CN102568122A - POS (point of sale) terminal system combining smart card and mobile phone - Google Patents
POS (point of sale) terminal system combining smart card and mobile phone Download PDFInfo
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- CN102568122A CN102568122A CN2011104449393A CN201110444939A CN102568122A CN 102568122 A CN102568122 A CN 102568122A CN 2011104449393 A CN2011104449393 A CN 2011104449393A CN 201110444939 A CN201110444939 A CN 201110444939A CN 102568122 A CN102568122 A CN 102568122A
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Abstract
The invention discloses a POS (point of sale) terminal system combining a smart card and a mobile phone. The POS terminal system comprises a smart card, an interactive program, a driving program and an electronic transaction application program; wherein the smart card and the interactive program are arranged in a mobile phone, the smart card comprises external equipment for being connected with the smart card or/and a connecting interface adapted to the mobile phone; the driving program is used for driving the external equipment connected with the smart card and realizing the safety program and management program of fundamental services of a POS machine terminal; the electronic transaction application program is used for realizing electronic transaction of the POS machine terminal; and the interactive program is used for interacting with the electronic transaction application program and is responsible for the communication with a background system of a bank terminal. According to the POS terminal system combining the smart card and the mobile phone, the smart card does not need to be fixedly provided with external equipment in POS machines, such as a printer, a keyboard, a card reader and the like. Compared with POS machines in the prior art, the smart card is combined with the mobile phone to realize the function of the POS machine terminal, the volume is small, and the cost is low, and the portability is enhanced, thereby beneficial for the popularization and development of electronic transaction by adopting the POS machine.
Description
Technical field
The present invention relates to the financial field, the POS terminal system of particularly a kind of combined with intelligent card and mobile phone.
Background technology
Point of sales terminal (POS, Point of sale) is also referred to as POS machine terminal, is a kind ofly can receive bank card information, has communication function, and financial transaction information and mutual for information about equipment are accomplished in the instruction that can receive the teller.
Along with the development of electronic transaction, the application at POS machine terminal has also obtained application more and more widely.The course of work of carrying out electronic transaction through POS machine terminal generally is, reads the holder's magnetic strip information on the bank card through card reader, and personnel import dealing money by POS machine terminal operation; Then, the user, promptly the holder inputs personally identifiable information's (being password); POS machine terminal these information through the Unionpay center, on deliver to the system of issuing bank, thereby accomplish on-line transaction; And provide Transaction Success whether information, in addition, can also print corresponding bill.
In order to make POS machine terminal can adapt to the application of moving occasion, the POS machine terminal based on GPRS or CDMA has appearred at present, and having solved traditional P OS machine terminal through wireless access way can only be in the defective of stationary applica-tions use.
But; This wireless mobile POS machine of the prior art terminal is as the electronic transaction device of special use; Need be fixed with multiple input-output device, thereby make that its cost is higher, and this wireless mobile POS machine terminal only possesses single POS trading function; Only be fit to businessman purchase, carry and use is difficult to be generalized to the personal user, can't make the personal user use the electronic transactions such as consumption of paying the bill of POS machine terminal whenever and wherever possible.
Summary of the invention
In view of this; The embodiment of the invention provides the POS terminal system of a kind of combined with intelligent card and mobile phone; Accomplish electronic transaction through being used, thereby solved that present wireless mobile POS machine terminal need be fixed with multiple input-output device and the too high problem of cost that causes with mobile phone.
The POS terminal system of a kind of combined with intelligent card and mobile phone comprises: smart card be installed on the interactive program in the mobile phone;
Said smart card comprises:
Each external equipment that is used for being connected with said smart card or/and with the adaptive connecting interface that is connected of said mobile phone;
Be used to drive the driver of the external equipment that is connected with said smart card;
Be used to realize the security procedure and the supervisory routine of the service of POS machine terminal-based;
Be used to realize that POS machine terminal carries out the electronic transaction application program of electronic transaction;
Said interactive program is used for said electronic transaction application program mutual, and is responsible for holding communicating by letter of background system with bank.
Preferably, in embodiments of the present invention, said smart card is encapsulated as SIM, SD card or mmc card.
Preferably, in embodiments of the present invention, when said smart card is encapsulated as SIM,
Said phone housing is provided with said connecting interface link.
Preferably, in embodiments of the present invention, said connecting interface comprises:
A kind of and combination in any in SPI interface, ISO7816 standard contact intelligent card interface, Single Wire Protocol standard interface, USB interface or the MMC interface.
Preferably, in embodiments of the present invention, said connecting interface is divided into: Peripheral Interface and handset port.
Preferably, in embodiments of the present invention, said driving comprises with the driver of the external equipment that said smart card is connected:
A kind of and combination in any in keyboard driver, printed driver, IC card-reader driver program program, fingerprint scanner driver or the touch-screen driver.
Preferably, in embodiments of the present invention, said security procedure is used to realize the electronic transaction security protection, comprises the encryption and decryption of electronic transaction data, the checking treatment at operation POS machine terminal.
Preferably, in embodiments of the present invention, said supervisory routine is used for each external equipment that is connected with said smart card is carried out the download and upgrade management of self check, said electronic transaction application program, and the parameter management of said smart card.
Preferably, in embodiments of the present invention, said electronic transaction application program is used to realize consumer sale, the inquiry into balance transaction of said smart card, and, the flow processing of all kinds of transaction, and according to the networking message format encapsulation transaction order of correspondence.
Preferably, in embodiments of the present invention, said smart card and said mobile phone carry out communication through ICP/IP protocol or APDU agreement.
Can find out through technique scheme, in embodiments of the present invention, be used the various electronic transaction functions of accomplishing POS machine terminal through smart card and the mobile phone that the electronic transaction application program will be installed; Because smart card in embodiments of the present invention needn't be fixed with like the external unit in each POS machines such as printer, keyboard, card reader; Compare with POS machine of the prior art; Smart card in the embodiment of the invention not only volume is little and cost is low, and then has strengthened portable and help carrying out popularizing of electronic transaction and development through the POS machine.
Description of drawings
Fig. 1 is the structural representation of the terminal system of POS machine described in the embodiment of the invention;
Fig. 2 is the terminal system of POS machine described in the embodiment of the invention and the synoptic diagram that is connected of external unit;
Fig. 3 is the schematic flow sheet that POS machine terminal system realizes electronic transaction in 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.
In order to reduce the cost at POS machine terminal; Help the popularization and application at POS machine terminal more; The embodiment of the invention provides the POS terminal system of a kind of combined with intelligent card and mobile phone, and is as shown in Figure 1, and POS machine terminal system comprises smart card 2 and is installed on the interactive program in the mobile phone 1;
Interactive program is used for carrying out accomplishing the POS payment transaction jointly alternately with the electronic transaction application program.Simultaneously, interactive program also is used for holding communicating by letter of background system with bank.
In the prior art, wireless mobile POS machine terminal is generally integrated design, and its external unit includes display, card reader, printer and keyboard etc.Like this, make that the cost at wireless mobile POS machine terminal is too high, be inappropriate for purchasing and using of personal user, thereby also just be unfavorable for carrying out popularizing of electronic transaction and development through the POS machine.
For this reason, in the embodiment of the invention, the kernal hardware of accomplishing electronic transaction in the POS machine terminal and program separated be designed to smart card; Be used through smart card and the very high user mobile phone of popularity rate,, connect required external unit more as required through wireless communication function and the Presentation Function that utilizes mobile phone; Realize that POS machine terminal can accomplish electronic transaction; Owing in the embodiment of the invention, do not need the user to purchase whole POS machine terminal, thereby reduced acquisition cost effectively.
For smart card can be connected with mobile phone with existing external unit easily; And; For more convenient in compatibility, exploitation and the escalation process of follow-up software and hardware, in the embodiment of the invention smart card is divided into hardware layer, device drive layer, service layer and application layer.Wherein, Hardware layer is used to provide the hardware foundation of smart card; Management smart card hardware connecting interface; The connecting interface that is used to connect external unit and mobile phone specifically can comprise, SPI interface, ISO7816 standard contact intelligent card interface, Single Wire Protocol standard interface, USB interface or MMC interface etc. can with a kind of and combination in any in the suitable interface of refuting catcher machine or required external unit case.
Concrete, the structure of smart card is as shown in Figure 2, for hardware layer, can comprise the connecting interface 22 that is used for external unit such as IC card reader 32, printer 33 and keyboard 31 or mobile phone 1; As, SPI interface, ISO7816 standard contact intelligent card interface or Single Wire Protocol standard interface etc., like this, the user can carry out electronic transaction according to own getable external unit connection of intelligent card.Such as, for the security of electronic transaction, the user can input sensitive informations such as card number or password via the external keyboard that connecting interface connects separately, the risk that leaks with the security information of avoiding cell phone keyboard to be caused by the Malware record; In addition, the user can also connect the IC card reader, to accomplish swiping the card of credit card, perhaps, can also print transaction voucher etc. through connecting printer.
Smart card can also connecting interface be divided into Peripheral Interface and handset port.What be used for being connected with mobile phone is handset port, specifically can comprise InterChip-USB standard interface or MultiMediaCard standard interface.Through compatible, improved the compatibility of smart card like this, helped the popularization and application of smart card with the standard interface of existing mobile phone.
Device drive layer comprises the driver that is used to drive the external equipment that is connected with smart card; Device drive layer can comprise that specifically smart card passes through the driver of the continuous various kinds of equipment of its Peripheral Interface, like keyboard drive, printed driver, IC card-reader driver program program, fingerprint scanner driver or touch-screen driver etc.
Service layer has comprised security procedure and the supervisory routine that is used to realize the service of POS machine terminal-based; Wherein security module is used to realize the electronic transaction security protection, comprises the encryption and decryption of electronic transaction data, the checking treatment at operation PSO machine terminal etc.; Administration module comprises the download and upgrade management that is used for each external equipment that is connected with said smart card is carried out self check, said electronic transaction application program, and the functions such as parameter management of said smart card.
Application layer is used to realize that POS machine terminal carries out the electronic transaction application program of electronic transaction; The electronic transaction application program is used to realize consumer sale, the inquiry into balance transaction of smart card, and, the flow processing of all kinds of transaction, and according to the networking message format encapsulation transaction order of correspondence etc.
In mobile phone end, the interactive program that is used for smart card and background communication is installed also.
The user uses for the payment that realizes the POS machine, need corresponding interactive program be installed, so that can have interface mutual and operation with the electronic transaction application program in mobile phone end.Concrete, can realize through simple STK menu-style, or realize the various programs in the mobile phone end visit smart card through the form that web uses.
In practical application, the smart card in the embodiment of the invention can also be encapsulated as SIM, SD card or mmc card.Thereby make the portability of smart card be further improved.Wherein, When smart card was encapsulated as SIM, phone housing need be provided with the connecting interface link, promptly; Need on phone housing, carry out some changes; The external interface of smart card is drawn outside the mobile phone shell, or on hand set machine shell, corresponding interface is provided, supply external unit directly to link to each other with smart card.
In addition, the smart card in the embodiment of the invention can also be encapsulated on the pcb board of an integral body, and external interface is encapsulated as the pin form of mark, thereby has made things convenient for the plug of external equipment.Further, this pcb board is outer can also to be provided with shell, makes smart card become an integral device so that smart card and external unit be connected and carry more convenient.
Need to prove that in embodiments of the present invention, smart card and mobile phone can carry out communication through ICP/IP protocol or APDU agreement,, carry out the mutual of data with the wireless POS center that bank holds so that smart card can utilize the wireless communication function of mobile phone easily.
For the application mode of the smart card in the clear and definite embodiment of the invention, will use the EMV card to use POS machine terminal system in the embodiment of the invention with the user below and carry out online consumption and be example, combine Fig. 3 that the concrete performing step of the embodiment of the invention is done elaboration in detail.Before using POS machine terminal system, need be in information such as the built-in terminal number of smart card of POS machine terminal system, trade company number, POS machine terminal system key, user name and operator passwords.
When the user need use POS machine terminal system, need carry out user validation checking earlier, the keyboard input operation password that the user is furnished with through smart card just can use the electronic transaction function at POS machine terminal after verifying successfully.After user validation was verified successfully, mobile phone end was presented to the user with the main interface of the POS organic electronic transaction application programs in the smart card, and the user selects consumer sale in main interface, and according to the prompting input consumption amount of money, beginning consumer sale flow process.
Then, the user operates POS machine terminal system and carries out consumer sale, and POS machine terminal system is inserted IC-card through the screen prompt user of mobile phone, and the user inserts user's bank card in the IC-card card reader that is connected with smart card.After smart card detection arrives user's bank card, will carry out validity check to user's bank card, so whether bank card is legal card, can smart card accept this bank card etc.If carry out failure, then point out this bank card of user invalid.
After the success of smart card verified users bank card,, require the user to import PIN through the handset displays information.The external connection keyboard input user PIN of user through being connected with smart card.The user is through external connection keyboard input PIN, and not from the cell phone keyboard input, this can reduce password leakage, be stolen or the possibility that quilt is intercepted and captured in transmission course, thereby strengthens the security of PIN code.
Smart card through mh tissue consumption message, and is delivered to the wireless POS center on the wireless communication module through mobile phone after obtaining user's bank card essential information and user PIN, and the wait-for-response message.
The consumption message that send is received at the wireless POS center, carries out after the correct dissection process back response information and gives POS machine terminal system.Mobile phone sends the response message of receiving to intelligent card in processing through USB interface.Smart card 10 calls message processing module (MPM) analytic message data.If transaction is returned as success, then point out the customer consumption success, the user can also select whether to print consumption certificate through the external printer of smart card.If Fail Transaction, then show failure information, and carry out the conventional processing of Fail Transaction, as conclude the business and just dashing or this transaction of retry etc.So far, the user uses POS machine terminal system to accomplish the IC-card consumer sale.
The user uses POS machine terminal system can carry out consumer sale, also can carry out other POS transaction, like inquiry into balance, detailed inquiry, off-line consumption etc.After the transaction number of smart card 10 stored of POS machine terminal system reaches certain stroke count; When the user gets into the POS function; POS machine terminal system can also point out the user " to store full; please settle accounts earlier ", and batch settlement management program of operation on the smart card carry out settlement of transactions, carries out reconciliation with the wireless POS center
To the above-mentioned explanation of the disclosed embodiments, make this area professional and technical personnel can realize or use the present invention.Multiple modification to these embodiment will be conspicuous concerning those skilled in the art, and defined General Principle can realize under the situation that does not break away from the spirit or scope of the present invention in other embodiments among this paper.Therefore, the present invention will can not be restricted to these embodiment shown in this paper, but will meet and principle disclosed herein and features of novelty the wideest corresponding to scope.
Claims (10)
1. the POS terminal system of combined with intelligent card and mobile phone is characterized in that, comprising: smart card be installed on the interactive program in the mobile phone;
Said smart card comprises:
Each external equipment that is used for being connected with said smart card or/and with the adaptive connecting interface that is connected of said mobile phone;
Be used to drive the driver of the external equipment that is connected with said smart card;
Be used to realize the security procedure and the supervisory routine of the service of POS machine terminal-based;
Be used to realize that POS machine terminal carries out the electronic transaction application program of electronic transaction;
Said interactive program is used for said electronic transaction application program mutual, and is responsible for holding communicating by letter of background system with bank.
2. system according to claim 1 is characterized in that said smart card is encapsulated as SIM, SD card or mmc card.
3. system according to claim 2 is characterized in that, when said smart card is encapsulated as SIM,
Said phone housing is provided with said connecting interface link.
4. system according to claim 1 is characterized in that, said connecting interface comprises:
A kind of and combination in any in SPI interface, ISO7816 standard contact intelligent card interface, Single Wire Protocol standard interface, USB interface or the MMC interface.
5. system according to claim 1 is characterized in that, said connecting interface is divided into: Peripheral Interface and handset port.
6. system according to claim 1 is characterized in that, said driving comprises with the driver of the external equipment that said smart card is connected:
A kind of and combination in any in keyboard driver, printed driver, IC card-reader driver program program, fingerprint scanner driver or the touch-screen driver.
7. system according to claim 1 is characterized in that said security procedure is used to realize the electronic transaction security protection, comprises the encryption and decryption of electronic transaction data, the checking treatment at operation POS machine terminal.
8. system according to claim 1 is characterized in that, said supervisory routine is used for each external equipment that is connected with said smart card is carried out the download and upgrade management of self check, said electronic transaction application program, and the parameter management of said smart card.
9. system according to claim 1; It is characterized in that said electronic transaction application program is used to realize consumer sale, the inquiry into balance transaction of said smart card, and; The flow processing of all kinds of transaction, and according to the networking message format of correspondence encapsulation transaction order.
10. system according to claim 1 is characterized in that, said smart card and said mobile phone carry out communication through ICP/IP protocol or APDU agreement.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2011104449393A CN102568122A (en) | 2011-12-26 | 2011-12-26 | POS (point of sale) terminal system combining smart card and mobile phone |
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| CN2011104449393A CN102568122A (en) | 2011-12-26 | 2011-12-26 | POS (point of sale) terminal system combining smart card and mobile phone |
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Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103049403A (en) * | 2013-01-11 | 2013-04-17 | 福建鑫诺通讯技术有限公司 | Method for communication between embedded terminal device and cell phone |
| CN103530554A (en) * | 2013-10-29 | 2014-01-22 | 银联商务有限公司 | Driver package installation method, driver package generation method, payment device and driving server |
| CN104103136A (en) * | 2014-07-09 | 2014-10-15 | 青岛中科英泰商用系统股份有限公司 | Intelligent mobile equipment-based cash registering method |
| CN104951936A (en) * | 2014-03-26 | 2015-09-30 | 北京同方微电子有限公司 | Cell phone card swiping device and card swipe transaction method thereof |
| CN105046814A (en) * | 2015-08-14 | 2015-11-11 | 深圳市文鼎创数据科技有限公司 | Smart card and payment terminal integrated device and control method thereof |
| CN105260213A (en) * | 2015-10-30 | 2016-01-20 | 中国民生银行股份有限公司 | Intelligent POS machine initialization method and device |
| CN105447693A (en) * | 2015-12-25 | 2016-03-30 | 上海易码信息科技有限公司 | ATM (Automatic Teller Machine) card payment and account settlement integrated device |
| CN105608568A (en) * | 2016-02-26 | 2016-05-25 | 上海易码信息科技有限公司 | Device integrating functions of finance card payment and settlement and finance card payment and settlement method |
| CN105989475A (en) * | 2014-11-07 | 2016-10-05 | 天地融科技股份有限公司 | Data interaction method |
| CN106127980A (en) * | 2016-08-03 | 2016-11-16 | 杭州易雅通科技有限公司 | A kind of Intelligent consumer machine |
| CN108460905A (en) * | 2018-03-23 | 2018-08-28 | 银联商务股份有限公司 | A kind of external card reader, terminal device and data processing method |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103049403A (en) * | 2013-01-11 | 2013-04-17 | 福建鑫诺通讯技术有限公司 | Method for communication between embedded terminal device and cell phone |
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| CN103530554A (en) * | 2013-10-29 | 2014-01-22 | 银联商务有限公司 | Driver package installation method, driver package generation method, payment device and driving server |
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| CN105046814A (en) * | 2015-08-14 | 2015-11-11 | 深圳市文鼎创数据科技有限公司 | Smart card and payment terminal integrated device and control method thereof |
| CN105260213A (en) * | 2015-10-30 | 2016-01-20 | 中国民生银行股份有限公司 | Intelligent POS machine initialization method and device |
| CN105260213B (en) * | 2015-10-30 | 2019-04-30 | 中国民生银行股份有限公司 | Intelligent POS machine initial method and device |
| CN105447693A (en) * | 2015-12-25 | 2016-03-30 | 上海易码信息科技有限公司 | ATM (Automatic Teller Machine) card payment and account settlement integrated device |
| CN105608568A (en) * | 2016-02-26 | 2016-05-25 | 上海易码信息科技有限公司 | Device integrating functions of finance card payment and settlement and finance card payment and settlement method |
| CN106127980A (en) * | 2016-08-03 | 2016-11-16 | 杭州易雅通科技有限公司 | A kind of Intelligent consumer machine |
| CN106127980B (en) * | 2016-08-03 | 2019-02-19 | 杭州易雅通科技有限公司 | A kind of intelligent consumer machine |
| CN108460905A (en) * | 2018-03-23 | 2018-08-28 | 银联商务股份有限公司 | A kind of external card reader, terminal device and data processing method |
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Address after: 519060 Guangdong province Zhuhai Nanping Science and Technology Industrial Park Road No. 8 screen Applicant after: Eastcompeace Technology Co., Ltd. Address before: 519060 Guangdong province Zhuhai Nanping Science and Technology Industrial Park Road No. 8 screen Applicant before: Eastcompeace Smart Card Co., Ltd. |
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Free format text: CORRECT: APPLICANT; FROM: EASTCOMPEACE SMART CARD CO., LTD. TO: EASTCOMPEACE TECHNOLOGY CO., LTD. |
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Application publication date: 20120711 |