CN101872454A - Sales terminal transaction processing method, equipment and mobile terminal transaction processing method - Google Patents
Sales terminal transaction processing method, equipment and mobile terminal transaction processing method Download PDFInfo
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- CN101872454A CN101872454A CN201010208600A CN201010208600A CN101872454A CN 101872454 A CN101872454 A CN 101872454A CN 201010208600 A CN201010208600 A CN 201010208600A CN 201010208600 A CN201010208600 A CN 201010208600A CN 101872454 A CN101872454 A CN 101872454A
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Abstract
The invention discloses a sales terminal transaction processing method, equipment and a mobile terminal transaction processing method. The sales terminal transaction processing method comprises the following steps that: when a mobile terminal and a sales terminal are within in the coverage range of a card reader antenna, the sales terminal and mobile phone bank transaction management equipment in the mobile terminal establish wireless communication connection, and the sales terminal reads the preset customer account information in the mobile phone bank transaction management equipment through a card reader; and the sales terminal transmits the customer account information, transaction amount information, transaction password and the identity identification information of the sales terminal to a bank service platform through the internet or a mobile communication network for verification and transaction processing. Since the sales terminal can reads the preset customer account information from the mobile phone bank transaction management equipment in the mobile terminal, the use is convenient when transaction through card swiping is conducted under the condition that a bank card is not used.
Description
Technical field
The present invention relates to the point-of-sale transactions technical field, relate in particular to a kind of point-of-sale transactions disposal route, equipment and portable terminal transaction processing method.
Background technology
The POS machine in existing market is a kind of point-of-sale terminal, card reader by the POS machine reads the holder's magnetic strip information on the bank card, personnel import dealing money by the POS machine operation, the holder inputs password, POS by sending the system of issuing bank in the Unionpay in the heart, finishes on-line transaction to these information then.The application of POS machine has realized the online consumption of bank cards such as credit card, debit card, transaction security, quick and accurate.
When using the POS machine to swipe the card transaction, POS machine operation personnel must insert bank card the card reader of POS machine, and the POS machine just can read holder's related account information, if do not use bank card, and the transaction of then can't swiping the card.
Summary of the invention
The invention provides a kind of point-of-sale transactions disposal route, equipment and portable terminal transaction processing method, do not use bank card then can't use the swipe the card defective of transaction of point-of-sale terminal in order to solve prior art, realize utilizing portable terminal to use the point-of-sale terminal transaction of swiping the card.
The invention provides a kind of point-of-sale transactions disposal route, comprising:
When the distance of portable terminal and described point-of-sale terminal coverage in card reader antenna, described point-of-sale terminal is set up radio communication by card reader antenna with the mobile banking transaction management equipment in the described portable terminal and is connected, and described point-of-sale terminal reads the customer account information that sets in advance in the described mobile banking transaction management equipment by card reader;
Described point-of-sale terminal is sent to the banking platform with the identification information of described customer account information, dealing money information, trading password and described point-of-sale terminal by internet or mobile communications network and verifies and transaction processing.
The present invention also provides a kind of radio communication identification equipment of point-of-sale terminal, comprising: client identification module, client identification module interface, card reader and card reader antenna;
Described card reader antenna when being used for coverage in described card reader antenna of distance at portable terminal and described point-of-sale terminal, being set up radio communication with the mobile banking transaction management equipment of described portable terminal and is connected;
Described card reader is used for reading the customer account information that sets in advance in the described mobile banking transaction management equipment after described point-of-sale terminal is set up radio communication by described card reader antenna and described mobile banking transaction management equipment and is connected;
Described client identification module interface is connected with described card reader with described client identification module respectively, and described card reader is connected with described card reader antenna;
Described client identification module, the identification information that is used to preserve described point-of-sale terminal, customer identity right checking when communicating and customer information are encrypted.
The present invention also provides a kind of point-of-sale terminal, comprising: the radio communication identification equipment of above-mentioned point-of-sale terminal and transaction processing module;
Described transaction processing module, be connected with the client identification module interface of the radio communication identification equipment of described point-of-sale terminal, be used for dealing money information, the trading password of the customer account information that the radio communication identification equipment with described point-of-sale terminal obtains from the mobile banking transaction management equipment, outside input and the identification information of the described point-of-sale terminal that sets in advance is sent to the banking platform by internet or mobile communications network and verifies and transaction processing.
The present invention also provides a kind of portable terminal transaction processing method, comprising:
Portable terminal will obtain the digital certificate information of corresponding account by the safe digital card from the banking certificate module;
Described portable terminal obtains this dealing money information, trading password and banking certificate module password;
In described banking certificate module after password authentification is passed through to described banking certificate module, described portable terminal is by mobile communications network, and the digital certificate information of described account, described this dealing money information and described trading password are sent to Web bank's platform and carry out transaction processing.
Point-of-sale transactions disposal route provided by the invention, equipment and portable terminal transaction processing method, after mobile banking transaction management equipment in point-of-sale terminal and the portable terminal is set up wireless connections, can from the mobile banking transaction management equipment, read the customer account information that sets in advance, thereby make point-of-sale terminal under the situation of not using bank card, adopt the portable terminal transaction of swiping the card, easy to use.
Description of drawings
In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art, to do one to the accompanying drawing of required use in embodiment or the description of the Prior Art below introduces simply, apparently, accompanying drawing in describing below is some embodiments of the present invention, for those of ordinary skills, under the prerequisite of not paying creative work, can also obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the schematic flow sheet of point-of-sale transactions disposal route embodiment of the present invention;
Fig. 2 is the structural representation of the radio communication identification equipment embodiment of point-of-sale terminal of the present invention;
Fig. 3 is the structural representation of point-of-sale terminal first embodiment of the present invention;
Fig. 4 is the structural representation of point-of-sale terminal second embodiment of the present invention;
Fig. 5 is the schematic flow sheet of portable terminal transaction processing method embodiment of the present invention.
Embodiment
For making the purpose, technical solutions and advantages of the present invention clearer, below in conjunction with the accompanying drawing in the embodiment of the invention, the technical scheme in the embodiment of the invention is clearly and completely described, obviously, described embodiment is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills belong to the scope of protection of the invention not making the every other embodiment that is obtained under the creative work prerequisite.
Fig. 1 is the schematic flow sheet of point-of-sale transactions disposal route embodiment of the present invention, and as shown in Figure 1, this point-of-sale transactions disposal route may further comprise the steps:
Wherein, point-of-sale terminal is for example: the card reader of the radio communication identification equipment of POS machine (RF Reader-SIM) for example reads portable terminal: the method for the customer account information of preserving in the mobile banking transaction management equipment (RF-SD KEY or RF-ST KEY) in the mobile phone can comprise:
Described point-of-sale terminal sends accounts information by card reader antenna to described portable terminal and reads request;
Allow to read response if described point-of-sale terminal receives that described portable terminal returns, then indicate described card reader from described mobile banking transaction management equipment, to read described customer account information.
Further, each point-of-sale terminal generally has a unique identify label, so that the banking platform is handled the business of each point-of-sale terminal respectively, therefore, this point-of-sale transactions disposal route can also comprise:
By the client identification module interface for example: 7816 interfaces are from client identification module (the Subscriber Identity Module of the radio communication identification equipment of described point-of-sale terminal; Be called for short: the identification information of obtaining the point-of-sale terminal that sets in advance SIM).
Wherein, the banking platform can comprise system of Unionpay and each system of issuing bank, i.e. the pairing banking system of customer account information is handed down to the system of issuing bank by the system of Unionpay with each information of this transaction.Then, after the identification information of customer account information, dealing money information, trading password and described point-of-sale terminal that the system of issuing bank sends point-of-sale terminal is verified, this transaction is for example handled: from this customer account, deduct dealing money.If the operation of above-mentioned checking and deduction success then can be returned the Transaction Success response to point-of-sale terminal, otherwise returns the Fail Transaction response.
Point-of-sale terminal then can receive Transaction Success response or the Fail Transaction response that described banking platform returns; By described card reader antenna described portable terminal is returned in described Transaction Success response or Fail Transaction response.
After mobile banking transaction management equipment in the point-of-sale terminal of present embodiment and the portable terminal is set up wireless connections, can from the mobile banking transaction management equipment, read the customer account information that sets in advance, thereby make point-of-sale terminal under the situation of not using bank card, adopt the portable terminal transaction of swiping the card, easy to use.In life at ordinary times, everyone may open a plurality of accounts in how tame bank, carries a large amount of bank cards, has brought many inconvenience to the consumer.And among the present invention, the user only need carry mobile phone just can realize wholesale account transfer, market consume, take transit bus, by the subway, function such as gate inhibition's key card.
Fig. 2 is the structural representation of the radio communication identification equipment embodiment of point-of-sale terminal of the present invention, and as shown in Figure 2, this point-of-sale terminal comprises: client identification module 1, client identification module interface 2, card reader 3 and card reader antenna 4;
Wherein, card reader antenna 4 when being used for coverage in card reader antenna 4 of distance at portable terminal and described point-of-sale terminal, being set up radio communication with the mobile banking transaction management equipment of described portable terminal and is connected; Wherein, the coverage of card reader antenna can certainly be other numerical value in 15 centimeters, and the difference of the card reader antenna model of selecting according to concrete application scenarios and different is not done concrete restriction in the embodiment of the invention.
Client identification module interface 2 is connected with card reader 3 with client identification module 1 respectively, and card reader 3 is connected with card reader antenna 4;
Particularly, when the distance of portable terminal and described point-of-sale terminal coverage in card reader antenna 4, mobile banking transaction management equipment in the card reader antenna 4 of the radio communication identification equipment of point-of-sale terminal (RF Reader-SIM) and the described portable terminal is set up radio communication and is connected, card reader 3 for example: the RF card reader can read the customer account information that sets in advance in the mobile banking transaction management equipment.Again by client identification module interface 2 for example: 7816 interfaces obtain the identification information of this point-of-sale terminal from client identification module 1, by point-of-sale terminal identification information of customer account information, dealing money information, trading password and point-of-sale terminal etc. are sent to the banking platform by internet or mobile communications network and verify and transaction processing.
Wherein, the banking platform can comprise system of Unionpay and each system of issuing bank, i.e. the pairing banking system of customer account information is handed down to the system of issuing bank by the system of Unionpay with each information of this transaction.Then, after the identification information of customer account information, dealing money information, trading password and described point-of-sale terminal that the system of issuing bank sends point-of-sale terminal is verified, this transaction is for example handled: from this customer account, deduct dealing money.
After mobile banking transaction management equipment in the card reader antenna of the radio communication identification equipment of present embodiment point-of-sale terminal and the portable terminal is set up wireless connections, card reader can read the customer account information that sets in advance from the mobile banking transaction management equipment, thereby make point-of-sale terminal under the situation of not using bank card, adopt the portable terminal transaction of swiping the card, easy to use.Do not need to change whole point-of-sale terminal, only the SIM card of point-of-sale terminal need be replaced by the novel radio communication identification equipment that comprises radio communication function and just can realize, realize that cost is low.
Fig. 3 is the structural representation of point-of-sale terminal first embodiment of the present invention, as shown in Figure 3, the radio communication identification equipment that comprises the point-of-sale terminal in the foregoing description in this point-of-sale terminal, also comprise: transaction processing module 5, be connected with the client identification module interface 2 of the radio communication identification equipment of described point-of-sale terminal, be used for the customer account information that the radio communication identification equipment with described point-of-sale terminal obtains from the mobile banking transaction management equipment, the dealing money information of outside input, the identification information of trading password and the described point-of-sale terminal that sets in advance is sent to the banking platform by internet or mobile communications network and verifies and transaction processing.
Wherein, the banking platform can comprise system of Unionpay and each system of issuing bank, i.e. the pairing banking system of customer account information is handed down to the system of issuing bank by the system of Unionpay with each information of this transaction.Then, after the identification information of customer account information, dealing money information, trading password and described point-of-sale terminal that the system of issuing bank sends point-of-sale terminal is verified, this transaction is for example handled: from this customer account, deduct dealing money.
After mobile banking transaction management equipment in the card reader antenna of present embodiment point-of-sale terminal and the portable terminal is set up wireless connections, card reader can read the customer account information that sets in advance from the mobile banking transaction management equipment, thereby make point-of-sale terminal under the situation of not using bank card, adopt the portable terminal transaction of swiping the card, easy to use.Do not need to change whole point-of-sale terminal, only the SIM card of point-of-sale terminal need be replaced by the novel radio communication identification equipment that comprises radio communication function and just can realize, realize that cost is low.
Fig. 4 is the structural representation of point-of-sale terminal second embodiment of the present invention, and as shown in Figure 4, on the basis of point-of-sale terminal first embodiment of the present invention, the transaction processing module 5 of this point-of-sale terminal can comprise:
Transmitting element 51, the card reader antenna that is used for the radio communication identification equipment by described point-of-sale terminal sends accounts information to described portable terminal and reads request;
Further, the transaction processing module can also comprise:
Again further, the transaction processing module can also comprise:
Response receiving element 54 is used to receive Transaction Success response or the Fail Transaction response that described banking platform returns;
Unit 55 is returned in response, and the card reader antenna that is used for the radio communication identification equipment by described point-of-sale terminal returns described Transaction Success response or Fail Transaction response to described portable terminal.
Particularly, in the distance of portable terminal and described point-of-sale terminal for example: in the time of in 15 centimeters in the coverage of card reader antenna 4, the card reader antenna 4 of the radio communication identification equipment of point-of-sale terminal is set up radio communication with the mobile banking transaction management equipment in the described portable terminal and is connected, and the card reader 3 of the radio communication identification equipment of point-of-sale terminal can read the customer account information that sets in advance in the mobile banking transaction management equipment.In order to guarantee account safety, the transmitting element 51 of point-of-sale terminal can send accounts information to portable terminal by card reader antenna 4 and read request; If portable terminal allows to read customer account information, then point-of-sale terminal can receive that portable terminal returns allows to read response, and at this moment, reading unit 52 indication card reader 3 can read customer account information from the mobile banking transaction management equipment.In addition, acquiring unit 53 can also be by client identification module interface 2 for example: 7816 interfaces obtain the identification information of this point-of-sale terminal from client identification module 1, and transaction processing module 5 is sent to the banking platform with identification information of customer account information, dealing money information, trading password and point-of-sale terminal etc. by internet or mobile communications network and verifies and transaction processing.Wherein, the banking platform can comprise system of Unionpay and each system of issuing bank, i.e. the pairing banking system of customer account information is handed down to the system of issuing bank by the system of Unionpay with each information of this transaction.Then, after the identification information of customer account information, dealing money information, trading password and described point-of-sale terminal that the system of issuing bank sends point-of-sale terminal is verified, this transaction is for example handled: from this customer account, deduct dealing money.If the operation of above-mentioned checking and deduction success then can be returned the Transaction Success response to point-of-sale terminal, otherwise returns the Fail Transaction response.The response receiving element 54 of point-of-sale terminal can receive Transaction Success response or the Fail Transaction response that described banking platform returns; Unit 55 is returned in response can return described Transaction Success response or Fail Transaction response to described portable terminal by card reader antenna 4.
After mobile banking transaction management equipment in the card reader antenna of the radio communication identification equipment of present embodiment point-of-sale terminal and the portable terminal is set up wireless connections, the card reader of the radio communication identification equipment of point-of-sale terminal can read the customer account information that sets in advance from the mobile banking transaction management equipment, thereby make point-of-sale terminal under the situation of not using bank card, adopt the portable terminal transaction of swiping the card, easy to use.Do not need to change whole point-of-sale terminal, only the SIM card of point-of-sale terminal need be replaced by the novel radio communication identification equipment that comprises radio communication function and just can realize, realize that cost is low.
Fig. 5 is the schematic flow sheet of portable terminal transaction processing method embodiment of the present invention, and as shown in Figure 5, this portable terminal transaction processing method may further comprise the steps:
Step 401, portable terminal will obtain the digital certificate information of corresponding account by the safe digital card from the banking certificate module;
When the user used portable terminal to carry out internet bank trade, the built-in mobile banking transaction management equipment of portable terminal can be sent to portable terminal with digital certificate information and customer account information by the safe digital card.Portable terminal can be by mobile communications network with digital certificate information and customer account information, and the cost information of this transaction and trading password etc., be sent to Web bank's platform, by Web bank's platform the digital certificate information of this transaction, customer account information, trading password etc. are carried out after safety certification etc. handles, the various transaction of finishing Web bank are for example: transfer accounts, payment etc., wherein the safety certification of digital certificate information can be passed through Public Key Infrastructure (Public Key Infrastructure is called for short: PKI) authentication techniques realize.In addition, can also adopt the operation of the modification payment cipher of mobile banking transaction management equipment control Web bank platform and customer information etc.
In addition, the method that banking certificate module password is verified specifically can may further comprise the steps:
From described portable terminal, obtain this employed banking certificate module password of concluding the business by described safe digital card;
According to cryptographic algorithm that sets in advance and authorization information described banking certificate module password is carried out verification, verify whether described banking certificate module password is correct, if then allow continuous business, otherwise stop transaction.
The present embodiment portable terminal can obtain the digital certificate information of corresponding account by the safe digital card from the banking certificate module, thereby makes portable terminal carry out safe internet bank trade by mobile communications network whenever and wherever possible.
One of ordinary skill in the art will appreciate that: all or part of step that realizes said method embodiment can be finished by the relevant hardware of programmed instruction, aforesaid program can be stored in the computer read/write memory medium, this program is carried out the step that comprises said method embodiment when carrying out; And aforesaid storage medium comprises: various media that can be program code stored such as ROM, RAM, magnetic disc or CD.
It should be noted that at last: above embodiment only in order to technical scheme of the present invention to be described, is not intended to limit; Although with reference to previous embodiment the present invention is had been described in detail, those of ordinary skill in the art is to be understood that: it still can be made amendment to the technical scheme that aforementioned each embodiment put down in writing, and perhaps part technical characterictic wherein is equal to replacement; And these modifications or replacement do not make the essence of appropriate technical solution break away from the spirit and scope of various embodiments of the present invention technical scheme.
Claims (11)
1. a point-of-sale transactions disposal route is characterized in that, comprising:
When the distance of portable terminal and described point-of-sale terminal coverage in card reader antenna, described point-of-sale terminal is set up radio communication by card reader antenna with the mobile banking transaction management equipment in the described portable terminal and is connected, and described point-of-sale terminal reads the customer account information that sets in advance in the described mobile banking transaction management equipment by card reader;
Described point-of-sale terminal is sent to the banking platform with the identification information of described customer account information, dealing money information, trading password and described point-of-sale terminal by internet or mobile communications network and verifies and transaction processing.
2. point-of-sale transactions disposal route according to claim 1 is characterized in that, described point-of-sale terminal reads the customer account information that sets in advance in the described mobile banking transaction management equipment by card reader, comprising:
Described point-of-sale terminal sends accounts information by card reader antenna to described portable terminal and reads request;
Allow to read response if described point-of-sale terminal receives that described portable terminal returns, then indicate described card reader from described mobile banking transaction management equipment, to read described customer account information.
3. point-of-sale transactions disposal route according to claim 1 and 2 is characterized in that, also comprises:
From the client identification module of the radio communication identification equipment of described point-of-sale terminal, obtain the identification information of the point-of-sale terminal that sets in advance by the client identification module interface.
4. point-of-sale transactions disposal route according to claim 1 and 2 is characterized in that, also comprises:
Receive Transaction Success response or Fail Transaction response that described banking platform returns;
By described card reader antenna described portable terminal is returned in described Transaction Success response or Fail Transaction response.
5. the radio communication identification equipment of a point-of-sale terminal is characterized in that, comprising: client identification module, client identification module interface, card reader and card reader antenna;
Described card reader antenna when being used for coverage in described card reader antenna of distance at portable terminal and described point-of-sale terminal, being set up radio communication with the mobile banking transaction management equipment of described portable terminal and is connected;
Described card reader is used for reading the customer account information that sets in advance in the described mobile banking transaction management equipment after described point-of-sale terminal is set up radio communication by described card reader antenna and described mobile banking transaction management equipment and is connected;
Described client identification module interface is connected with described card reader with described client identification module respectively, and described card reader is connected with described card reader antenna;
Described client identification module, the identification information that is used to preserve described point-of-sale terminal, customer identity right checking when communicating and customer information are encrypted.
6. a point-of-sale terminal is characterized in that, comprising: the radio communication identification equipment of the described point-of-sale terminal of claim 5 and transaction processing module;
Described transaction processing module, be connected with the client identification module interface of the radio communication identification equipment of described point-of-sale terminal, be used for dealing money information, the trading password of the customer account information that the radio communication identification equipment with described point-of-sale terminal obtains from the mobile banking transaction management equipment, outside input and the identification information of the described point-of-sale terminal that sets in advance is sent to the banking platform by internet or mobile communications network and verifies and transaction processing.
7. point-of-sale terminal according to claim 6 is characterized in that, described transaction processing module comprises:
Transmitting element, the card reader antenna that is used for the radio communication identification equipment by described point-of-sale terminal sends accounts information to described portable terminal and reads request;
Reading unit, be used for if receive that described portable terminal returns allow to read response, then indicate the card reader of the radio communication identification equipment of described point-of-sale terminal from described mobile banking transaction management equipment, to read described customer account information.
8. according to claim 6 or 7 described point-of-sale terminals, it is characterized in that described transaction processing module also comprises:
Acquiring unit is used for obtaining from the client identification module of the radio communication identification equipment of described point-of-sale terminal by described client identification module interface the identification information of the described point-of-sale terminal that sets in advance.
9. according to claim 6 or 7 described point-of-sale terminals, it is characterized in that described transaction processing module also comprises:
The response receiving element is used to receive Transaction Success response or the Fail Transaction response that described banking platform returns;
The unit is returned in response, and the card reader antenna that is used for the radio communication identification equipment by described point-of-sale terminal returns described Transaction Success response or Fail Transaction response to described portable terminal.
10. a portable terminal transaction processing method is characterized in that, comprising:
Portable terminal will obtain the digital certificate information of corresponding account by the safe digital card from the banking certificate module;
Described portable terminal obtains this dealing money information, trading password and banking certificate module password;
In described banking certificate module after password authentification is passed through to described banking certificate module, described portable terminal is by mobile communications network, and the digital certificate information of described account, described this dealing money information and described trading password are sent to Web bank's platform and carry out transaction processing.
11. portable terminal transaction processing method according to claim 10 is characterized in that, also comprises:
From described portable terminal, obtain this employed banking certificate module password of concluding the business by described safe digital card;
According to cryptographic algorithm that sets in advance and authorization information described banking certificate module password is carried out verification, verify whether described banking certificate module password is correct, if then allow continuous business, otherwise stop transaction.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201010208600A CN101872454A (en) | 2010-06-18 | 2010-06-18 | Sales terminal transaction processing method, equipment and mobile terminal transaction processing method |
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| CN201010208600A CN101872454A (en) | 2010-06-18 | 2010-06-18 | Sales terminal transaction processing method, equipment and mobile terminal transaction processing method |
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| CN115131922A (en) * | 2021-03-25 | 2022-09-30 | 深圳怡化电脑股份有限公司 | Acceptance terminal equipment and transaction method and transaction device thereof with bank system |
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| WO2019020100A1 (en) * | 2017-07-28 | 2019-01-31 | BBPOS Limited | Modular electronic funds transfer point of sale device |
| CN115131922A (en) * | 2021-03-25 | 2022-09-30 | 深圳怡化电脑股份有限公司 | Acceptance terminal equipment and transaction method and transaction device thereof with bank system |
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Application publication date: 20101027 |