CN101872513B - Data processing method, device and system based on POS (Point-Of-Sale) machine - Google Patents
Data processing method, device and system based on POS (Point-Of-Sale) machine Download PDFInfo
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- CN101872513B CN101872513B CN2010101853963A CN201010185396A CN101872513B CN 101872513 B CN101872513 B CN 101872513B CN 2010101853963 A CN2010101853963 A CN 2010101853963A CN 201010185396 A CN201010185396 A CN 201010185396A CN 101872513 B CN101872513 B CN 101872513B
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Abstract
The invention provides data processing method, device and system based on a POS (Point-Of-Sale) machine, wherein the method comprises the following steps of: receiving a cardless consumption request which is from the POS machine, input by a user and includes a sign mobile phone number, a preset authentication code, a trader password and a consumption sum; authenticating the received sign mobile phone number and preset authentication code according to the preset reserved cardless consumption information which is preset and includes a sign mobile phone number, a bank card number, a preset authentication code and a reserved consumption sum; when the received sign mobile phone number is identical to the preset sign mobile phone number, the received preset authentication code is identical to the preset authentication code and the consumption sum is less than or equal to a reserved consumption sum, sending the received trader password and consumption sum to a bank background relevant to the bank card number for authentication; receiving a message for indicating that the authentication on the trader password and the consumption sum is successful and a message for indicating that debit operation is finished from the bank background and sending a message for indicating that cardless consumption is successful to the POS machine.
Description
Technical field
The present invention relates to the channel terminal technology in the bank computer network, particularly, relate to a kind of data processing method, Apparatus and system based on the POS machine.
Background technology
At present, the user time can use bank card to swipe the card at the POS machine in consumption and check out, and through POS bankcard consumption mode, has saved the user and has gone out and carry the trouble of buckets of cash, for the user has brought a lot of facilities.But still there is certain weak point in the POS bankcard consumption, if the user wants to use the POS bankcard consumption, must carry bank card, and in some cases, and the user is easy to forget and carries bank card.In addition, the user is on the indivedual POS of trade company machines in the bankcard consumption, and user's bank card might pass into silence, stolen or cloned, and stayed certain financial security hidden danger.
Since 2009, a kind of new consumption and payment mode occurred: the fingerprint payment, it is to utilize fingerprint identification technology to carry out the business of bank card business dealing payment.This modes of payments is bound user fingerprints data message and bank account; When consumption and payment; The user only needs on fingerprint payment terminal, to press pressure and has made the finger of binding and import my identity code and just can accomplish the payment consumption function, thereby realizes need not bank card, can accomplish whole process of consumption as long as point; The user need not bank card and also can consume, and this has brought facility for the user.But; Also there is certain potential safety hazard in the fingerprint payment technology; The whole fingerprint storage of fingerprint payment and the process of checking all are in the third party system, to accomplish; Bank does not have the suitable technique means to verify the reliability of third party's system fingerprint identification, so just has the possibility of forging the customer consumption payment instruction.Realize the fingerprint payment function in addition, need to increase extra hardware devices such as fingerprint payment terminal, this has improved the cost of technological realization.
In sum, present no card spending exist security low, realize the high problem of cost.
Summary of the invention
The fundamental purpose of the embodiment of the invention is to provide a kind of data processing scheme based on the POS machine, to solve low, the high problem of realization cost of security that no card spending of the prior art exists.
To achieve these goals; The embodiment of the invention provides a kind of data processing method based on the POS machine, and this method comprises: receive the no card spending request that comprises signatory phone number, preset authentication code, trading password and the consumption amount of money from user's input of POS machine; Generate random cipher; And the random cipher that generates sent to the mobile phone of said signatory phone number; And receive random cipher, and the random cipher that receives is carried out authentication according to the random cipher of said generation from user's input of POS machine; To said random cipher authentication the time, the signatory phone number and the preset authentication code of said reception carried out authentication according to the reservation no card spending information that comprises signatory phone number, bank's card number, preset authentication code, the reservation consumption amount of money that pre-sets; When the signatory phone number of said reception is consistent with the said signatory phone number that pre-sets, the preset authentication code of said reception and the said preset authentication code that pre-sets is consistent and the described consumption amount of money when being less than or equal to the described reservation consumption amount of money, the trading password of said reception, the described consumption amount of money sent to the said bank related bank backstage of card number carries out authentication; Reception is accomplished message from said bank backstage to the message of described trading password, described consumption amount of money authentication success and the operation of withholing, and sends the no card spending success message to said POS machine.
After said POS machine sent the no card spending success message, said method also comprised: preserve the no card spending information that comprises the consumption amount of money, consumption date and said POS machine information; Described no card spending information is sent to the related bank backstage of card number with said bank, so that described no card spending information is kept in the consumption daily record related with described bank card number.
The embodiment of the invention also provides a kind of data processing equipment based on the POS machine; Said device comprises: no card spending request receiving element is used to receive the no card spending request that comprises signatory phone number, preset authentication code, trading password and the consumption amount of money from user's input of POS machine; The random cipher generation unit is used to generate random cipher; The random cipher transmitting element is used for the random cipher that generates is sent to the mobile phone of said signatory phone number; The random cipher authentication ' unit is used to receive the random cipher from user's input of POS machine, and according to the random cipher of said generation the random cipher that receives is carried out authentication; No card spending request authentication unit; Be used for the time, the signatory phone number and the preset authentication code of said reception carried out authentication according to the reservation no card spending information that comprises signatory phone number, bank's card number, preset authentication code, the reservation consumption amount of money that pre-sets to said random cipher authentication; The bank card information transmitting element; Be used for when the signatory phone number of said reception is consistent with the said signatory phone number that pre-sets, the preset authentication code of said reception and the said preset authentication code that pre-sets is consistent and the described consumption amount of money when being less than or equal to the described reservation consumption amount of money, the trading password of said reception, the described consumption amount of money sent to the said bank related bank backstage of card number carries out authentication; No card spending success message Transmit-Receive Unit is used to receive from said bank backstage the message of described trading password, described consumption amount of money authentication success and the operation of withholing is accomplished message, and sends the no card spending success message to said POS machine.
Preferably, above-mentioned device also comprises:
The no card spending information memory cell is used to preserve the no card spending information that comprises the consumption amount of money, consumption date and said POS machine information; The no card spending information transmitting unit is used for described no card spending information is sent to the related bank backstage of card number with said bank, so that described no card spending information is kept in the consumption daily record related with described bank card number.
The embodiment of the invention also provides a kind of data handling system based on the POS machine, and this system comprises: POS machine, above-mentioned data processing equipment and bank backstage based on the POS machine, wherein:
Described POS machine comprises:
No card spending request receiving element is used to receive the no card spending request and the random cipher that comprise signatory phone number, preset authentication code, trading password and the consumption amount of money that the user imports; The no card spending request transmitting unit is used for no card spending request and said random cipher that said no card spending request receiving element receives are sent to described data processing equipment based on the POS machine; No card spending success message receiving element is used to receive the no card spending success message that sends based on the data processing equipment of POS machine from described;
Described bank backstage comprises:
The bank card information receiving element is used to receive trading password, bank's card number and the described consumption amount of money that sends based on the data processing equipment of POS machine from said; The bank card information authentication ' unit; Be used for trading password and bank's card number that said bank card information receiving element receives are carried out authentication; At described trading password and bank card number be when being associated, the described consumption amount of money is during smaller or equal to the remaining sum of said bank card number interlock account, the expression authentication success; The operating unit of withholing is used for the amount of money data identical with the said consumption amount of money of said bank card number interlock account are carried out deduction operation; No card spending success message transmitting element is used for the message of the said trading password and the authentication success of the consumption amount of money and the operation completion message of withholing are sent to said data processing equipment based on the POS machine.
Preferably, above-mentioned POS machine also comprises: the consumption information print unit is used to print the consumption information that comprises signatory phone number, the consumption amount of money, so that the user confirms.
By means of technique scheme one of at least; Through reservation no card spending information and bank backstage authentication is carried out in the no card spending request of input POS machine, when authentication success, carried out the service of withholing, overcome the defective of fingerprint payment of the prior art; Than prior art; The method security that the embodiment of the invention provides is higher, and owing to need not to increase additional hardware equipment, so the realization expense is lower.
Description of drawings
In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art; The accompanying drawing of required use is done to introduce simply in will describing embodiment below; Obviously, the accompanying drawing in describing below only is some embodiments of the present invention, for those of ordinary skills; Under the prerequisite of not paying creative work property, can also obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the process flow diagram based on the data processing method of POS machine according to the embodiment of the invention;
Fig. 2 is the detail flowchart based on the data processing method of POS machine according to the embodiment of the invention;
Fig. 3 is the structured flowchart based on the data handling system of POS machine according to the embodiment of the invention;
Fig. 4 is the detailed block diagram based on the data handling system of POS machine according to the embodiment of the invention;
Fig. 5 is the detailed block diagram according to the POS machine of the embodiment of the invention;
Fig. 6 is the detailed block diagram according to the data processing equipment of the embodiment of the invention;
Fig. 7 is another detailed block diagram according to the data processing equipment of the embodiment of the invention.
Embodiment
To combine the accompanying drawing in the embodiment of the invention below, the technical scheme in the embodiment of the invention is carried out clear, intactly description, obviously, described embodiment only is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills are not making the every other embodiment that is obtained under the creative work prerequisite, all belong to the scope of the present invention's protection.
Because existing no card spending technical security property is lower and the realization expense is higher, based on this, the embodiment of the invention provides a kind of data processing scheme based on the POS machine, and this scheme can address the above problem.In the present embodiment, be example with the Mobile banking, realize the embodiment of the invention through the service that combines Mobile banking to provide.Below briefly introduce Mobile banking.
Mobile banking utilizes mobile phone to handle the abbreviation of bank's related service, and it is after Web bank as a kind of brand-new banking service platform, a kind of bank electronic services channels of relying on mobile communication technology to develop rapidly.Say in principle; So long as user mobile phone is connected to bank through mobile communications network; The phone number (can be called signatory phone number) that is about to user mobile phone is associated with bank, utilizes mobile phone interface directly to accomplish the professional service system of various bank finances and all can be referred to as Mobile banking.The characteristic of mobile communication " whenever and wherever possible, next to the shin, quick and easy " has been given prominence to by this Mobile banking, has really realized not receiving the space-time limit, and whenever and wherever possible, round-the-clock bank finance was professional in 24 hours.
Below in conjunction with accompanying drawing the present invention is elaborated.
Embodiment one
The embodiment of the invention provides a kind of data processing method based on the POS machine, and Fig. 1 is the process flow diagram of this data processing method, and is as shown in Figure 1, and this method comprises:
Step 101 receives the no card spending request that comprises signatory phone number, preset authentication code, trading password and the consumption amount of money from user's input of POS machine;
Step 102 is carried out authentication according to comprise signatory phone number and the preset authentication code that signatory phone number, bank's card number, preset authentication code, the reservation no card spending information butt joint of the reservation consumption amount of money are received that pre-set;
Step 103; When the signatory phone number that receives is consistent with signatory phone number that pre-sets and preset authentication code respectively with preset authentication code and the consumption amount of money when being less than or equal to the reservation consumption amount of money, with the trading password that receives, consume the amount of money and send to the bank related bank backstage of card number and carry out authentication;
Step 104 receives from the bank backstage message is accomplished in trading password, the message of consumption amount of money authentication success and the operation of withholing, and sends input no card spending success message to POS;
Can find out by above description; Through reservation no card spending information and bank backstage authentication is carried out in the no card spending request of input POS machine, when authentication success, carried out the service of withholing, overcome the defective of fingerprint payment of the prior art; Than prior art; The method security that the embodiment of the invention provides is higher, and owing to need not to increase additional hardware equipment, so the realization expense is lower.
After execution of step 104, said method also comprises: preserve the no card spending information that comprises the consumption amount of money, consumption date and POS machine information; And no card spending information sent to the related bank backstage of card number with bank, so that no card spending information is kept in the consumption daily record related with the bank card number.
Above-mentioned POS machine can comprise a man-machine interface; The user can select the no card spending operation through the keyboard or the touch-screen of this man-machine interface, and afterwards, the scheduling of POS machine is operated corresponding interface with this no card spending; Prompting user input comprises information such as signatory phone number, subscription verification sign indicating number, trading password and the consumption amount of money; Wherein, the subscription verification sign indicating number is provided with for user and Mobile banking in advance, the trading password of bank's card number that trading password is selected in Mobile banking for the user.Need to prove that the POS machine can not need the card inserting mouth of POS machine in the prior art in the present embodiment.The POS machine can be wired POS in the present embodiment, can be wireless POS also, the invention is not restricted to this.
The setting up procedure of above-mentioned reservation no card spending information comprises: in Mobile banking, be provided with in advance and preengage the function of withdrawing the money; The user is provided with in Mobile banking and the related no card spending payment function of bank's card number, that is, the user registers in Mobile banking, and selects to open the no card spending payment function of Mobile banking; Select a certain bank card number (perhaps credit card etc.) then; And the amount of money, trading password (with the related trading password of selecting of bank's card number) are consumed in the input reservation; The subscription verification sign indicating number is set simultaneously; Mobile banking preserves the reservation no card spending information of signatory phone number, bank's card number, preset authentication code, the reservation consumption amount of money in this locality, for follow-up authentication, accomplish no card spending payment reservation transaction this moment.Wherein, the subscription verification sign indicating number is provided with by the user voluntarily.
In the practical implementation process; If the trading password that the subscription verification sign indicating number in the no card spending request that receives is different with the subscription verification sign indicating number in the reservation no card spending information that pre-sets or preserve on trading password and bank backstage is different, or consume the amount of money greater than preengaging when consuming the amount of money; Then send authentication failure message to POS, refusal is carried out the no card spending operation.
Through the double authentication of above-mentioned subscription verification sign indicating number and trading password, can guarantee the reliability of no card spending operation, for user's interests provide safeguard.
Fig. 2 is the detail flowchart based on the data processing method of POS machine according to the embodiment of the invention, and as shown in Figure 2, this method comprises:
Step 201, the user is provided with Mobile banking's password through bank's cabinet face or the self-service registering of Net silver Mobile banking, accomplishes the signatory transaction of Mobile banking;
Step 203, install successfully after, the user opens Mobile banking's user side, the input handset bank cipher lands cell phone bank system;
Step 204, in cell phone bank system, the user carries out the POS machine and preengages consumer sale, selects bank card, debit card or a credit card under the user name, and the input reservation is consumed the amount of money, is also set the reservation authentication code, accomplishes POS and preengages consumer sale;
Step 205, the user need not brush bank card when carrying out the no card spending payment, only need import the trading password and the consumption amount of money of signatory phone number, reservation authentication code, reservation bank card according to the transaction picture of POS machine prompting;
Step 208; Core banking system is carried out authentication to the information from Mobile banking that receives; Comprise the relevant checking of ratio equity between remaining sum in trading password checking, dealing money and the card, behind the authentication success, core banking system is reduced completion relevant account such as Igor Kanygin volume and is operated.Withhold after the success, core system will return to cell phone bank system payment transaction successful information;
In the practical implementation process; After the no card spending request that receives the transmission of POS machine, can also generate a random cipher, and the random cipher that generates is sent to the mobile phone of signatory phone number; The user imports random cipher immediately on the POS machine; According to the random cipher that generates the random cipher that the user imports is carried out authentication then, when authentication success, carry out subsequent step.Like this, can further guarantee the security of no card spending operation, for user's interests provide safeguard.
In the present embodiment, the Mobile banking's user side that need on user mobile phone, download and install can adapt to all types of mobile phone models, for example the mobile phone of technology platforms such as kjava, windows mobile, iphone, brew.
Embodiment two
The embodiment of the invention provides a kind of data handling system based on the POS machine; As shown in Figure 3; This system comprises: POS machine 1, based on the data processing equipment 2 (being designated hereinafter simply as data processing equipment) and the bank backstage 3 of POS machine; Wherein, data processing equipment 2 is preferably used for realizing the method in the foregoing description one.Describe this system in detail below in conjunction with Fig. 4.
As shown in Figure 4, POS machine 1 comprises:
No card spending request receiving element 11 is used to receive the no card spending request that comprises signatory phone number, preset authentication code, trading password and the consumption amount of money of user's input;
No card spending request transmitting unit 12 is used for the no card spending request that no card spending request receiving element receives is sent to data processing equipment;
No card spending success message receiving element 13 is used to receive the no card spending success message that sends from data processing equipment;
No card spending request receiving element 20 is used to receive the no card spending request that comprises signatory phone number, preset authentication code, trading password and the consumption amount of money from user's input of POS machine;
No card spending request authentication unit 21 is used for carrying out authentication according to comprise signatory phone number and the preset authentication code that signatory phone number, bank's card number, preset authentication code, the reservation no card spending information butt joint of the reservation consumption amount of money are received that pre-set;
Bank card information transmitting element 22; Be used for when the signatory phone number that receives is consistent with the signatory phone number that pre-sets, the preset authentication code of reception is when the consistent and consumption amount of money is less than or equal to the reservation consumption amount of money with the preset authentication code that pre-sets, with the trading password of reception, consume the amount of money and send to the bank related bank backstage of card number and carry out authentication;
No card spending success message Transmit-Receive Unit 23 is used to receive from the bank backstage message is accomplished in trading password, the message of consumption amount of money authentication success and the operation of withholing, and sends the no card spending success message to the POS machine;
Bank backstage 3 comprises:
Bank card information receiving element 31 is used to receive the trading password, the bank's card number and the consumption amount of money that send from the data processing equipment based on the POS machine;
Bank card information authentication ' unit 32; Be used for trading password and bank's card number that the bank card information receiving element receives are carried out authentication; At trading password and bank card number be when being associated, the consumption amount of money is during smaller or equal to the remaining sum of bank's card number interlock account, the expression authentication success;
The operating unit 33 of withholing is used for bank's card number interlock account carried out deduction operation with the identical amount of money data of the consumption amount of money;
No card spending success message transmitting element 34 is used for sending to data processing equipment with message is accomplished in trading password, the message of consumption amount of money authentication success and the operation of withholing.
Can find out by above description; Carry out authentication through 3 pairs of no card spending requests from the POS machine of data processing equipment 2 and bank backstage, the service of withholing is carried out on bank backstage 3 when authentication success, has overcome the defective of fingerprint payment of the prior art; Than prior art; Embodiment of the invention security is higher, and owing to need not to increase additional hardware equipment, so the realization expense is lower.
Preferably, as shown in Figure 5, POS machine 1 also comprises: consumption information print unit 14 is used to print the consumption information that comprises signatory phone number, the consumption amount of money, so that the user confirms.
As shown in Figure 6, data processing equipment 2 can also comprise:
Random cipher generation unit 24 is used to generate random cipher;
Random cipher transmitting element 25 is used for the random cipher that generates is sent to the mobile phone of signatory phone number;
Random cipher authentication ' unit 26 is used to receive the random cipher from user's input of POS machine, and according to the random cipher that generates the random cipher that receives is carried out authentication.
Through above-mentioned random cipher, can further guarantee the security of no card spending operation, for user's interests provide safeguard.
As shown in Figure 7, data processing equipment 2 can also comprise:
No card spending information memory cell 27 is used to preserve the no card spending information that comprises the consumption amount of money, consumption date and POS machine information, like this can be so that follow-up consulting;
No card spending information transmitting unit 28 is used for described no card spending information is sent to the related bank backstage of card number with bank, so that no card spending information is kept in the consumption daily record related with the bank card number.
Through above-mentioned system, the user can be convenient and safe carries out no card spending, and for whole banking system, owing to need not increase additional hardware equipment, so the realization expense is lower.
As stated, the user is provided with Mobile banking's password through bank's cabinet face or the self-service registering of Net silver Mobile banking; Accomplish the signatory transaction of Mobile banking; Then through mobile phone after the no card spending business is set in the Mobile banking, when the user consumes in trade company, only need on the POS machine, import the no card spending solicited message and get final product; Through the authentication of data processing equipment and bank backstage, accomplish POS reservation consumer sale to solicited message.Preferably, this data processing equipment can be positioned at Mobile banking's side, also can be positioned at other third party systems, the invention is not restricted to this.
Need to prove; The present invention not only can realize no card spending through such system of Mobile banking; Can also other like reservation no card spending function with above-mentioned Mobile banking, realize realizing the present invention in the system of no card spending authentification of message, for example, the Net silver system.
In sum; The embodiment of the invention is through carrying out authentication to the no card spending request of user's input; When authentication success, realize no card spending, make the user need not carry bank card and also can accomplish the consumption of POS machine, for the user provides convenient safe bank finance service.
One of ordinary skill in the art will appreciate that all or part of step that realizes in the foregoing description method can instruct relevant hardware to accomplish through program; This program can be stored in the computer read/write memory medium, such as ROM/RAM, magnetic disc, CD etc.
Above-described specific embodiment; The object of the invention, technical scheme and beneficial effect have been carried out further explain, and institute it should be understood that the above is merely specific embodiment of the present invention; And be not used in qualification protection scope of the present invention; All within spirit of the present invention and principle, any modification of being made, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (6)
1. the data processing method based on the POS machine is characterized in that, described method comprises:
Reception is from the no card spending request that comprises signatory phone number, preset authentication code, trading password and the consumption amount of money of user's input of POS machine;
Generate random cipher;
And the random cipher that generates sent to the mobile phone of said signatory phone number;
Reception is from the random cipher of the user of POS machine input, and according to the random cipher of said generation the random cipher that receives carried out authentication;
To said random cipher authentication the time, the signatory phone number and the preset authentication code of said reception carried out authentication according to the reservation no card spending information that comprises signatory phone number, bank's card number, preset authentication code, the reservation consumption amount of money that pre-sets;
When the signatory phone number of said reception is consistent with the said signatory phone number that pre-sets, the preset authentication code of said reception and the said preset authentication code that pre-sets is consistent and the described consumption amount of money when being less than or equal to the described reservation consumption amount of money, the trading password of said reception, the described consumption amount of money sent to the said bank related bank backstage of card number carries out authentication;
Reception is accomplished message from said bank backstage to the message of described trading password, described consumption amount of money authentication success and the operation of withholing, and sends the no card spending success message to said POS machine.
2. method according to claim 1 is characterized in that, after said POS machine sent the no card spending success message, described method also comprised:
Preservation comprises the no card spending information of the consumption amount of money, consumption date and said POS machine information;
Described no card spending information is sent to the related bank backstage of card number with said bank, so that described no card spending information is kept in the consumption daily record related with described bank card number.
3. the data processing equipment based on the POS machine is characterized in that, described device comprises:
No card spending request receiving element is used to receive the no card spending request that comprises signatory phone number, preset authentication code, trading password and the consumption amount of money from user's input of POS machine;
The random cipher generation unit is used to generate random cipher;
The random cipher transmitting element is used for the random cipher that generates is sent to the mobile phone of said signatory phone number;
The random cipher authentication ' unit is used to receive the random cipher from user's input of POS machine, and according to the random cipher of said generation the random cipher that receives is carried out authentication;
No card spending request authentication unit; Be used for the time, the signatory phone number and the preset authentication code of said reception carried out authentication according to the reservation no card spending information that comprises signatory phone number, bank's card number, preset authentication code, the reservation consumption amount of money that pre-sets to said random cipher authentication;
The bank card information transmitting element; Be used for when the signatory phone number of said reception is consistent with the said signatory phone number that pre-sets, the preset authentication code of said reception and the said preset authentication code that pre-sets is consistent and the described consumption amount of money when being less than or equal to the described reservation consumption amount of money, the trading password of said reception, the described consumption amount of money sent to the said bank related bank backstage of card number carries out authentication;
No card spending success message Transmit-Receive Unit is used to receive from said bank backstage the message of described trading password, described consumption amount of money authentication success and the operation of withholing is accomplished message, and sends the no card spending success message to said POS machine.
4. device according to claim 3 is characterized in that, described device also comprises:
The no card spending information memory cell is used to preserve the no card spending information that comprises the consumption amount of money, consumption date and said POS machine information;
The no card spending information transmitting unit is used for described no card spending information is sent to the related bank backstage of card number with said bank, so that described no card spending information is kept in the consumption daily record related with described bank card number.
5. the data handling system based on the POS machine is characterized in that, described system comprises: POS machine, like claim 3 or 4 described data processing equipment and bank backstages based on the POS machine, wherein:
Described POS machine comprises:
No card spending request receiving element is used to receive the no card spending request and the random cipher that comprise signatory phone number, preset authentication code, trading password and the consumption amount of money that the user imports;
The no card spending request transmitting unit is used for no card spending request and said random cipher that said no card spending request receiving element receives are sent to described data processing equipment based on the POS machine;
No card spending success message receiving element is used to receive the no card spending success message that sends based on the data processing equipment of POS machine from described;
Described bank backstage comprises:
The bank card information receiving element is used to receive trading password, bank's card number and the described consumption amount of money that sends based on the data processing equipment of POS machine from said;
The bank card information authentication ' unit; Be used for trading password and bank's card number that said bank card information receiving element receives are carried out authentication; At described trading password and bank card number be when being associated, the described consumption amount of money is during smaller or equal to the remaining sum of said bank card number interlock account, the expression authentication success;
The operating unit of withholing is used for the amount of money data identical with the said consumption amount of money of said bank card number interlock account are carried out deduction operation;
No card spending success message transmitting element is used for the message of the said trading password and the authentication success of the consumption amount of money and the operation completion message of withholing are sent to said data processing equipment based on the POS machine.
6. system according to claim 5 is characterized in that, described POS machine also comprises:
The consumption information print unit is used to print the consumption information that comprises signatory phone number, the consumption amount of money, so that the user confirms.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010101853963A CN101872513B (en) | 2010-05-26 | 2010-05-26 | Data processing method, device and system based on POS (Point-Of-Sale) machine |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2010101853963A CN101872513B (en) | 2010-05-26 | 2010-05-26 | Data processing method, device and system based on POS (Point-Of-Sale) machine |
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| CN101872513A CN101872513A (en) | 2010-10-27 |
| CN101872513B true CN101872513B (en) | 2012-09-05 |
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| CN102799981A (en) * | 2011-05-24 | 2012-11-28 | 中国银联股份有限公司 | Safe closed loop payment system and method |
| CN104182870B (en) * | 2013-05-24 | 2017-12-15 | 中国银联股份有限公司 | A kind of safe payment method and payment system based on mobile phone wallet |
| CN105095701A (en) * | 2014-05-06 | 2015-11-25 | 黄熙镜 | User authentication method and device and terminal equipment |
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