CN101694710A - Electronic transaction counter service system and realization method - Google Patents
Electronic transaction counter service system and realization method Download PDFInfo
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- CN101694710A CN101694710A CN200910192784A CN200910192784A CN101694710A CN 101694710 A CN101694710 A CN 101694710A CN 200910192784 A CN200910192784 A CN 200910192784A CN 200910192784 A CN200910192784 A CN 200910192784A CN 101694710 A CN101694710 A CN 101694710A
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Abstract
The invention provides an electronic transaction counter service system and a realization method. The system comprises transaction equipment, a PC browser, an ActiveX control, a management website, a bank card transaction front system and a transfer expert system, wherein the transfer expert system is connected with a third party transaction channel system through a DDN dedicated wire; the PC browser is connected with the transaction equipment by a serial port or USB port physical wire; the transaction equipment communicates with the bank card transaction front system through a telephone wire, a dedicated wire and the wireless network; the ActiveX control communicates with the bank card transaction front system through the internet; and the bank card transaction front system communicates with a bank card transaction background processing system through the DDN dedicated wire. The invention integrates the traditional financial service functions into a whole such as POS paying by card, transfer at a bank counter, cash collection, payment and the like, solves the problem that the traditional POS is only available to cash collection but not to payment and simultaneously overcomes the difficulty that a using commercial tenant can not inquire about the transaction status in real time.
Description
Technical field
The present invention relates to a kind of electronic transaction counter service system that financial services such as terminating machine bankcard consumption and bank counter account transfer, gathering, payment function is merged one.
Background technology
Swipe the card POS machine, bank counter/ATM, online shopping mall's on-line payment of the traditional bank card that uses of main flow at present, in various degree defective below all existing:
One, the traditional bank card POS that swipes the card: using more at present is to be the bank card of the representative terminal system of swiping the card with China Unionpay.This type systematic need be located one of mounting arrangements the user and swipe the card the terminal machine as client, and construction one cover transaction front-end system in backstage a bit inserts as following all terminal machines of swiping the card, and communication modes commonly used has telephone wire, GPRS/CDMA wireless network etc.The shortcoming of this series products has:
1, function singleness.This series products mainly is the bank card gathering problem when solving user's merchandising, thus major function be have magnetic to have close/no close bank card is collected money, may also attach card inquiry into balance function in addition.The financial service that lack account transfer, pay the fees etc. used always.
2, lack trade management.Because what this system adopted is C/S model; and in client is the terminal machine of swiping the card; the user can not effectively manage the transaction situation of oneself; can't inquire about transactions history detail, transaction statistics, transaction results inquiry etc., regular meeting disputes with the holder owing to can't learn transaction results.
Two, bank counter/ATM: bank counter and ATM provide one of most important channel of service to the client as bank.The service function that provides is relatively also abundanter, but owing to reasons such as limited amounts, makes troubles to the user to a great extent.
1, fixed-site.Bank counter/ATM is the service network of fixing, and owing to reasons such as cost costlinesses, dot number is limited, and the user often will seek bank outlets/ATM everywhere for function such as transfer accounts, and brings very big inconvenience for user's use.
2, the loaded down with trivial details efficient of formality is low.Bank counter/ATM etc. are owing to be public service point, and therefore the personnel that use can be very many, and normally adopt artificial dialogue as the interactive mode of sales counter, so efficient is low relatively, and the client needs to arrange very long team usually.Also greatly wasted user's quality time after the use inconvenience.
Three, online shopping mall's on-line payment: as an emerging product, people's favor is more and more received in shopping online.Online commodity are of a great variety, make us dazzled, but means of payment and safety but are that very big restriction is arranged.
1, security is low.What shopping online was used is Internet resources, as everyone knows, the internet is a place easily, it simultaneously also is an extremely dangerous place, particularly for this funds transaction of bank card, on the net great danger arranged alternately, client wooden horse, internet transmission all might steal account information.
2, means of payment are single.Present online payment means are still more single, the overwhelming majority all is input bank card number and the bank cipher that provides based on each bank, and each bank has done many restrictions for online payment, need to open online payment to sales counter, the amount of money of downloadable authentication and payment is restricted, and these all bring very big inconvenience to the user.
3, success ratio is low.Online transaction is owing to be subjected to factor affecting such as bank's restriction, unstable networks, and transaction many times can be failed, and trouble is unstable networks sometimes, and the user does not know the result of transaction, and this has just greatly injured user's interests guarantee.
Summary of the invention
The technological deficiency that purpose of the present invention exists at prior art just is intended to for the user provides the cabinet face service of non-cash bank, for the user provides cash register integrated and electronics cashier management platform.
For achieving the above object, technical scheme of the present invention is as follows: the formation of electronic transaction counter service system includes:
One traction equipment: be used to realize that bank card swipes the card, imports bank card password, encryption, group bag, prints the function of receipt, it is made up of card reader, code keypad, display screen, receipt printer, power supply, described card reader is used for swiping the card on the groove of swiping the card of traction equipment for the consumer, code keypad is as the input equipment of input password or card number, in the receipt printer printer paper is housed, be used for printing the transaction receipt, display screen is used to show the transaction results information of traction equipment;
One PC browser: be used for mutual between realization system and trade company;
One ActiveX control: it is embedded on the PC browser, is used to realize the transaction communication of managing web and traction equipment, and the order transactions information of managing web is sent to traction equipment, and sends the transaction results information of traction equipment to managing web;
One managing web: adopt the B/S framework, be used for the man-machine interaction of realization system and trade company, and the interactive interface of initiating consumption, payment, gathering transaction as trade company;
One bank card business dealing front-end system: adopt the SCOKET communication modes, data message adopts the 8583 messages packing of standard, key adopts the encryption equipment hardware encipher and generates key with encryption, be used to receive the transaction request of sending on the traction equipment, carry out being transmitted to the bank card business dealing background processing system after the interior business logical process of system, the bank card business dealing background processing system receives transaction results carries out after internal logic is handled transaction results being returned to the bank card business dealing front-end system, by the bank card business dealing front-end system result is returned traction equipment again;
One account transfer way system: as a transaction system, be used to realize is connected with the transaction of various transaction channel system, transaction is withheld and paid out to managing web by the account transfer way system to the initiation of third party transaction canalization;
Wherein, trade company uses the PC browser by the internet access managing web, and managing web belongs to same LAN (Local Area Network) with the account transfer way system, and the account transfer way system is connected by the DDN special line with the third party transaction canalization; The PC browser is connected with serial ports or USB mouth physical cord with traction equipment, the ActiveX control embedded by browser drives, traction equipment and bank card business dealing front-end system communicate by telephone wire, special line, wireless network etc., ActiveX control and bank card business dealing front-end system carry out communication by the internet, and bank card business dealing front-end system and bank card business dealing background processing system are carried out communication by the DDN special line.
Technical scheme of the present invention also comprises provides the trade company of above-mentioned electronic transaction counter service system payment transaction implementation method, and step is implemented to comprise:
A, trade company are by PC browser access managing web, insert the USB KEY that managing web distributes, trade company's login account number, login password login user backstage that the input website is distributed, input changes account number, Payment Amount information on the payment interface that managing web provides, and generates payment certificate;
The browser ActiveX control of b, trade company's end receives the call instruction of managing web, call the traction equipment prompting trade company input password of swiping the card, trade company uses the bank card of appointment when contracting to swipe the card on traction equipment and the input card password, this card and trade company's binding are specified as trade company and are produced card, and traction equipment sends back ActiveX control to card using information;
C, ActiveX control receive after the card using information of traction equipment, the transaction interface that provides according to the bank card business dealing front-end system, the Transaction Information bag after encrypting by giving the bank card business dealing front-end system on the internet;
D, bank card business dealing front-end system are received the encryption transaction bag that send on the ActiveX control, call encryption equipment and carry out replacement of keys, the key that calling Unionpay the provides bag re-encryption of concluding the business, deliver on the form according to Unionpay's interface and easily arrive the bank card business dealing background processing system, the bank card business dealing front-end system is noted the Transaction Information of transaction details and daily record simultaneously;
E, bank card business dealing background processing system are verified and transaction processing the transaction bag, and transaction results encrypted set bag are returned to the bank card business dealing front-end system;
F, bank card business dealing front-end system receive the transaction results bag that the bank card business dealing background processing system is returned, the encryption encrypt data bag that Unionpay returns is passed to encryption equipment, encryption equipment converts the Secret Key Cipher of bank card business dealing front-end system and terminal definitions to, and returns to trade company's end ActiveX control;
After g, ActiveX control received transaction results, the key that uses the bank card business dealing front-end system to distribute was decrypted enciphered message, extracted transaction results information, and transaction results is presented on the PC browser page;
H, ActiveX control are delivered easy result by the internet simultaneously on managing web;
I, managing web according to before signatory with trade company, whether swipe the card card number and the trade company of checking trade company number correct, after checking is passed through, to account transfer way system initiation transaction request; Authentication failed is then returned failure information to trade company, and transaction stops, and to guarantee the security of merchant transaction, prevents that the unauthorized person of trade company's end from initiating the illegal transaction of paying out;
J, account transfer way system initiate to withhold transaction request according to the interface of withholding that the third party transaction canalization provides to the third party transaction canalization, on clearing account in the middle of the amount of money that need pay the bill trade company is received from the merchant account previous generation earlier;
K, third party transaction canalization are returned to the account transfer way system and are withheld the result;
L, withhold success, the account transfer way system initiates to pay out transaction to the third party transaction canalization again, and the amount of money that trade company need pay the bill is paid out changing on the account of trade company's appointment from the centre clearing account;
M, third party transaction canalization are returned to the account transfer way system and are paid out the result;
N, account transfer way system return transaction results to managing web;
O, managing web return payment transaction result, closing the transaction with the form of the page to trade company.
Technical scheme of the present invention also comprises trade company's gathering transaction implementation method that above-mentioned electronic transaction counter service system is provided, and step is implemented to comprise:
A, trade company are by PC browser access managing web, insert the USB KEY that managing web distributes, trade company's login account number, login password login user backstage that the input website is distributed, information such as input gathering account number, collection amount generate warrant on the gathering interface that managing web provides;
The browser ActiveX control of b, trade company's end receives the call instruction of managing web, call the traction equipment prompting trade company input password of swiping the card, trade company uses the bank card of appointment when contracting to swipe the card on traction equipment and the input card password, this card and trade company's binding are specified as trade company and are produced card, and traction equipment sends back ActiveX control to card using information;
C, ActiveX control receive after the card using information of traction equipment, the transaction interface that provides according to the bank card business dealing front-end system, the Transaction Information bag after encrypting by giving the bank card business dealing front-end system on the internet;
D, bank card business dealing front-end system are received the encryption transaction bag that send on the ActiveX control, call encryption equipment and carry out replacement of keys, the key that calling Unionpay the provides bag re-encryption of concluding the business, deliver on the form according to Unionpay's interface easily to the bank card business dealing background processing system, the bank card business dealing front-end system is noted relevant Transaction Informations such as transaction details and daily record simultaneously;
E, bank card business dealing background processing system are verified and transaction processing the transaction bag, and transaction results encrypted set bag are returned to the bank card business dealing front-end system;
F, bank card business dealing front-end system receive the transaction results bag that the bank card business dealing background processing system is returned, the encryption encrypt data bag that Unionpay returns is passed to encryption equipment, encryption equipment converts the Secret Key Cipher of bank card business dealing front-end system and terminal definitions to, and returns to trade company's end ActiveX control;
After g, ActiveX control received transaction results, the key that uses the bank card business dealing front-end system to distribute was decrypted enciphered message, extracted transaction results information, and transaction results is presented on the PC browser page;
H, ActiveX control are delivered easy result by the internet simultaneously on managing web;
I, managing web according to before signatory with trade company, whether swipe the card card number and the trade company of checking trade company number correct, after checking is passed through, to account transfer way system initiation transaction request; Authentication failed is then returned failure information to trade company, and transaction stops, and to guarantee the security of merchant transaction, prevents that the unauthorized person of trade company's end from initiating the illegal transaction of withholding;
J, account transfer way system initiate to withhold transaction according to the interface of withholding that the third party transaction canalization provides to the third party transaction canalization, and the amount of money that need collect money trade company is withheld to the clearing account of centre from the account that produces of appointment earlier;
K, third party transaction canalization are returned to the account transfer way system and are withheld the result;
L, withhold success, the account transfer way system initiates to pay out transaction to the third party transaction canalization again, and the amount of money that trade company need collect money is paid out changing on the account of trade company from the centre clearing account;
M, third party transaction canalization are returned to the account transfer way system and are paid out the result;
N, account transfer way system return transaction results to managing web;
O, managing web return gathering transaction results, closing the transaction with the form of the page to trade company.
Technical scheme of the present invention also comprises provides the trade company of above-mentioned electronic transaction counter service system consumer sale implementation method, and step is implemented to comprise:
A, trade company are by PC browser access managing web, insert the USB KEY that managing web distributes, trade company's login account number, login password login user backstage that the input website is distributed, the input consumption amount of money, merchandise news generate consumer certificate on the consumption interface that managing web provides;
The browser ActiveX control of b, trade company end receives the call instruction of managing web, calls the traction equipment prompting consumer input password of swiping the card;
C, consumer swipe the card on traction equipment, the input card password, the transaction interface that traction equipment provides according to the bank card business dealing front-end system, the Transaction Information bag after encrypting by giving the bank card business dealing front-end system on telephone line network, private line network, the wireless network etc.;
D, bank card business dealing front-end system are received the encryption transaction bag that send on the traction equipment, call encryption equipment and carry out replacement of keys, the key that calling Unionpay the provides bag re-encryption of concluding the business, deliver on the form according to Unionpay's interface and easily arrive the bank card business dealing background processing system, the bank card business dealing front-end system is noted the Transaction Information of transaction details and daily record simultaneously;
E, bank card business dealing background processing system are verified and transaction processing the transaction bag, and transaction results encrypted set bag are returned to the bank card business dealing front-end system;
F, bank card business dealing front-end system receive the transaction results bag that the bank card business dealing background processing system is returned, the encryption encrypt data bag that Unionpay returns is passed to encryption equipment, encryption equipment converts the Secret Key Cipher of bank card business dealing front-end system and terminal definitions to, and return to traction equipment, after traction equipment receives transaction results, the key that uses the bank card business dealing front-end system to distribute is decrypted enciphered message, extract transaction results information, and transaction results is presented on the traction equipment display screen, print the transaction receipt simultaneously;
G, traction equipment return transaction results to trade company's ActiveX control simultaneously;
H, ActiveX control are delivered easy result by the internet simultaneously on managing web;
I, managing web registration Transaction Information, and make inner logical process, return consumer sale result, closing the transaction with the form of the page to trade company simultaneously.
The present invention relates to four relatively independent subsystems: bank card business dealing front-end system, transaction terminal, managing web, account transfer way system, more than four subsystems be the applicant and research and develop voluntarily, the bank card business dealing front-end system uses 8583 messages and the des encryption technology of standard, transaction terminal comprises special tailor-made traction equipment, client browser ActiveX control, and the account transfer way system uses the transaction communication of SCOKET communication and realization of des encryption technology and third party transaction canalization.Four systems is integrated into one by customer end A ctiveX control and managing web, finally with close friend's web interface and traction equipment as customer-oriented interactive interface.
The present invention compared with prior art, have following obvious improvement and outstanding characteristics: the present invention swipes the card by the POS off the net that will have use now, and the terminal machine is consumed query function, bank counter off the net/ATM account transfer organically combines one with withholding function and online transaction management, becomes a comprehensive online financial transaction sales counter---electronic transaction sales counter.By using present popular B/S Internet technology, financial services such as traditional POS machine bankcard consumption, bank counter account transfer, gathering, payment function are fused into one, and by Internet resources this comprehensive electronic transaction sales counter extend to the internet can and each place, the whole nation, the transaction sales counter of bank is offered every client, solved the problem that conventional P OS consumption can only be collected money and can not be paid the bill, also solved simultaneously and used trade company can not inquire about the problem of transaction situation in real time.
Description of drawings
The invention will be further described below in conjunction with drawings and Examples.
Fig. 1 is system topology figure of the present invention;
Fig. 2 is a payment gathering transaction processing process flow diagram of the present invention;
Fig. 3 is a consumer sale processing flow chart of the present invention.
Among the figure: 1, traction equipment, 2, user computer, 3, managing web, 4, the bank card business dealing front-end system, 5, account transfer way system, 6, bank card business dealing background processing system, 7, the PC browser, 8, customer end A ctiveX control, 9, third party transaction canalization, 10, encryption equipment, 11, fire wall, 12, trade company.
Embodiment
With reference to shown in Figure 1, system of the present invention is made up of traction equipment 1, user computer 2, managing web 3, transaction front-end system 4, account transfer way system 5, encryption equipment 10, fire wall 11, and user computer 2 wherein is made up of the customer end A ctiveX control 8 of PC browser 7, the applicant's research and development.
The building block of traction equipment 1 comprises card reader, code keypad, display screen, receipt printer, power supply.Be used to realize that bank card swipes the card, imports bank card password, encryption, group bag, prints the function of receipt.Card reader is used for swiping the card on the groove of swiping the card of traction equipment for the consumer, code keypad is as the input equipment of input password or card number, in the receipt printer printer paper is housed, mainly act as and print the transaction receipt, display screen is used to show the transaction results information of traction equipment 1.PC browser 7 as 12 of system and trade companies alternately.ActiveX control 8 is embedded on the PC browser 7, is used to realize the transaction communication of managing web 3 and traction equipment 1, the order transactions information of managing web is sent to traction equipment 1, and send the transaction results information of traction equipment to managing web.Managing web 3 adopts present popular B/S framework, is used for the man-machine interaction of realization system and trade company 12, and the interactive interface of initiating consumption, payment, gathering transaction as trade company.Bank card business dealing front-end system 4 is the standard design according to Unionpay, communication modes adopts the SCOKET communication, data message adopts the 8583 messages packing of standard, key adopts the encryption equipment hardware encipher and generates key with encryption, be used to receive the transaction request of sending on the traction equipment 1, carry out being transmitted to bank card business dealing background processing system 6 after the interior business logical process of system, bank card business dealing background processing system 6 receives transaction results and carries out internal logic and handle the back transaction results is returned to traction equipment 1.Bank card business dealing front-end system 4 mainly has been the transaction processing effect on the whole.Account transfer way system 5 is as transaction system, be used to realize that the transaction with third party transaction canalization 9 is connected, managing web 3 initiates to withhold and pay out transaction by account transfer way system 5 to third party transaction canalization 9, and the effect and the bank card business dealing front-end system of account transfer way system 5 are similar.Bank card business dealing background processing system 6 is used for the transaction bag is verified and transaction processing, and transaction results encrypted set bag is returned to bank card business dealing front-end system 4.
The function that system of the present invention realized comprises payment, gathering, consumption:
Payment: payment is meant that trade company produces the account of money from itself on the designated account.Payment function provides two kinds of implementations: the one, trade company before opening payment transaction with system operator signing payment agreement, trade company imports on the page and changes the amount of money over to, changes account number over to, selects to change over to bank when doing payment transaction, system withholds from the signatory account of trade company automatically, and the corresponding amount of money is changed over to changing on the account of trade company's appointment; The 2nd, trade company imports on the page and changes the amount of money over to, changes account number over to, selects to change over to after the bank, uses to produce bank card and swipe the card in system and withhold, and system directly withholds from the card that trade company swipes the card, and the corresponding amount of money is changed over to changing on the account of trade company's appointment.
Gathering: gathering is meant that trade company is transferred to the account of money from appointment the account of itself.Before opening the gathering business, the side of producing, the side of changing over to (cooperation trade company) must elder generations and system's operator signing gathering agreement.When doing the gathering transaction, trade company is by USB KEY login backstage, import collection amount, gathering object (side of producing) in the system, on traction equipment, swiping the card, system is by the identity of the bank card checking trade company of USB KEY of trade company and trade company, and at the background authentication contractual agreement, then go up by checking and money to be withheld the centre clear account, be transferred on the account of trade company by the centre clearing account again from the account of appointment.
Consumption: consumption herein is mostly to be when being used for trade company's merchandising, brush bank card payment when the buyer pays the bill, and trade company generates consumer certificate in system, comprise with information such as odd numbers, merchandise news, the amount of money; The system call traction equipment, buyer's input card password of swiping the card on traction equipment is paid, and system withholds from holder's bank card by connecting bank card business dealing systems such as Unionpay's payment system, and regularly fund is cleared to trade company.
With reference to shown in Figure 2, above-mentioned trade company's payment transaction implementation step is:
In course of payment, trade company is as the fund side of producing, and trade company needed elder generation and system's operator to sign payment agreement before opening payment business, specified the account of payment, this account and trade company's binding.
(1). trade company is by PC browser access managing web, insert the USB KEY that managing web distributes, trade company's login account number, login password login user backstage that the input website is distributed, input changes account number over to, pays out amount information on the payment interface that managing web provides, and generates payment certificate.
(2). the browser ActiveX control of trade company's end receives the call instruction of managing web, call the traction equipment prompting trade company input password of swiping the card, the bank card of appointment was swiped the card on traction equipment and the input card password when trade company used and the third party contracts, this card and trade company's binding are specified as trade company and are produced card, and traction equipment sends back ActiveX control to card using information.
(3) the .ActiveX control receives after the card using information of traction equipment, the transaction interface that provides according to the bank card business dealing front-end system, the Transaction Information bag after encrypting by giving the bank card business dealing front-end system on the internet.
(4). the bank card business dealing front-end system is received the encryption transaction bag that send on the ActiveX control, call encryption equipment 10 and carry out replacement of keys, the key that calling Unionpay the provides bag re-encryption of concluding the business, deliver on the form according to Unionpay's interface and easily arrive bank card business dealing background processing system 6, the bank card business dealing front-end system is noted the Transaction Information of transaction details and daily record simultaneously.
(5). the bank card business dealing background processing system is verified and transaction processing the transaction bag, and transaction results encrypted set bag is returned to the bank card business dealing front-end system.
(6). the bank card business dealing front-end system receives the transaction results bag that the bank card business dealing background processing system is returned, the encryption encrypt data bag that Unionpay returns is passed to encryption equipment 10, encryption equipment converts the Secret Key Cipher of bank card business dealing front-end system and terminal definitions to, and returns to trade company's end ActiveX control.
(7) after the .ActiveX control received transaction results, the key that uses the bank card business dealing front-end system to distribute was decrypted enciphered message, extracted transaction results information, and transaction results is presented on the PC browser page.
(8) the .ActiveX control is delivered easy result by the internet simultaneously on managing web.
(9). managing web according to before signatory with trade company, whether swipe the card card number and the trade company of checking trade company number correct, after checking is passed through, to account transfer way system initiation transaction request; Authentication failed is then returned failure information to trade company, and transaction stops.This step can guarantee the security of merchant transaction, prevents that the unauthorized person of trade company's end from initiating the illegal transaction of paying out.
(10). the account transfer way system initiates to withhold transaction request according to the interface of withholding that the third party transaction canalization provides to the third party transaction canalization, on clearing account in the middle of the amount of money that need pay the bill trade company is received from the merchant account previous generation earlier.
(11). the third party transaction canalization is returned to the account transfer way system and is withheld the result.
(12). withhold success, the account transfer way system initiates to pay out transaction to the third party transaction canalization again, and the money of the amount of money that need pay the bill trade company is paid out changing on the account of trade company's appointment from the centre clearing account.
(13). the third party transaction canalization is returned to the account transfer way system and is paid out the result.
(14). the account transfer way system returns transaction results to managing web.
(15). managing web returns payment transaction result, closing the transaction with the form of the page to trade company.
With reference to shown in Figure 2, trade company's gathering transaction implementation step is:
In the gathering process, trade company is as the fund side of changing over to, and this is and the significant difference of paying the bill.Trade company needed to sign the gathering agreement with middle clearing account side earlier before opening the gathering business, specified the side of changing over to the account of gathering, the side of producing account, and this changes, produces account and trade company's binding over to.
(1). trade company is by PC browser access managing web, insert the USB KEY that managing web distributes, information such as the amount of money are imported and are changed account number over to, withhold on trade company's login account number, login password login user backstage that the input website is distributed on the gathering interface that managing web provides, generate warrant.The browser ActiveX control of trade company's end receives the call instruction of managing web, call the traction equipment prompting trade company input password of swiping the card, trade company uses the bank card of appointment when contracting to swipe the card on traction equipment and the input card password, this card and trade company's binding are specified as trade company and are produced card, and traction equipment sends back ActiveX control to card using information.
(2) the .ActiveX control receives after the card using information of traction equipment, the transaction interface that provides according to the bank card business dealing front-end system, the Transaction Information bag after encrypting by giving the bank card business dealing front-end system on the internet.
(3). the bank card business dealing front-end system is received the encryption transaction bag that send on the ActiveX control, call encryption equipment and carry out replacement of keys, the key that calling Unionpay the provides bag re-encryption of concluding the business, deliver on the form according to Unionpay's interface easily to the bank card business dealing background processing system, the bank card business dealing front-end system is noted relevant Transaction Informations such as transaction details and daily record simultaneously.
(4). the bank card business dealing background processing system is verified and transaction processing the transaction bag, and transaction results encrypted set bag is returned to the bank card business dealing front-end system.
(5). the bank card business dealing front-end system receives the transaction results bag that the bank card business dealing background processing system is returned, the encryption encrypt data bag that Unionpay returns is passed to encryption equipment, encryption equipment converts the Secret Key Cipher of bank card business dealing front-end system and terminal definitions to, and returns to trade company's end ActiveX control.
(6) after the .ActiveX control received transaction results, the key that uses the bank card business dealing front-end system to distribute was decrypted enciphered message, extracted transaction results information, and transaction results is presented on the PC browser page.
(7) the .ActiveX control is delivered easy result by the internet simultaneously on managing web.
(8). managing web according to before signatory with trade company, whether swipe the card card number and the trade company of checking trade company number correct, after checking is passed through, to account transfer way system initiation transaction request; Authentication failed is then returned failure information to trade company, and transaction stops.This step can guarantee the security of merchant transaction, prevents that the unauthorized person of trade company's end from initiating the illegal transaction of withholding.
(9). the account transfer way system initiates to withhold transaction according to the interface of withholding that the third party transaction canalization provides to the third party transaction canalization, and the amount of money that need collect money trade company is withheld to the clearing account of centre from the account that produces of appointment earlier.
(10). the third party transaction canalization is returned to the account transfer way system and is withheld the result.
(11). withhold success, the account transfer way system initiates to pay out transaction to the third party transaction canalization again, and the amount of money that trade company need collect money is paid out changing on the account of trade company from the centre clearing account.
(12). the third party transaction canalization is returned to the account transfer way system and is paid out the result.
(13). the account transfer way system returns transaction results to managing web.
(14). managing web returns gathering transaction results, closing the transaction with the form of the page to trade company.
With reference to shown in Figure 3, trade company's consumer sale implementation step is:
(1). trade company is by PC browser access managing web, insert the USB KEY that managing web distributes, collection amount, merchandise news are imported in trade company's login account number, login password login user backstage that the input website is distributed on the consumption interface that managing web provides, generate consumer certificate.The browser ActiveX control of trade company end receives the call instruction of managing web, calls the traction equipment prompting consumer input password of swiping the card.
(2). the consumer swipes the card on traction equipment, the input card password, traction equipment is according to the transaction interface that provides of transaction front-end system, the Transaction Information bag after the encryption by giving the bank card business dealing front-end system on telephone line network, private line network, the wireless network etc.
(3). the bank card business dealing front-end system is received the encryption transaction bag that send on the traction equipment, call encryption equipment and carry out replacement of keys, the key that calling Unionpay the provides bag re-encryption of concluding the business, deliver on the form according to Unionpay's interface and easily arrive the bank card business dealing background processing system, the bank card business dealing front-end system is noted the Transaction Information of transaction details and daily record simultaneously.
(4). the bank card business dealing background processing system is verified and transaction processing the transaction bag, and transaction results encrypted set bag is returned to the transaction front-end system.
(5). the bank card business dealing front-end system receives the transaction results bag that the bank card business dealing background processing system is returned, the encryption encrypt data bag that Unionpay returns is passed to encryption equipment, encryption equipment converts the Secret Key Cipher of bank card business dealing front-end system and terminal definitions to, and return to traction equipment, after traction equipment receives transaction results, the key that uses the bank card business dealing front-end system to distribute is decrypted enciphered message, extract transaction results information, and transaction results is presented on the traction equipment display screen, print the transaction receipt simultaneously.
(6). traction equipment returns transaction results to trade company's ActiveX control simultaneously.
(7) the .ActiveX control is delivered easy result by the internet simultaneously on managing web.
(8). managing web registration Transaction Information, and make inner logical process, return consumer sale result, closing the transaction with the form of the page to trade company simultaneously.
Above content is in conjunction with further describing that concrete main embodiment is done, and can not assert that concrete enforcement of the present invention is confined to these explanations.Those skilled in the art without departing from the inventive concept of the premise, some other technology of done accurately, the deduction or replace that beautify, all should belong to protection scope of the present invention.
Claims (4)
1. an electronic transaction counter service system is used to the user that the cabinet face service of non-cash bank is provided, and for the user provides cash register integrated and electronics cashier management platform, it is characterized in that it comprises:
Traction equipment: be used to realize that bank card swipes the card, imports bank card password, encryption, group bag, prints the function of receipt, it is made up of card reader, code keypad, display screen, receipt printer, power supply, described card reader is used for swiping the card on the groove of swiping the card of traction equipment for the consumer, code keypad is as the input equipment of input password or card number, in the receipt printer printer paper is housed, be used for printing the transaction receipt, display screen is used to show the transaction results information of traction equipment;
PC browser: be used for mutual between realization system and trade company;
ActiveX control: it is embedded on the PC browser, is used to realize the transaction communication of managing web and traction equipment, and the order transactions information of managing web is sent to traction equipment, and sends the transaction results information of traction equipment to managing web;
Managing web: adopt the B/S framework, be used for the man-machine interaction of realization system and trade company, and the interactive interface of initiating consumption, payment, gathering transaction as trade company;
Bank card business dealing front-end system: adopt the SCOKET communication modes, data message adopts the 8583 messages packing of standard, key adopts the encryption equipment hardware encipher and generates key with encryption, be used to receive the transaction request of sending on the traction equipment, carry out being transmitted to the bank card business dealing background processing system after the interior business logical process of system, the bank card business dealing background processing system receives transaction results carries out after internal logic is handled transaction results being returned to the bank card business dealing front-end system, by the bank card business dealing front-end system result is returned traction equipment again;
The account transfer way system: as a transaction system, be used to realize is connected with the transaction of various transaction channel system, transaction is withheld and paid out to managing web by the account transfer way system to the initiation of third party transaction canalization;
Wherein, trade company uses the PC browser by the internet access managing web, and managing web belongs to same LAN (Local Area Network) with the account transfer way system, and the account transfer way system is connected by the DDN special line with the third party transaction canalization; The PC browser is connected with serial ports or USB mouth physical cord with traction equipment, the ActiveX control embedded by browser drives, traction equipment and bank card business dealing front-end system communicate by telephone wire, special line, wireless network, ActiveX control and bank card business dealing front-end system carry out communication by the internet, and bank card business dealing front-end system and bank card business dealing background processing system are carried out communication by the DDN special line.
2. trade company's payment transaction implementation method of the described electronic transaction counter service system of claim 1 is characterized in that, may further comprise the steps:
A, trade company are by PC browser access managing web, insert the USB KEY that managing web distributes, trade company's login account number, login password login user backstage that the input website is distributed, input changes account number, Payment Amount information on the payment interface that managing web provides, and generates payment certificate;
The browser ActiveX control of b, trade company's end receives the call instruction of managing web, call the traction equipment prompting trade company input password of swiping the card, trade company uses the bank card of appointment when contracting to swipe the card on traction equipment and the input card password, this card and trade company's binding are specified as trade company and are produced card, and traction equipment sends back ActiveX control to card using information;
C, ActiveX control receive after the card using information of traction equipment, the transaction interface that provides according to the bank card business dealing front-end system, the Transaction Information bag after encrypting by giving the bank card business dealing front-end system on the internet;
D, bank card business dealing front-end system are received the encryption transaction bag that send on the ActiveX control, call encryption equipment and carry out replacement of keys, the key that calling Unionpay the provides bag re-encryption of concluding the business, deliver on the form according to Unionpay's interface and easily arrive the bank card business dealing background processing system, the bank card business dealing front-end system is noted the Transaction Information of transaction details and daily record simultaneously;
E, bank card business dealing background processing system are verified and transaction processing the transaction bag, and transaction results encrypted set bag are returned to the bank card business dealing front-end system;
F, bank card business dealing front-end system receive the transaction results bag that the bank card business dealing background processing system is returned, the encryption encrypt data bag that Unionpay returns is passed to encryption equipment, encryption equipment converts the Secret Key Cipher of bank card business dealing front-end system and terminal definitions to, and returns to trade company's end ActiveX control;
After g, ActiveX control received transaction results, the key that uses the bank card business dealing front-end system to distribute was decrypted enciphered message, extracted transaction results information, and transaction results is presented on the PC browser page;
H, ActiveX control are delivered easy result by the internet simultaneously on managing web;
I, managing web according to before signatory with trade company, whether swipe the card card number and the trade company of checking trade company number correct, after checking is passed through, to account transfer way system initiation transaction request; Authentication failed is then returned failure information to trade company, and transaction stops, and to guarantee the security of merchant transaction, prevents that the unauthorized person of trade company's end from initiating the illegal transaction of paying out;
J, account transfer way system initiate to withhold transaction request according to the interface of withholding that the third party transaction canalization provides to the third party transaction canalization, on clearing account in the middle of the amount of money that need pay the bill trade company is received from the merchant account previous generation earlier;
K, third party transaction canalization are returned to the account transfer way system and are withheld the result;
L, withhold success, the account transfer way system initiates to pay out transaction to the third party transaction canalization again, and the amount of money that trade company need pay the bill is paid out changing on the account of trade company's appointment from the centre clearing account;
M, third party transaction canalization are returned to the account transfer way system and are paid out the result;
N, account transfer way system return transaction results to managing web;
O, managing web return payment transaction result, closing the transaction with the form of the page to trade company.
3. the trade company of the described electronic transaction counter service system of claim 1 gathering transaction implementation method is characterized in that, may further comprise the steps:
A, trade company are by PC browser access managing web, insert the USB KEY that managing web distributes, trade company's login account number, login password login user backstage that the input website is distributed, input gathering account number, collection amount information generate warrant on the gathering interface that managing web provides;
The browser ActiveX control of b, trade company's end receives the call instruction of managing web, call the traction equipment prompting trade company input password of swiping the card, trade company uses the bank card of appointment when contracting to swipe the card on traction equipment and the input card password, this card and trade company's binding are specified as trade company and are produced card, and traction equipment sends back ActiveX control to card using information;
C, ActiveX control receive after the card using information of traction equipment, the transaction interface that provides according to the bank card business dealing front-end system, the Transaction Information bag after encrypting by giving the bank card business dealing front-end system on the internet;
D, bank card business dealing front-end system are received the encryption transaction bag that send on the ActiveX control, call encryption equipment and carry out replacement of keys, the key that calling Unionpay the provides bag re-encryption of concluding the business, deliver on the form according to Unionpay's interface and easily arrive the bank card business dealing background processing system, the bank card business dealing front-end system is noted transaction details and daily record Transaction Information simultaneously;
E, bank card business dealing background processing system are verified and transaction processing the transaction bag, and transaction results encrypted set bag are returned to the bank card business dealing front-end system;
F, bank card business dealing front-end system receive the transaction results bag that the bank card business dealing background processing system is returned, the encryption encrypt data bag that Unionpay returns is passed to encryption equipment, encryption equipment converts the Secret Key Cipher of bank card business dealing front-end system and terminal definitions to, and returns to trade company's end ActiveX control;
After g, ActiveX control received transaction results, the key that uses the bank card business dealing front-end system to distribute was decrypted enciphered message, extracted transaction results information, and transaction results is presented on the PC browser page;
H, ActiveX control are delivered easy result by the internet simultaneously on managing web;
I, managing web according to before signatory with trade company, whether swipe the card card number and the trade company of checking trade company number correct, after checking is passed through, to account transfer way system initiation transaction request; Authentication failed is then returned failure information to trade company, and transaction stops, and to guarantee the security of merchant transaction, prevents that the unauthorized person of trade company's end from initiating the illegal transaction of withholding;
J, account transfer way system initiate to withhold transaction according to the interface of withholding that the third party transaction canalization provides to the third party transaction canalization, and the amount of money that need collect money trade company is withheld to the clearing account of centre from the account that produces of appointment earlier;
K, third party transaction canalization are returned to the account transfer way system and are withheld the result;
L, withhold success, the account transfer way system initiates to pay out transaction to the third party transaction canalization again, and the amount of money that trade company need collect money is paid out changing on the account of trade company from the centre clearing account;
M, third party transaction canalization are returned to the account transfer way system and are paid out the result;
N, account transfer way system return transaction results to managing web;
O, managing web return gathering transaction results, closing the transaction with the form of the page to trade company.
4. trade company's consumer sale implementation method of the described electronic transaction counter service system of claim 1 is characterized in that, may further comprise the steps:
A, trade company are by PC browser access managing web, insert the USB KEY that managing web distributes, trade company's login account number, login password login user backstage that the input website is distributed, the input consumption amount of money, merchandise news generate consumer certificate on the consumption interface that managing web provides;
The browser ActiveX control of b, trade company end receives the call instruction of managing web, calls the traction equipment prompting consumer input password of swiping the card;
C, consumer swipe the card on traction equipment, the input card password, the transaction interface that traction equipment provides according to the bank card business dealing front-end system, the Transaction Information bag after encrypting by giving the bank card business dealing front-end system on telephone line network, private line network, the wireless network;
D, bank card business dealing front-end system are received the encryption transaction bag that send on the traction equipment, call encryption equipment and carry out replacement of keys, the key that calling Unionpay the provides bag re-encryption of concluding the business, deliver on the form according to Unionpay's interface and easily arrive the bank card business dealing background processing system, the bank card business dealing front-end system is noted the Transaction Information of transaction details and daily record simultaneously;
E, bank card business dealing background processing system are verified and transaction processing the transaction bag, and transaction results encrypted set bag are returned to the bank card business dealing front-end system;
F, bank card business dealing front-end system receive the transaction results bag that the bank card business dealing background processing system is returned, the encryption encrypt data bag that Unionpay returns is passed to encryption equipment, encryption equipment converts the Secret Key Cipher of bank card business dealing front-end system and terminal definitions to, and return to traction equipment, after traction equipment receives transaction results, the key that uses the bank card business dealing front-end system to distribute is decrypted enciphered message, extract transaction results information, and transaction results is presented on the traction equipment display screen, print the transaction receipt simultaneously;
G, traction equipment return transaction results to trade company's ActiveX control simultaneously;
H, ActiveX control are delivered easy result by the internet simultaneously on managing web;
I, managing web registration Transaction Information, and make inner logical process, return consumer sale result, closing the transaction with the form of the page to trade company simultaneously.
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| CN200910192784A CN101694710A (en) | 2009-09-28 | 2009-09-28 | Electronic transaction counter service system and realization method |
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| CN200910192784A CN101694710A (en) | 2009-09-28 | 2009-09-28 | Electronic transaction counter service system and realization method |
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| CN108717758B (en) * | 2018-08-10 | 2023-12-12 | 南京合荣欣业信息技术有限公司 | Operation system of business network of non-high-cabinet bank |
| CN109587116A (en) * | 2018-11-06 | 2019-04-05 | 交通银行股份有限公司 | Guard method, client and the browser of browser input information |
| CN111461709A (en) * | 2020-03-03 | 2020-07-28 | 深圳市爱云信息科技有限公司 | Intelligent financial cross-border payment digital currency solution method based on block chain BaaS platform |
| CN111461709B (en) * | 2020-03-03 | 2023-03-31 | 深圳市爱云信息科技有限公司 | Intelligent financial cross-border payment digital currency solution method based on block chain BaaS platform |
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