CN102542688A - Electronic payment device and electronic payment system using same - Google Patents

Electronic payment device and electronic payment system using same Download PDF

Info

Publication number
CN102542688A
CN102542688A CN 201010619835 CN201010619835A CN102542688A CN 102542688 A CN102542688 A CN 102542688A CN 201010619835 CN201010619835 CN 201010619835 CN 201010619835 A CN201010619835 A CN 201010619835A CN 102542688 A CN102542688 A CN 102542688A
Authority
CN
Grant status
Application
Patent type
Prior art keywords
electronic payment
terminal
system
smart card
transaction
Prior art date
Application number
CN 201010619835
Other languages
Chinese (zh)
Inventor
孟宏文
康建明
柴洪峰
鲁志军
Original Assignee
中国银联股份有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date

Links

Abstract

The invention provides an electronic payment device, which comprises a smart card, smart card private external equipment and a communication interface, wherein a transaction program of an acceptance terminal is run on the smart card. The invention further provides an electronic payment system, which comprises the electronic payment device. The transaction program of the acceptance terminal is mainly run on the smart card, so that the terminal is essentially unified in a certain degree, the consistence of a background system is ensured due to the realization of the uniformity of a terminal program, various terminals can be supported by using a uniform solution scheme, and integration of an electronic payment channel is realized.

Description

一种电子支付装置及使用该装置的电子支付系统技术领域[0001] 本发明一般地涉及电子支付,并且更具体地涉及用于实现电子支付渠道整合的电子支付装置以及使用该装置的电子支付系统。 An electronic payment means and a payment system using an electronic device of the Technical Field [0001] The present invention relates generally to an electronic payment, and more particularly relates to an electronic payment means and the channel integration electronic payment system for implementing electronic payment using the device . 背景技术[0002] 如今,银行卡是人们必备的支付工具。 [0002] Today, the bank card payment is an essential tool for people. 但是银行卡作为支付工具不能够单独使用, 它在进行任何金融交易时都必须通过某种电子支付渠道与银行的帐户取得联系,然后经过授权、确认等步骤才能完成交易。 But the bank cards can not be used alone as a payment instrument, it must be some kind of contact through electronic payment channels and bank account when making any financial transactions, and authorized, confirmation steps to complete the transaction. 为了促进银行卡业务的拓展和大规模的市场应用,银行机构积极地发展各种受理渠道,不断推出更多易于使用的终端、更快的通讯以及更灵活的交易处理环境,从而为用户提供更好的服务和更方便的消费。 In order to promote the development and application of large-scale market bank card business, banks actively develop various acceptance channels, has introduced a terminal more easy to use, faster communication and more flexible transaction processing environments, providing users with more good service and more convenient consumption. 当前已有多种受理渠道,诸如ATM自动柜员机、POS机、电话支付、网上支付、手机支付等等,并且新的电子支付渠道还在不断的涌现,推动了电子支付渠道向多样化、开放化发展。 Currently has a variety of acceptance channels, such as ATM ATM, POS, telephone payment, online payment, mobile payment, etc., and new electronic payment channels also continue to emerge, the electronic payment channels to promote diversity, openness of development of. [0003] 目前,现有各种支付渠道的受理终端各不相同,实现方式、后台系统也都各相径庭。 [0003] Currently, the existing terminal receives payment channels vary, implementations, and the phases are back-end systems Chambers diameter. 例如,使用POS机付款时,用户只需通过刷卡并且输入密码即可实现消费;而在网上支付时,用户不仅要输入密码,还需通过银行软件、U盾等设备的辅助,并按照规定的操作一步步实施才能完成交易;若使用手机支付,则用户还需根据提供手机支付的运营商采取相对应的使用方式才能实现支付交易。 For example, when using a POS payment machine, the user simply by credit card and a password can be realized consumption; and in the online payment, users not only to enter a password, the software needed by banks, auxiliary equipment such as U shield, and in accordance with the provisions of step by step implementation of the operation to complete the transaction; if using a pay phone, the user needs to use to take corresponding operators to provide mobile payment based on the payment transaction can be achieved. 这不仅加大了用户使用的复杂度,而且还使发行机构重复建设,开发不同的受理终端、不同的实现方式以及不同的后台系统提高了交易成本,也限制了业务的推广。 This not only increases the complexity of the user, but also the issuers redundant construction, the development of different receiving terminal, different implementations and different back-office systems increases the transaction costs, limiting the promotion of business. [0004] 因此,对于面对各种不同的电子支付渠道时呈现统一性的电子支付装置有很强的需求。 Electronic payment means [0004] Thus, for the face of a variety of electronic payment channels showing unity strong demand. 发明内容[0005] 本发明的目的是使用户能够在不同支付渠道的终端上都采用一样的操作方式来完成支付。 SUMMARY OF THE INVENTION [0005] The object of the present invention is to enable a user to adopt the same mode of operation on a different terminal to complete the payment payment channel. [0006] 为实现上述目的,本发明提供了一种电子支付装置,其特征在于,所述电子支付装置包括智能卡、智能卡私有外部设备、以及通讯接口;其中在所述智能卡上运行受理终端的交易程序。 [0006] To achieve the above object, the present invention provides an electronic payment device, wherein said electronic payment device comprising a smart card, the smart card private external device, and a communication interface; wherein on the smart card operation accepting transaction terminal program. [0007] 优选地,所述受理终端的交易程序是符合POS规范的终端程序。 [0007] Preferably, the terminal receives a transaction procedures comply POS terminal program specification. [0008] 优选地,所述智能卡私有外部设备包括键盘、触摸屏、指纹扫描仪、IC卡读卡器中的一种或多种。 [0008] Preferably, the smart card private external device include a keyboard, a touch screen, a fingerprint scanner, IC cards of one or more readers. [0009] 优选地,所述通讯接口包括IS07816接口、USB接口中的一种或多种。 [0009] Preferably, the communication interface comprises IS07816 interface, USB interface, one or more. [0010] 本发明还提供了一种电子支付交易系统作为电子支付渠道整合的解决方案。 [0010] The present invention also provides a solution for electronic payment transaction system as an electronic payment channel integration. 所述电子支付交易系统包括:前述根据本发明的电子支付装置、多种电子支付交易终端、前置系统和金融信息交易处理系统。 The electronic payment transaction system comprising: the electronic payment means of the present invention, a variety of electronic payment transaction terminal, the system pre-processing systems and financial transaction information. 所述前置系统包括用于与所述多种电子支付交易系统通信的通讯接口层。 The front-end system comprising an interface layer for communicating transaction system in communication with said plurality of electronic payment. 优选地,所述多种电子支付交易终端可以包括POS终端、ATM机、手机、PC机、固定电话、电视机顶盒。 Preferably, the plurality of electronic payment transaction terminal may include POS terminals, ATM machines, mobile phones, PC machine, fixed telephone, TV set-top boxes. [0011] 本发明提出将目前的支付终端,包括POS终端、手机、PC机、固定电话等电子支付终端的交易程序迁徙到智能卡上。 [0011] The present invention is proposed transaction will present a program of payment terminals, including POS terminals, mobile phones, PC machine, fixed telephone and other electronic payment terminals migration to the smart card. 所述智能卡可配置私有外部设备,结合POS机、PC机、手机的显示功能、通讯功能来完成支付交易。 The smart card can be configured to private external devices, combined with POS machines, PC, mobile phones display function, communication function to complete the payment transaction. 由于支付程序主要运行在智能卡上,这在很大程度上使得终端在本质上统一,而终端程序的统一实现了后台系统的一致性,因此通过统一的解决方案即可支持多样化的终端,从而实现电子支付渠道的整合。 Mainly due to the payment program run on a smart card, which enables the terminal to a large extent on the nature of unity, unified terminal program to achieve the consistency back office systems, and therefore can support a variety of terminals through a unified solution that to achieve the integration of electronic payment channels. [0012] 下面将结合具体的实施例来描述本发明的方法。 [0012] The following examples with reference to specific embodiments methods of the invention will be described. 附图说明[0013] 本发明的前述和其他目标、特征和优点根据下面对本发明的实施例的更具体的说明将是显而易见的,这些实施例在附图中被示意。 BRIEF DESCRIPTION [0013] The foregoing and other objects, features and advantages of the following more particular description of embodiments of the present invention will be apparent that these embodiments are illustrated in the accompanying drawings. [0014] 图1示出现有的POS机和ATM机支付渠道架构。 [0014] Figure 1 illustrates some of POS machines and ATM machines pay channel architecture. [0015] 图2示出利用本发明的电子支付装置的POS机和ATM机支付渠道架构。 [0015] FIG. 2 shows the use of electronic payment device according to the present invention, the POS payment channel structure and ATM machines. [0016] 图3示出现有的网上支付渠道架构和支付流程。 [0016] FIG. 3 Some online payment channels and payment processes illustrating architecture. [0017] 图4示出利用本发明的电子支付装置的网上支付渠道架构。 [0017] FIG. 4 shows a channel structure online payment using an electronic payment device according to the present invention. [0018] 图5示出利用本发明的电子支付装置的整合的电子支付系统。 [0018] Figure 5 illustrates the integration of the electronic payment system using an electronic payment device according to the present invention. 具体实施方式[0019] 以下结合附图和具体实施方式进一步详细说明本发明。 DETAILED DESCRIPTION [0019] The following specific embodiments of the present invention and described in further detail in conjunction with the accompanying drawings. 需要说明的是,附图中的各结构只是示意性说明,用以使本领域普通技术人员最佳地理解本发明的原理,其不一定按比例绘制。 Incidentally, the respective structures in the figures are schematic illustration for those of ordinary skill in the art that the best understanding of the principles of the present invention, which are not necessarily drawn to scale. [0020] 图1示出现有的POS机和ATM机支付渠道架构。 [0020] Figure 1 illustrates some of POS machines and ATM machines pay channel architecture. 在图1以及其他附图中,都用11 来表示金融信息交易处理系统,其为负责银行卡跨行交易信息的转接、清算等功能的系统, 所有的跨行交易都需要通过这个交易处理系统才能够完成。 1 and other figures in the figure, 11 are used to represent the financial transaction information processing system, which is responsible for bank card inter-bank transaction system information transfer, settlement and other functions, all interbank transactions must go through the transaction processing system only It can be completed. 在使用POS机进行金融交易时,POS机12通过有线或是无线的通讯方式连接POS前置系统13,再由POS前置系统接入银联信息交换系统11。 When using the POS financial transactions, the POS POS front-end system 12 is connected via a wired 13 or wireless communication, then the access information exchange system CUP preamble by the POS system 11. POS前置系统起到一个网关的作用,它为POS终端提供入网服务,起到协议转换和报文转换的作用。 POS front-end system acts as a gateway that provides network services for the POS terminals, act as protocol conversion and message conversion. ATM机15是一种组合了多种不同金融业务功能的自助服务终端,用户可以通过ATM机完成取款、存款、查询等金融服务。 ATM machine 15 is a combination of a variety of different business functions of financial self-service terminals, users can complete withdrawals, deposits, inquiries and other financial services through ATM machines. ATM机15—般通过专线拨号的通讯方式连接ATM前置系统14。 15 ATM machine ATM-like front-end system is connected through the line 14 dial-up communication. ATM前置系统也称为ATMP,ATMP 一端连接ATM终端,另一端接入银联交换系统11,为ATM提供网络接入手段和交易通讯服务,从而实现取款、转账等交易。 ATM system is also called front ATMP, ATMP ATM terminal connected to one end, the other end to the CUP switching system 11, and provide network access means for the ATM communication services transactions, in order to achieve withdrawals, transfers, and other transactions. 虽然POS机和ATM机都是通过前置系统接入银联信息交换系统11,但是由于其终端程序不同,交易功能不同、通讯方式不同导致了两种不同的前置系统。 Although POS machines and ATM machines are front-end system access through the CUP information exchange system 11, but because of their different terminal program, different trading functions, different means of communication leads to two different front-end system. [0021] 图2示出利用本发明的电子支付装置的POS机和ATM机支付渠道架构。 [0021] FIG. 2 shows the use of electronic payment device according to the present invention, the POS payment channel structure and ATM machines. 在图2中示出了根据本发明的电子支付装置20,其包括了智能卡25、键盘沈和显示器27。 In FIG. 2 illustrates an electronic payment device 20 according to the present invention, which includes a smart card 25, a keyboard 27 and a display sink. 举例来说,智能卡25可以通过SPI接口与键盘和显示器相连,但其也可以通过任何其他形式的接口连接任何其他形式的输入和输出设备。 For example, the smart card 25 via the SPI interface connected with a keyboard and display, but it may be connected to any other form of input and output devices by any other form of interface. 智能卡25具有一般的智能卡的基本结构,其中包括中央处理器CPU、可编程只读存储器EEPR0M、随机存储器RAM和固化在只读存储器ROM中的卡内操作系统COS (Chip Operating System)。 Smart card 25 having the basic structure of a general smart card, wherein the CPU includes a central processor, EEPR0M programmable read only memory, a random access memory RAM and curing the card operating system in a read only memory ROM, COS (Chip Operating System). 另外,智能卡25也包括上述各种接口以用于连接其私有的设备。 Further, the smart card 25 also includes an interface for connecting the above-described various of its private device. 根据本发明的实施例,可以利用智能卡25的中央处理器运行受理终端的交易程序来处理金融交易,例如符合POS规范的终端程序。 According to an embodiment of the present invention, the central processor can use the smart card operating program of the terminal 25 receives the transaction to handle financial transactions, such as compliance POS terminal program specification. 事实上,可以在智能卡25 上运行任何现有受理终端的交易程序,也可以设计与现有受理终端的交易程序相类似的程序,只要其中包括支持例如银行卡消费、查询余额、转账等一系列目前人们常用的银行卡功能的例程。 In fact, it can run any existing transaction program receiving terminal on the smart card 25 can also be designed a program similar to the existing trading programs receiving terminal phase, as long as including support such as bank card spending, balance inquiries, transfer and a series of currently routines often used the bank card function. 智能卡25还可以具有USB、SWP或者IS07816等各种接口,所述电子支付装置可以通过这些接口与现有的受理终端相连接。 The smart card 25 may also have USB, SWP or other IS07816 interface, said electronic payment device may be connected through the interfaces with the existing service terminal. 如图2所示,电子支付装置20可以通过智能卡25上的IS07816接口分别与POS机和ATM机相连。 As shown, the electronic payment device 220 may be respectively connected to the POS and ATM machines via a smart card interface 25 of IS07816. [0022] 从图2中可以看出,在利用根据本发明的电子支付装置25的情况下,POS机和ATM 机通过同一前置系统22接入银联信息交换系统11,分别构成POS机支付渠道和ATM机支付渠道。 [0022] As can be seen from Figure 2, in the case of using an electronic payment device 25 of the present invention, ATM machines and POS machine access preamble through the same system 22 CUP information exchange system 11, constitute the POS payment channel ATM machine and pay channels. 在使用POS机进行交易时,用户首先将电子支付装置20与POS机连接,例如通过IS07816接口,并激活该电子支付装置。 When using POS machine transaction, the user first electronic payment device 20 is connected to the POS, for example by IS07816 interface and activate the electronic payment device. 电子支付装置25启动智能卡25上的交易程序,并在显示器27上显示操作界面和提示信息。 Electronic payment device 25 to start the transaction program on the smart card 25, and displays the user interface and prompt information on the display 27. 用户根据显示器27上的提示信息进行操作,例如首先选择连接终端的类型,在这种情况下即选择POS机。 The user performs an operation message on the display 27, for example, first select the type of terminal connected, i.e. in this case to select the POS. 随后,电子支付装置20可以按照POS机的流程提示用户进行选择交易类型、输入交易金额、输入并验证用户PIN码等一系列操作,所有的信息输入均可通过键盘27来进行。 Subsequently, the electronic device 20 may prompt payment in accordance with the process of the POS user to select the type of transaction, enter the transaction amount, and enter your PIN to verify a series of operations, all of the information entered via the keyboard 27 can be carried out. 在一些实施例中,该键盘可以采用密码键盘,以提高交易的安全性。 In some embodiments, the keyboard can be password keyboard, in order to improve the security of transactions. 智能卡25上的操作系统大体上按照POS机的交易主程序运行,其将银行卡数据、用户密码等信息组织成标准IS08583报文结构传送给POS机终端。 25 operating system on the smart card transaction in accordance with generally run the main program POS machines, which will be organized information bank card data, passwords and other user into standard IS08583 packet structure sent to the POS terminal. POS机大体上仅起中间信息传递的作用,其将从电子支付装置20接收的数据报文传送给前置系统,而将前置系统反馈的数据报文转送给电子支付装置20。 POS machines generally functions only intermediate transfer information which the receiving apparatus 20 from the electronic payment data packet to the front-end system, the front-end system and the feedback data packet transferred to the electronic payment device 20. 整个交易过程与用户直接使用POS机终端进行交易基本一致,区别在于所有的交易流程都由电子支付装置中的智能卡来完成,而不是由POS机完成。 The whole process with the user directly POS terminal transactions are basically the same, except that all of the electronic payment transaction process by means of a smart card to complete, and not done by the POS machine. [0023] 在使用ATM机进行交易时也是同样的情况。 [0023] When using an ATM transaction is the same situation. 用户首先将电子支付装置20与ATM 机连接,例如通过IS07816接口,并激活该电子支付装置。 The user first electronic payment device 20 is connected to the ATM machine, for example by IS07816 interface and activate the electronic payment device. 电子支付装置25启动智能卡25 上的交易程序,并在显示器27上显示操作界面和提示信息。 Electronic payment device 25 to start the transaction program on the smart card 25, and displays the user interface and prompt information on the display 27. 用户根据显示器27上的提示信息进行操作,例如首先选择连接终端的类型,在这种情况下即选择ATM机。 The user performs an operation message on the display 27, for example, first select the type of terminal connected, i.e. in this case to select ATM machine. 随后,电子支付装置20仍然按照POS机的流程提示用户进行选择交易类型、输入交易金额、输入并验证用户PIN码等一系列操作,所有的信息输入均可通过键盘27来进行。 Subsequently, the electronic payment device 20 in accordance with the process still prompt the user to select the POS transaction type, enter the transaction amount, and enter your PIN to verify a series of operations, all of the information entered via the keyboard 27 can be carried out. 智能卡25上的操作系统大体上按照POS机的交易主程序运行,其将银行卡数据、用户密码等信息组织成标准IS08583报文结构传送给ATM机终端。 25 operating system on the smart card transaction in accordance with generally run the main program POS machines, which will be organized information bank card data, passwords and other user into standard IS08583 packet structure sent to the ATM terminal. ATM机将从电子支付装置20接收的数据报文传送给前置系统,而将前置系统反馈的数据报文转送给电子支付装置20。 Transmitting the ATM data packets received from the electronic payment means 20 to the front-end system, the front-end system and the feedback data packet transferred to the electronic payment device 20. 显然,根据这样的交易流程,ATM机可以容易地与POS机共用相同的前置系统。 Obviously, such a process the transaction, ATM machines can easily share the same front-end system and the POS. 当然,在前置系统中还需要对通过ATM机接收的数据和通过POS机接收的数据进行区分,这将在下面进行详细说明。 Of course, in the front-end system also need to receive data through the ATM machine and the data received through the POS machine to distinguish which will be described in detail below. [0024] 图3示出现有的网上支付渠道架构和支付流程。 [0024] FIG. 3 Some online payment channels and payment processes illustrating architecture. 这种架构一般使用诸如个人计算机(PC)、台式计算机、移动计算机、膝上型计算机、笔记本计算机、平板计算机、手持计算机、 手持设备、个人数字助理(PDA)设备、手持PDA设备等作为终端32,这些设备以有线或者无线的方式接入网络,诸如无线网络、局域网(LAN)、无线局域网(WLAN)、城域网(MAN)、无线城域网(WMAN)、广域网(WAN)、无线广域网(WffAN)等等。 This architecture is generally used, such as a personal computer (PC), a desktop computer, a mobile computer, a laptop computer, a notebook computer, a tablet computer, a handheld computer, a handheld device, a personal digital assistant (PDA) device, a handheld PDA device as a terminal 32, etc. these devices wired or wirelessly access the network, a wireless network, local area network (LAN), wireless local area network (WLAN), metropolitan area network (MAN), wireless metropolitan area networks (WMANs), such as a wide area network (WAN), wireless wide area network (WffAN) and so on. 终端32经由网络上的SR (Service Router)路由服务器25接入银联交换系统11。 The terminal 32 via the SR (Service Router) routing server 25 on the network access CUP switching system 11. [0025] 在通过网络进行支付时,用户首先通过诸如个人计算机22登陆商户网站23,在商户网上浏览商品并确认购买商品(步骤Si)。 [0025] at the time of payment through a network, such as a personal computer through a user first landing merchant website 22 23, see the products in the online merchant and confirm the purchase of goods (step Si). 接着,用户通过收单机构的支付网关M输入卡号(步骤s2)。 Next, the user inputs the payment gateway card acquirers M (step s2). 支付网关M将用户卡号提交到SR路由服务器25(步骤S3)。 M payment gateway card user to submit SR routing server 25 (step S3). 然后用户通过SC(SecurityControl)安全信息输入服务器沈输入认证信息,同时安全信息服务器沈将相关信息发送给SR(步骤s4)。 The user then SC (SecurityControl) sink server security information input to input authentication information, security information server simultaneously sends the relevant information to the sink SR (step s4). 随后,由SR系统将认证信息组织成IS08583报文格式传送到CUPS银联信息交换系统11,由CUPS进行交易处理(步骤s5)。 Subsequently, the SR system authentication information organized into packet format is transmitted to IS08583 CUPS CUP information exchange system 11, transaction processing (step s5) from the CUPS. 在获得响应后,SR路由服务器25把支付响应发送到收单机构的支付网关24(步骤s6)。 After the response is obtained, SR routing server 25 sends a response to the payment acquirer payment gateway 24 (step s6). 最后由支付网关M把交易应答返回到用户终端22,完成支付交易。 Finally, the transaction by the payment gateway M returns a response to the user terminal 22 to complete the payment transaction. 所述SR路由服务器25与所述前置系统相类似地起接入和报文交换的作用,但由于使用的通讯信令、网络拓扑结构等的不同而在实现上有很大的差别。 The routing server 25 with the SR system, similarly to front and play the role of an access packet switching, but because of the use of different communication signaling, the network topology or the like is very different in implementation. 显然,目前的网络支付架构和POS支付、ATM支付架构完全不同。 Clearly, the current online payment architecture and POS payments, ATM payments infrastructure is completely different. [0026] 图4示出利用本发明的电子支付装置的网上支付渠道架构。 [0026] FIG. 4 shows a channel structure online payment using an electronic payment device according to the present invention. 个人终端43仍然可以采用任何一种前述网上支付渠道的终端设备,但是其不再作为网上支付的主体。 Personal terminal 43 still can be in any one of the aforementioned terminal device online payment channels, but it is no longer a subject of online payment. 根据本发明,支付应用被完全移植到智能卡46中。 According to the present invention, the payment application is fully migrated to the smart card 46. 在图4所示的实施例中,个人终端43可以是PC, 其通过USB接口来连接电子支付装置40。 In the embodiment illustrated in FIG. 4, the personal terminal 43 may be a PC, which is connected to an electronic payment device via the USB interface 40. 智能卡46内的主程序可以是符合POS规范的终端程序,但不一定是这样。 The main program in the smart card 46 may be a POS terminal program in line with norms, but not necessarily so. 对于普通的PC机而言,一般都没有连接读卡器等设备,因此在电子支付装置40中为智能卡46配有IC卡读卡器或是磁条卡读卡器45以支持银行卡交易。 For an ordinary PC, the general reader and other devices are not connected, so the electronic payment device 40 is equipped with a smart card IC card reader 46 or a magnetic stripe card reader 45 to support bank card transactions. 智能卡46还配有独立的键盘44,用户可通过键盘44输入交易密码,从而增强交易的安全性和保密性。 Smart card 46 also has a separate keyboard 44, the user can enter the transaction password via the keyboard 44, thereby enhancing the security and confidentiality of transactions. 当然,用户也可以通过PC 43的键盘进行输入。 Of course, users can also enter via the keyboard of PC 43. 虽然在图4中没有示出,但在电子支付装置40中也可如图2所示的配有显示器,或者直接利用PC所带的显示器。 Although not shown in FIG. 4, in the electronic payment device 40 may be as shown in FIG. 2 with a display, or brought directly PC monitor. 另外,在银行卡交易需要进行指纹识别时,智能卡46也可外接指纹扫描仪。 In addition, the bank card transactions require fingerprint, smart card 46 but also external fingerprint scanner. [0027] 用户在利用这种架构的网上支付系统进行支付交易时,首先在电子支付装置40 的读卡器上刷自己的银行卡,再通过键盘44输入用户密码,智能卡46将银行卡数据、用户密码等信息组织成标准的报文结构,通过PC机43发送到后台前置系统42,由前置系统42 传送交易数据到信息交换系统11,并获取响应数据回送到PC机43,PC机43将接收到的数据直接发给智能卡46,由智能卡46处理。 When the [0027] user payment transactions online payment system using this architecture, first in electronic payments brush their bank card reader device 40, and then enter the user password, smart card, bank card data 46 through the keyboard 44, user password information organized into a standard packet structure sent to the front-back system 42 by the PC 43, 42 by the front-end system transmits the transaction data to the information exchange system 11, and the fetch response data sent back to the PC 43, the PC 43 the received data directly to the smart card 46, the process by the smart card 46. 在整个交易过程中,PC机的交易程序完全在智能卡中实现,其主要的功能是提供一个人机界面以及和后台通讯的功能。 Throughout the transaction process, PC machine trading program is fully implemented in the smart card, its main function is to provide a human-machine interface and functionality and background communications. 由此,用户在网上购物需要进行支付时,可以像在商场使用普通POS机那样的进行操作,大大方便了交易,也有利于提高安全性。 As a result, users need to pay when shopping online, you can do that kind of like a normal POS machines in malls, greatly facilitate the transaction, but also help improve security. [0028] 如前所述,个人终端设备可以有线或者无线的方式接入网络,诸如无线网络、局域网(LAN)、无线局域网(WLAN)、城域网(MAN)、无线城域网(WMAN)、广域网(WAN)、无线广域网(WWAN)等。 [0028] As described above, the personal terminal may be a wired or wireless device accesses the Internet, such as a wireless network, local area network (LAN), wireless local area network (WLAN), metropolitan area network (MAN), wireless metropolitan area network (WMAN) , Wide Area Network (WAN), wireless wide area network (WWAN) and so on. 就PC 43而言,其常见地通过局域网或无线局域网与前置系统通信。 On the PC 43, its common communicate via LAN or wireless LAN and front-end system. 众所周知, 这类网络通常很容易受到病毒或者黑客的攻击,若直接在PC上安装交易程序,则会有很大的信息泄露的风险。 As we all know, these networks are often vulnerable to viruses or hacker attacks, if the installation program trading directly on a PC, then there will be a great risk of information leakage. 采用本发明所提供的电子支付装置,则使得信息从输入到处理都具有很高的私密性,从而大大提高了交易安全。 Electronic payment device of the present invention is provided, so that the information from the input to the process have a high confidentiality, thereby greatly improving safety of the transaction. [0029] 图5示出利用本发明的电子支付装置的整合的电子支付系统。 [0029] Figure 5 illustrates the integration of the electronic payment system using an electronic payment device according to the present invention. 如图5所示,该电子支付系统包括POS机53、ATM机54、PC机55、手机56、固定电话57、电视机顶盒58作为终端设备,但应注意的是本发明不应被限制于所示的这些终端而是旨在包括所有现有的以及将来被开发的终端设备。 5, the electronic payment system comprising a POS unit 53, ATM machine 54, PC unit 55, the phone 56, the fixed telephone 57, a STB terminal apparatus 58, it should be noted that the present invention should not be limited to the these terminals illustrated but is intended to include all existing and future developed terminal device. 这些设备的一端均连接到同一前置系统52,这种连接可以通过任何形式的有线或无线通信接口来实现,而另一端可分别连接根据本发明的电子支付装置, 例如通过IS07816接口或是USB接口。 One end of these devices are connected to the same front-end system 52, such connection may be achieved by any form of wired or wireless communication interface, and the other end connected to an electronic payment device according to the invention are, for example, via an interface or USB IS07816 interface. 对于前置系统52而言,其与一般的前置系统相类似地具有通讯接入层,差别在于该通讯接入层可以区分各种通讯路径,从而根据各种通讯路径上的数据传输格式来对接收到的数据进行解析。 For front-end system 52, its front having a general communication system similarly to the access layer, wherein the difference between the communication access layer may distinguish the various communication paths, thereby a data transmission format that various communication path parsing the received data. [0030] 例如,在手机支付的情况下,手机终端接收电子支付交易装置中的智能卡所产生的标准IS08583格式的数据报文。 [0030] For example, in the case of mobile payment, the mobile phone terminal receives data packets electronic payment transaction means smart card standard IS08583 format generated. 手机终端按照其与移动站之间的通信格式对该数据报文进行封装并发送而不做任何其他额外的处理,移动站接着将该数据报文传送到前置系统的通讯接入层。 The communication format between the mobile terminals and which mobile station the data packet encapsulated and transmitted without making any additional processing, the mobile station then transmits the data packet to the communications system of front access layer. 通讯接入层在已知该数据报文是从移动站接收到的情况下,即可按照移动通信数据格式对其进行解析,并将解析得到的标准IS08583格式的数据报文传送给CUPS。 Communication access layer in the case of the known data packet is received from the mobile station of the mobile communication according to the data format to parse, and the obtained analytical standard IS08583 format data packet to the CUPS. 同样地,通讯接入层还可将从CUPS收到的数据报文以与先前相同的数据格式进行封装发送回给移动站,再由移动站到手机终端,手机终端到电子支付装置,最终完成信息交互和业务处理。 Likewise, the data communications from the access layer may CUPS previously received packets in the same data format encapsulated sent back to the mobile station, then the mobile station to mobile terminals, mobile terminals to an electronic payment device, finalize information exchange and business processes. 在这样的系统架构下,交易流程全部在电子支付装置中的智能卡上完成,而手机终端仅起了数据转发的作用,因此有利于支付渠道的整合和扩展。 In this architecture, the transaction process is completed on all electronic devices payments in the smart card, and mobile terminal data forwarding only played a role, thus facilitating the integration of payment channels and expansion. 也即,很多可以作为各种信息交换网络的节点的设备都可以被扩展成支付渠道的终端,例如电视机机顶盒、游戏电子设食寸寸。 That is, as a lot of various information exchange device nodes of the network can be expanded into a terminal payment channels, such as television set-top boxes, game electronic food begins. [0031] 此外,电子支付装置中智能卡的私有外设还可以根据终端需求进行调整。 [0031] Further, the smart card electronic payment means of private peripherals may also be adjusted according to the needs of the terminal. 作为输入设备,可以包括键盘、指纹扫描仪、触摸屏等,而作为输出设备可以包括显示器、打印机等。 As an input device may include a keyboard, fingerprint scanner, touch screen, etc., and as an output device may include a display, printer or the like. 由于这些设备与智能卡是相互独立的,因此可以将它们实现为可移除设备,灵活地适应于各种终端的需要,并且为用户提供方便。 Since these devices with smart cards are independent, so they can be implemented as a removable device, flexibly adapted to the needs of various terminals, and the convenience for the user. [0032] 综上所述,本发明提供的解决方案直接改变了外部系统的接入方式、数据格式,从本质上实现了渠道的统一,并且前置系统也无需增加接口层来对不同的接入设备进行不同的安全控制以及报文格式转换等操作。 [0032] In summary, the present invention provides a solution directly access the external system change, the data format, to achieve a unified channel from nature, and also without increasing the front-end system interfaces connected to different layers the different security devices and the control packet format conversion operations. 由于本发明直接作用在外部接入终端上,因此避免了对终端设备的重复投资,也有利于维护终端设备的管理。 Because the present invention acts directly on the exterior of the access terminals, thus avoiding duplicate investment in terminal equipment, it is also conducive to the maintenance management terminal device. [0033] 应当说明的是,以上具体实施方式仅用以说明本发明的技术方案而非对其进行限制。 [0033] It should be noted that the above specific embodiments are intended to illustrate the present invention without limiting it. 尽管参照上述具体实施方式对本发明进行了详细的说明,本领域的普通技术人员应当理解,依然可以对本发明的具体实施方式进行修改或对部分技术特征进行等同替换而不脱离本发明的实质,其均涵盖在本发明请求保护的范围中。 While the invention has been described in detail with reference to the above specific embodiments, those of ordinary skill in the art should be understood, modifications can be made to the specific embodiments of the present invention or to some technical features equivalent replacements without departing from the spirit of the present invention, It is encompassed within the scope of the claimed invention.

Claims (6)

  1. 1. 一种电子支付装置,其特征在于,所述电子支付装置包括智能卡、智能卡私有外部设备、以及通讯接口;其中在所述智能卡上运行受理终端的交易程序。 1. An electronic payment device, wherein said electronic payment device comprising a smart card, the smart card private external device, and a communication interface; wherein the program runs receives the transaction terminal on the smart card.
  2. 2.如权利要求1所述的电子支付装置,其特征在于,其中所述受理终端的交易程序是符合金融POS终端受理规范或其他金融应用受理规范的终端程序。 2. The electronic payment device according to claim 1, wherein, wherein said reception terminal is in line with the financial transaction program receives the POS terminal receives application specifications or other financial terminal program specifications.
  3. 3.如权利要求1所述的电子支付装置,其特征在于,其中所述智能卡私有外部设备包括键盘、触摸屏、指纹扫描仪、IC卡读卡器中的一种或多种。 Said electronic payment device as claimed in claim 1, wherein, wherein said smart card private external device includes one or more of a keyboard, a touch screen, a fingerprint scanner, IC cards in the card reader.
  4. 4.如权利要求1所述的电子支付装置,其特征在于,其中所述通讯接口包括IS07816接口、USB接口中的一种或多种。 The electronic payment device according to claim 1, wherein, wherein said communication interface comprises IS07816 interface, USB interface, one or more.
  5. 5. 一种电子支付交易系统,其特征在于,所述电子支付交易系统包括: 如权利要求1至4中任意一项所述的电子支付装置;多种电子支付交易终端;前置系统,所述前置系统包括通讯接口层;以及金融信息交易处理系统;其中所述前置系统通过所述通讯接口层与所述多种电子支付交易系统通信。 An electronic payment transaction system, wherein said electronic payment transaction system comprising: any one of 1 to 4 electronic payment device according to claim 1; more electronic payment transaction terminal; front-end system, the said front-end system comprising a communication interface layer; financial information and transaction processing system; wherein the front-end system via the communication interface layer and the plurality of electronic payment transaction system in communication.
  6. 6.如权利要求5所述的电子支付交易系统,其特征在于,其中所述多种电子支付交易终端包括POS终端、ATM机、手机、PC机、固定电话、电视机顶盒。 Electronic payment transactions system according to claim 6, wherein, wherein the electronic payment transaction terminal comprises a plurality of POS terminals, ATM machines, mobile phone, PC, stationary telephone, television set top box.
CN 201010619835 2010-12-28 2010-12-28 Electronic payment device and electronic payment system using same CN102542688A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN 201010619835 CN102542688A (en) 2010-12-28 2010-12-28 Electronic payment device and electronic payment system using same

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN 201010619835 CN102542688A (en) 2010-12-28 2010-12-28 Electronic payment device and electronic payment system using same

Publications (1)

Publication Number Publication Date
CN102542688A true true CN102542688A (en) 2012-07-04

Family

ID=46349487

Family Applications (1)

Application Number Title Priority Date Filing Date
CN 201010619835 CN102542688A (en) 2010-12-28 2010-12-28 Electronic payment device and electronic payment system using same

Country Status (1)

Country Link
CN (1) CN102542688A (en)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102521779A (en) * 2011-12-26 2012-06-27 东信和平智能卡股份有限公司 Electronic transaction smart card and electronic transaction system
CN105023150A (en) * 2015-07-22 2015-11-04 天地融科技股份有限公司 Data processing method and device for POS machine
US9811826B2 (en) 2013-07-11 2017-11-07 Tencent Technology (Shenzhen) Company Limited Method and apparatus for increasing security of an electronic payment

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6157966A (en) * 1997-06-30 2000-12-05 Schlumberger Malco, Inc. System and method for an ISO7816 complaint smart card to become master over a terminal
CN1635475A (en) * 2003-12-31 2005-07-06 宏碁股份有限公司 Data processing method between smart card having multiple application program and terminal machine
US20070185991A1 (en) * 2003-06-12 2007-08-09 First Data Corportion Versatile terminal adapter and network for transaction processing
JP2009043087A (en) * 2007-08-09 2009-02-26 Japan Research Institute Ltd E-commerce system and computer program
CN101556716A (en) * 2008-04-08 2009-10-14 杨志华 Device and system capable of realizing electronic payment through combination with general computing apparatus
CN101877158A (en) * 2010-03-23 2010-11-03 苏州德融嘉信信用管理技术有限公司 Front service platform of bank and operation processing method thereof

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6157966A (en) * 1997-06-30 2000-12-05 Schlumberger Malco, Inc. System and method for an ISO7816 complaint smart card to become master over a terminal
US20070185991A1 (en) * 2003-06-12 2007-08-09 First Data Corportion Versatile terminal adapter and network for transaction processing
CN1635475A (en) * 2003-12-31 2005-07-06 宏碁股份有限公司 Data processing method between smart card having multiple application program and terminal machine
JP2009043087A (en) * 2007-08-09 2009-02-26 Japan Research Institute Ltd E-commerce system and computer program
CN101556716A (en) * 2008-04-08 2009-10-14 杨志华 Device and system capable of realizing electronic payment through combination with general computing apparatus
CN101877158A (en) * 2010-03-23 2010-11-03 苏州德融嘉信信用管理技术有限公司 Front service platform of bank and operation processing method thereof

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102521779A (en) * 2011-12-26 2012-06-27 东信和平智能卡股份有限公司 Electronic transaction smart card and electronic transaction system
US9811826B2 (en) 2013-07-11 2017-11-07 Tencent Technology (Shenzhen) Company Limited Method and apparatus for increasing security of an electronic payment
CN105023150A (en) * 2015-07-22 2015-11-04 天地融科技股份有限公司 Data processing method and device for POS machine

Similar Documents

Publication Publication Date Title
US7366703B2 (en) Smartcard internet authorization system
US20130054474A1 (en) Systems and methods for authorizing a transaction with an unexpected cryptogram
US20020072931A1 (en) System and method to provide financial rewards and other incentives to users of personal transaction devices
US20100106647A1 (en) Method and system for close range communication using audio tones
US20120317628A1 (en) Systems and methods for authorizing a transaction
US20060167823A1 (en) Secure wireless commerce
US20140058951A1 (en) Mobile electronic device and use thereof for electronic transactions
CN102103778A (en) Mobile payment system, mobile terminal and method for realizing mobile payment service
CN101025806A (en) Identity authentication method of fee payment via mobile communication terminal
CN101000675A (en) Electronic transaction method and transaction platform system
CN101098225A (en) Safety data transmission method and paying method, paying terminal and paying server
CN1959727A (en) Shopping method and system by using handset based on technique of 3D codes
CN102402820A (en) Electronic transaction method and terminal equipment
CN101018130A (en) Finance business system and finance business processing method
CN103824185A (en) mobile intelligent terminal payment method and system based on low-power-consumption Bluetooth
CN102496222A (en) Payment command-based paying method, paying terminal and system
CN102521744A (en) Network payment method and apparatus thereof
CN1625257A (en) Method and device for realizing networking on-line payment by digital TV. remote controller
US20020123970A1 (en) Method or system for executing deferred transactions
US7720756B2 (en) Methods, devices and bank computers for consumers using communicators to wire funds to sellers and vending machines
CN101329800A (en) Method for processing mobile phones POS consumptive data and mobile phones POS consumption system
CN101369365A (en) POS system for mobile phone based on built-in certificate and virtual credit card
CN1334541A (en) Method and system for procesisng different bank cards
CN102202092A (en) Television bank public service platform
CN103198400A (en) Bluetooth wireless point of sale (POS) terminal financial payment system and payment method thereof

Legal Events

Date Code Title Description
C06 Publication
C10 Entry into substantive examination
C12 Rejection of a patent application after its publication