CN102750632A - Data processing method and relevant payment terminal - Google Patents
Data processing method and relevant payment terminal Download PDFInfo
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- CN102750632A CN102750632A CN2012101874066A CN201210187406A CN102750632A CN 102750632 A CN102750632 A CN 102750632A CN 2012101874066 A CN2012101874066 A CN 2012101874066A CN 201210187406 A CN201210187406 A CN 201210187406A CN 102750632 A CN102750632 A CN 102750632A
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Abstract
An embodiment of the invention discloses a data processing method and a relevant payment terminal. The method and the terminal are used for providing convenient online transaction services for users without setting of online banking of bank cards. The method comprises that a computer receives a business order sent by a network payment platform, and the business order contains cost information of a networked transaction; when the computer receives a payment instruction, a payment indicating signal is generated according to the cost information, and the payment indicating signal is sent to a point-of-sale accessory; when the point-of-sale accessory receives a card reading instruction, information of a payment card is read according to the payment indicating signal, and the information of the payment card is sent to the computer; and the computer generates transaction data according to the information of the payment card and the cost information and sends the transaction data to the network payment platform.
Description
It is 201210160870.6 and 201210160921.5 that the application requires to submit Patent Office of the People's Republic of China, application number on May 22nd, 2012; Denomination of invention is respectively the right of priority of the one Chinese patent application of " based on the data processing method and the relevant payment terminal of portable terminal " and " computer based data processing method and relevant payment terminal ", and its full content combines in this application by reference.
Technical field
The present invention relates to electronic device field, relate in particular to a kind of data processing method and payment terminal.
Background technology
Carry out in the process of online transaction the user; If user's bank card is not provided with Web bank; Then can't carry out online transaction, the mode that can only select to cash on delivery is settled accounts, because the payment time of the mode of cashing on delivery was determined by the arrival time; Whether possess the payment terms (whether have bank card or have enough cashes) when the user can not guarantee arrival, increased the complexity of transaction flow to a certain extent.
At present, businessman to accomplish electronics gathering must be with high cost and point of sale (POS, the Point of sales) machine of elaborate formalities to payment mechanism application heaviness.The POS machine all will connect telephone wire usually and be connected to payment mechanism through dial mode.The payer uses credit card on the POS machine, to swipe the card, the input trading password, and the POS machine is sent to card sending mechanism with encrypted transaction data and carries out transaction processing, prints sales slip then, and the payer signs on sales slip, accomplishes transaction.
But existing POS machine is the means of account settlement of seller normally, and the convenience of speedy clearance can not be provided for consumption user.
Summary of the invention
The embodiment of the invention provides a kind of data processing method and relevant payment terminal, is used to the user that bank card is not provided with Web bank on-net transactions easily are provided.
Data processing method provided by the invention comprises: computing machine or portable terminal receive the service order that the network payment platform sends, and said service order includes the cost information of network trading; When said computing machine or portable terminal are received payment instruction, generate the payment indicator signal according to said cost information, and send said payment indicator signal to the annex of swiping the card; When the said annex of swiping the card is received Card Reader when instruction, read the information of Payment Card according to said payment indicator signal, and the information of sending said Payment Card to said computing machine or portable terminal; Said computing machine or portable terminal generate transaction data according to the information and the said cost information of said Payment Card, and send said transaction data to said network payment platform.
Payment terminal provided by the invention comprises: the computing machine and the annex of swiping the card; Said computing machine is used to receive the service order that network-side is sent, and said service order includes the cost information of network trading, generates the payment indicator signal according to said cost information, and sends said payment indicator signal to the said annex of swiping the card; Receive the information of the Payment Card that the said annex of swiping the card sends, generate transaction data according to the information and the said cost information of said Payment Card, and transmit said transaction data to said network payment platform; The said annex of swiping the card is used to receive the said payment indicator signal that said computing machine sends, and reads the information of Payment Card according to said payment indicator signal, and sends the information of said Payment Card to said computing machine.
Payment terminal provided by the invention comprises: the portable terminal and the annex of swiping the card; Said portable terminal is used to receive the service order that network-side is sent, and said service order includes the cost information of network trading, generates the payment indicator signal according to said cost information, and sends said payment indicator signal to the said annex of swiping the card; Receive the information of the Payment Card that the said annex of swiping the card sends, generate transaction data according to the information and the said cost information of said Payment Card, and transmit said transaction data to said network payment platform; The said annex of swiping the card is used to receive the said payment indicator signal that said portable terminal sends, and reads the information of Payment Card according to said payment indicator signal, and sends the information of said Payment Card to said portable terminal.
Can find out from above technical scheme; The embodiment of the invention has the following advantages: computing machine of the present invention can receive the service order that the network payment platform sends; When the user confirms to pay said service order; Send payment instruction to said computing machine, then said computing machine generates the payment indicator signal according to said cost information, and sends said payment indicator signal to the annex of swiping the card; After the user accomplishes the operation of swiping the card; The Card Reader instruction is received in said meeting; And read the information of Payment Card according to said payment indicator signal, and the information of sending said Payment Card to said computing machine, said computing machine generates transaction data according to the information and the said cost information of said Payment Card; And send said transaction data to said network payment platform, accomplish the transaction flow of swiping the card of computing machine; The embodiment of the invention combines network trading with the payment of swiping the card; Information such as communication network transport service order through computing machine and transaction data; The user who makes bank card that Web bank is not set can accomplish the payment of network trading through the computing machine and the annex of swiping the card; For a new modes of payments is provided, convenience is provided for the user carries out network trading.
Description of drawings
Fig. 1 is a schematic flow sheet of embodiment of the invention data processing method;
Fig. 2 is another schematic flow sheet of embodiment of the invention data processing method;
Fig. 3 is a signaling process figure of embodiment of the invention data processing method;
Fig. 4 is another signaling process figure of embodiment of the invention data processing method;
Fig. 5 is the logical organization synoptic diagram of a payment terminal in the embodiment of the invention;
Fig. 6 is another schematic flow sheet of embodiment of the invention data processing method;
Fig. 7 is another schematic flow sheet of embodiment of the invention data processing method;
Fig. 8 is another signaling process figure of embodiment of the invention data processing method;
Fig. 9 is another signaling process figure in addition of embodiment of the invention data processing method;
Figure 10 is the logical organization synoptic diagram of another payment terminal in the embodiment of the invention.
Embodiment
The embodiment of the invention provides data processing method and relevant payment terminal, is used to the user that bank card is not provided with Web bank on-net transactions easily are provided.
See also Fig. 1, one embodiment comprises of computer based data processing method in the embodiment of the invention:
101, computing machine receives the service order that the network payment platform sends;
Computing machine receives the service order that the network payment platform sends, and said service order includes the cost information of network trading.
Said network payment platform is the server of operator in network-side, and the user has bought after the commodity on the net, can select clearing form, as: Web bank, Alipay, wealth are paid logical or are cashed on delivery; Network payment platform in the embodiment of the invention is with regard to payment platforms such as similar above-mentioned Web bank, Alipay, wealth Fu Tong, and the network payment Platform Implementation is the function of swiping the card and paying.
Said service order is bought the trading order form of being produced behind the commodity on the net for the user; Consist predominantly of the cost information that this exchange produces; The product information (product of what type, color, net weight etc.) and the Transaction Information (exchange hour, transaction merchant, transaction terms etc.) that wherein, can also include these commodity.
102, computing machine generates the payment indicator signal according to said cost information;
After computing machine receives said service order; The information that can show said service order to the user; When the user confirms to pay the pairing transaction of said service order, send payment instruction (specifically can confirm payment) to computing machine, when said computing machine is received payment instruction for clicking; Generate the payment indicator signal according to said cost information, and send said payment indicator signal to the annex of swiping the card.
103, computing machine reads the information of Payment Card according to said payment indicator signal;
After the annex of swiping the card received said payment indicator signal message, the annex of swiping the card can be pointed out the user operation of swiping the card through the mode of pilot lamp, sound or vibrations; When the user swipes the card operation; The annex of swiping the card can receive Card Reader instruction (specifically can be swipe the card annex detect Payment Card be in swipe the card mouthful); Read the information of Payment Card according to said payment indicator signal, and send the information of said Payment Card to said computing machine.
Optional, Payment Card can for bank card (as, debit card or credit card), or have the storage card (like, integrated circuit card) of payment function.
104, computing machine generates transaction data according to the information and the said cost information of said Payment Card.
Computing machine generates transaction data according to the information and the said cost information of said Payment Card, and sends said transaction data to said network payment platform.
Concrete, computing machine is received after the information of said Payment Card, according to the security algorithm that presets the information and the said cost information of said Payment Card is encrypted, and generates the corresponding transaction data of said service order.
Computing machine of the present invention can receive the service order that the network payment platform sends; When the user confirms to pay said service order; Send payment instruction to said computing machine; Then said computing machine generates the payment indicator signal according to said cost information, and sends said payment indicator signal to the annex of swiping the card; After the user accomplishes the operation of swiping the card; The Card Reader instruction is received in said meeting; And read the information of Payment Card according to said payment indicator signal, and the information of sending said Payment Card to said computing machine, said computing machine generates transaction data according to the information and the said cost information of said Payment Card; And send said transaction data to said network payment platform, accomplish the transaction flow of swiping the card of computing machine; The embodiment of the invention combines network trading with the payment of swiping the card; Information such as communication network transport service order through computing machine and transaction data; The user who makes bank card that Web bank is not set can accomplish the payment of network trading through the computing machine and the annex of swiping the card; For a new modes of payments is provided, convenience is provided for the user carries out network trading.
Carry out detailed description in the face of computer based data processing method provided by the invention down, see also Fig. 2, another embodiment of computer based data processing method comprises in the embodiment of the invention:
201, computing machine establishes a communications link according to the account and the network payment platform of user's input; In practical application, in the computing machine client that is complementary with the network payment platform can be installed, the user can use the account that obtains after the registration on client, to login after said network payment platform is accomplished registration; The user after the user selects the modes of payments of the present invention, jumps to current interface according to the modes of payments of user's selection the interface of payment gateway when carrying out network trading; After the user imported account, computing machine obtained the account of user's input, and established a communications link according to the account and the network payment platform of user's input.Optional, account specifically can comprise username and password.
202, computing machine receives the service order that the network payment platform sends;
In practical application; After the commodity that the user has selected to need to buy in network; The user can select network payment platform of the present invention (being the mode that computing machine is swiped the card and paid) to pay; Then said network payment platform generates this commodity corresponding service order, and sends said service order to the target account number.
The account that uses said target account number the user is after computer log, and computing machine and said network payment platform establish a communications link, and computing machine can receive that said network payment platform sends to the service order of said target account number.
Said network payment platform is the server of operator in network-side, and the user has bought after the commodity on the net, can select clearing form, as: Web bank, Alipay, wealth are paid logical or are cashed on delivery; Network payment platform in the embodiment of the invention is with regard to payment platforms such as similar above-mentioned Web bank, Alipay, wealth Fu Tong, and the network payment Platform Implementation is the function of swiping the card and paying.
Said service order is bought the trading order form of being produced behind the commodity on the net for the user; Consist predominantly of the cost information that this exchange produces; The product information (product of what type, color, net weight etc.) and the Transaction Information (exchange hour, transaction merchant, transaction terms etc.) that wherein, can also include these commodity.
203, computing machine generates the payment indicator signal according to said cost information;
After computing machine receives said service order; The information that can show said service order to the user; When the user confirms to pay the pairing transaction of said service order, send payment instruction (specifically can confirm payment) to computing machine, when said computing machine is received payment instruction for clicking; Generate the payment indicator signal according to said cost information, and send said payment indicator signal to the annex of swiping the card.
204, computing machine reads the information of Payment Card according to said payment indicator signal;
After the annex of swiping the card received said payment indicator signal message, the annex of swiping the card can be pointed out the user operation of swiping the card through the mode of pilot lamp, sound or vibrations; When the user swipes the card operation; The annex of swiping the card can receive Card Reader instruction (specifically can be swipe the card annex detect Payment Card be in swipe the card mouthful); Read the information of Payment Card according to said payment indicator signal, and send the information of said Payment Card to said computing machine.
Optional, Payment Card can for bank card (as, debit card or credit card), or have the storage card (like, integrated circuit card) of payment function.
Optional, if said Payment Card receives the protection of safety verification mechanism, the then said annex of swiping the card can send the prompting message of " input safety verification information " to said computing machine, and triggers step 205.
205, computing machine is according to the information of the Payment Card interface that obtains to user's output safety checking information;
If said Payment Card receives safety verification mechanism protection, then computing machine to the interface that obtains of user's output safety checking information, and obtains the safety verification information of user's input according to the information of Payment Card.
Concrete, safety verification mechanism can be cryptoguard mechanism, also can signature verification mechanism (as, pupil verification or finger-mark check); Be complementary with said safety verification mechanism, if cryptoguard is machine-processed, then said safety verification information is the character string of password; If signature verification is machine-processed, then said safety verification information is pupil or fingerprint.
206, computing machine generates transaction data according to the information and the cost information of said safety verification information, Payment Card.
Computing machine generates transaction data according to the information and the said cost information of said safety verification information, said Payment Card; And transmit said transaction data to said network payment platform; Make said network payment platform carry out safety verification to the information and the said safety verification information of said Payment Card according to security check logic; If the safety verification success, the pairing Transaction Success of then said service order; If safety verification then returns error message to computing machine.
207, the information of Computer Storage Transaction Success.
After confirming that the pairing transaction of said service order has been accomplished, said computing machine generates transaction record according to said transaction data and said merchandise news, and stores said transaction record.
The details that the user inquires about transaction whenever and wherever possible is convenient in the storage of computer transactions record, has improved user experience.
For the ease of understanding, with a concrete application scenarios computer based data processing method of describing in the above embodiments is described in detail again below, please refer to Fig. 3 and Fig. 4, be specially:
One, user's application for registration process:
301, the user installs payment client terminal on computers;
302, the user starts said payment client terminal, selects the option of " registration account number ";
303, the user input e-mail address that is used to receive bill is as swiping the card payment account, and the input login password;
304, the user selects bank and specifies a bank account to be used for gathering;
305, the user fills in address, and the annex of swiping the card is posted in application.
306, log-on data sends to the network payment platform, succeeds in registration.
Two, the computing machine gathering process of swiping the card:
401, user's annex of will swiping the card inserts the computing machine socket;
402, the user starts the payment client terminal of installing in the computing machine;
403, swipe the card payment account and login password of user input logined;
404, login successfully;
405, the user selects " waiting to collect money " option;
406, computing machine shows the service order in " waiting to collect money " option to the user;
407, the user confirms to pay said service order;
408, computer prompted is swiped the card;
409, the payer brushes credit card on the annex of swiping the card;
410, the annex of swiping the card reads credit card information and carries out conversion of signals, is sent to computing machine through interface, and computing machine is discerned and handled signal;
411, the present the bill for payment people imports trading password;
412, the payer imports trading password;
413, prompting signature;
414, the payer accomplishes the screen signature;
415, payment client terminal carries out encryption to transaction data, and is sent to the network payment platform through the mobile network and carries out transaction processing.Fund changes user appointed bank account over to;
416, payment client terminal is received transaction results, and transaction is accomplished.
Only the application scenarios in the embodiment of the invention is illustrated above, it is understandable that, in practical application, the more applications scene can also be arranged, specifically do not limit here with some examples.
Down the embodiment in the face of the payment terminal of the present invention that is used to carry out above-mentioned data processing method based on portable terminal describes, and its logical organization please refer to Fig. 5, one embodiment comprises of payment terminal in the embodiment of the invention:
The computing machine 501 and the annex 502 of swiping the card;
Exemplary, the annex 502 of swiping the card can insert said computing machine 501 through the USB interface of computing machine 501.
Said computing machine 501 is used to receive the service order that network-side is sent, and said service order includes the cost information of network trading, generates the payment indicator signal according to said cost information, and sends said payment indicator signal to the said annex of swiping the card; Receive the information of the Payment Card that the said annex of swiping the card sends, generate transaction data according to the information and the said cost information of said Payment Card, and transmit said transaction data to said network payment platform;
The said annex 502 of swiping the card is used to receive the said payment indicator signal that said computing machine sends, and reads the information of Payment Card according to said payment indicator signal, and sends the information of said Payment Card to said computing machine.
Optional, the computing machine 501 of the embodiment of the invention comprises:
Jump-transfer unit 5011, communication linkage unit 5012, receiving element 5013, payment indicating member 5014, transmission of transaction data unit 5015;
Said jump-transfer unit 5011 is used for according to the modes of payments that the user selects current interface being jumped to the interface of payment gateway;
Said communication linkage unit 5012 is used to obtain the account of user's input, and establishes a communications link according to the account and the said network payment platform of user's input;
Said receiving element 5013 is used to receive the service order that network-side is sent, and said service order includes the cost information of network trading;
Said payment indicating member 5014 is used for generating the payment indicator signal according to said cost information, and sends said payment indicator signal to the said annex 502 of swiping the card;
Said transmission of transaction data unit 5015 is used to receive the information of the Payment Card that the said annex of swiping the card sends, and generates transaction data according to the information and the said cost information of said Payment Card, and transmits said transaction data to said network payment platform.
Optional, the computing machine 501 of the embodiment of the invention also comprises:
Said transmission of transaction data unit 5015 also is used for generating transaction data according to the information of said safety verification information, said Payment Card and said cost information; And transmit said transaction data to said network payment platform, make said network payment platform carry out safety verification to the information and the said safety verification information of said Payment Card according to security check logic.
The exchange process of each unit of payment terminal comprises in the embodiment of the invention:
The communication linkage unit 5012 of computing machine 501 establishes a communications link according to the account and the network payment platform of user's input; In practical application; In the computing machine client that is complementary with the network payment platform can be installed; The user is after said network payment platform is accomplished registration; Can use the account that obtains after the registration on client, to login, computing machine establishes a communications link according to the account and the network payment platform of user's input.Optional, account specifically can comprise username and password.
The receiving element 5013 of computing machine 501 receives the service order that the network payment platform sends, and said service order includes the cost information of network trading.
In practical application; After the commodity that the user has selected to need to buy in network; The user can select network payment platform of the present invention (being the mode that computing machine is swiped the card and paid) to pay; Then said network payment platform generates this commodity corresponding service order, and sends said service order to the target account number.
The account that uses said target account number the user is after computer log, and computing machine and said network payment platform establish a communications link, and computing machine can receive that said network payment platform sends to the service order of said target account number.
Said network payment platform is the server of operator in network-side, and the user has bought after the commodity on the net, can select clearing form, as: Web bank, Alipay, wealth are paid logical or are cashed on delivery; Network payment platform in the embodiment of the invention is with regard to payment platforms such as similar above-mentioned Web bank, Alipay, wealth Fu Tong, and the network payment Platform Implementation is the function of swiping the card and paying.
Said service order is bought the trading order form of being produced behind the commodity on the net for the user; Consist predominantly of the cost information that this exchange produces; The product information (product of what type, color, net weight etc.) and the Transaction Information (exchange hour, transaction merchant, transaction terms etc.) that wherein, can also include these commodity.
The payment indicating member 5014 of computing machine 501 generates the payment indicator signal according to said cost information, and sends said payment indicator signal to the said annex 502 of swiping the card;
After receiving said service order; The information that can show said service order to the user; When the user confirms to pay the pairing transaction of said service order, send payment instruction (specifically can confirm payment) to computing machine, when said computing machine is received payment instruction for clicking; Generate the payment indicator signal according to said cost information, and send said payment indicator signal to the annex of swiping the card.
After the annex 502 of swiping the card received said payment indicator signal message, the annex 502 of swiping the card can be pointed out the user operation of swiping the card through the mode of pilot lamp, sound or vibrations; When the user swipes the card operation; The annex 502 of swiping the card can receive Card Reader instruction (specifically can be swipe the card annex detect Payment Card be in swipe the card mouthful); Read the information of Payment Card according to said payment indicator signal, and send the information of said Payment Card to said computing machine.Optional, Payment Card can for bank card (as, debit card or credit card), or have the storage card (like, integrated circuit card) of payment function.
If said Payment Card receives safety verification mechanism protection, then safety verification unit 5015 to the interface that obtains of user's output safety checking information, and obtains the safety verification information of user's input according to the information of said Payment Card;
The transmission of transaction data unit 5015 of computing machine 501 generates transaction data according to the information and the said cost information of said safety verification information, said Payment Card; And transmit said transaction data to said network payment platform; Make said network payment platform carry out safety verification to the information and the said safety verification information of said Payment Card according to security check logic; If the safety verification success, the pairing Transaction Success of then said service order; If safety verification then returns error message to computing machine.
See also Fig. 6, one embodiment comprises based on the data processing method of portable terminal in the embodiment of the invention:
601, portable terminal receives the service order that the network payment platform sends;
Portable terminal receives the service order that the network payment platform sends, and said service order includes the cost information of network trading.
Said network payment platform is the server of operator in network-side, and the user has bought after the commodity on the net, can select clearing form, as: Web bank, Alipay, wealth are paid logical or are cashed on delivery; Network payment platform in the embodiment of the invention is with regard to payment platforms such as similar above-mentioned Web bank, Alipay, wealth Fu Tong, and the network payment Platform Implementation is the function of swiping the card and paying.
Said service order is bought the trading order form of being produced behind the commodity on the net for the user; Consist predominantly of the cost information that this exchange produces; The product information (product of what type, color, net weight etc.) and the Transaction Information (exchange hour, transaction merchant, transaction terms etc.) that wherein, can also include these commodity.
602, portable terminal generates the payment indicator signal according to said cost information;
After portable terminal receives said service order; The information that can show said service order to the user; When the user confirms to pay the pairing transaction of said service order, send payment instruction (specifically can confirm payment) to portable terminal, when said portable terminal is received payment instruction for clicking; Generate the payment indicator signal according to said cost information, and send said payment indicator signal to the annex of swiping the card.
603, portable terminal reads the information of Payment Card according to said payment indicator signal;
After the annex of swiping the card received said payment indicator signal message, the annex of swiping the card can be pointed out the user operation of swiping the card through the mode of pilot lamp, sound or vibrations; When the user swipes the card operation; The annex of swiping the card can receive Card Reader instruction (specifically can be swipe the card annex detect Payment Card be in swipe the card mouthful); Read the information of Payment Card according to said payment indicator signal, and send the information of said Payment Card to said portable terminal.
Optional, Payment Card can for bank card (as, debit card or credit card), or have the storage card (like, integrated circuit card) of payment function.
604, portable terminal generates transaction data according to the information and the said cost information of said Payment Card.
Portable terminal generates transaction data according to the information and the said cost information of said Payment Card, and sends said transaction data to said network payment platform.
Concrete, portable terminal is received after the information of said Payment Card, according to the security algorithm that presets the information and the said cost information of said Payment Card is encrypted, and generates the corresponding transaction data of said service order.
Portable terminal of the present invention can receive the service order that the network payment platform sends; When the user confirms to pay said service order; Send payment instruction to said portable terminal; Then said portable terminal generates the payment indicator signal according to said cost information, and sends said payment indicator signal to the annex of swiping the card; After the user accomplishes the operation of swiping the card; The Card Reader instruction is received in said meeting; And read the information of Payment Card according to said payment indicator signal, and the information of sending said Payment Card to said portable terminal, said portable terminal generates transaction data according to the information and the said cost information of said Payment Card; And send said transaction data to said network payment platform, accomplish the transaction flow of swiping the card of portable terminal; The embodiment of the invention combines network trading with the payment of swiping the card; Through information such as communications of Mobile Terminals Network Transmission service order and transaction data; The user who makes bank card that Web bank is not set can accomplish the payment of network trading through the portable terminal and the annex of swiping the card; For a new modes of payments is provided, convenience is provided for the user carries out network trading.
Carry out detailed description in the face of the data processing method based on portable terminal provided by the invention down, see also Fig. 7, another embodiment of the data processing method of portable terminal comprises in the embodiment of the invention:
701, portable terminal establishes a communications link according to the account and the network payment platform of user's input;
In practical application; In the portable terminal client that is complementary with the network payment platform can be installed; The user is after said network payment platform is accomplished registration; Can use the account that obtains after the registration on client, to login, portable terminal establishes a communications link according to the account and the network payment platform of user's input.
Optional, account specifically can comprise username and password.
702, portable terminal receives the service order that the network payment platform sends;
In practical application; After the commodity that the user has selected to need to buy in network; The user can select network payment platform of the present invention (being the mode that portable terminal is swiped the card and paid) to pay; Then said network payment platform generates this commodity corresponding service order, and sends said service order to the target account number.
The account that uses said target account number the user is after the portable terminal login, and portable terminal and said network payment platform establish a communications link, and portable terminal can receive that said network payment platform sends to the service order of said target account number.
Said network payment platform is the server of operator in network-side, and the user has bought after the commodity on the net, can select clearing form, as: Web bank, Alipay, wealth are paid logical or are cashed on delivery; Network payment platform in the embodiment of the invention is with regard to payment platforms such as similar above-mentioned Web bank, Alipay, wealth Fu Tong, and the network payment Platform Implementation is the function of swiping the card and paying.
Said service order is bought the trading order form of being produced behind the commodity on the net for the user; Consist predominantly of the cost information that this exchange produces; The product information (product of what type, color, net weight etc.) and the Transaction Information (exchange hour, transaction merchant, transaction terms etc.) that wherein, can also include these commodity.
703, portable terminal generates the payment indicator signal according to said cost information;
After portable terminal receives said service order; The information that can show said service order to the user; When the user confirms to pay the pairing transaction of said service order, send payment instruction (specifically can confirm payment) to portable terminal, when said portable terminal is received payment instruction for clicking; Generate the payment indicator signal according to said cost information, and send said payment indicator signal to the annex of swiping the card.
704, the annex of swiping the card reads the information of Payment Card according to said payment indicator signal;
After the annex of swiping the card received said payment indicator signal message, the annex of swiping the card can be pointed out the user operation of swiping the card through the mode of pilot lamp, sound or vibrations; When the user swipes the card operation; The annex of swiping the card can receive Card Reader instruction (specifically can be swipe the card annex detect Payment Card be in swipe the card mouthful); Read the information of Payment Card according to said payment indicator signal, and send the information of said Payment Card to said portable terminal.
Optional, Payment Card can for bank card (as, debit card or credit card), or have the storage card (like, integrated circuit card) of payment function.
Optional, if said Payment Card receives the protection of safety verification mechanism, the then said annex of swiping the card can send the prompting message of " input safety verification information " to said portable terminal, and triggers step 205.
705, portable terminal is according to the information of the Payment Card interface that obtains to user's output safety checking information;
If said Payment Card receives safety verification mechanism protection, then portable terminal to the interface that obtains of user's output safety checking information, and obtains the safety verification information of user's input according to the information of Payment Card.
Concrete, safety verification mechanism can be cryptoguard mechanism, also can signature verification mechanism (as, pupil verification or finger-mark check); Be complementary with said safety verification mechanism, if cryptoguard is machine-processed, then said safety verification information is the character string of password; If signature verification is machine-processed, then said safety verification information is pupil or fingerprint.
706, portable terminal generates transaction data according to the information and the cost information of said safety verification information, Payment Card;
Portable terminal generates transaction data according to the information and the said cost information of said safety verification information, said Payment Card; And transmit said transaction data to said network payment platform; Make said network payment platform carry out safety verification to the information and the said safety verification information of said Payment Card according to security check logic; If the safety verification success, the pairing Transaction Success of then said service order; If safety verification then returns error message to portable terminal.
707, the information of mobile terminal stores Transaction Success.
After confirming that the pairing transaction of said service order has been accomplished, said portable terminal generates transaction record according to said transaction data and said merchandise news, and stores said transaction record.
The details that the user inquires about transaction whenever and wherever possible is convenient in the storage of portable terminal transaction record, has improved user experience.
For the ease of understanding, with a concrete application scenarios data processing method of describing in the above embodiments based on portable terminal is described in detail again below, please refer to Fig. 8 and Fig. 9, be specially:
One, user's application for registration process:
801, the user installs payment client terminal on portable terminal;
802, the user starts said payment client terminal, selects the option of " registration account number ";
803, the user input e-mail address that is used to receive bill is as swiping the card payment account, and the input login password; Optional, can also bind portable terminal number;
804, the user selects bank and specifies a bank account to be used for gathering;
805, the user fills in address, and the annex of swiping the card is posted in application;
806, log-on data sends to the network payment platform, succeeds in registration.
Two, the portable terminal gathering process of swiping the card:
901, user's annex of will swiping the card inserts the portable terminal socket;
902, the user starts the payment client terminal of installing in the portable terminal;
903, swipe the card payment account and login password of user input logined;
904, login successfully;
905, the user selects " waiting to collect money " option;
906, portable terminal shows the service order in " waiting to collect money " option to the user;
907, the user confirms to pay said service order;
908, the portable terminal prompting is swiped the card;
909, the user brushes credit card on the annex of swiping the card;
910, the annex of swiping the card reads credit card information and carries out conversion of signals, is sent to portable terminal through interface, and portable terminal is discerned and handled signal;
911, the prompting user imports trading password;
912, the user imports trading password;
913, prompting signature;
914, the user accomplishes the screen signature;
915, payment client terminal carries out encryption to transaction data, and is sent to the network payment platform through the mobile network and carries out transaction processing.Fund changes user appointed bank account over to;
916, payment client terminal is received transaction results, and transaction is accomplished.
Only the application scenarios in the embodiment of the invention is illustrated above, it is understandable that, in practical application, the more applications scene can also be arranged, specifically do not limit here with some examples.
Down the embodiment in the face of the payment terminal of the present invention that is used to carry out above-mentioned data processing method based on portable terminal describes, and its logical organization please refer to Figure 10, one embodiment comprises of payment terminal in the embodiment of the invention:
The portable terminal 1001 and the annex 1002 of swiping the card;
Exemplary, the annex 1002 of swiping the card can insert said portable terminal 1001 through the COBBAIF of portable terminal 1001.
Said portable terminal 1001 is used to receive the service order that network-side is sent, and said service order includes the cost information of network trading, generates the payment indicator signal according to said cost information, and sends said payment indicator signal to the said annex of swiping the card; Receive the information of the Payment Card that the said annex of swiping the card sends, generate transaction data according to the information and the said cost information of said Payment Card, and transmit said transaction data to said network payment platform;
The said annex 1002 of swiping the card is used to receive the said payment indicator signal that said portable terminal sends, and reads the information of Payment Card according to said payment indicator signal, and sends the information of said Payment Card to said portable terminal.
Optional, the portable terminal 1001 of the embodiment of the invention comprises:
Said communication linkage unit 1011 is used for establishing a communications link according to the account and the said network payment platform of user's input;
Said receiving element 1012 is used to receive the service order that network-side is sent, and said service order includes the cost information of network trading;
Said payment indicating member 1013 is used for generating the payment indicator signal according to said cost information, and sends said payment indicator signal to the said annex 102 of swiping the card;
Said transmission of transaction data unit 1014 is used to receive the information of the Payment Card that the said annex of swiping the card sends, and generates transaction data according to the information and the said cost information of said Payment Card, and transmits said transaction data to said network payment platform.
Optional, the portable terminal 101 of the embodiment of the invention also comprises:
Said transmission of transaction data unit 1014 also is used for generating transaction data according to the information of said safety verification information, said Payment Card and said cost information; And transmit said transaction data to said network payment platform, make said network payment platform carry out safety verification to the information and the said safety verification information of said Payment Card according to security check logic.
The exchange process of each unit of payment terminal comprises in the embodiment of the invention:
The communication linkage unit 1011 of portable terminal 101 establishes a communications link according to the account and the network payment platform of user's input; In practical application; In the portable terminal client that is complementary with the network payment platform can be installed; The user is after said network payment platform is accomplished registration; Can use the account that obtains after the registration on client, to login, portable terminal establishes a communications link according to the account and the network payment platform of user's input.Optional, account specifically can comprise username and password.
The receiving element 1012 of portable terminal 101 receives the service order that the network payment platform sends, and said service order includes the cost information of network trading.
In practical application; After the commodity that the user has selected to need to buy in network; The user can select network payment platform of the present invention (being the mode that portable terminal is swiped the card and paid) to pay; Then said network payment platform generates this commodity corresponding service order, and sends said service order to the target account number.
The account that uses said target account number the user is after the portable terminal login, and portable terminal and said network payment platform establish a communications link, and portable terminal can receive that said network payment platform sends to the service order of said target account number.
Said network payment platform is the server of operator in network-side, and the user has bought after the commodity on the net, can select clearing form, as: Web bank, Alipay, wealth are paid logical or are cashed on delivery; Network payment platform in the embodiment of the invention is with regard to payment platforms such as similar above-mentioned Web bank, Alipay, wealth Fu Tong, and the network payment Platform Implementation is the function of swiping the card and paying.
Said service order is bought the trading order form of being produced behind the commodity on the net for the user; Consist predominantly of the cost information that this exchange produces; The product information (product of what type, color, net weight etc.) and the Transaction Information (exchange hour, transaction merchant, transaction terms etc.) that wherein, can also include these commodity.
The payment indicating member 1013 of portable terminal 101 generates the payment indicator signal according to said cost information, and sends said payment indicator signal to the said annex 102 of swiping the card;
After receiving said service order; The information that can show said service order to the user; When the user confirms to pay the pairing transaction of said service order, send payment instruction (specifically can confirm payment) to portable terminal, when said portable terminal is received payment instruction for clicking; Generate the payment indicator signal according to said cost information, and send said payment indicator signal to the annex of swiping the card.
After the annex 102 of swiping the card received said payment indicator signal message, the annex 502 of swiping the card can be pointed out the user operation of swiping the card through the mode of pilot lamp, sound or vibrations; When the user swipes the card operation; The annex 102 of swiping the card can receive Card Reader instruction (specifically can be swipe the card annex detect Payment Card be in swipe the card mouthful); Read the information of Payment Card according to said payment indicator signal, and send the information of said Payment Card to said portable terminal.Optional, Payment Card can for bank card (as, debit card or credit card), or have the storage card (like, integrated circuit card) of payment function.
If said Payment Card receives safety verification mechanism protection, then safety verification unit 1015 to the interface that obtains of user's output safety checking information, and obtains the safety verification information of user's input according to the information of said Payment Card;
The transmission of transaction data unit 1014 of portable terminal 101 generates transaction data according to the information and the said cost information of said safety verification information, said Payment Card; And transmit said transaction data to said network payment platform; Make said network payment platform carry out safety verification to the information and the said safety verification information of said Payment Card according to security check logic; If the safety verification success, the pairing Transaction Success of then said service order; If safety verification then returns error message to portable terminal.
In several embodiment that the application provided, should be understood that the apparatus and method that disclosed can realize through other mode.For example, device embodiment described above only is schematically, for example; The division of said unit; Only be that a kind of logic function is divided, during actual the realization other dividing mode can be arranged, for example a plurality of unit or assembly can combine or can be integrated into another system; Or some characteristics can ignore, or do not carry out.Another point, the coupling each other that shows or discuss or directly coupling or communication to connect can be through some interfaces, the indirect coupling of device or unit or communication connect, and can be electrically, machinery or other form.
Said unit as separating component explanation can or can not be physically to separate also, and the parts that show as the unit can be or can not be physical locations also, promptly can be positioned at a place, perhaps also can be distributed on a plurality of NEs.Can realize the purpose of present embodiment scheme according to the needs selection some or all of unit wherein of reality.
In addition, each functional unit in each embodiment of the present invention can be integrated in the processing unit, also can be that the independent physics in each unit exists, and also can be integrated in the unit two or more unit.Above-mentioned integrated unit both can adopt the form of hardware to realize, also can adopt the form of SFU software functional unit to realize.
If said integrated unit is realized with the form of SFU software functional unit and during as independently production marketing or use, can be stored in the computer read/write memory medium.Based on such understanding; Part or all or part of of this technical scheme that technical scheme of the present invention contributes to prior art in essence in other words can come out with the embodied of software product; This computer software product is stored in the storage medium; Comprise some instructions with so that computer equipment (can be personal computer, server, the perhaps network equipment etc.) carry out all or part of step of the said method of each embodiment of the present invention.And aforesaid storage medium comprises: various media that can be program code stored such as USB flash disk, portable hard drive, ROM (read-only memory) (ROM, Read-Only Memory), RAS (RAM, Random Access Memory), magnetic disc or CD.
The above; Be merely embodiment of the present invention, but protection scope of the present invention is not limited thereto, any technician who is familiar with the present technique field is in the technical scope that the present invention discloses; Can expect easily changing or replacement, all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion by said protection domain with claim.
Claims (9)
1. a data processing method is characterized in that, comprising:
Computing machine or portable terminal receive the service order that the network payment platform sends, and said service order includes the cost information of network trading;
When said computing machine or portable terminal are received payment instruction, generate the payment indicator signal according to said cost information, and send said payment indicator signal to the annex of swiping the card;
When the said annex of swiping the card is received Card Reader when instruction, read the information of Payment Card according to said payment indicator signal, and the information of sending said Payment Card to said computing machine or portable terminal;
Said computing machine or portable terminal generate transaction data according to the information and the said cost information of said Payment Card, and send said transaction data to said network payment platform.
2. method according to claim 1 is characterized in that, and is then said after said computing machine or portable terminal return the information of said Payment Card if said Payment Card receives safety verification mechanism protection, also comprises:
Said computing machine or portable terminal to the interface that obtains of user's output safety checking information, and obtain the safety verification information of user's input according to the information of said Payment Card;
Said computing machine or portable terminal generate transaction data according to the information and the said cost information of said Payment Card, and transmit said transaction data to said network payment platform, comprising:
According to said safety verification information; The information of said Payment Card and said cost information generate transaction data; And transmit said transaction data to said network payment platform, make said network payment platform carry out safety verification to the information and the said safety verification information of said Payment Card according to security check logic.
3. method according to claim 1 is characterized in that, said service order also includes and the corresponding merchandise news of said cost information;
After the said information and said cost information generation transaction data, also comprise according to Payment Card:
After confirming that the pairing transaction of said service order has been accomplished, said computing machine or portable terminal generate transaction record according to said transaction data and said merchandise news, and store said transaction record.
4. a payment terminal is characterized in that, comprising: the computing machine and the annex of swiping the card;
Said computing machine is used to receive the service order that network-side is sent, and said service order includes the cost information of network trading, generates the payment indicator signal according to said cost information, and sends said payment indicator signal to the said annex of swiping the card; Receive the information of the Payment Card that the said annex of swiping the card sends, generate transaction data according to the information and the said cost information of said Payment Card, and transmit said transaction data to said network payment platform;
The said annex of swiping the card is used to receive the said payment indicator signal that said computing machine sends, and reads the information of Payment Card according to said payment indicator signal, and sends the information of said Payment Card to said computing machine.
5. payment terminal according to claim 4 is characterized in that, said computing machine comprises: jump-transfer unit, communication linkage unit, receiving element, payment indicating member, transmission of transaction data unit;
Said jump-transfer unit is used for according to the modes of payments that the user selects current interface being jumped to the interface of payment gateway;
Said communication linkage unit is used for computing machine or portable terminal obtains the account of user's input, and establishes a communications link according to the account and the said network payment platform of said user's input;
Said receiving element is used to receive the service order that network-side is sent, and said service order includes the cost information of network trading;
Said payment indicating member is used for generating the payment indicator signal according to said cost information, and sends said payment indicator signal to the said annex of swiping the card;
Said transmission of transaction data unit is used to receive the information of the Payment Card that the said annex of swiping the card sends, and generates transaction data according to the information and the said cost information of said Payment Card, and transmits said transaction data to said network payment platform.
6. payment terminal according to claim 4 is characterized in that, said computing machine or portable terminal also comprise:
The safety verification unit is used for if said Payment Card receives safety verification mechanism protection, then according to the information of said Payment Card to the interface that obtains of user's output safety checking information, and obtain the safety verification information of user's input;
Said transmission of transaction data unit also is used for generating transaction data according to the information of said safety verification information, said Payment Card and said cost information; And transmit said transaction data to said network payment platform, make said network payment platform carry out safety verification to the information and the said safety verification information of said Payment Card according to security check logic.
7. a payment terminal is characterized in that, comprising: the portable terminal and the annex of swiping the card;
Said portable terminal is used to receive the service order that network-side is sent, and said service order includes the cost information of network trading, generates the payment indicator signal according to said cost information, and sends said payment indicator signal to the said annex of swiping the card; Receive the information of the Payment Card that the said annex of swiping the card sends, generate transaction data according to the information and the said cost information of said Payment Card, and transmit said transaction data to said network payment platform;
The said annex of swiping the card is used to receive the said payment indicator signal that said portable terminal sends, and reads the information of Payment Card according to said payment indicator signal, and sends the information of said Payment Card to said portable terminal.
8. payment terminal according to claim 7 is characterized in that, said portable terminal comprises: communication linkage unit, receiving element, payment indicating member, transmission of transaction data unit;
Said communication linkage unit is used for establishing a communications link according to the account and the said network payment platform of user's input;
Said receiving element is used to receive the service order that network-side is sent, and said service order includes the cost information of network trading;
Said payment indicating member is used for generating the payment indicator signal according to said cost information, and sends said payment indicator signal to the said annex of swiping the card;
Said transmission of transaction data unit is used to receive the information of the Payment Card that the said annex of swiping the card sends, and generates transaction data according to the information and the said cost information of said Payment Card, and transmits said transaction data to said network payment platform.
9. payment terminal according to claim 7 is characterized in that, said portable terminal also comprises:
The safety verification unit is used for if said Payment Card receives safety verification mechanism protection, then according to the information of said Payment Card to the interface that obtains of user's output safety checking information, and obtain the safety verification information of user's input;
Said transmission of transaction data unit also is used for generating transaction data according to the information of said safety verification information, said Payment Card and said cost information; And transmit said transaction data to said network payment platform, make said network payment platform carry out safety verification to the information and the said safety verification information of said Payment Card according to security check logic.
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| CN2012101874066A CN102750632A (en) | 2012-05-22 | 2012-06-07 | Data processing method and relevant payment terminal |
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| CN201210160921 | 2012-05-22 | ||
| CN201210160870 | 2012-05-22 | ||
| CN201210160921.5 | 2012-05-22 | ||
| CN201210160870.6 | 2012-05-22 | ||
| CN2012101874066A CN102750632A (en) | 2012-05-22 | 2012-06-07 | Data processing method and relevant payment terminal |
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Application publication date: 20121024 |