CN102622828B - Payment terminal capable of realization of splittable combination of secure payment and mobile payment and payment method thereof - Google Patents
Payment terminal capable of realization of splittable combination of secure payment and mobile payment and payment method thereof Download PDFInfo
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- CN102622828B CN102622828B CN201110034174.6A CN201110034174A CN102622828B CN 102622828 B CN102622828 B CN 102622828B CN 201110034174 A CN201110034174 A CN 201110034174A CN 102622828 B CN102622828 B CN 102622828B
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Abstract
The invention discloses a payment terminal capable of realization of splittable combination of secure payment and mobile payment and a payment method thereof. The payment terminal comprises two modules: a secure payment module and a mobile payment module, wherein the two modules are encapsulated respectively and independently and then are connected. More specifically, the secure payment module comprises a keyboard, a display screen, a magnetic card reader, an IC card read-write device, and a printed circuit board; and the mobile payment module consists of a keyboard, a main display screen, a non-contact IC card read-write device, a wireless communication module, a printing module, a telephone module and a printed circuit board. Moreover, the secure payment module and the mobile payment module are provided with identification communication modules; the secure payment module can be connected to an existing mobile payment terminal; and the mobile payment module can be connected to a financial POS machine. According to the invention, security certification is only required by the secure payment module; not only can the secure payment module and the mobile payment module be used in combination in an on-line mode, but also the secure payment module can be used separately in combination with an existing mobile payment terminal in an on-line mode and the mobile payment module can be used separately in combination with an existing financial POS machine in an on-line mode.
Description
Technical field
The present invention relates to financial payment terminal machine technology field, relate in particular to payment terminal and the method for payment thereof of a kind of secure payment and the detachable combination of mobile payment.
Background technology
The Payment Card paying of swiping the card waits non-cash transaction payment to become the most convenient, efficient payment transaction mode at present, and the swipe the card basis of paying payment transaction of Payment Card is the safety that will ensure transaction, in order to ensure the safety of transaction, set up in the world payment card industry safety standard, payment card industry (PCI:Payment Card Industry) data security standard (DSS:Data Security Standard) is the Payment Card safety standard of current specialty the most extensive accreditation and the use that has obtained industry.The payment card industry safety standard council is to provide payment card industry data security standard (PCI DSS), it is global that PCI PIN code input equipment (PED) safety requirements and payment program data security standard (PA-DSS) are managed, open industry standard mechanism, it is responsible for the equipment using while paying to swiping the card, software etc. carry out safety certification, to improve the safety of the payment transaction of swiping the card, the traction equipment of the paying apparatus manufacturers produce of swiping the card all will could use through the safety certification of payment card industry safety standard, the safety certification of payment card industry safety standard requires strict, formality complexity, somewhat expensive, authentication period is long, and if financial POS machine, Mobile payment terminal has the change in design of carrying out, it must re-start certification, even if be only the outward appearance that does not wherein relate to financial transaction, phone module, print modules etc. are done change in design, also need complete machine to re-start certification.
Except Payment Card is swiped the card paying, in recent years it is more and more universal that mobile payment also becomes, along with Payment Card is swiped the card and is paid and the development of mobile payment service, on market, more and more need to have concurrently to swipe the card and pay and the financial transaction terminal of mobile payment function, but exist on the market at present the more financial POS machine only with function of swiping card and some only to have a Mobile payment terminal of mobile phone mobile payment function, owing to being subject to the restriction of payment card industry safety standard safety certification, financial POS machine, the products such as Mobile payment terminal to design and develop difficulty large, cycle is long, cost of development is very high, prior art can not become existing user financial POS machine the financial transaction terminal that simultaneously possessing the paying of swiping the card and mobile payment function with Mobile payment terminal upgrading, user must again buy that possessing new time swipes the card and pays and the financial transaction terminal of mobile payment function just can meet the demands, will greatly increase cost.
Summary of the invention
The object of the invention is to provide one to be possessed to swipe the card and pays and mobile payment function, and swipes the card and pay and mobile payment function can both be separately and the secure payment that is used in combination of existing financial POS machine or existing Mobile payment terminal and payment terminal and the method for payment thereof of the detachable combination of mobile payment.
The present invention adopts following scheme to realize: the payment terminal of secure payment and the detachable combination of mobile payment, it comprises two connected secure payment module and mobile payment modules again after individual packages separately, described secure payment module comprises the keyboard relevant to secure payment, display screen, magnetic card reader, IC-card read write line and printed circuit board (PCB), described mobile payment module comprises the keyboard relevant to mobile payment, main display, contact IC card reader, wireless communication module, print module, phone module and printed circuit board (PCB), this wireless communication module is the main control module in mobile payment module, in described secure payment module and mobile payment module, be provided with interconnective identification communication module, in the identification communication module of described secure payment module, be provided with the circuit that identification connects existing Mobile payment terminal, in the identification communication module of described mobile payment module, be provided with the circuit that identification connects financial POS machine.
Identification communication module in described secure payment module and mobile payment module comprises TTL or RS-232 or USB communicating circuit.
Identification communication module in described secure payment module and mobile payment module comprises short-distance wireless communication module.
The communication frequency of described short-distance wireless communication module is the one in 315MHz, 433MHz, 868MHz, 915MHz or 2.4GHz.
IC-card read write line in described secure payment module and identification communication module are arranged on a printed circuit board (PCB), and printed circuit board (PCB) is connected with keyboard, display screen, magnetic card reader again.
Contact IC card reader, wireless communication module and communication module in described mobile payment module is arranged on a printed circuit board (PCB).
In described mobile payment module, be also provided with for client check information from display screen.
The method of payment of the payment terminal of described secure payment and the detachable combination of mobile payment, it comprises the steps:
In the time that needs are swiped the card paying, described method of payment comprises: step 01: secure payment module is connected with mobile payment module or existing Mobile payment terminal, on magnetic card reader in secure payment module or IC-card read write line, swipe the card, card using information is presented on the display screen in secure payment module, selects on the keyboard of secure payment module, input Transaction Information, password and confirm after the trading item on display screen; Step 02: secure payment module is connected the Transaction Information that transmits encryption with mobile payment module or existing Mobile payment terminal communication, mobile payment module or existing Mobile payment terminal send to transaction bank backstage by wireless communication module by the Transaction Information of the encryption of receiving, then receive the transaction data that bank backstage is returned, mobile payment module or existing Mobile payment terminal return to Transaction Information secure payment module again and show; Step 03: mobile payment module or existing Mobile payment terminal show, print transaction information, complete transaction;
In the time that on-line transaction is carried out in needs mobile payment, described method of payment comprises: step 01: mobile payment module is connected with secure payment module or financial POS machine, on the contact IC card reader of mobile payment module, read mobile payment card, option dealing project in mobile payment module, mobile payment module sends information to secure payment module or financial POS machine, then on the keyboard of secure payment module or financial POS machine, inputs Transaction Information, password and confirms; Step 02: secure payment module or financial POS machine are by the Transaction Information passback mobile payment module of encrypting, mobile payment module sends to transaction bank backstage by wireless communication module by the Transaction Information of receiving encryption, then receive the transaction data that bank backstage is returned, mobile payment module Transaction Information is returned to secure payment module again or financial POS machine shows; Step 03: mobile payment module shows, print transaction information, completes transaction;
Carry out off line while withholing when needs mobile payment, described method of payment only need read mobile payment card on the contact IC card reader of mobile payment module, and the Transaction Information of mobile payment is presented at main display in mobile payment module and from display screen.
The invention has the beneficial effects as follows: adopt said structure, secure payment function in payment terminal and mobile payment function are made to two independently structures, only have secure payment module to relate to payment card transaction, it need to carry out the safety certification of payment card industry safety standard, and mobile payment module does not need safety certification, can reduce certification cost, and the change of mobile payment module is also more easy, secure payment module in payment terminal of the present invention and mobile payment module not only can together with online being used in combination, and secure payment module also can be separately and online being used in combination of the existing existing Mobile payment terminal of user, mobile payment module also can be separately and online being used in combination of the existing financial POS machine of user, can be easily for user provides the payment terminal that possesses secure payment and mobile payment, can make full use of the existing financial POS machine of user or existing Mobile payment terminal, make user spend lower cost just can expand the function of financial POS machine or Mobile payment terminal.
Brief description of the drawings
Now by reference to the accompanying drawings the present invention is further elaborated:
Fig. 1 is the structural representation of the payment terminal of secure payment of the present invention and the detachable combination of mobile payment;
Fig. 2 is the connection diagram of secure payment module of the present invention and existing Mobile payment terminal;
Fig. 3 is the connection diagram of mobile payment module of the present invention and financial POS machine.
Embodiment
As shown in Figure 1 to Figure 3, the present invention includes two connected secure payment module 1 and mobile payment modules 2 again after individual packages separately, described secure payment module 1 comprises the keyboard relevant to secure payment 11, display screen 12, magnetic card reader 13, IC-card read write line 14 and printed circuit board (PCB) 15, described mobile payment module 2 comprises the keyboard relevant to mobile payment 21, main display 22, contact IC card reader 23, wireless communication module 24, print module 25, phone module 26 and printed circuit board (PCB) 27, this wireless communication module 24 is the main control module in mobile payment module 2, in described secure payment module 1 and mobile payment module 2, be provided with interconnective identification communication module 16 and 28, in the identification communication module 16 of described secure payment module 1, be provided with the circuit 161 that identification connects existing Mobile payment terminal 3, in the identification communication module 28 of described mobile payment module 2, be provided with the circuit 281 that identification connects financial POS machine 4.
Identification communication module 16,28 in described secure payment module 1 and mobile payment module 2 comprises TTL or RS-232 or USB communicating circuit.
Identification communication module 16,28 in described secure payment module 1 and mobile payment module 2 comprises short-distance wireless communication module.
The communication frequency of described short-distance wireless communication module is the one in 315MHz, 433MHz, 868MHz, 915MHz or 2.4GHz, adopts GSM or 3G wireless communication module.
IC-card read write line 14 in described secure payment module 1 and identification communication module 16 are arranged on a printed circuit board (PCB) 15, and printed circuit board (PCB) 17 is connected with keyboard 11, display screen 12, magnetic card reader 13 again.
Contact IC card reader 23, wireless communication module 24 and communication module 28 in described mobile payment module 2 are arranged on a printed circuit board (PCB) 27.
In described mobile payment module 2, be also provided with for client check information from display screen 29.
The method of payment of the payment terminal of described secure payment and the detachable combination of mobile payment, it comprises the steps:
In the time that needs are swiped the card paying, described method of payment comprises: step 01: secure payment module 1 is connected with mobile payment module 2 or existing Mobile payment terminal 3, on magnetic card reader 13 in secure payment module 1 or IC-card read write line 14, swipe the card, card using information is presented on the display screen 12 in secure payment module 1, selects on the keyboard 11 of secure payment module 1, input Transaction Information, password and confirm after the trading item on display screen 12; Step 02: secure payment module 1 is connected the Transaction Information that transmits encryption with mobile payment module 2 or 3 communications of existing Mobile payment terminal, mobile payment module 2 or existing Mobile payment terminal 3 send to transaction bank backstage by wireless communication module by the Transaction Information of the encryption of receiving, then receive the transaction data that bank backstage is returned, mobile payment module 2 or existing Mobile payment terminal 3 return to Transaction Information secure payment module 1 again and show; Step 03: mobile payment module 2 or existing Mobile payment terminal 3 show, print transaction information, complete transaction;
In the time that on-line transaction is carried out in needs mobile payment, described method of payment comprises: step 01: mobile payment module 2 is connected with secure payment module 1 or financial POS machine 4, on the contact IC card reader 23 of mobile payment module 2, read mobile payment card, option dealing project in mobile payment module 2, mobile payment module 2, to secure payment module 1 or financial POS machine 4 transmission information, is then inputted Transaction Information, password and confirms on the keyboard of secure payment module 1 or financial POS machine 4; Step 02: secure payment module 1 or financial POS machine 4 are by the Transaction Information passback mobile payment module 2 of encrypting, mobile payment module 2 sends to transaction bank backstage by wireless communication module by the Transaction Information of receiving encryption, then receive the transaction data that bank backstage is returned, mobile payment module 2 again Transaction Information is returned to secure payment module 1 or financial POS machine 4 shows; Step 03: mobile payment module 2 shows, print transaction information, completes transaction;
When needs mobile payment is carried out off line while withholing, described method of payment only need read mobile payment card on the contact IC card reader of mobile payment module 2 23, and the Transaction Information of mobile payment is presented at main display 22 in mobile payment module 2 and from display screen 29.
Secure payment module 1 can be designed to Telephone handset pattern, and mobile payment module 2 can be designed to phone base press proof machine, is convenient to be designed to the unitized construction of outward appearance grace.
Claims (7)
1. the payment terminal of secure payment and the detachable combination of mobile payment, it is characterized in that: it comprises two connected secure payment module and mobile payment modules again after individual packages separately, described secure payment module comprises the keyboard relevant to secure payment, display screen, magnetic card reader, IC-card read write line and printed circuit board (PCB), described mobile payment module comprises the keyboard relevant to mobile payment, main display, contact IC card reader, wireless communication module, print module, phone module and printed circuit board (PCB), this wireless communication module is the main control module in mobile payment module, in described secure payment module and mobile payment module, be provided with interconnective identification communication module, in the identification communication module of described secure payment module, be provided with the circuit that identification connects existing Mobile payment terminal, in the identification communication module of described mobile payment module, be provided with the circuit that identification connects financial POS machine, contact IC card reader in described mobile payment module, wireless communication module and communication module are arranged on a printed circuit board (PCB).
2. the payment terminal of secure payment according to claim 1 and the detachable combination of mobile payment, is characterized in that: the identification communication module in described secure payment module and mobile payment module comprises TTL or RS-232 or USB communicating circuit.
3. the payment terminal of secure payment according to claim 1 and the detachable combination of mobile payment, is characterized in that: the identification communication module in described secure payment module and mobile payment module comprises short-distance wireless communication module.
4. the payment terminal of secure payment according to claim 3 and the detachable combination of mobile payment, is characterized in that: the communication frequency of described short-distance wireless communication module is the one in 315MHz, 433MHz, 868MHz, 915MHz or 2.4GHz.
5. the payment terminal of secure payment according to claim 1 and the detachable combination of mobile payment, it is characterized in that: the IC-card read write line in described secure payment module and identification communication module are arranged on a printed circuit board (PCB), and printed circuit board (PCB) is connected with keyboard, display screen, magnetic card reader again.
6. the payment terminal of secure payment according to claim 1 and the detachable combination of mobile payment, is characterized in that: in described mobile payment module, be also provided with for client check information from display screen.
7. the method for payment of the payment terminal of secure payment according to claim 1 and the detachable combination of mobile payment, is characterized in that: it comprises the steps:
In the time that needs are swiped the card paying, described method of payment comprises: step 01: secure payment module is connected with mobile payment module or existing Mobile payment terminal, on magnetic card reader in secure payment module or IC-card read write line, swipe the card, card using information is presented on the display screen in secure payment module, selects on the keyboard of secure payment module, input Transaction Information, password and confirm after the trading item on display screen; Step 02: secure payment module is connected the Transaction Information that transmits encryption with mobile payment module or existing Mobile payment terminal communication, mobile payment module or existing Mobile payment terminal send to transaction bank backstage by wireless communication module by the Transaction Information of the encryption of receiving, then receive the transaction data that bank backstage is returned, mobile payment module or existing Mobile payment terminal return to Transaction Information secure payment module again and show; Step 03: mobile payment module or existing Mobile payment terminal show, print transaction information, complete transaction;
In the time that on-line transaction is carried out in needs mobile payment, described method of payment comprises: step 01: mobile payment module is connected with secure payment module or financial POS machine, on the contact IC card reader of mobile payment module, read mobile payment card, option dealing project in mobile payment module, mobile payment module sends information to secure payment module or financial POS machine, then on the keyboard of secure payment module or financial POS machine, inputs Transaction Information, password and confirms; Step 02: secure payment module or financial POS machine are by the Transaction Information passback mobile payment module of encrypting, mobile payment module sends to transaction bank backstage by wireless communication module by the Transaction Information of receiving encryption, then receive the transaction data that bank backstage is returned, mobile payment module Transaction Information is returned to secure payment module again or financial POS machine shows; Step 03: mobile payment module shows, print transaction information, completes transaction;
Carry out off line while withholing when needs mobile payment, described method of payment only need read mobile payment card on the contact IC card reader of mobile payment module, and the Transaction Information of mobile payment is presented at main display in mobile payment module and from display screen.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201110034174.6A CN102622828B (en) | 2011-02-01 | 2011-02-01 | Payment terminal capable of realization of splittable combination of secure payment and mobile payment and payment method thereof |
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| CN201110034174.6A CN102622828B (en) | 2011-02-01 | 2011-02-01 | Payment terminal capable of realization of splittable combination of secure payment and mobile payment and payment method thereof |
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| CN102622828A CN102622828A (en) | 2012-08-01 |
| CN102622828B true CN102622828B (en) | 2014-12-10 |
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| CN102867376B (en) * | 2012-08-03 | 2016-03-16 | 易联支付有限公司 | A kind of interactive voice answering method of payment, terminal and system |
| CN102831738A (en) * | 2012-08-31 | 2012-12-19 | 汇付天下有限公司 | Mobile card swiping unit, mobile payment system and method |
| CN104200357A (en) * | 2014-08-22 | 2014-12-10 | 安徽云盾信息技术有限公司 | Mobile payment POS (Point Of Sale) and payment method |
| CN111260343B (en) * | 2014-12-24 | 2023-07-07 | 创新先进技术有限公司 | Information authentication method, device and system based on confirmation code |
| CN104952162A (en) * | 2015-07-20 | 2015-09-30 | 上海行哲信息技术有限公司 | Integrated financial security device |
| WO2017031751A1 (en) * | 2015-08-27 | 2017-03-02 | 深圳市华阳信通科技发展有限公司 | Smart terminal for payment receiving system |
| CN105761389B (en) * | 2016-02-02 | 2018-04-20 | 上海动联信息技术股份有限公司 | A kind of intelligent POS machine of full tunnel |
| TWI680416B (en) * | 2017-06-23 | 2019-12-21 | 神雲科技股份有限公司 | Credit card system with data protection function |
| CN107463381A (en) * | 2017-08-03 | 2017-12-12 | 福建新大陆支付技术有限公司 | One kind is transformed into non-connection function method for the early stage non-non- POS that connects of standard configuration |
| CN107516206A (en) * | 2017-08-10 | 2017-12-26 | 清远网软网络科技有限公司 | A kind of payment system in tourist net store |
| CN107862519A (en) * | 2017-11-29 | 2018-03-30 | 努比亚技术有限公司 | Safety of payment authentication method, mobile terminal and storage medium |
| CN108108600A (en) * | 2017-12-28 | 2018-06-01 | 努比亚技术有限公司 | Double screen safe verification method, mobile terminal and computer readable storage medium |
| CN110874735A (en) * | 2018-09-01 | 2020-03-10 | 昆山炫生活信息技术股份有限公司 | Payment device and payment method based on block chain technology |
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| US6654378B1 (en) * | 1992-03-18 | 2003-11-25 | Broadcom Corp. | Transaction control system including portable data terminal and mobile customer service station |
| CN1479551A (en) * | 2003-06-03 | 2004-03-03 | �����ɷ� | Method of mobile terminal payment and its system |
| CN101615322B (en) * | 2008-06-25 | 2012-09-05 | 上海富友金融网络技术有限公司 | Mobile terminal payment method and mobile terminal payment system for realizing magnetic payment function |
| CN101741956A (en) * | 2009-09-25 | 2010-06-16 | 李镇波 | Mobile phone |
| CN201936395U (en) * | 2011-02-01 | 2011-08-17 | 福建新大陆电脑股份有限公司 | Payment terminal capable of dividing and recombining safe payment and movable payment |
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