CN101520928A - Fixed network payment terminal and operation method thereof - Google Patents
Fixed network payment terminal and operation method thereof Download PDFInfo
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- CN101520928A CN101520928A CN200910020062A CN200910020062A CN101520928A CN 101520928 A CN101520928 A CN 101520928A CN 200910020062 A CN200910020062 A CN 200910020062A CN 200910020062 A CN200910020062 A CN 200910020062A CN 101520928 A CN101520928 A CN 101520928A
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Abstract
The invention discloses a fixed network payment terminal and an operation method thereof. The fixed network payment terminal consists of a microprocessor, a singlechip, a keyboard, an LCD display screen, a Flash memory, a printer, an IC card reader, a magnetic card reader and a PSAM card reader, wherein the singlechip, the keyboard, the LCD display screen and the Flash memory are connected with the microprocessor and used for dialing a telephone, editing short messages, inputting bank services and editing menus; and the printer, the IC card reader, the magnetic card reader and the PSAM card reader are connected with the singlechip. The operation method thereof comprises that: after a system is powered and initialized, the system enters an idle state, and a main function of the system is continually searched whether to be interrupted; and when the interruption happens, the type of the event is judged by interrupting a vector table, and a corresponding event processing function is entered. A fixed line terminal and a POS terminal are integrally inosculated, so the fixed network payment terminal and the operation method thereof save the manufacturing cost of equipment, have high cost performance, and have the functions of receiving and transmitting short messages and reading bank IC cards.
Description
Technical field
The present invention relates to a kind of fixed network payment terminal that possesses common telephony functions and can finish business such as short message receiving-transmitting and bank transfer payment, belong to communication technical field.
Background technology
Fixed network payment is paid means by mails as the innovation that a kind of phone and POS machine combine, under the common promotion of Unionpay's bank and other financial mechanism and telecom operators, the market recoverable amount of terminal reaches a certain scale, and whole industry begins to have entered the application nurturing period from the basic place mat stage.The fixed telephone user colony at the price advantage of fixed network payment terminal, the experience of swiping the card that is similar to POS, the convenient advantage that is simple and easy to usefulness and 3.8 hundred million families, the whole nation all provides very wide prospect for the development of fixed network payment.
Fixed network payment terminal, by with the cooperation of Unionpay, bank, can realize swiping the card transaction clearance and finance and money management business such as bank card inquiry, account transfer are provided, and open service co-operation platform, provide abundant Zhi Fuyu service content by some CP, SP, the business such as commercial articles ordering, electronic bill are ordered, the card class is supplemented with money that for example give a discount realize that really the user does not go out the door and just can easily finish transaction.Compare with similar business such as online transaction, telephone banks, this terminal has adopted three grades of encryption mechanisms of PSAM card of People's Bank of China's approval, the user swipes the card voluntarily, and real-time implementation is withholdd and clearing transactions, each user is again the fixed telephone subscriber, detailed user's register information is arranged and pay the fees credit record, identity can be reviewed, and has farthest reduced both sides' transaction risk.
Existing fixed network payment terminal product does not possess function of receiving and sending short message, and does not consider the EMV migration problem of bank card, can not read IC-card formula bank card.
Summary of the invention
The present invention is directed to the problem that existing fixed network payment terminal exists, a kind of fixed network payment terminal that fixed phone terminal and POS terminal can be combined together, have short message receiving-transmitting and bank's IC-card read functions is provided, a kind of operation method of this fixed network payment terminal is provided simultaneously.
Fixed network payment terminal of the present invention is made of microprocessor, single-chip microcomputer, keyboard, LCD display, Flash storer, printer, IC-card card reader, magnetic card reader and PSAM card reader:
Microprocessor: (PSTN) links to each other with host computer by fixed-line telephone network, receives from the host computer instruction, handles dependent event, return results after finishing;
Single-chip microcomputer: be connected with microprocessor, be used for the transmission of data between printer, magnetic card reader and IC-card card reader and the microprocessor, receive the instruction that comes from microprocessor, finish associative operation and return results;
Keyboard: be connected with microprocessor, be used for dialing, short message editing, banking input and menu editing;
LCD display: be connected with microprocessor, be used for the demonstration of time on date, telephone number, keyboard input, return results and relevant prompting; Adopt 128 * 64 dot matrix, subsidiary Chinese characters of level 2 character library can show 4 row Chinese characters, can demonstrate the information that surpasses a screen scope by roll screen mode up and down;
Flash storer: be connected with microprocessor, needing after note, telephone number and the outage be used for the storage of reservation information; Capacity with 1Mbit;
Printer: be connected with single-chip microcomputer, be used for the printing of transaction results; Adopt external heat-sensitive type, parallel mode Data transmission, non-fault are printed number and are no less than 50,000;
IC-card card reader: be connected with single-chip microcomputer, be used for reading the canned data of the IC-card of brushing; The correlation technique index meets " China's finance integrated circuit (IC) calliper model " requirement;
Magnetic card reader: be connected with single-chip microcomputer, read brush canned data in the bank magnetic stripe card; The magnetic track information in magnetic standard normal range can be accurately read, and two, three track data of magnetic stripe card can be read simultaneously; The magnetic stripe card of all GB/T of meeting 14916, GB/T15120, GB/T 15694-1, ISO 7812-2, GB/T17552 standard can both read; Unidirectional single face is swiped the card, and the velocity range of swiping the card is 10 mm/second-100 mm/second, and the life-span reaches more than 400,000 times;
PSAM card reader: be connected with single-chip microcomputer, be used to read or write the every information relevant with the PSAM card; Embedded PSAM card (lesser calorie), technical indicator meet ISO/IEC 7816 serial international standards, " China's finance integrated circuit (IC) calliper model ", " China's finance IC-card pilot PSAM using standard "; Work such as the data encryption/decryption of this terminal, MAC verification are finished by PSAM card circuit: every station terminal has a unique device id, and this number storage is in the file of PSAM card, and file layout and coding rule are identical with POS equipment.
The operation method of above-mentioned fixed network payment terminal is as follows:
After the system power-up initialization, enter idle condition, whether the continuous inquiry of system's principal function has interruption.When interrupt taking place, which kind of incident what judge generation by interrupt vector table is, and enters events corresponding and handle function.These incidents comprise: ring (phone or note), on-hook, dialing, banking and menu editing, wherein these three kinds of situations of phone ringing, on-hook and dialing are identical with plain old telephone, just remain three kinds below and are described in detail.
(1) note
This terminal receives the note that comes from sms center, produces ringdown, and short message content is stored in the Flash storer, can store 60 at most, exceeds part and will override the note that receives the earliest.Simultaneously, terminal also can externally send note, and after transmission finished, terminal with the note storage, can be stored 60 at most automatically.During short message editing, can utilize the input method switch key, make input method between English, numeral, Chinese character, switch.Access way adopts the FSK mode, and data transmission rate is 1200Baud, and logical zero/1 is expressed as 1200Hz/2200Hz, and data mode is a scale-of-two asynchronous serial mode.
(2) menu editing
Menu is divided into four: message registration, Time of Day, transaction setting and help.Divide four under the call log sub-menu again: missed call, received calls, dial and empty message registration; Transaction is provided with four of following minute of submenus: dial outside line key, communication signal intensity (1-7 level, acquiescence are 5), customer service telephone number and business telephone number (1-3 telephone number prestores) in advance; Help two of following minute of submenus: version information and help information.Above all functions can by on turn over, turn over down, last layer, one deck and acknowledgement key are finished down.Only under the maintenance test pattern, business telephone number and customer service phone can be set, can before number, increase area code, exchange dial-out prefix, IP phone prefix number etc. when being provided with.Under normal mode of operation, these menu items are hidden.
(3) banking
A simple transaction can be finished by following several steps:
A verifies request: the terminal call host computer after host computer is received call request and off-hook, sends the checking request to terminal and disappears
Breath, the compatibility of verification platform;
The B auth response: terminal is carried out compatibility verification, and checking is not passed through, and host computer is received the execution on-hook operation of response back;
C device drives request (as keyboard input request, screen output request, printer output request etc.): carry out associative operation after the terminal request of receiving;
D device drives response (as keyboard input response, screen output response, printer output response etc.): host computer receives that responding the back carries out follow-up flow process according to configuration information, sends other transaction;
In process of exchange, host computer and terminal can be carried out the on-hook operation, finish conversation, and the on-hook operation is initiated by terminal in principle, but when unusual condition occurring in the process of exchange (as MAC verification mistake, overtime etc.), by the discovery side the earliest of mistake carrying out the on-hook operation.
The present invention combines fixed phone terminal and POS terminal together, and has function of receiving and sending short message, has saved the device fabrication cost, and the cost performance height has been considered the EMV migration problem simultaneously, has the read functions to bank's IC-card, and wide market application prospect is arranged.
Description of drawings
Fig. 1 is a principle schematic of the present invention.
Fig. 2 is keyboard appearance figure of the present invention.
Fig. 3 is a program flow diagram of the present invention.
Fig. 4 is menu option figure of the present invention.
Fig. 5 be the present invention use simple transaction flow process figure.
Embodiment
As shown in Figure 1, fixed network payment terminal of the present invention is the terminal man-machine interface of End-Customer, whole terminal is made of microprocessor, keyboard, Flash storer, single-chip microcomputer, LCD display, magnetic card reader and printer, IC-card card reader, PSAM card reader, keyboard, LCD display, PSAM card reader, Flash storer and single-chip microcomputer all are connected with microprocessor, and printer, magnetic card reader and IC-card card reader all are connected with single-chip microcomputer.Microprocessor adopts the W925E240 chip, and single-chip microcomputer adopts AT89C51, adopts high capacity Flash storer.Every station terminal all has a unique ID number, and program can be upgraded by management port, and phone disposes anti-disassembling device, in case phone is opened, id information, key information etc. will be deleted automatically, and dialogue machine locks.
Wherein, microprocessor W925E240 links to each other with host computer by fixed-line telephone network (PSTN), supports FSK (being used for data transmission) and two kinds of communication modes of DTMF (being used for ringdown), receives from the host computer instruction, handles dependent event, return results after finishing.Keyboard is used for dialing, short message editing, banking input and menu editing etc., and the surface structure of keyboard as shown in Figure 2.LCD is used for display keyboard input, return results and relevant prompting etc.The PSAM card reader is used to read or write the various information relevant with the PSAM card.The Flash storer needing after note, telephone number and the outage to be used for the storage of reservation information etc.The AT89C51 single-chip microcomputer links to each other with the W925E240 microprocessor, be responsible for the transmission of data between printer, magnetic card reader and IC-card card reader and the W925E240 microprocessor, reception comes from the instruction of W925E240 microprocessor, finishes associative operation and return results.Printer is used for the printing of transaction results.Magnetic card reader reads the canned data in the bank magnetic stripe card.The IC-card card reader then read brush canned data in the IC-card.
The operational process of fixed network payment terminal of the present invention is as shown in Figure 3: after the system power-up initialization, enter idle condition, whether the continuous inquiry of system's principal function has interruption.When interrupt taking place, to judge the kind of generation incident by interrupt vector table, and enter events corresponding and handle function, this is comprising ring (phone or note), on-hook, dialing, banking and menu editing.
1. note
Access way adopts the FSK mode, and data transmission rate is 1200Baud, and logical zero/1 is expressed as 1200Hz/2200Hz, and data mode is a scale-of-two asynchronous serial mode.This terminal receives the note that comes from sms center, produces ringdown, and short message content is stored in the Flash storer, can store 60 at most, exceeds part and will override the note that receives the earliest.Except that receiving, this terminal also can externally send note.During short message editing, can utilize the input method switch key, make input method between English, numeral, Chinese character, switch.After transmission finished, terminal with the note storage, can be stored 60 at most automatically.
2. menu editing
As shown in Figure 4, menu is divided into four: message registration, Time of Day, transaction setting and help.Divide four under the call log sub-menu again: missed call, received calls, dial and empty message registration; Transaction is provided with four of following minute of submenus: dial outside line key, communication signal intensity (1-7 level, acquiescence are 5), customer service telephone number and business telephone number (1-3 telephone number prestores) in advance; Help two of following minute of submenus; Version information and help information.Above all functions can by on turn over, turn over down, last layer, one deck and acknowledgement key are finished down.Only under the maintenance test pattern, business telephone number and customer service phone can be set, can before number, increase area code, exchange dial-out prefix, IP phone prefix number etc. when being provided with.Under normal mode of operation, these menu items are hidden.
3. banking
As shown in Figure 5, a simple transaction can be finished by following step:
1. checking request.The terminal call host computer after host computer is received call request and off-hook, sends checking request message, the compatibility of verification platform to terminal;
2. auth response.Terminal is carried out compatibility verification, and checking is not passed through, and host computer is received the execution on-hook operation of response back;
3. device drives request (as keyboard input request, screen output request, printer output request etc.).Terminal is received request back execution associative operation;
4. device drives response (as keyboard input response, screen output response, printer output response etc.).Host computer is carried out follow-up flow process according to configuration information after receiving response, sends other transaction;
In process of exchange, host computer and terminal can be carried out the on-hook operation, finish conversation, and the on-hook operation is initiated by terminal in principle, but when unusual condition occurring in the process of exchange (as MAC verification mistake, overtime etc.), by the discovery side the earliest of mistake carrying out the on-hook operation.
Claims (4)
1. fixed network payment terminal is characterized in that: be made of microprocessor, single-chip microcomputer, keyboard, LCD display, Flash storer, printer, IC-card card reader, magnetic card reader and PSAM card reader:
Microprocessor: link to each other with host computer by fixed-line telephone network, receive, handle dependent event, return results after finishing from the host computer instruction;
Single-chip microcomputer: be connected with microprocessor, be used for the transmission of data between printer, magnetic card reader and IC-card card reader and the microprocessor, receive the instruction that comes from microprocessor, finish associative operation and return results;
Keyboard: be connected with microprocessor, be used for dialing, short message editing, banking input and menu editing;
LCD display: be connected with microprocessor, be used for the demonstration of Time of Day, telephone number, keyboard input, return results and relevant prompting;
Flash storer: be connected with microprocessor, needing after note, telephone number and the outage be used for the storage of reservation information;
Printer: be connected with single-chip microcomputer, be used for the printing of transaction results;
IC-card card reader: be connected with single-chip microcomputer, be used for reading the canned data of the IC-card of brushing;
Magnetic card reader: be connected with single-chip microcomputer, be used for reading the canned data of bank magnetic stripe card;
PSAM card reader: be connected with single-chip microcomputer, be used to read or write the various information relevant with the PSAM card.
2. the operation method of the described fixed network payment terminal of claim 1, it is characterized in that: after the system power-up initialization, enter idle condition, whether the continuous inquiry of system's principal function has interruption, when interrupting taking place, judge the kind of generation incident by interrupt vector table, and enter events corresponding processing function, comprise ring, on-hook, dialing, banking and menu editing.
3. as the operation method of fixed network payment terminal as described in the claim 2, it is characterized in that: described menu is divided into four: message registration, Time of Day, transaction setting and help; Divide four under the call log sub-menu again: missed call, received calls, dial and empty message registration; Transaction is provided with four of following minute of submenus: dial outside line key, communication signal intensity, customer service telephone number and business telephone number in advance; Help two of following minute of submenus: version information and help information.
4. as the operation method of fixed network payment terminal as described in the claim 2, it is characterized in that: described banking is finished by following steps:
A verifies request: the terminal call host computer after host computer is received call request and off-hook, sends checking request message, the compatibility of verification platform to terminal;
The B auth response: terminal is carried out compatibility verification, and checking is not passed through, and host computer is received the execution on-hook operation of response back;
The request of C device drives: terminal is received request back execution associative operation;
The response of D device drives: host computer is carried out follow-up flow process according to configuration information after receiving response, sends other transaction.
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| CN200910020062A CN101520928A (en) | 2009-03-27 | 2009-03-27 | Fixed network payment terminal and operation method thereof |
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| CN200910020062A CN101520928A (en) | 2009-03-27 | 2009-03-27 | Fixed network payment terminal and operation method thereof |
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Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101763694A (en) * | 2010-03-12 | 2010-06-30 | 张永建 | Multi-functional pos all-in-one machine with multiple transmission modes |
| CN102598046A (en) * | 2009-10-13 | 2012-07-18 | 平方股份有限公司 | Systems and methods for financial transaction through miniaturized card reader |
| US9858603B2 (en) | 2002-02-05 | 2018-01-02 | Square, Inc. | Card reader with power efficient architecture that includes a wake-up circuit |
| CN107784756A (en) * | 2016-08-24 | 2018-03-09 | 湖南长城计算机系统有限公司 | A kind of control method and control device of POS read-write PSAM card informations |
| US10007813B2 (en) | 2002-02-05 | 2018-06-26 | Square, Inc. | Card reader with passive ID circuit |
| US10140481B2 (en) | 2002-02-05 | 2018-11-27 | Square, Inc. | Card reader with power efficient architecture that includes a power supply and a wake-up circuit |
| US10304043B1 (en) | 2014-05-21 | 2019-05-28 | Square, Inc. | Multi-peripheral host device |
| US10410021B1 (en) | 2017-12-08 | 2019-09-10 | Square, Inc. | Transaction object reader with digital signal input/output and internal audio-based communication |
| US10579836B1 (en) | 2014-06-23 | 2020-03-03 | Square, Inc. | Displaceable card reader circuitry |
| US11087301B1 (en) | 2017-12-19 | 2021-08-10 | Square, Inc. | Tamper resistant device |
| CN116804942A (en) * | 2023-06-26 | 2023-09-26 | 广东凯普科技智造有限公司 | Event-driven-based single-chip microcomputer operating system implementation method |
-
2009
- 2009-03-27 CN CN200910020062A patent/CN101520928A/en active Pending
Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US9858603B2 (en) | 2002-02-05 | 2018-01-02 | Square, Inc. | Card reader with power efficient architecture that includes a wake-up circuit |
| US10007813B2 (en) | 2002-02-05 | 2018-06-26 | Square, Inc. | Card reader with passive ID circuit |
| US10140481B2 (en) | 2002-02-05 | 2018-11-27 | Square, Inc. | Card reader with power efficient architecture that includes a power supply and a wake-up circuit |
| CN102598046A (en) * | 2009-10-13 | 2012-07-18 | 平方股份有限公司 | Systems and methods for financial transaction through miniaturized card reader |
| CN101763694A (en) * | 2010-03-12 | 2010-06-30 | 张永建 | Multi-functional pos all-in-one machine with multiple transmission modes |
| US10304043B1 (en) | 2014-05-21 | 2019-05-28 | Square, Inc. | Multi-peripheral host device |
| US10579836B1 (en) | 2014-06-23 | 2020-03-03 | Square, Inc. | Displaceable card reader circuitry |
| CN107784756A (en) * | 2016-08-24 | 2018-03-09 | 湖南长城计算机系统有限公司 | A kind of control method and control device of POS read-write PSAM card informations |
| US10410021B1 (en) | 2017-12-08 | 2019-09-10 | Square, Inc. | Transaction object reader with digital signal input/output and internal audio-based communication |
| US11100298B1 (en) | 2017-12-08 | 2021-08-24 | Square, Inc. | Transaction object reader with analog and digital signal interface |
| US11087301B1 (en) | 2017-12-19 | 2021-08-10 | Square, Inc. | Tamper resistant device |
| CN116804942A (en) * | 2023-06-26 | 2023-09-26 | 广东凯普科技智造有限公司 | Event-driven-based single-chip microcomputer operating system implementation method |
| CN116804942B (en) * | 2023-06-26 | 2024-04-02 | 广东凯普科技智造有限公司 | Event-driven-based single-chip microcomputer operating system implementation method |
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Open date: 20090902 |