CN102945578A - Mixed cash registering terminal and method thereof - Google Patents
Mixed cash registering terminal and method thereof Download PDFInfo
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- CN102945578A CN102945578A CN2012103774537A CN201210377453A CN102945578A CN 102945578 A CN102945578 A CN 102945578A CN 2012103774537 A CN2012103774537 A CN 2012103774537A CN 201210377453 A CN201210377453 A CN 201210377453A CN 102945578 A CN102945578 A CN 102945578A
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Abstract
The invention discloses a mixed cash registering terminal and a method thereof. The terminal comprises a payment account number information receiving module; a label scanning or electronic ticket receiving module used for acquiring two-dimensional labels, NFC (near field communication) labels, RFID (radio frequency identification device) labels or deduction or discount information in electronic tickets; a billing information generating module for generating billing information according to the deduction or discount information; and a billing information sending module for sending the billing information to a payer terminal or a transaction system. The implementation provided by the invention improves the payment convenience by mixed collection measures, and is beneficial for improving user experience.
Description
Technical field
The present invention relates to wireless communication field, be specifically related to mix cash receiving terminal and method.
Background technology
Electronic ticket is in when payment in the prior art, the condition if the amount of money of electronic ticket greater than amount payable, then faces a difficult selection, and a kind of selection is to accept as unavoidable loss, and described electronic ticket is used for payment, the remaining electronic ticket amount of money then is wasted; The another kind of selection is not carry out the electronic ticket payment, and uses cash instead or other modes substitute payment, though avoided described waste still to increase trouble to payment.
Summary of the invention
For the problems referred to above, the embodiment of the invention provides mixing cash receiving terminal and method.
In first aspect, the embodiment of the invention provides a kind of mixing cash receiving terminal, and described mixing cash receiving terminal comprises: payment account information receiver module, be used for receiving the payment account information from the paying party terminal, and described payment account information comprises the payment account; Tag scan or electronic ticket receiver module, be used for two-dimension code label, NFC label or the RFID label on the paper ticket that the scanning payer provides or receive the electronic ticket that the paying party terminal sends, to obtain deduction gold or the discount information in described two-dimension code label, NFC label, RFID label or the electronic ticket; The bill information generation module, be used for drawing actual amount payable according to described deduction gold or discount information, and in actual amount payable greater than zero the time, generate bill information, described actual amount payable equals the product that differs from or equal original amount payable and described discount of original amount payable and described deduction gold; The bill information sending module is used for described bill information is sent to paying party terminal or transaction system.
Preferably, the described bill information that sends to the paying party terminal comprises amount payable and shroff account number; The described described bill information that sends to transaction system comprises amount payable, payment account and shroff account number.
Preferably, described transaction system is bank transaction system, Unionpay's transaction system, third party's payment mechanism transaction system, the People's Bank's small amount payment system, the People's Bank's online payment inter-bank system for settling account, Diners Club DC system for settling account, the Japanese JCB of credit bureau system for settling account, the AE of American Express system for settling account, Master MASTERCARD system for settling account or Visa VISA system for settling account.
Preferably, described mixing cash receiving terminal also comprises wireless communication module; Described payment account receiver module receives the payment account information by described wireless communication module.
Preferably, described wireless communication module is near-field communication NFC module, ultra broadband UWB module, bluetooth module, purple honeybee ZIGBEE module, infrared module, worldwide interoperability for microwave access Wimax module, Wireless Fidelity WIFI module or cellular communication module.
Preferably, described payment account information also comprises the payment cipher corresponding to described payment account; The described described bill information that sends to transaction system also comprises the payment cipher corresponding to the payment account.
Preferably, described mixing cash receiving terminal also comprises the eCheck receiver module, is used for receiving eCheck from the payer terminal.
Preferably, described mixing cash receiving terminal also comprises invoice new line information forwarding module, is used for receiving invoice new line information by described wireless communication module from the payer terminal, and described invoice new line information is sent to receipt printer.
Preferably, described payment cipher is numerical ciphers, character password, numerical character mixed cipher, head image information password, iris information password, finger print information password or speech cipher.
Preferably, described mixing cash receiving terminal also comprises: the eCheck sending module is used for that described eCheck is issued described transaction system or other eChecks and cashes mechanism and cash.
Preferably, described mixing cash receiving terminal also comprises: the payment result receiver module is used for receiving expression and pays successfully or failed information.
In second aspect, the embodiment of the invention provides a kind of mixing cashing method, and described mixing cashing method comprises: receive the payment account information from the paying party terminal, described payment account information comprises the payment account; The electronic ticket that two-dimension code label, NFC label or RFID label on the paper ticket that the scanning payer provides or reception paying party terminal send is to obtain deduction gold or the discount information in described two-dimension code label, NFC label, RFID label or the electronic ticket; Draw actual amount payable according to described deduction gold or discount information, and in actual amount payable greater than zero the time, generate bill information, described actual amount payable equals the product that differs from or equal original amount payable and described discount of original amount payable and described deduction gold; Described bill information is sent to paying party terminal or transaction system.
Preferably, the described bill information that sends to the paying party terminal comprises amount payable and shroff account number; The described described bill information that sends to transaction system comprises amount payable, payment account and shroff account number.
Preferably, described transaction system is bank transaction system, Unionpay's transaction system, third party's payment mechanism transaction system, the People's Bank's small amount payment system, the People's Bank's online payment inter-bank system for settling account, Diners Club DC system for settling account, the Japanese JCB of credit bureau system for settling account, the AE of American Express system for settling account, Master MASTERCARD system for settling account or Visa VISA system for settling account.
Preferably, described from paying party terminal reception payment account information, be specially: receive the payment account information by communication from the paying party terminal.
Preferably, described communication is near-field communication NFC, ultra broadband UWB, bluetooth, purple honeybee ZIGBEE, infrared, Wireless Fidelity WIFI, worldwide interoperability for microwave access Wimax or other cellular communications.
Preferably, described payment account information also comprises the payment cipher corresponding to described payment account; The described described bill information that sends to transaction system also comprises the payment cipher corresponding to the payment account.
Preferably, described mixing cashing method also comprises from payer terminal reception eCheck.
Preferably, described mixing cashing method also comprises by described communication and receives invoice new line information from the payer terminal, and described invoice new line information is sent to receipt printer.
Preferably, described payment cipher is numerical ciphers, character password, numerical character mixed cipher, head image information password, iris information password, finger print information password or speech cipher.
Preferably, described mixing cashing method also comprises: described eCheck is issued described transaction system or other eChecks cash mechanism and cash.
Preferably, described mixing cashing method also comprises: receive expression and pay successfully or failed information.
The embodiment of the invention is mixed the gathering means by providing, and has improved convenience in payment, is conducive to improve user's experience.
Description of drawings
Below with reference to accompanying drawings specific embodiments of the present invention is described in detail, in the accompanying drawings:
Figure 1A is a kind of application scenarios schematic diagram of the mixing gathering of the embodiment of the invention;
Figure 1B is the another kind of application scenarios schematic diagram of the mixing gathering of the embodiment of the invention;
Fig. 2 A-2F is the multiple schematic diagram of the mixing cash receiving terminal of the embodiment of the invention;
Fig. 3 is the schematic diagram of the mixing cashing method of the embodiment of the invention.
Embodiment
Below in conjunction with the drawings and specific embodiments the present invention is carried out detailed, clear, complete explanation.Obviously, described embodiment only is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills belong to the scope of protection of the invention not making all other embodiment that obtain under the creative work prerequisite.
In view of the problem that prior art exists, the embodiment of the invention considers to adopt that electronic ticket, paper ticket, cash are transferred accounts, e-check payment and the mixing gathering clearing form cashed.For making things convenient for the transmission of electronic ticket, eCheck, consider to adopt communication.Described communication can comprise bluetooth (Bluetooth), NFC(Near Field Communication, Near Field Communication or near-field communication), ultra broadband UWB(U1tra Wide Band), infrared, purple honeybee ZIGBEE, Wireless Fidelity Wi-Fi(Wireless Fidelity) etc.Described communication can also comprise worldwide interoperability for microwave access Wimax(Worldwide interoperability microwave access) or other traditional cellular communication mode.Described cellular communication mode can be GSM (Global System of Mobile communication, global system for mobile communications), CDMA (Code Division Multiple Access, CDMA), WCDMA(Wideband Code Division Multiple Access, Wideband Code Division Multiple Access (WCDMA)), TD-SCDMA(Time Division-Synchronous Code Division Multiple Access, TD SDMA), CDMA2000 etc.
The advantage of the embodiment of the invention, more outstanding when adopting described NFC or bluetooth, for this is described in detail as follows described NFC, bluetooth:
For described NFC(Near Field Communication, Near Field Communication or near-field communication) technology, it is by non-RFID (Radio Frequency Identify, radio-frequency (RF) identification) and the Technology Integration that interconnects develop combining induction card reader, induction type card and point-to-point communication function on one chip.The NFC technology was utilized wireless frequency electromagnetic induction coupling scheme equally, and the NFC technology became ISO/IEC IS 18092 international standards in 2002, after this also was approved for EMCA-340 standard and ETSI TS102 190 standards.In closely (being generally tens centimetres), having between a plurality of equipment of NFC communication function and can mutually identify and exchanges data.The NFC chip of realizing the NFC communication function can be built in the various communication facilitiess, and such as being built in mobile communication terminal, the mobile communication terminal of this moment can be called the NFC mobile communication terminal; More specifically can be built in mobile phone, the mobile phone of this moment can be called the NFC mobile phone.Typically, at present the NFC ISO/IEC18092 that adopts international standards uses the 13.56MHz frequency range to communicate, and data rate is 106kbit/s(bps), 212kbit/s or 424kbit/s.Described ISO refers to ISO (International Standards Organization) (International Organization for Standardization); Described ICE refers to International Electrotechnical Commission (International Electro technical Commission).
For described bluetooth (Bluetooth) technology, be operated in 2.4GHz ISM (i.e. industry, science, the medical science) frequency range of global general-use.The data rate of bluetooth can be 1Mb/s.The time division duplex transmission scheme can be used to realize full duplex transmission.Can use the IEEE802.15 agreement.Within closely (generally within 10m), have between a plurality of equipment of function of Bluetooth communication and can mutually identify and exchanges data.The Bluetooth chip of realizing function of Bluetooth communication can be built in the various communication facilitiess, and such as being built in mobile communication terminal, the mobile communication terminal of this moment can be called bluetooth mobile communication terminal; More specifically can be built in mobile phone, the mobile phone of this moment can be called bluetooth cellular phone.
The below will be described in detail with specific embodiment.
Figure 1A is the mixing gathering application scenarios schematic diagram of the embodiment of the invention.Shown in Figure 1A, comprise paying party portable terminal, beneficiary portable terminal (also be called and mix cash receiving terminal), transaction system in the scene.Communicating by letter between described paying party portable terminal and the beneficiary portable terminal can be adopted one or more in the following short haul connection mode: bluetooth, NFC, ultra broadband UWB, infrared, purple honeybee ZIGBEE, Wireless Fidelity Wi-Fi.Even also can adopt wimax or other cellular communication mode, do not do restriction at this.
Described paying party portable terminal is consumer or payer.Described consumer tends to have some reward vouchers, described reward voucher can be a kind of electronic ticket, it also can be a kind of paper ticket, can print a kind of two-dimension code on the described paper ticket, also can be adhesive with a kind of RFID(Radio Frequency Identifier, radio frequency identification) label or a kind of NFC label.Can comprise the preferential information of some expressions in described electronic ticket and described two-dimension code, RFID label, the NFC label.Described favor information can be deduction gold, discount or integration etc.Described integration can be converted into certain deduction gold or discount rate.This moment, described electronic ticket can be called electronic coupons, electronics deduction certificate, electronics coupons etc.
The roughly payment flow of paper ticket is as follows:
Before the consumer consumes clearing, the consumer can show described paper ticket, this moment, beneficiary can scan (described beneficiary portable terminal is equipped with corresponding two-dimension code, RFID label, NFC tag scan module) to described paper ticket by the beneficiary portable terminal, obtained described favor information (deduction gold or discount rate or integration; Described integration can convert/be converted into corresponding deduction gold or discount rate; Described conversion rule can set in advance in described beneficiary portable terminal) afterwards, will consume the amount of money (also being called original amount payable) and deduct the deduction gold and obtain actual amount payable or will consume the amount of money (also being called original amount payable) multiply by the deduction rate and obtaining actual amount payable.
Be noted that after obtaining described favor information, the beneficiary portable terminal can also contact with reward voucher administrative center (not shown), the identifier ID of paper ticket is sent to described reward voucher administrative center, in order to examine described favor information.Because if this paper ticket was used in the past, its actual effectively deduction amount of money will reduce so, and this minimizing situation can be recorded in described reward voucher administrative center.
For the deduction gold, if the consumption amount of money deducts the golden actual amount payable that obtains of deduction less than or equal to zero, illustrate that then the deduction gold of paper ticket is more than or equal to the consumption amount of money, obviously the beneficiary portable terminal only need to be deducted the described consumption amount of money and got final product from the deduction gold of paper ticket this moment, did not need again cash payment or carry out cash and transfer accounts of consumer.And alternatively, the beneficiary portable terminal amount of money that the residue of described paper ticket can be deducted transfers to described reward voucher administrative center and is used for backup, so that the re-using of the residue of the described paper ticket deduction amount of money next time.If the consumption amount of money deducts the golden actual amount payable that obtains of deduction greater than zero, the beneficiary portable terminal can directly send to the bill information that comprises described actual amount payable the transaction system request and carries out cash and transfer accounts so, perhaps bill information is sent to the paying party portable terminal, and finish cash by described paying party portable terminal to the transaction system request and transfer accounts.
For discount rate, to consume the amount of money multiply by the deduction rate and obtains after the actual amount payable, described beneficiary portable terminal can directly send to bill information the transaction system request to carry out cash and transfers accounts, and perhaps bill information is sent to the paying party portable terminal and finishes cash by described paying party portable terminal to the transaction system request and transfer accounts.
Described beneficiary portable terminal directly sends to and comprises payment account, shroff account number, actual amount payable in the bill information of transaction system.Where necessary, also should comprise payment cipher corresponding to described payment account.Reason is, in the example, as some credit card of payment account payment cipher can be set, also payment cipher can be set.Certain described payment account/payment cipher should be informed beneficiary by paying party.A kind of informing mode is by the short-distance wireless communication mode described payment account/payment cipher to be sent to the beneficiary portable terminal; Another kind of informing mode is oral informing face to face, and manually inputs the beneficiary portable terminal; Certainly also there is other informing mode, for example informs by cellular communication mode, do not do restriction at this.
Described beneficiary portable terminal sends in the bill information of paying party portable terminal and comprises shroff account number, actual amount payable.Paying party generates new bill information according to described shroff account number, actual amount payable and the payment account that self provides subsequently, and described new bill information is sent to transaction system.Where necessary, described new bill information also should comprise the payment cipher corresponding to described payment account.Reason is, sometimes, as some credit card of payment account payment cipher can be set, also payment cipher can be set.
The roughly payment flow of electronic ticket is as follows:
Before the consumer consumes clearing, consumer's portable terminal (also being called payer portable terminal, paying party portable terminal) can send to the beneficiary portable terminal with the electronic ticket of self storing, described transmission can be initiatively to send, and also can be the passive transmission that requires of receivables side's portable terminal.After analyzing described electronic ticket, obtains the beneficiary portable terminal wherein favor information (deduction gold or discount rate or integration; Described integration can convert/be converted into corresponding deduction gold or discount rate; Described conversion rule can set in advance in described beneficiary portable terminal) afterwards, will consume the amount of money (also being called original amount payable) and deduct the deduction gold and obtain actual amount payable or will consume the amount of money (also being called original amount payable) multiply by the deduction rate and obtaining actual amount payable.
Be noted that after obtaining described favor information, the beneficiary portable terminal can also contact with reward voucher administrative center (not shown), the identifier ID of electronic ticket is sent to described reward voucher administrative center, in order to examine described favor information.Because if this electronic ticket was used in the past, its actual effectively deduction amount of money will reduce so, and this minimizing situation can be recorded in described administrative center.
For the deduction gold, if the consumption amount of money deducts the golden actual amount payable that obtains of deduction less than or equal to zero, illustrate that then the deduction gold of paper ticket is more than or equal to the consumption amount of money, obviously the beneficiary portable terminal only need to be deducted the described consumption amount of money and got final product from the deduction gold of paper ticket this moment, did not need again cash payment or carry out cash and transfer accounts of consumer.And alternatively, the beneficiary portable terminal amount of money that the residue of described electronic ticket can be deducted transfers to reward voucher administrative center and is used for backup, so that the re-using of the residue of the described paper ticket deduction amount of money next time.If the consumption amount of money deducts the golden actual amount payable that obtains of deduction greater than zero, the beneficiary portable terminal can directly send to the bill information that comprises described actual amount payable the transaction system request and carries out cash and transfer accounts so, perhaps bill information is sent to the paying party portable terminal and finishes cash by the paying party portable terminal to the transaction system request and transfer accounts.
For discount rate, to consume the amount of money multiply by the deduction rate and obtains after the actual amount payable, described beneficiary portable terminal can directly send to bill information the transaction system request to carry out cash and transfers accounts, and perhaps bill information is sent to the paying party portable terminal and finishes cash by the paying party portable terminal to the transaction system request and transfer accounts.
Described beneficiary portable terminal directly sends to and comprises payment account, shroff account number, actual amount payable in the bill information of transaction system.Where necessary, also should comprise payment cipher corresponding to described payment account.This is because of some credit card as the payment account payment cipher not to be set, also payment cipher can be set.Certain described payment account/payment cipher should be informed beneficiary by paying party.A kind of informing mode is by the short-distance wireless communication mode described payment account/payment cipher to be sent to the beneficiary portable terminal; Another kind of informing mode is oral informing face to face, and manually inputs the beneficiary portable terminal; Certainly also there is other informing mode, for example informs by cellular communication mode, do not do restriction at this.
Described beneficiary portable terminal sends in the bill information of paying party portable terminal and comprises shroff account number, actual amount payable.The paying party portable terminal generates new bill information according to described shroff account number, actual amount payable and the payment account that self provides subsequently, and described new bill information is sent to transaction system.Where necessary, described new bill information also should comprise the payment cipher corresponding to described payment account.This be because, as the payment account some credit card payment cipher can be set, also payment cipher can be set.
In addition, the all right built-in or plug-in e-check payment module of described paying party portable terminal, be used for providing eCheck to the beneficiary portable terminal when cash is transferred accounts failure, described beneficiary portable terminal can send to bank transaction system, Unionpay's transaction system, third party's payment platform transaction system or other eCheck settlement system requests with described eCheck and cash before the term of validity of described eCheck.The application scenarios of this moment as shown in Figure 1B.
For the e-check payment mode, alternatively, described beneficiary portable terminal can configure the eCheck authentication module, and accordingly, beneficiary can be verified the true and false of the eCheck that receives and show the information such as the amount of money of eCheck, the term of validity.Receiving whenever all this eCheck can be issued described transaction system or other eCheck of ticket side before the described term of validity cashes mechanism and cashes.Thereby when having reduced transaction for the online real-time dependence that is communicated with of the network path between beneficiary and the described transaction system.Changing a mode explains again, if can't carrying out real-time cash for a certain reason, a certain moment transfers accounts that (described reason can be that the network communication link between paying party portable terminal and the described transaction system is temporarily obstructed, Sorry, your ticket has not enough value for the account of perhaps paying the bill, the account of perhaps paying the bill consumption amount of money mandate amount is less than actual amount payable etc.), this moment, the paying party portable terminal just can be provided corresponding eCheck to the beneficiary portable terminal so, the beneficiary portable terminal is after receiving described eCheck, confirm described eCheck be true and denomination equal just can think after the actual amount payable paying party portable terminal ceasing to transmit payment voluntary, this moment, paying party just can leave the transaction place, and need not be online in order to attempt again carrying out/real-time cash payment by the transfer of accounts and wait for described network recovery communication in the transaction place, thus temporal waste avoided.And any moment of beneficiary before the term of validity of eCheck, communication link between the mechanism is unimpeded can to carry out the submission of eCheck and cashes as long as itself and described transaction system or other eChecks are cashed.For beneficiary, except in time not obtaining the NetCash income, there is no actual loss.Be noted that at last, the above-mentioned eCheck term of validity can be a limited time limit, such as 1 month, 2 months etc., also can be effectively permanent, and in eCheck even can not mark the term of validity, this moment, correspondingly the term of validity of such eCheck can be given tacit consent to for effectively permanent by described transaction system or other eCheck sides of cashing.
In an example, the ticket checking function that goes out ticket function and eCheck authentication module of described e-check payment module all can realize by the software of described bank transaction system, Unionpay's transaction system, third party's payment platform transaction system or other eCheck settlement system mandates.
The embodiment of the invention by electronic ticket, paper ticket, cash transfer accounts, eCheck is realized mixed payment, has enriched means of payment, has improved payment efficient, has improved user's experience.
What specify is that the scene of Figure 1A and Figure 1B all is exemplary, can not be considered as the restriction to the embodiment of the invention.
Fig. 2 A is a kind of mixing cash receiving terminal schematic diagram of the embodiment of the invention.As can be seen from Figure 2A, described mixing cash receiving terminal comprises:
Payment account information receiver module 200 is used for receiving the payment account information from the paying party terminal, and described payment account information comprises the payment account;
Tag scan or electronic ticket receiver module 202, be used for two-dimension code label, NFC label or the RFID label on the paper ticket that the scanning payer provides or receive the electronic ticket that the paying party terminal sends, to obtain deduction gold or the discount information in described two-dimension code label, NFC label, RFID label or the electronic ticket;
Bill information generation module 204, be used for drawing actual amount payable according to described deduction gold or discount information, and in actual amount payable greater than zero the time, generate bill information, described actual amount payable equals the product that differs from or equal original amount payable and described discount of original amount payable and described deduction gold;
Bill information sending module 206 is used for described bill information is sent to paying party terminal or transaction system.
Preferably, described mixing cash receiving terminal also comprises wireless communication module 208; Described payment account receiver module receives the payment account information by described wireless communication module.The mixing cash receiving terminal of this moment is shown in Fig. 2 B.
Preferably, described wireless communication module is near-field communication NFC module, ultra broadband UWB module, bluetooth module, purple honeybee ZIGBEE module, infrared module, worldwide interoperability for microwave access Wimax module, Wireless Fidelity WIFI module or cellular communication module.
Preferably, described mixing cash receiving terminal also comprises eCheck receiver module 210, is used for receiving eCheck from payer terminal (also being called the paying party terminal).A kind of receive mode is to receive by described wireless communication module, and a kind of mixing cash receiving terminal of this moment is shown in Fig. 2 C.
Preferably, described mixing cash receiving terminal also comprises invoice new line information forwarding module 212, is used for receiving invoice new line information by described wireless communication module from the payer terminal, and described invoice new line information is sent to receipt printer.A kind of mixing cash receiving terminal of this moment is shown in Fig. 2 D.
Preferably, described mixing cash receiving terminal also comprises: eCheck sending module 214 is used for that described eCheck is issued described transaction system or other eChecks and cashes mechanism and cash.A kind of mixing cash receiving terminal of this moment is shown in Fig. 2 E.
Preferably, described mixing cash receiving terminal also comprises: payment result receiver module 216 is used for receiving expression and pays successfully or failed information.A kind of mixing cash receiving terminal of this moment is shown in Fig. 2 F.
Preferably, the described bill information that sends to the paying party terminal comprises amount payable and shroff account number; The described described bill information that sends to transaction system comprises amount payable, payment account and shroff account number.
Preferably, described transaction system can be bank transaction system, Unionpay's transaction system, third party's payment mechanism transaction system, the People's Bank's small amount payment system, the People's Bank's online payment inter-bank system for settling account, Diners Club DC(Diners Club) system for settling account, the Japanese JCB(Japan Credit Bureau of credit bureau) system for settling account, the AE(American Express of American Express) system for settling account, Master MASTERCARD system for settling account, Visa VISA system for settling account or other financial system for settling account, do not do restriction at this.Usually, described third party's payment mechanism transaction system is some and product the country one belongs to and abroad each big bank is signatory and possess the transaction supporting platform that third party's independent agency of certain strength and prestige guarantee provides.In passing through the transaction of third party's payment platform, after buyer's free choice of goods, the account of using third-party platform to provide is carried out the payment for goods payment, notifies seller's payment for goods to arrive, deliver by the third party; Behind buyer's item inspecting, just can advice and pay to the seller, the third party goes to fund seller's account again.
Preferably, described payment account information also comprises the payment cipher corresponding to described payment account; The described described bill information that sends to transaction system also comprises the payment cipher corresponding to the payment account.
Preferably, described payment cipher is numerical ciphers, character password, numerical character mixed cipher, head image information password, iris information password, speech cipher or finger print information password.
Alternatively, in the example, as follows for the utilization flow process of described finger print information: the fingerprint by the fingerprint typing module typing payer then and there on the beneficiary terminal is as payment cipher.Then can obtain by camera/for head image information or iris information, described camera/can be built in beneficiary/paying party terminal.
Be noted that at last alternatively, above-mentioned beneficiary terminal, paying party terminal all are portable terminals; Both can be fixed terminals also, and perhaps one is portable terminal, and another is fixed terminal.In the example, described beneficiary terminal is a kind of POS(Point Of Sales, the point of sale) the machine terminal.
Fig. 3 is the schematic diagram of the mixing cashing method of the embodiment of the invention.As can be seen from Figure 3, described mixing cashing method comprises:
Step 300 receives the payment account information from the paying party terminal;
Particularly, described payment account information comprises the payment account; In case of necessity, also comprise payment cipher corresponding to described payment account.Preferably, receive the payment account information by communication.Preferably, described communication is near-field communication NFC, ultra broadband UWB, bluetooth, purple honeybee ZIGBEE, infrared, Wireless Fidelity WIFI, worldwide interoperability for microwave access Wimax or other cellular communications.
Step 302 is obtained deduction gold or discount information;
Particularly, the electronic ticket that two-dimension code label, NFC label or RFID label on the paper ticket that the scanning payer provides or reception paying party terminal send is to obtain deduction gold or the discount information in described two-dimension code label, NFC label, RFID label or the electronic ticket;
Step 304 generates bill information;
Particularly, draw actual amount payable according to described deduction gold or discount information, and in actual amount payable greater than zero the time, generate bill information, described actual amount payable equals the original amount payable product that differ from or equal original amount payable and described discount golden with described deduction;
Step 306 sends bill information;
Particularly, described bill information is sent to paying party terminal or transaction system.
Be noted that the order between described step 300 and the step 302 is arbitrarily.
Preferably, described mixing cashing method also comprises from payer terminal (also being called the paying party terminal) reception eCheck.
Preferably, described mixing cashing method also comprises by described communication and receives invoice new line information from the payer terminal, and described invoice new line information is sent to receipt printer.
Preferably, described mixing cashing method also comprises: described eCheck is issued described transaction system or other eChecks cash mechanism and cash.
Preferably, described mixing cashing method also comprises: receive expression and pay successfully or failed information.
Preferably, the described bill information that sends to the paying party terminal comprises amount payable and shroff account number; The described described bill information that sends to transaction system comprises amount payable, payment account and shroff account number.
Preferably, described transaction system can be bank transaction system, Unionpay's transaction system, third party's payment mechanism transaction system, the People's Bank's small amount payment system, the People's Bank's online payment inter-bank system for settling account, Diners Club DC(Diners Club) system for settling account, the Japanese JCB(Japan Credit Bureau of credit bureau) system for settling account, the AE(American Express of American Express) system for settling account, Master MASTERCARD system for settling account, Visa VISA system for settling account or other financial system for settling account, do not do restriction at this.Usually, described third party's payment mechanism transaction system is some and product the country one belongs to and abroad each big bank is signatory and possess the transaction supporting platform that third party's independent agency of certain strength and prestige guarantee provides.In passing through the transaction of third party's payment platform, after buyer's free choice of goods, the account of using third-party platform to provide is carried out the payment for goods payment, notifies seller's payment for goods to arrive, deliver by the third party; Behind buyer's item inspecting, just can advice and pay to the seller, the third party goes to fund seller's account again.
Preferably, described payment account information also comprises the payment cipher corresponding to described payment account; The described described bill information that sends to transaction system also comprises the payment cipher corresponding to the payment account.
Preferably, described payment cipher is numerical ciphers, character password, numerical character mixed cipher, head image information password, iris information password, speech cipher or finger print information password.
Alternatively, in the example, as follows for the utilization flow process of described finger print information: the fingerprint by the fingerprint typing module typing payer then and there on the beneficiary terminal is as payment cipher.Then can obtain by camera/for head image information or iris information, described camera/can be built in beneficiary/paying party terminal.
The embodiment of the invention is transferred accounts by electronic ticket, paper ticket, eCheck, cash the mixed payment scheme is provided, and has enriched means of payment, has improved payment efficient, has improved user's experience.
In several embodiment that the application provides, should be understood that disclosed terminal can realize by another way.For example, portable terminal embodiment described above only is schematic, for example, the division of described module, 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 modules or assembly can in conjunction with or can be integrated into another system, or some features can ignore, or do not carry out.Another point, the shown or coupling each other discussed or direct-coupling or communication connection can be by some interfaces, indirect coupling or the communication connection of device or unit can be electrically, machinery or other form.Described module as separating component explanation can or can not be physically to separate also, and the parts that show as module can be or can not be physical locations also, namely can be positioned at a place, perhaps also can be distributed on a plurality of assemblies.Can select according to the actual needs wherein some or all of module to realize the purpose of the present embodiment scheme.
In addition, each functional module in each embodiment of the present invention, assembly can be integrated in the processing unit, also can be that the independent physics of modules exists, also can two or more module integrations in a module.Above-mentioned integrated module both can adopt the form of hardware to realize, also can adopt the form of software function module or the form of software and hardware combining to realize.
If described integrated module realizes 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 embody with the form of software product, this computer software product is stored in the storage medium, comprise that some instructions are with so that a computer equipment (can be personal computer, server, the perhaps network equipment etc.) carry out all or part of step of the described method of each embodiment of the present invention.And aforesaid storage medium comprises: the various media that can be program code stored such as USB flash disk, portable hard drive, ROM (read-only memory) (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic disc or CD.
Obviously, under the prerequisite that does not depart from true spirit of the present invention and scope, the present invention described here can have many variations.Therefore, the change that all it will be apparent to those skilled in the art that all should be included within the scope that claims of the present invention contain.The present invention's scope required for protection is limited by described claims.
Claims (22)
1. one kind is mixed cash receiving terminal, it is characterized in that, described mixing cash receiving terminal comprises:
Payment account information receiver module is used for receiving the payment account information from the paying party terminal, and described payment account information comprises the payment account;
Tag scan or electronic ticket receiver module, be used for two-dimension code label, NFC label or the RFID label on the paper ticket that the scanning payer provides or receive the electronic ticket that the paying party terminal sends, to obtain deduction gold or the discount information in described two-dimension code label, NFC label, RFID label or the electronic ticket;
The bill information generation module, be used for drawing actual amount payable according to described deduction gold or discount information, and in actual amount payable greater than zero the time, generate bill information, described actual amount payable equals the product that differs from or equal original amount payable and described discount of original amount payable and described deduction gold;
The bill information sending module is used for described bill information is sent to paying party terminal or transaction system.
2. mixing cash receiving terminal according to claim 1 is characterized in that, the described bill information that sends to the paying party terminal comprises amount payable and shroff account number; The described described bill information that sends to transaction system comprises amount payable, payment account and shroff account number.
3. described mixing cash receiving terminal one of according to claim 1-2, it is characterized in that, described transaction system is bank transaction system, Unionpay's transaction system, third party's payment mechanism transaction system, the People's Bank's small amount payment system, the People's Bank's online payment inter-bank system for settling account, Diners Club DC system for settling account, the Japanese JCB of credit bureau system for settling account, the AE of American Express system for settling account, Master MASTERCARD system for settling account or Visa VISA system for settling account.
4. one of according to claim 1-2 described mixing cash receiving terminal is characterized in that, described mixing cash receiving terminal also comprises wireless communication module; Described payment account information receiver module receives the payment account information by described wireless communication module.
5. according to claim 4 mixing cash receiving terminal, it is characterized in that, described wireless communication module is near-field communication NFC module, ultra broadband UWB module, bluetooth module, purple honeybee ZIGBEE module, infrared module, Wireless Fidelity WIFI module, worldwide interoperability for microwave access Wimax module or other cellular communication module.
6. mixing cash receiving terminal according to claim 2 is characterized in that, described payment account information also comprises the payment cipher corresponding to described payment account; The described described bill information that sends to transaction system also comprises the payment cipher corresponding to the payment account.
7. one of according to claim 1-2 described mixing cash receiving terminal is characterized in that, described mixing cash receiving terminal also comprises the eCheck receiver module, is used for receiving eCheck from the paying party terminal.
8. mixing cash receiving terminal according to claim 4, it is characterized in that, described mixing cash receiving terminal also comprises invoice new line information forwarding module, is used for receiving invoice new line information by described wireless communication module from the paying party terminal, and described invoice new line information is sent to receipt printer.
9. according to claim 6 mixing cash receiving terminal is characterized in that, described payment cipher is numerical ciphers, character password, numerical character mixed cipher, head image information password, iris information password, finger print information password or speech cipher.
10. mixing cash receiving terminal according to claim 7 is characterized in that, described mixing cash receiving terminal also comprises: the eCheck sending module is used for that described eCheck is issued described transaction system or other eChecks and cashes mechanism and cash.
11. one of according to claim 1-2 described mixing cash receiving terminal is characterized in that, described mixing cash receiving terminal also comprises: the payment result receiver module is used for receiving expression and pays successfully or failed information.
12. one kind is mixed cashing method, it is characterized in that, described mixing cashing method comprises:
Receive the payment account information from the paying party terminal, described payment account information comprises the payment account;
The electronic ticket that two-dimension code label, NFC label or RFID label on the paper ticket that the scanning payer provides or reception paying party terminal send is to obtain deduction gold or the discount information in described two-dimension code label, NFC label, RFID label or the electronic ticket;
Draw actual amount payable according to described deduction gold or discount information, and in actual amount payable greater than zero the time, generate bill information, described actual amount payable equals the product that differs from or equal original amount payable and described discount of original amount payable and described deduction gold;
Described bill information is sent to paying party terminal or transaction system.
13. mixing cashing method according to claim 12 is characterized in that, the described bill information that sends to the paying party terminal comprises amount payable and shroff account number; The described bill information that sends to transaction system comprises amount payable, payment account and shroff account number.
14. described mixing cashing method one of according to claim 12-13, it is characterized in that, described transaction system is bank transaction system, Unionpay's transaction system, third party's payment mechanism transaction system, the People's Bank's small amount payment system, the People's Bank's online payment inter-bank system for settling account, Diners Club DC system for settling account, the Japanese JCB of credit bureau system for settling account, the AE of American Express system for settling account, Master MASTERCARD system for settling account or Visa VISA system for settling account.
15. one of according to claim 12-13 described mixing cashing method is characterized in that, describedly receives the payment account information from the paying party terminal, is specially: receive the payment account information by communication from the paying party terminal.
16. mixing cashing method according to claim 15, it is characterized in that, described communication is near-field communication NFC, ultra broadband UWB, bluetooth, purple honeybee ZIGBEE, infrared, Wireless Fidelity WIFI, worldwide interoperability for microwave access Wimax or other cellular communications.
17. mixing cashing method according to claim 13 is characterized in that, described payment account information also comprises the payment cipher corresponding to described payment account; The described described bill information that sends to transaction system also comprises the payment cipher corresponding to the payment account.
18. one of according to claim 12-13 described mixing cashing method is characterized in that, described mixing cashing method also comprises from the paying party terminal and receives eCheck.
19. mixing cashing method according to claim 15 is characterized in that, described mixing cashing method also comprises by described communication and receives invoice new line information from the paying party terminal, and described invoice new line information is sent to receipt printer.
20. mixing cashing method according to claim 17 is characterized in that, described payment cipher is numerical ciphers, character password, numerical character mixed cipher, head image information password, iris information password, finger print information password or speech cipher.
21. mixing cashing method according to claim 18 is characterized in that, described mixing cashing method also comprises: described eCheck is issued described transaction system or other eChecks cash mechanism and cash.
22. one of according to claim 12-13 described mixing cashing method is characterized in that, described mixing cashing method also comprises: receive expression and pay successfully or failed information.
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| CN2012103774537A CN102945578A (en) | 2012-10-08 | 2012-10-08 | Mixed cash registering terminal and method thereof |
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| CN2012103774537A CN102945578A (en) | 2012-10-08 | 2012-10-08 | Mixed cash registering terminal and method thereof |
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