, and trade company is responsible for the card reader (2-6) that trade company's person in charge's card is placed on this DNA POS machine (2) and goes up Card Reader;

Start step 2:DNA POS machine (2) is numbered DNA POS machine (2) and the card number of the person in charge of trade company card is sent to card center (1), and card center (1) is responsible for the Account Profile that the card number that blocks finds trade company from DNA POS machine (2) numbering and trade company;

The start step 3: card center (1) check data errorless after, the phone number (4) that householder's pipe clamp card number of going into business finds trade company to be responsible for, utilize the incoming call display mode immediately, to block the special-purpose telephone number in center (1) and caller identification number of DNA POS machine (2) numbering composition, and use the telephone line of this caller identification number to dial the phone number (4) that trade company is responsible for;

Start step 4: the person in charge of trade company sees it is the incoming call and DNA POS machine (2) numbering at card center (1) from the caller ID on the mobile phone (4), agrees to authenticate start after the confirmation and just upward presses password confirming at mobile phone (4);

Start step 5: card center (1) check trade company be responsible for by password errorless after, send authentication information to this DNAPOS machine (2), if when there is the office worker of trade company in this trade company, this moment, this DNA POS machine (2) can begin the predetermined logging program of the office worker of trade company.

Consult Fig. 4 and Fig. 5, if when there is the office worker of trade company in this trade company, described predetermined logging program (2-9) also comprises the DNA POS machine office worker of trade company logging program (2-92), this DNA POS machine office worker of trade company logging program (2-92) specifically:

Use the login scheme one of DNA confirmation method step, comprising:

Login step 1: the office worker of trade company goes up Card Reader with the card reader (2-6) that the office worker of trade company is stuck on the DNA POS machine (2);

Login step 2: this DNA POS machine (2) is sent to card center (1) with the card number of this DNA POS machine (2) numbering and the office worker of trade company card, and card center (1) finds the Account Profile of this trade company from the card number of DNA POS machine (2) numbering and the office worker of trade company card;

Login step 3: card center (1) check data errorless after, find the office worker's of trade company mobile phone (4) number from trade company's office worker's card number, utilize the incoming call display mode immediately, to block caller identification number of special-purpose telephone number in center (1) and DNA POS machine (2) numbering composition, and use the telephone line of this caller identification number to dial the office worker's of trade company mobile phone (4) number;

Login step 4: the office worker of trade company sees it is the incoming call and DNA POS machine (2) numbering at card center (1) from the caller ID on the mobile phone (4), agrees to authenticate login after the confirmation and just upward presses password confirming at mobile phone (4);

Login step 5: card center (1) check the office worker of trade company by password errorless after, send the login successful information to DNAPOS machine (2), this DNA POS machine (2) can be started working; If the office worker of trade company will leave this DNA POS machine (2), will be by the ESC Escape on the DNA POS machine (2), this DNA POS machine (2) promptly is retracted into the wait logging status, can not carry out other operation, and the office worker just can continue to use DNA POS machine (2) after will logining success again.

Or, adopt directly and go up the login scheme two of pressing password at DNA POS machine (2), comprising:

This DNA POS machine (2) will store the card number of all office workers of trade company card of this trade company and the login data such as login password of this card number correspondence in advance, then enters:

Login step 2: the office worker of trade company inputs office worker's password, this DNA POS machine (2) check the card number of the office worker of trade company card and corresponding login password errorless after, DNA POS machine (2) can be started working; If the office worker of trade company will leave this DNA POS machine (2), will be by the ESC Escape on the DNA POS machine (2), DNA POS machine (2) promptly is retracted into the wait logging status, can not carry out other operation, and the office worker just can continue to use DNA POS machine (2) after will logining success again;

Login step 3: this DNA POS machine (2) is office worker's login data, comprise data transmissions such as card number, login time to card center (1) as record.

Because the office worker of trade company logging program (2-92) also is necessary program, if this trade company has only trade company to be responsible for a people when managing, he also will serve as the office worker of trade company, carries out the office worker of trade company logging program (2-92).

The operation of above-mentioned login scheme two is fairly simple quick, and the processing safety of scheme one is higher, and trade company can be by itself selecting wherein a kind of scheme.

Consult Fig. 6 to Fig. 8 below, Fig. 6 to Fig. 8 is three kinds and different extracts the method step of cash from DNA POS machine (2), it is characterized in that, has all adopted above-mentioned system of the present invention and predetermined logging program (2-9).

Fig. 6 is embodiment one, shows the program of extracting cash with smart card binding bank card in trade company.Described program technic comprises following concrete steps, is called example one step group, comprising:

Example one is prepared step:

At first card mainly specifies the site to register its bank card (6) to card center (1), smart card numbers and bank card (6) card number of registering in bank accounting center (5) is bundled, and register his mobile phone (4) telephone number, and be used for DNA and confirm operation,

And,

Example one step 1: card is main to be required to withdraw the money to trade company, tells the office worker of trade company to withdraw the money behind the amount of money, and smart card is placed on Card Reader on the card reader (2-6) on the DNA POS machine (2);

To card center (1), the program of withdrawing the money is carried out in request to example one step 2:DNA POS machine (2) with data transmissions such as this DNA POS machine (2) numbering, smart card numbers, the amount of money of withdrawing the money;

Example one step 3: card center (1) finds the Bank Account Number and main bank card (6) account number and mobile phone (4) number of card of trade company from data such as DNA POS machine (2) numbering, smart card numbers, utilize the incoming call display mode immediately, to block the special-purpose telephone number in center (1) and form a caller identification number, and use the telephone line of this caller identification number to dial main mobile phone (4) number of card with the amount of money of withdrawing the money;

Example one step 4: the caller ID on card principal and subordinate's mobile phone (4) sees it is the incoming call at card center (1) and the amount of money of withdrawing the money, and agrees after the confirmation that the affirmation password of just going up by bank card (6) at mobile phone (4) adds their confirmation;

Example one step 5: after card center (1) receives the affirmation password of the bank card (6) that card is main, be sent to bank (5) together with bank card (6) account number and the amount of money of withdrawing the money, request from block change in main bank card (6) account money to card center (1) in the account of same bank (5);

Example one step 6: the data of transferring accounts is received by bank (5), check account number, password and balance errorless after, change money in main bank card (6) account in the bank account of card center (1) from blocking, and announcement card center (1) transfers accounts successfully;

Example one step 7: card center (1) with the bank (5) of data transmissions such as the Bank Account Number of trade company, the amount of money of transferring accounts to trade company, request change in the bank account of card center (1) money to trade company in the account of same bank (5);

Example one step 8: bank (5) check data errorless after, in the bank account of card center (1), change money in the bank account of trade company, and announcement card center (1) transfers accounts successfully;

Example one step 9: card center (1) notice DNA POS machine (2) is transferred accounts successfully;

Example one step 10:DNA POS machine (2) is received the successful information of transferring accounts at card center (1), with storer (2-2) lining of information storage in DNA POS machine (2) of this transaction, and prints document and gives card main;

Example one step 11: the office worker of trade company sees the information on the document, and knowing withdraws the money operates successfully, so it is main to card to count banknote, and it is main to give card with client's connection of document, and trade company's connection of preservation document is as record;

Example one step 12: check the relevant data of the withdrawing the money announcement card master that sends short messages card center (1) in order to card is main, if the main discovery data of card is wrong, announcement card center (1) follow-up is immediately handled.

Consult Fig. 7, Fig. 7 is a kind of program technic of extracting cash at the trade company place, has adopted the step of extracting the fund in the smart card account, smart card POS machine system noted earlier and predetermined logging program (2-9) have been adopted, described program technic comprises following concrete steps, is called example two step groups, comprising:

Example two steps 1: card is main to be located to require to withdraw the money to trade company, tells the office worker of trade company to withdraw the money behind the amount of money, and smart card (6) is placed on Card Reader on the card reader (2-6) on the DNA POS machine (2);

To card center (1), the program of withdrawing the money is carried out in request to example two step 2:DNA POS machines (2) with data transmissions such as DNA POS machine (2) numbering, smart card numbers, the amount of money of withdrawing the money;

Example two steps 3: card center (1) finds the Bank Account Number and main mobile phone (4) number of card of trade company from data such as DNA POS machine (2) numbering, smart card (6) card numbers, utilize the incoming call display mode immediately, to block the special-purpose telephone number in center (1) and form a caller identification number, and use the telephone line of this caller identification number to dial main mobile phone (4) number of card with the amount of money of withdrawing the money;

Example two steps 4: the caller ID on card principal and subordinate's mobile phone (4) sees it is the incoming call at card center (1) and the amount of money of withdrawing the money, and agrees after the confirmation just to go up at mobile phone (4) to press smart card (6) affirmation password confirming;

Example two steps 5: card center (1) receives smart card (6) the affirmation password that card is main, after password check and account balance are errorless, in card master's smart card (6) account, deduct the withdraw the money amount of money and service charge, then with the bank (5) of data transmissions such as the Bank Account Number of trade company, the amount of money of withdrawing the money to trade company, request change in the bank account of card center (1) money to trade company in the account of same bank (5);

Example two steps 6: bank (5) check data errorless after, in the bank account of card center (1), change money in the bank account of trade company, and announcement card center (1) transfers accounts successfully;

Example two steps 7: card center (1) notice DNA POS machine (2) is transferred accounts successfully;

Example two step 8:DNA POS machines (2) are received the successful information of transferring accounts at card center (1), with storer (2-2) lining of information storage in DNA POS machine (2) of this transaction, and print document and give card main;

Example two steps 9: the office worker of trade company sees the information on the document, and knowing withdraws the money operates successfully, so it is main to card to count banknote, and it is main to give card with client's connection of document, and trade company's connection of preservation document is as record;

Example two steps 10: check the relevant data of the withdrawing the money announcement card master that sends short messages card center (1) so that card is main, if the main discovery data of card is wrong, and announcement card center (1) follow-up immediately.

Consult Fig. 8, Fig. 8 also is a kind of program technic of extracting cash at the trade company place, adopted directly the step of extracting fund in the smart card account, smart card POS machine system and predetermined logging program (2-9) have as previously described been adopted, described program technic comprises following concrete steps, be called example three step groups, comprise:

Example three steps 1: card is main asks the office worker of trade company after the amount of money is withdrawn the money in DNA POS machine (2) input, smart card (6) are put on the card reader (2-6), and input intelligent card password;

Example three step 2:DNA POS machines (2) are checked in card number, the card behind the errorless back of data such as surplus, password, deduct money in the main smart card (6) of card immediately and the attacker continues to pay dues, and this withdrawl deposit record is stored in storer (2-2) lining in the DNA POS machine (2);

Example three step 3:DNA POS machines (2) are given card center (1) with data transmissions such as card number, the withdraw the money amount of money and service charge, DNA POS machine (2) numberings;

Example three steps 4: card center (1) check data errorless after, the amount of money of will withdrawing the money adds service charge and calculates the amount of money of transferring accounts, then with the bank (5) of data transmissions such as the Bank Account Number of trade company, the amount of money of transferring accounts to trade company, request change in the bank account of card center (1) money to trade company in the account of same bank (5);

Example three steps 5: bank (5) check data errorless after, in the bank card account of card center (1), change money in the bank account of trade company, and announcement card center (1) transfers accounts successfully;

Example three steps 6: card center (1) notice DNA POS machine (2) is transferred accounts successfully;

Example three step 7:DNA POS machines (2) are received the successful information of transferring accounts at card center (1), just print the success document of withdrawing the money;

Example three steps 8: the office worker of trade company sees the information on the document, knows the operation success of withdrawing the money, so it is main to card to count banknote, and it is main to give card with client's connection of document, and trade company's connection of preservation document is as record.

Consult Fig. 9, Fig. 9 relates generally to a kind of Qian Hui that smart card (6) account is interior to the interior money transfer method of other people bank account, and described method has adopted smart card POS machine system as previously described, and described money transfer method comprises following concrete steps, be called example four step groups, comprise:

Example four steps 1: the card chief commander data of remitting money is issued card center (1) with note, and the remittance data comprises data such as payee name, payee bank account number, money transfer amount;

Example four steps 2: after card center (1) checks the remittance data, find main smart card (6) account number of card from caller ID, and producing an electronics draft, electronics draft content includes data such as electronics draft number, sender name, money transfer amount, payee name, payee bank account number and checks for the card master;

Example four steps 3: after several minutes, card center (1) utilizes the incoming call display mode, will block special-purpose telephone number in center (1) and money transfer amount and form a caller identification number, uses the telephone line of this caller identification number to dial main mobile phone (4) number of card;

Example four steps 4: the caller ID on card principal and subordinate's mobile phone (4) sees it is the incoming call and the money transfer amount at card center (1), agree after the confirmation just to go up to press smart card (6) password confirming at mobile phone (4), if realize that data is wrong, can not receive calls or answer the back not according to password confirming;

Example four steps 5: card center (1) receives the cryptographic smart cards that card is main, after password check and account balance are errorless, deduction money transfer amount and service charge in card master's smart card (6) account, then with the bank (5) of data transmissions such as payee's Bank Account Number, money transfer amount to the payee, request change in the bank account of card center (1) money to the payee in the account of same bank (5);

Example four steps 6: bank (5) check data errorless after, in the bank card account of card center (1), change money in payee's bank account, and announcement card center (1) transfers accounts successfully;

Example four steps 7: card center (1) announcement card master transfers accounts remittance to the payee.

Consult Figure 10, Figure 10 relate generally to a kind of in trade company with the money transfer method of the Qian Hui in smart card (6) account in other people bank account, described method has adopted smart card POS machine system and predetermined logging program (2-9) as previously described, described money transfer method comprises following concrete steps, be called example five step groups, comprise:

Example five steps 1: the card chief commander data of remitting money is issued the transmission mobile phone (2-7) of the DNA POS of trade company machine (2) with note, and the remittance data comprises data such as payee name, payee bank account number, money transfer amount;

Example five step 2:DNA POS machines (2) are from sending the remittance data note that mobile phone (2-7) receives that card is main, after checking the remittance data, produce an electronics draft, electronics draft content includes data such as electronics draft number, remitter's mobile phone (4) number, money transfer amount, payee name, payee bank account number and checks for the card master;

Example five steps 3: card chief commander's smart card (6) is put into card reader (2-6) and goes up Card Reader;

Example five step 4:DNA POS machines (2) will block main smart card (6) card number and electronics draft data transmission is given card center (1);

Example five steps 5: card center (1) check data errorless after, find main mobile phone (4) number of card from smart card (6) card number, utilize the incoming call display mode immediately, to block special-purpose telephone number in center (1) and money transfer amount and form a caller identification number, and use the telephone line of this caller identification number to dial main mobile phone (4) number of card;

Example five steps 6: the caller ID on card principal and subordinate's mobile phone (4) sees it is the incoming call and the money transfer amount at card center (1), agree after the confirmation just to go up to press the cryptographic smart cards affirmation at mobile phone (4), if realize that data is wrong, can not receive calls or answer the back not according to password confirming;

Example five steps 7: card center (1) receives smart card (6) the affirmation password that card is main, after password check and account balance are errorless, deduction money transfer amount and service charge in card master's smart card account, then with the bank (5) of data transmissions such as payee's Bank Account Number, money transfer amount to the payee, request change in the bank account of card center (1) money to the payee in the account of same bank (5);

Example five steps 8: bank (5) check data errorless after, in the bank card account of card center (1), change money in payee's bank account, and announcement card center (1) transfers accounts successfully;

Example five steps 9: card center (1) notice DNA POS machine (2) remittance is transferred accounts successfully;

Example five step 10:DNA POS machines (2) are with storer (2-2) lining of information storage in POS of this transaction, and it is main to card to print document;

Example five steps 11: card center (1) data that relevant remittance is successful is with SMS notification card master, and the master checks with convenient card, if the main discovery data of card is wrong, follow up announcement card center (1) immediately.

Consult Figure 11, Figure 11 also relates to a kind of method that arrives other people bank account in trade company with smart card (6) binding bank card (6) remittance money, described method has adopted smart card POS machine system and predetermined logging program (2-9) as previously described, described money transfer method comprises following concrete steps, be called example six step groups, comprise:

Example six steps 1: the card chief commander data of remitting money is issued the transmission mobile phone (2-7) of the DNA POS of trade company machine (2) with note, and the remittance data comprises data such as payee name, payee bank account number, money transfer amount;

Example six step 2:DNA POS machines (2) are from sending the remittance data note that mobile phone (2-7) receives that card is main, after checking the remittance data, produce an electronics draft, electronics draft content includes data such as electronics draft number, remitter's mobile phone (4) number, money transfer amount, payee name, payee bank account number and checks for the card master;

Example six steps 3: card chief commander's smart card (6) is put into card reader (2-6) and goes up Card Reader;

Example six step 4:DNA POS machines (2) will block main smart card (6) card number and electronics draft data transmission is given card center (1);

Example six steps 5: card center (1) check data errorless after, find main mobile phone (4) number of card and tie up bank card (6) number of bundle from smart card (6) card number, utilize the incoming call display mode immediately, to block special-purpose telephone number in center (1) and money transfer amount and form a caller identification number, and use the telephone line of this caller identification number to dial main mobile phone (4) number of card;

Example six steps 6: the caller ID on card principal and subordinate's mobile phone (4) sees it is the incoming call and the money transfer amount at card center (1), agree after the confirmation just to go up to press bank card (6) password confirming at mobile phone (4), if realize that data is wrong, can not receive calls or answer the back not according to password confirming;

Example six steps 7: card center (1) is sent to bank (5) together with the bank card account number and the amount of money of withdrawing the money after receiving that the main bank card of card is confirmed password, request from block change in the main bank card account money to card center (1) in the account of same bank (5);

Example six steps 8: the data of transferring accounts is received by bank (5), check account number, password and balance errorless after, change money in the bank account of card center (1) in will the card main bank card account, and announcement card center (1) transfers accounts successfully;

Example six steps 9: card center (1) with the bank (5) of data transmissions such as the Bank Account Number of trade company, the amount of money of transferring accounts to trade company, request change in the bank account of card center (1) money to trade company in the account of same bank (5);

Example six steps 10: bank (5) check data errorless after, in the bank account of card center (1), change money in the bank account of trade company, and announcement card center (1) transfers accounts successfully;

Example six steps 11: card center (1) notice DNA POS machine (2) remittance is transferred accounts successfully;

Example six step 12:DNA POS machines (2) are with storer (2-2) lining of information storage in this DNA POS machine (2) of this transaction, and it is main to card to print document;

Example six steps 13: card center (1) with SMS notification card master, the master checks with convenient card with the data of relevant remittance, if the main discovery data of card is wrong, and announcement card center (1) follow-up immediately.

More than in the example of three remittances, if the payee bank account is changed into payee's smart card (6) card number, just money directly can be converged in payee's smart card (6) account, near the payee takes smart card (6) trade company just can extract fund, smart card (6) just equals wallet like this, and no matter a lot of money stiver can be used smart card (6) payment.

Consult Figure 12, Figure 12 relates to a kind of method of paying with the Qian Zuoxiao amount of money in the smart card (6) at the trade company place, and described method has adopted smart card POS machine system and predetermined logging program (2-9) as previously described, and described method of payment comprises following concrete steps, be called example seven step groups, comprise:

Example seven steps 1: card is main when doing little amount of money shopping payment, smart card (6) is put into card reader (2-6) goes up Card Reader;

Example seven step 2:DNA POS machines (2) check data such as card number, smart card (6) surplus errorless after, in the main smart card (6) of card, deduct money immediately, and this transaction record be stored in storer (2-2) lining in the DNA POS machine (2);

Example seven step 3:DNA POS machines (2) are printed document and are given card main;

When being accumulate to, the stored little trading record of DNA POS machine (2) carry out following example seven steps 4 when certain amount of money will be settled accounts to example seven steps 7;

Example seven step 4:DNA POS machines (2) do not send all to the little amount of money revenue and expenditure record at card center (1) and transaction record and send card center (1) to and settle accounts;

Example seven steps 5: card center (1) check data errorless after, together with service charge etc., calculate amount payable, then with the bank (5) of data transmissions such as the Bank Account Number of trade company, amount payable to trade company, request change in the bank account of card center (1) money to trade company in the account of same bank (5);

Example seven steps 6: bank (5) check data errorless after, in the bank account of card center (1), change money in the bank account of trade company, and announcement card center (1) transfers accounts successfully;

Example seven steps 7: card center (1) notice DNA POS machine (2) settlement information, clearing are finished.

Content of the present invention is extremely abundant, and the system and method for being invented has purposes widely, and the master provides convenience for customer card, for bank (5), be placed with the trade company of DNA POS machine (2), all increased professional and income for wireless phone communication network (3).Enforcement of the present invention can bring good social benefit and economic benefit.

Claims

1. smart card POS machine system, described system mainly includes card center (1), one or more DNA POS machines (2), wireless phone communication network (3), trade company side and client's mobile phone (4), bank accounting center (5), and corresponding various all kinds of smart cards (6), wherein, card center (1) is DNA intelligent card centralized computer and communication system, have mobile communication device (1-2), bank accounting center (5) are the computer and the communication systems of bank, and DNA POS machine (2) is arranged on the predetermined trade company or the predetermined area;

DNA POS machine (2) has mobile communication device (2-7 and 2-8);

2. smart card POS machine system as claimed in claim 1, wherein, described DNA POS machine (2) mainly includes: CPU (2-1), storer (2-2), printer (2-3), keyboard (2-4), display screen (2-5), non-contact type smart card reader (2-6), send mobile phone (2-7), receive mobile phone (2-8), wherein, CPU (2-1) is connected with other each parts, and, realize predetermined authentication by the preset program running, gathering, payment, the predetermined function of remittance and data transmission, and, sending mobile phone (2-7) is used for to card center (1) transmission data and the note that receives by client sent, receive mobile phone (2-8) and be used for from card center (1) reception data, send mobile phone (2-7) and be inserted with special SIM card, special SIM card is provided by the cell phone network merchant, can only be to card center (1) transmission data and the note that receives by client sent, receive mobile phone (2-8) and be inserted with to receive and use SIM card, reception is provided by the cell phone network merchant with SIM card, can only with card center (1) communication, and

3. smart card POS machine system as claimed in claim 1, wherein, described predetermined logging program (2-9) comprises the boot program (2-91) of DNA POS machine (2), mainly comprises following start step:

Start step 5: card center (1) check trade company be responsible for by password errorless after, send authentication information to this DNA POS machine (2), if when there is the office worker of trade company in this trade company, this moment, this DNA POS machine (2) can begin the predetermined logging program of the office worker of trade company;

When if there is the office worker of trade company in this trade company, described predetermined logging program (2-9) also comprises the DNAPOS machine office worker of trade company logging program (2-92), this DNA POS machine office worker of trade company logging program (2-92) specifically:

Use the login scheme one of DNA confirmation method step, comprising:

Login step 5: card center (1) check the office worker of trade company by password errorless after, send the login successful information to DNA POS machine (2), this DNA POS machine (2) can be started working; If the office worker of trade company will leave this DNA POS machine (2), will be by the ESC Escape on the DNA POS machine (2), this DNA POS machine (2) promptly is retracted into the wait logging status, can not carry out other operation, and the office worker just can continue to use DNAPOS machine (2) after will logining success again;

Or, adopt directly and go up the login scheme two of press password at DNA POS machine (2), comprising: this DNA POS machine (2) will stored the card number of all office workers of trade company cards of this trade company and the login data such as login password of this card number correspondence in advance, then enters:

4. program technic of extracting cash at trade company place, adopted the step of smart card binding bank card, adopted as smart card POS machine system as described in claim 1 or 2 or 3, described program technic comprises following concrete steps, be called example one step group, comprise: example one is prepared step:

And,

To card center (1), the program of withdrawing the money is carried out in request to example one step 2:DNA POS machine (2) with data transmissions such as this DNA POS machine (2) numbering, smart card (6) card number, the amount of money of withdrawing the money;

Example one step 3: card center (1) finds the Bank Account Number and main bank card (6) account number and mobile phone (4) number of card of trade company from data such as DNA POS machine (2) numbering, smart card (6) card numbers, utilize the incoming call display mode immediately, to block the special-purpose telephone number in center (1) and form a caller identification number, and use the telephone line of this caller identification number to dial main mobile phone (4) number of card with the amount of money of withdrawing the money;

Example one step 7: card center (1) with the bank (5) of data transmissions such as the Bank Account Number of trade company, the amount of money of transferring accounts to trade company, request change in the bank account of card center (1) money to trade company in the account of same bank;

5. program technic of extracting cash at trade company place, adopted the step of the fund in extraction smart card (6) account, adopted as smart card POS machine system as described in claim 1 or 2 or 3, described program technic comprises following concrete steps, be called example two step groups, comprise:

Example two steps 5: card center (1) receives smart card (6) the affirmation password that card is main, after password check and account balance are errorless, in card master's smart card (6) account, deduct the withdraw the money amount of money and service charge, then with the bank (5) of data transmissions such as the Bank Account Number of trade company, the amount of money of withdrawing the money to trade company, request change in the bank account of card center (1) money to trade company in the account of same bank;

6. program technic of extracting cash at trade company place, adopted directly the step of extracting fund in the smart card account, adopted as smart card POS machine system as described in claim 1 or 2 or 3, described program technic comprises following concrete steps, be called example three step groups, comprise:

Example three steps 1: card is main asks the office worker of trade company after the amount of money is withdrawn the money in DNA POS machine (2) input, smart card (6) are put on the card reader (2-6), and the clip pin of input smart card;

Example three step 2:DNA POS machines (2) check in card number, the card data such as surplus, password errorless after, in the main smart card (6) of card, deduct money immediately and the attacker continues to pay dues, and this withdrawl deposit record be stored in storer (2-2) lining in the DNA POS machine (2);

Example three steps 4: card center (1) check data errorless after, the amount of money of will withdrawing the money adds service charge and calculates the amount of money of transferring accounts, then with the bank (5) of data transmissions such as the Bank Account Number of trade company, the amount of money of transferring accounts to trade company, request change in the bank account of card center (1) money to trade company in the account of same bank;

7. the Qian Hui that smart card (6) account is interior is to the interior money transfer method of other people bank account, described method has adopted as smart card POS machine system as described in claim 1 or 2 or 3, described money transfer method comprises following concrete steps, is called example four step groups, comprising:

Example four steps 4: the caller ID on card principal and subordinate's mobile phone (4) sees it is the incoming call and the money transfer amount at card center (1), agree after the confirmation just to go up to press the cryptographic smart cards affirmation at mobile phone (4), if realize that data is wrong, can not receive calls or answer the back not according to password confirming;

Example four steps 5: card center (1) receives the cryptographic smart cards that card is main, after password check and account balance are errorless, deduction money transfer amount and service charge in card master's smart card (6) account, then with the bank of data transmissions such as payee's Bank Account Number, money transfer amount to the payee, request change in the bank account of card center (1) money to the payee in the account of same bank;

Example four steps 6: bank check data errorless after, in the bank card account of card center (1), change money in payee's bank account, and announcement card center (1) transfers accounts successfully;

One kind in trade company with the money transfer method of the Qian Hui in smart card (6) account in other people bank account, described method has adopted as smart card POS machine system as described in claim 1 or 2 or 3, described money transfer method comprises following concrete steps, is called example five step groups, comprising:

Example five steps 7: card center (1) receives the smart card affirmation password that card is main, after password check and account balance are errorless, deduction money transfer amount and service charge in card master's smart card account, then with the bank of data transmissions such as payee's Bank Account Number, money transfer amount to the payee, request change in the bank account of card center (1) money to the payee in the account of same bank;

Example five steps 8: bank check data errorless after, in the bank card account of card center (1), change money in payee's bank account, and announcement card center (1) transfers accounts successfully;

9. one kind is converged the method for money to other people bank account in trade company with smart card (6) binding bank card (6), described method has adopted as smart card POS machine system as described in claim 1 or 2 or 3, described money transfer method comprises following concrete steps, is called example six step groups, comprising:

Example six steps 5: card center (1) check data errorless after, find main mobile phone (4) number of card and the bank card number of binding from smart card (6) card number, utilize the incoming call display mode immediately, to block special-purpose telephone number in center (1) and money transfer amount and form a caller identification number, and use the telephone line of this caller identification number to dial main mobile phone (4) number of card;

Example six steps 6: the caller ID on card principal and subordinate's mobile phone (4) sees it is the incoming call and the money transfer amount at card center (1), agree after the confirmation just to go up by bank card password to confirm at mobile phone (4), if realize that data is wrong, can not receive calls or answer the back not according to password confirming;

Example six steps 7: card center (1) is sent to bank together with the bank card account number and the amount of money of withdrawing the money after receiving that the main bank card of card is confirmed password, request from block change in the main bank card account money to card center (1) in the account of same bank;

Example six steps 8: the data of transferring accounts is received by bank (5), check account number, password and balance errorless after, change money in the bank account of card center (1) from blocking in the main bank card account, and announcement card center (1) transfers accounts successfully;

Example six steps 9: card center (1) with the bank (5) of data transmissions such as the Bank Account Number of trade company, the amount of money of transferring accounts to trade company, request change in the bank account of card center (1) money to trade company in the account of same bank;

10. method of paying with the Qian Zuoxiao amount of money in the smart card (6) at trade company place, described method have adopted as smart card POS machine system as described in claim 1 or 2 or 3, and described method of payment comprises following concrete steps, is called example seven step groups, comprising:

When being accumulate to, the stored little trading record of DNA POS machine (2) carries out following example seven steps 4 when certain amount of money need be settled accounts to example seven steps 7:

Example seven steps 5: card center (1) check data errorless after, together with service charge etc., calculate amount payable, then with the bank (5) of data transmissions such as the Bank Account Number of trade company, amount payable to trade company, request change in the bank account of card center (1) money to trade company in the account of same bank;