CN103106756B - The means of communication and communication system - Google Patents
The means of communication and communication system Download PDFInfo
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- CN103106756B CN103106756B CN201210586995.5A CN201210586995A CN103106756B CN 103106756 B CN103106756 B CN 103106756B CN 201210586995 A CN201210586995 A CN 201210586995A CN 103106756 B CN103106756 B CN 103106756B
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Abstract
Embodiments provide the means of communication and communication system, to realize the transaction of brush/plug-in card at home.Wherein, above-mentioned communication means completes the payment of Bank Danamon card based on landline telephone payment terminal.Above-mentioned landline telephone payment terminal at least has the function of fixed telephone and the function of POS, and these means of communication comprise: landline telephone payment terminal is carried out communication by wireless Internet access mode or wiring logging-on function mode and TPOS paying centre and paid to complete Bank Danamon card.In embodiments of the present invention, landline telephone payment terminal can be arranged in house, and, landline telephone payment terminal communicates by dialing FSK modulation-demodulation technique and TPOS paying centre, like this, equipment in the landline telephone payment terminal that user just can pass through, PSTN network and FSK integrated machine equipment are connected to TPOS paying centre, thus user's directly brush/plug-in card in landline telephone payment terminal, the transaction of brush/plug-in card can be realized at home.
Description
Technical field
The present invention relates to communication technical field, in particular, relate to the means of communication and communication system.
Background technology
At present, one of the modes of payments for bank card user is by trade company POS(pointofsale) machine completes.When paying, trade company's POS reads bank card magnetic stripe/chip information and user password information, by NAC(net control device) and TPOS(ThinPOS) paying centre communicate, finally complete transaction payment by TPOS paying centre and associated bank or Third party system communication, and payment result is fed back to user.
Because user needs to complete payment by trade company's POS, and trade company's POS is generally arranged in market.Therefore, user needs to go to market to carry out brushing/plug-in card, cannot carry out brushing at home/plug-in card transaction.
Summary of the invention
In view of this, embodiments provide the means of communication and communication system, to realize the transaction of brush/plug-in card at home.
For achieving the above object, the embodiment of the present invention provides following technical scheme:
A kind of means of communication, complete Bank Danamon card based on landline telephone payment terminal and pay, described landline telephone payment terminal at least has the function of fixed telephone and the function of POS, and the described means of communication comprise:
Described landline telephone payment terminal is carried out communication by wireless Internet access mode or wiring logging-on function mode and TPOS paying centre and is paid to complete Bank Danamon card, wherein:
Described wiring logging-on function mode is based on PSTN network and N number of FSK integrated machine equipment, and the equipment in described PSTN network is connected with described N number of FSK integrated machine equipment by N bar E1 line, described N be not less than 2 positive integer; Described FSK integrated machine equipment is connected with described TPOS paying centre by Ethernet;
Described landline telephone payment terminal is carried out communication by wiring logging-on function mode and TPOS paying centre and is specifically comprised:
Described landline telephone payment terminal obtains the type of payment that user selectes, and the prompting of the operation steps corresponding to type of payment that display is selected, described type of payment comprises government utility payment, credit card repayment, bank card inquiry into balance, tops up, air ticket order, card of game points purchase, charitable contribution, Invoice Number pay, at least one in catalogue sales and lottery ticket choosing and selling, and described operation steps prompting at least comprises brush/plug-in card and points out;
After user is according to described brush/plug-in card prompting brush/slotting Bank Danamon card, described landline telephone payment terminal obtains account information corresponding to described Bank Danamon card, and described account information at least comprises card number corresponding to described Bank Danamon card;
Described landline telephone payment terminal dials according to preset number, the communication signal meeting NO7 signaling request is transferred to the equipment in described PSTN network, so that the equipment in described PSTN network selects E1 line according to load balancing rule and transfer rule, and by the E1 line selected, the communication signal of the described NO7 of meeting signaling request is transferred to corresponding FSK integrated machine equipment; The communication signal of the described NO7 of meeting signaling request at least carries account information and the type of payment information of described Bank Danamon card; Described FSK integrated machine equipment be used for by receive the communication signal meeting NO7 signaling request carry out modulating and convert to meet communication data that Ethernet protocol requires after be forwarded to the process of described TPOS paying centre, and, carry out demodulation to the communication data from TPOS paying centre and convert the communication signal meeting NO7 signaling request to sending to equipment in corresponding PSTN network, so that the communication signal meeting NO7 signaling request that the equipment interconnection in described PSTN network receives forwards;
When receive by the device forwards in described PSTN network, the communication signal that meets NO7 signaling request time, described landline telephone payment terminal carries out process and Graphics Processing result to described signal.
A kind of communication system, described communication system at least comprises landline telephone payment terminal and TPOS paying centre, described landline telephone payment terminal is carried out communication by wireless Internet access mode or wiring logging-on function mode and TPOS paying centre and is paid to complete Bank Danamon card, wherein:
When adopting wiring logging-on function mode, described communication system also comprises equipment in PSTN network and N number of FSK integrated machine equipment, and the equipment in described PSTN network is connected with described N number of FSK integrated machine equipment by N bar E1 line, described N be not less than 2 positive integer; Described FSK integrated machine equipment is connected with described TPOS paying centre by Ethernet;
Described landline telephone payment terminal comprises Tip element, POS unit, dialing communication unit and receiving element:
Described Tip element is used for, obtain the type of payment prompting of the operation steps corresponding to type of payment that also display is selected that user selectes, described type of payment comprises government utility payment, credit card repayment, bank card inquiry into balance, tops up, air ticket order, card of game points purchase, charitable contribution, Invoice Number pay, at least one in catalogue sales and lottery ticket choosing and selling, and described operation steps prompting at least comprises brush/plug-in card and points out;
Described POS unit is used for, and after user is according to described brush/plug-in card prompting brush/slotting Bank Danamon card, obtain the account information that described Bank Danamon card is corresponding, described account information at least comprises card number corresponding to described Bank Danamon card;
Described dialing communication unit is used for, dial according to preset number, the communication signal meeting NO7 signaling request is transferred to the equipment in described PSTN network, so that the equipment in described PSTN network selects E1 line according to load balancing rule and transfer rule, and by the E1 line selected, the communication signal of the described NO7 of meeting signaling request is transferred to corresponding FSK integrated machine equipment; The communication signal of the described NO7 of meeting signaling request at least carries account information and the type of payment information of described Bank Danamon card;
Described receiving element is used for, when receive by the device forwards in described PSTN network, the communication signal that meets NO7 signaling request time, described landline telephone payment terminal carries out process and Graphics Processing result to described signal;
Described FSK integrated machine equipment be used for by receive the communication signal meeting NO7 signaling request carry out modulating and convert to meet communication data that Ethernet protocol requires after be forwarded to the process of described TPOS paying centre, and, carry out demodulation to the communication data from TPOS paying centre and convert the communication signal meeting NO7 signaling request to sending to equipment in corresponding PSTN network, so that the communication signal meeting NO7 signaling request that the equipment interconnection in described PSTN network receives forwards.
Known via above-mentioned technical scheme, in embodiments of the present invention, landline telephone payment terminal is arranged in house, and, landline telephone payment terminal communicates by dialing FSK modulation-demodulation technique and TPOS paying centre, and like this, the equipment in the landline telephone payment terminal that user just can pass through, PSTN network and FSK integrated machine equipment are connected to TPOS paying centre, thus user's directly brush/plug-in card in landline telephone payment terminal, the transaction of brush/plug-in card can be realized at home.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only embodiments of the invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to the accompanying drawing provided.
The communication system architectures schematic diagram that Fig. 1 provides for the embodiment of the present invention;
The means of communication process flow diagram that Fig. 2 provides for the embodiment of the present invention;
Another process flow diagram of the means of communication that Fig. 3 provides for the embodiment of the present invention;
Another structural representation of communication system that Fig. 4 provides for the embodiment of the present invention;
The another structural representation of communication system that Fig. 5 provides for the embodiment of the present invention;
The landline telephone payment terminal structural representation that Fig. 6 provides for the embodiment of the present invention.
Embodiment
For the purpose of quoting and know, the explanation of the technical term hereinafter used, write a Chinese character in simplified form or abridge and be summarized as follows:
POS:pointofsale, point-of-sale terminal;
FSK:Frequency-shiftkeying, frequency shift keying
TPDU:TransportProtocolDataUnit, transport protocol data unit.
Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
The means of communication that the embodiment of the present invention provides, the Bank Danamon card having come at home based on communication system pays.Above-mentioned communication system at least comprises landline telephone payment terminal 4 and TPOS paying centre 3.Wherein, above-mentioned landline telephone payment terminal 4 at least has the function of normal telephone machine, and the function of POS.
Above-mentioned landline telephone payment terminal 4 is carried out communication by wireless Internet access mode or wiring logging-on function mode and TPOS paying centre 3 and is paid to complete Bank Danamon card.
Below wiring logging-on function mode is introduced.
See Fig. 1, wiring logging-on function mode based on communication system except comprising landline telephone payment terminal 4 and TPOS paying centre 3, also can comprise equipment 1 in PSTN network and N number of FSK integrated machine equipment 2(N be not less than 2 positive integer).Wherein: the equipment 1 in PSTN network is connected with N number of FSK integrated machine equipment 2 by N bar E1 line, and FSK integrated machine equipment 2 is then connected with TPOS paying centre 3 by Ethernet.In the example of fig. 1, the equipment 1 in PSTN network is connected with a FSK integrated machine equipment 2 by telecommunications E1 line, is connected with another FSK integrated machine equipment 2 by UNICOM E1 line.Also namely, in the example of fig. 1, the equipment 1 in PSTN network is connected with two FSK integrated machine equipments 2.
Based on the example of Fig. 1, see Fig. 2, landline telephone payment terminal 4 is carried out communication by wiring logging-on function mode and TPOS paying centre 3 and can specifically be comprised the steps:
S1, landline telephone payment terminal 4 obtain the type of payment that user selectes, and the prompting of the operation steps corresponding to type of payment that display is selected.
Above-mentioned type of payment can comprise government utility payment, credit card repayment, bank card inquiry into balance, tops up, air ticket order, card of game points purchase, charitable contribution, Invoice Number pay, at least one in catalogue sales and lottery ticket choosing and selling;
And the prompting of aforesaid operations step is different according to the difference of type of payment, brush/plug-in card prompting (such as bank card inquiry into balance) at least can be comprised.For payment, order, refund etc., the prompting of aforesaid operations step also can comprise Password Input prompting.
S2, user according to brush/plug-in card prompting brush/insert after Bank Danamon card, landline telephone payment terminal 4 obtains account information corresponding to Bank Danamon card.
Above-mentioned account information is different according to the difference of type of payment, operation steps prompting corresponding to the type of payment that user selectes comprises brush/plug-in card prompting but does not comprise Password Input prompting, then above-mentioned account information comprises card number corresponding to Bank Danamon card but do not comprise the password of its correspondence; And the operation steps prompting corresponding to the type of payment selected as user had both comprised brush/plug-in card prompting and comprises Password Input and point out, then above-mentioned account information had comprised card number corresponding to Bank Danamon card and password simultaneously.
S3, landline telephone payment terminal 4 are carried out dial (preset number can comprise default number and alternative number) according to preset number, equipment 1 in PSTN network is transferred to by meeting communication signal that NO7 signaling (Signaling System Number 7) requires, so that the equipment 1 in PSTN network selects E1 line according to load balancing rule and transfer rule, and by the E1 line selected, the communication signal meeting NO7 signaling request is transferred to corresponding FSK integrated machine equipment 2.
Concrete, above-mentioned load balancing rule can comprise proportional distribution or poll distributes.
If usage ratio is distributed, 1:1 can be adopted to distribute, such as, once select UNICOM E1 circuit before hypothesis, then this selects telecommunications E1 circuit.
Distribute as poll, an E1 circuit comprises 32 time slots, and except the 0th and the 15th time slot is as except signaling control and clock synchronous use, other 30 time slots are as effective Deta bearer.Poll can be carried out at effective 30 time slots of certain E1 circuit, next E1 circuit during all routes busy, can be forwarded to.
Transfer rule comprise busy turn, meet nonreply turn, meet in other turns at least one.
For example, suppose usage ratio distribution principle, and front once selection UNICOM E1 circuit, then this selects telecommunications E1 circuit.After selection telecommunications E1 circuit, if meet telecommunications E1 circuit occur all routes busy, nonreply or other in connection situation, then cannot can transfer to UNICOM E1 circuit.
Before address, preset number can comprise default number and alternative number.After landline telephone payment terminal 4 is with default number dialing, if meet all routes busy, can dial three times with default number, as three times, equal all routes busy will prepare against numerical selection code dialing.No matter be with which dial, the equipment 1 in PSTN network all can select E1 circuit according to load balancing rule and transfer rule.
It should be noted that, the communication signal of the above-mentioned NO7 of meeting signaling request that landline telephone payment terminal 4 sends at least carry user brush/insert account information and the type of payment information of Bank Danamon card; In addition, above-mentioned communication signal also can carry the security module number of landline telephone payment terminal 4.Security module number can be used for uniquely must identifying landline telephone payment terminal.
As for FSK integrated machine equipment 2, primary responsibility is undertaken modulating and converts to meet and be forwarded to TPOS paying centre 3 after Ethernet protocol requires the communication data of (being generally Tcp/ip agreement) by receiving the communication signal meeting NO7 signaling request and process in the present embodiment, and, carry out demodulation to the communication data from TPOS paying centre 3 and convert the communication signal meeting NO7 signaling request to sending to equipment 1 in corresponding PSTN network, so that the equipment 1 in PSTN network forwards the communication signal meeting NO7 signaling request received.
In addition FSK integrated machine equipment 2 also can be used for the TPDU according to communication data, judge that whether described communication data is the message of direct sending TPOS paying centre, if not, then discard processing is carried out to this communication data, if so, communication data is transmitted to the process of TPOS paying centre.
How to process communication data as TPOS paying centre 3, because it is identical with the communication data of the transmission of the commercial POS of process, belongs to prior art, be not described specifically at this.
S4, when receiving communication signal that forwarded by the equipment 1 in PSTN network, that meet NO7 signaling request, landline telephone payment terminal 4 pairs of signals carry out process Graphics Processing result.
For example, if type of payment is bank card inquiry into balance, TPOS paying centre 3 can return the communication packet carrying balance data, this communication packet is converted into the communication signal meeting NO7 signaling request by FSK integrated machine equipment 2, and is forwarded to landline telephone payment terminal 4 by the equipment 1 in PSTN network.Now, the process of landline telephone payment terminal 4 pairs of signals is extract the balance data in communication signal, and accordingly, above-mentioned " Graphics Processing result " is specially " balance data that display extracts ".
Illustrate again, if type of payment is credit card repayment, TPOS paying centre 3 can return the communication packet carrying and produce account, proceed to account, proceed to the amount of money, this communication packet is converted into the communication signal meeting SS-signaling request by FSK integrated machine equipment 2, and is forwarded to landline telephone payment terminal 4 by the equipment 1 in PSTN network.Now, the process of landline telephone payment terminal 4 pairs of signals is extract producing account, proceed to account and proceed to the amount of money in communication signal, and accordingly, above-mentioned " Graphics Processing result " is specially " display is produced account, proceeded to account and proceed to the amount of money ".
Above-mentioned steps S1-S4 is using landline telephone payment terminal 4 as executive agent.Angle as stood in communication system is seen, see Fig. 3, the above-mentioned means of communication comprise:
S301, landline telephone payment terminal 4 obtain the type of payment that user selectes, and the prompting of the operation steps corresponding to type of payment that display is selected;
S302, user according to brush/plug-in card prompting brush/insert after Bank Danamon card, landline telephone payment terminal 4 obtains account information corresponding to Bank Danamon card, and account information at least comprises card number corresponding to Bank Danamon card;
S303, landline telephone payment terminal 4 dial according to preset number, the communication signal meeting NO7 signaling request are transferred to the equipment 1 in PSTN network;
Equipment 1 in S304, PSTN network selects E1 line according to load balancing rule and transfer rule, and by the E1 line selected, the communication signal meeting NO7 signaling request is transferred to corresponding FSK integrated machine equipment 2;
S305, FSK integrated machine equipment 2 by receive the communication signal meeting NO7 signaling request carry out modulating and convert to meet communication data that Ethernet protocol requires after be forwarded to TPOS paying centre 3 and process;
S306, TPOS paying centre 3 sends communication data to FSK integrated machine equipment 2;
S307, FSK integrated machine equipment 2 carries out demodulation to the communication data from TPOS paying centre 3 and converts the communication signal meeting NO7 signaling request to sending to equipment 1 in corresponding PSTN network;
Equipment 1 in S308, PSTN network forwards the communication signal meeting NO7 signaling request received;
S309, when receiving communication signal that forwarded by the equipment 1 in PSTN network, that meet NO7 signaling request, landline telephone payment terminal 4 pairs of communication signals carry out process Graphics Processing result.
Landline telephone payment terminal 4 is arranged in house, as from the foregoing, in embodiments of the present invention, landline telephone payment terminal 4 communicates by dialing FSK modulation-demodulation technique and TPOS paying centre 3, like this, equipment 1 in the landline telephone payment terminal 4 that user just can pass through, PSTN network and FSK integrated machine equipment 2 are connected to TPOS paying centre 3, thus user's directly brush/plug-in card in landline telephone payment terminal 4, the transaction of brush/plug-in card can be realized at home.
In order to security consideration, make user's real name use bank card, landline telephone payment terminal 4 and one or several sheets Bank Danamon card can be bound.Such as, by landline telephone payment terminal 4 and A can be blocked, block B and block C and bind, if user in landline telephone payment terminal 4 the Bank Danamon card brushing/insert when not being any one in these three cards, then landline telephone payment terminal 4 prompting can not provide transactional services.
For ease of address, the Bank Danamon card of transactional services landline telephone payment terminal 4 can be provided for it to be called binding Bank Danamon card.The account information of above-mentioned binding Bank Danamon card can be prestored in landline telephone payment terminal 4.
Accordingly, " dialling according to preset number " in above-mentioned steps S3 or S303 can specifically comprise:
By user brush/insert account information corresponding to Bank Danamon card, compared with the account information of the binding Bank Danamon card prestored, when the two is consistent, dial according to preset number.
In addition, said method also can comprise: when user brush/insert account information corresponding to Bank Danamon card inconsistent with the account information of binding Bank Danamon card prestored time, point out.Such as can point out " unbundling Bank Danamon card ", or the Bank Danamon card of binding please be brushed/be inserted to prompting " " etc.
Comprise bank's card number for account information, more specifically, by such as under type, bank's card number compared:
Step one, by user brush/insert account information corresponding to Bank Danamon card and be converted into the first binary value;
Suppose that brush/insert bank's card number is 123456, each numeral of card number all can be converted into corresponding scale-of-two, such as, 1 correspondence 001,2 correspondence 010, then the first binary value that whole card number changes into is 001010011100101110.
Step two, is converted into the second binary value by the account information of the binding Bank Danamon card prestored;
According to the transform mode same with step one, the card number of binding Bank Danamon card is converted into corresponding second binary value.
Step three, generates the first cryptographic hash (cryptographic hash is fixed length binary value) according to the first binary value;
Step four, generates the second cryptographic hash according to the second binary value;
Step five, carries out XOR calculating by the first cryptographic hash and the second cryptographic hash, obtains binary computations value;
Step six, is converted into decimal value by binary computations value, when the decimal value transformed out equals 0, draws the two consistent conclusion, otherwise, draw the two inconsistent conclusion.
For example, if the first uncommon Kazakhstan value is the 10110, second uncommon Kazakhstan value is 10100, then the two XOR calculates the binary computations value of gained is 00010.Being converted into decimal value is 2, is not equal to 0, then draw the two inconsistent conclusion.
In addition, paying to realize real name, also can not prestore the account information of above-mentioned binding Bank Danamon card in landline telephone payment terminal 4, but storing the relation between each landline telephone payment terminal and user's real name in TPOS paying centre 3.When receiving the communication data from a certain landline telephone payment terminal, TPOS paying centre 3 can extract from communication data user brush/insert the card number of Bank Danamon card, and inquire about the account name corresponding to this card number to corresponding banking system.Such as, as user the bank card brushed be Construction Bank distribution, then TPOS paying centre 3 is to the banking system requesting query account name of Construction Bank.Get user brush/insert account name corresponding to Bank Danamon card after, whether its real name stored with self is compared in TPOS paying centre 3 consistent, as unanimously, then process accordingly, as inconsistent, return corresponding prompting, such as can point out " unbundling Bank Danamon card ", or the Bank Danamon card of binding please be brushed/be inserted to prompting " " etc.For realizing the above-mentioned operation performed by TPOS paying centre 3, user, when buying landline telephone payment terminal, needs the real name registering oneself.
Consider upgrade problem, when the operation steps corresponding to newly-increased type of payment or original type of payment has renewal, the above-mentioned means of communication also can comprise the steps:
Landline telephone payment terminal 4 receives the configuration data of TPOS paying centre 3 transmission by wireless Internet access mode or wiring logging-on function mode.
Above-mentioned configuration data at least can comprise the instruction number by execution sequence arrangement.
End command collection is stored, the instruction number that each end command is all corresponding unique in landline telephone payment terminal 4.Content included by end command collection can see table 1.
Visible, a corresponding terminal operation of end command.
Therefore, as long as landline telephone payment terminal 4 performs the end command corresponding to instruction in configuration data number in order, certain operation steps can sequentially be performed.
Such as, be specially by the instruction number of execution sequence arrangement in configuration data: 3F, 03,05, then landline telephone payment terminal 4 is by this operation steps performed successively:
Read magnetic track clear data-reading card number->> and read cryptographic secret data.
In addition, when needed, new terminal instruction and instruction number corresponding to new terminal instruction can also be comprised in above-mentioned configuration data.Landline telephone payment terminal 4, when receiving the configuration data comprised new terminal instruction and instruction corresponding to new terminal instruction number, needs the instruction of new instruction and its correspondence number stored in above-mentioned end command collection.
| Instruction number | End command content |
| 02 | Read TSAM card card number/code keypad sequence number |
| 03 | Read card number |
| 04 | Read magnetic track encrypt data |
| 05 | Read cryptographic secret data |
| 06 | Read number of transaction |
| 07 | Read dealing money |
| 08 | Read financial application number |
| 09 | Read business application number |
| 0A | Read the date |
| 0B | Read days |
| 0C | Read self-defined information |
| 0D | Computing information authentication code |
| 0E | Compute signature (reserving) |
| 0F | Positive information is rushed in reading |
| 10 | Reading terminals program version number |
| 11 | Reading terminals application function version number |
| 12 | Reading terminals is numbered |
| 13 | Encrypted message data (reserving) |
| 14 | Decrypted message data (reserving) |
| 15 | Extract bill payment data |
| 16 | Upgrade terminal parameter |
| 17 | Upgrade terminal security parameter |
| 18 | Upgrade menu parameter |
| 19 | Upgrade function prompt information |
| 1A | Renewal rewards theory information |
| 1B | Upgrade First page information |
| 1C | Upgrade and print masterplate record |
| 1D | Nullify TSAM card |
| 1E | Store bill |
| 1F | Upgrade miscue information |
| 20 | Store note |
| 21 | Print data |
| 22 | Display object information |
| 23 | Connection center |
| 24 | Send data |
| 25 | Receive data |
| 26 | On-hook |
| 27 | Checking phone-payment operator password |
| 28 | Authorization information authentication code |
| 29 | Hands-free dialing |
| 2A | Trade confirmation |
| 2B | Upgrade application program (reserving) |
| 2C | Magnetic stripe card/IC-card Card Reader processing instruction |
| 2D | PBOC IC-card entire flow processing instruction |
| 2E | PBOC IC-card simple flow processing instruction |
| 2F | The interim operation prompt information in center |
| 30 | Obtain Row control code |
| 31 | Shielding incoming call handling |
| 32 | Upgrade two-way authentication key |
| 33 | Option |
| 34 | Upload transaction log |
| 35 | Upload error log |
| 36 | Dynamic page instruction |
| 37 | Receive PC data |
| 38 | Send data to PC |
| 39 | To register more new key |
| 3A | IC-card transaction platform response message processing instruction |
| 3B | Read IC-card transaction results announcement information |
| 3C | Pre-dial instruction |
| 3D | Terminal management instruction |
| 3E | TMS parameter instruction |
| 3F | Read magnetic track clear data |
| 040 | Read self-defined information 2 |
| 041 | Multiple choice project |
| 042 | Upgrade menu parameter 2 |
| 043 | Area code is selected |
| 044 | Institution Code is selected |
| 045 | Initial value exports |
Table 1
Configuration data can configuration file form exist.
Based on above-mentioned end command collection, each type of payment may correspond to unique type of payment number, and each type of payment is number corresponding with a configuration file, and configuration file comprises the instruction number by execution sequence arrangement.
Like this, as long as landline telephone payment terminal 4 performs the end command corresponding to instruction in configuration file number in turn, the operation steps of the type of payment corresponding with this configuration file can just be performed in turn.
Except dial mode, see Fig. 4, above-mentioned wiring logging-on function mode also can based on the computing machine 5 of accessing Internet, linking Internet preposition 6, in addition landline telephone payment terminal 4 needs to have USB interface, now, landline telephone payment terminal 4 can be connected by USB data line with the computing machine 5 of above-mentioned accessing Internet.After executing above-mentioned steps S1, S2, the communication data (at least carrying account information and the type of payment information of Bank Danamon card) meeting Ethernet protocol requirement is sent to linking Internet preposition 6 by computing machine by landline telephone payment terminal 4, and, the communication data (TPOS paying centre 3 can send communication data directly to computing machine 5, or sends communication data by linking Internet preposition 6 to computing machine 5) from TPOS paying centre 3 is received by computing machine 5;
Preposition 6 of above-mentioned linking Internet can be used for, and according to the TPDU of communication data, judges that whether described communication data is the message of direct sending TPOS paying centre, if not, then discard processing is carried out to communication data, if so, communication data is transmitted to TPOS paying centre 3 and processes;
The process of the 3 pairs of communication datas in TPOS paying centre comprises: judge whether the terminal that communication data is corresponding is legal terminal, if so, then carries out corresponding payment processes for type of payment, otherwise abandons this communication data according to security module number.
For wireless Internet access mode, refer to Fig. 5, above-mentioned landline telephone payment terminal 4 can arrange wireless communication interface, executing above-mentioned steps S1, after S2, landline telephone payment terminal 4 is by wireless communication interface access of radio network, the communication data (at least carrying account information and the type of payment information of Bank Danamon card) meeting wireless protocols requirement is sent to linking Internet preposition 6, and receive from the communication data of TPOS paying centre 3 that (TPOS paying centre 3 can send communication data directly to wireless communication interface, or send communication data by linking Internet preposition 6 to wireless communication interface,
Above-mentioned linking Internet preposition 6 can be used for the TPDU according to communication data, judge that whether described communication data is the message of direct sending TPOS paying centre, if not, then discard processing is carried out to communication data, otherwise, communication data is transmitted to TPOS paying centre 3 and processes;
The process of the 3 pairs of communication datas in TPOS paying centre can comprise: judge whether the terminal that communication data is corresponding is legal terminal, if so, then carries out corresponding payment processes for type of payment, otherwise abandons this communication data according to security module number.
Corresponding with said method, the present invention is claimed communication system also.
Above-mentioned communication system at least comprises landline telephone payment terminal and TPOS paying centre, and landline telephone payment terminal is carried out communication by wireless Internet access mode or wiring logging-on function mode and TPOS paying centre and paid to complete Bank Danamon card.
Wherein:
Still refer to Fig. 1, when adopting wiring logging-on function mode, except landline telephone payment terminal 4 and TPOS paying centre 3, above-mentioned communication system also comprises equipment 1 in PSTN network and N number of FSK integrated machine equipment 2, equipment 1 in PSTN network is connected with N number of FSK integrated machine equipment 2 by N bar E1 line, N be not less than 2 positive integer; FSK integrated machine equipment 2 is connected with TPOS paying centre 3 by Ethernet.
See Fig. 6, above-mentioned landline telephone payment terminal 4 comprises Tip element 41, POS unit 42, dialing communication unit 43 and receiving element 44:
Tip element 41 for, obtain the type of payment selected of user and the selected prompting of the operation steps corresponding to type of payment of display.
Wherein, type of payment comprises government utility payment, credit card repayment, bank card inquiry into balance and at least one in topping up, and operation steps prompting at least comprises brush/plug-in card prompting.
POS unit 42 for, user according to brush/plug-in card prompting brush/insert after Bank Danamon card, obtain the account information that Bank Danamon card is corresponding, account information at least comprises card number corresponding to Bank Danamon card.
Dialing communication unit 43 for, dial according to preset number, the communication signal meeting NO7 signaling request is transferred to the equipment 1 in PSTN network, so that the equipment 1 in PSTN network selects E1 line according to load balancing rule and transfer rule, and by the E1 line selected, the communication signal meeting NO7 signaling request is transferred to corresponding FSK integrated machine equipment 2.
Receiving element 44 for, when receiving communication signal that forwarded by the equipment 1 in PSTN network, that meet NO7 signaling request, landline telephone payment terminal 4 pairs of signals carry out process Graphics Processing result.
The function of FSK integrated machine equipment 2 can see foregoing description, and therefore not to repeat here.
In other embodiments of the present invention, the landline telephone payment terminal 4 in above-mentioned all embodiments also can comprise storer, can be previously stored with the account information of binding Bank Danamon card in storer.
Accordingly, above-mentioned " dialling according to preset number " specifically comprises:
By user brush/insert account information corresponding to Bank Danamon card, compared with the account information of the binding Bank Danamon card prestored in memory, when the two is consistent, dial according to preset number.As for how to compare, can see this paper foregoing description, therefore not to repeat here.
In other embodiments of the present invention, landline telephone payment terminal 4 in above-mentioned all embodiments also can comprise USB unit, in addition, still refer to Fig. 4, above-mentioned communication system also can comprise computing machine 5 and the linking Internet preposition 6 of accessing Internet, and the USB unit of landline telephone payment terminal 4 is connected by USB data line with the computing machine of accessing Internet.
The Main Function of USB unit is, by computing machine, the communication data (at least carrying account information and the type of payment information of Bank Danamon card) meeting Ethernet protocol requirement is sent to linking Internet preposition 6, and, the communication data (TPOS paying centre 3 can send communication data directly to computing machine 5, or sends communication data by linking Internet preposition 6 to computing machine 5) from TPOS paying centre 3 is received by computing machine 5;
Preposition 6 of above-mentioned linking Internet can be used for, and according to the TPDU of communication data, judges that whether described communication data is the message of direct sending TPOS paying centre, if not, then discard processing is carried out to communication data, if so, communication data is transmitted to TPOS paying centre 3 and processes;
The process of the 3 pairs of communication datas in TPOS paying centre comprises: judge whether the terminal that communication data is corresponding is legal terminal, if so, then carries out corresponding payment processes for type of payment, otherwise abandons this communication data according to security module number.
For wireless Internet access mode, above-mentioned landline telephone payment terminal 4 can arrange wireless communication interface, still refer to Fig. 5, above-mentioned communication system also can comprise linking Internet preposition 6, landline telephone payment terminal 4 is by wireless communication interface access of radio network, the communication data (at least carrying account information and the type of payment information of Bank Danamon card) meeting wireless protocols requirement is sent to linking Internet preposition 6, and receive from the communication data of TPOS paying centre 3 that (TPOS paying centre 3 can send communication data directly to wireless communication interface, or send communication data by linking Internet preposition 6 to wireless communication interface,
Above-mentioned linking Internet preposition 6 can be used for the TPDU according to communication data, judge that whether described communication data is the message of direct sending TPOS paying centre, if not, then discard processing is carried out to communication data, otherwise, communication data is transmitted to TPOS paying centre 3 and processes;
The process of the 3 pairs of communication datas in TPOS paying centre can comprise: judge whether the terminal that communication data is corresponding is legal terminal, if so, then carries out corresponding payment processes for type of payment, otherwise abandons this communication data according to security module number.
In this instructions, each embodiment adopts the mode of going forward one by one to describe, and what each embodiment stressed is the difference with other embodiments, between each embodiment identical similar portion mutually see.
The software module that the method described in conjunction with embodiment disclosed herein or the step of algorithm can directly use hardware, processor to perform, or the combination of the two is implemented.Software module can be placed in the storage medium of other form any known in random access memory (RAM), ROM (read-only memory) (ROM), electrically programmable ROM, electrically erasable ROM, hard disk, moveable magnetic disc, CD-ROM or technical field.
To the above-mentioned explanation of the disclosed embodiments, professional and technical personnel in the field are realized or uses the present invention.To be apparent for those skilled in the art to the multiple amendment of these embodiments, General Principle as defined herein can without departing from the spirit or scope of the present invention, realize in other embodiments.Therefore, the present invention can not be restricted to these embodiments shown in this article, but will meet the widest scope consistent with principle disclosed herein and features of novelty.
Claims (10)
1. means of communication, is characterized in that, complete Bank Danamon card based on landline telephone payment terminal and pay, described landline telephone payment terminal at least has the function of fixed telephone and the function of POS, and the described means of communication comprise:
Described landline telephone payment terminal is carried out communication by wiring logging-on function mode and TPOS paying centre and is paid to complete Bank Danamon card, and described TPOS is ThinPointOfSale, wherein:
Described wiring logging-on function mode is based on the equipment in PSTN network and N number of FSK integrated machine equipment, and the equipment in described PSTN network is connected with described N number of FSK integrated machine equipment respectively by N bar E1 line, described N be not less than 2 positive integer; Described FSK integrated machine equipment is connected with described TPOS paying centre by Ethernet;
Described landline telephone payment terminal is carried out communication by wiring logging-on function mode and TPOS paying centre and is specifically comprised:
Described landline telephone payment terminal obtains the type of payment that user selectes, and the prompting of the operation steps corresponding to type of payment that display is selected, described type of payment comprises government utility payment, credit card repayment, bank card inquiry into balance, tops up, air ticket order, card of game points purchase, charitable contribution, Invoice Number pay, at least one in catalogue sales and lottery ticket choosing and selling, and described operation steps prompting at least comprises brush/plug-in card and points out;
After user is according to described brush/plug-in card prompting brush/slotting Bank Danamon card, described landline telephone payment terminal obtains account information corresponding to described Bank Danamon card, and described account information at least comprises card number corresponding to described Bank Danamon card;
Described landline telephone payment terminal dials according to preset number, the communication signal meeting NO7 signaling request is transferred to the equipment in described PSTN network, so that the equipment in described PSTN network selects E1 line according to load balancing rule and transfer rule, and by the E1 line selected, the communication signal of the described NO7 of meeting signaling request is transferred to corresponding FSK integrated machine equipment; The communication signal of the described NO7 of meeting signaling request at least carries account information and the type of payment information of described Bank Danamon card; Described FSK integrated machine equipment be used for by receive the communication signal meeting NO7 signaling request carry out modulating and convert to meet communication data that Ethernet protocol requires after be forwarded to the process of described TPOS paying centre, and, carry out demodulation to the communication data from TPOS paying centre and convert the communication signal meeting NO7 signaling request to sending to equipment in corresponding PSTN network, so that the communication signal meeting NO7 signaling request that the equipment interconnection in described PSTN network receives forwards;
When receive by the device forwards in described PSTN network, the communication signal that meets NO7 signaling request time, described landline telephone payment terminal carries out process and Graphics Processing result to described communication signal;
Wherein, described preset number comprises default number and alternative number;
After described landline telephone payment terminal is with default number dialing, if meet all routes busy, then dial three times again with described default number, as three equal all routes busies then with as described in alternative number dial.
2. the method for claim 1, is characterized in that,
Described load balancing rule comprises proportional distribution or poll distributes;
Described transfer rule comprise busy turn, meet nonreply turn at least one.
3. method as claimed in claim 1 or 2, is characterized in that:
The account information of binding Bank Danamon card is previously stored with in described landline telephone payment terminal;
Described carry out dialling according to preset number specifically comprise:
By user brush/insert account information corresponding to Bank Danamon card, compared with the account information of the binding Bank Danamon card prestored, when the two is consistent, dial according to preset number.
4. method as claimed in claim 3, is characterized in that, described by user brush/insert account information corresponding to Bank Danamon card, specifically comprise compared with the account information of the binding Bank Danamon card prestored:
By user brush/insert account information corresponding to Bank Danamon card and be converted into the first binary value;
The account information of the described binding Bank Danamon card prestored is converted into the second binary value;
The first cryptographic hash is generated according to described first binary value;
The second cryptographic hash is generated according to described second binary value;
Described first cryptographic hash and the second cryptographic hash are carried out XOR calculating, obtains binary computations value;
Described binary computations value is converted into decimal value, when the decimal value transformed out equals 0, draws the two consistent conclusion, otherwise, draw the two inconsistent conclusion.
5. the method for claim 1, is characterized in that, stores end command collection in described landline telephone payment terminal, the instruction number that each end command is all corresponding unique, and the described means of communication also comprise:
When the operation steps corresponding to newly-increased type of payment or original type of payment has renewal, described landline telephone payment terminal receives the configuration data of described TPOS paying centre transmission by wiring logging-on function mode, and described configuration data at least comprises the instruction number by execution sequence arrangement.
6. the method for claim 1, it is characterized in that, described landline telephone payment terminal has USB interface, described wiring logging-on function mode also can based on the computing machine of accessing Internet and linking Internet preposition, described landline telephone payment terminal is connected by USB data line with the computing machine of described accessing Internet, and described landline telephone payment terminal is carried out communication by wiring logging-on function mode and TPOS paying centre and specifically comprised:
Described landline telephone payment terminal obtains the type of payment that user selectes, and shows the corresponding operation steps prompting of described type of payment;
After user is according to described brush/plug-in card prompting brush/slotting Bank Danamon card, described landline telephone payment terminal obtains account information corresponding to described Bank Danamon card, and described account information at least comprises card number corresponding to described Bank Danamon card;
Described landline telephone payment terminal sends to linking Internet preposition by the computing machine of accessing Internet by meeting the communication data that Ethernet protocol requires, and, the communication data from TPOS paying centre is received by the computing machine of accessing Internet, described linking Internet is preposition for the TPDU according to communication data, judge that whether described communication data is the message of direct sending TPOS paying centre, if not, then discard processing is carried out to this communication data, if so, then communication data is transmitted to the process of TPOS paying centre;
The described communication data meeting Ethernet protocol requirement at least carries account information and the type of payment information of described Bank Danamon card.
7. the method for claim 1, is characterized in that, described landline telephone payment terminal has wireless communication interface, and landline telephone payment terminal is carried out communication by wireless Internet access mode and TPOS paying centre and specifically comprised:
Described landline telephone payment terminal obtains the type of payment that user selectes, and shows the corresponding operation steps prompting of described type of payment;
After user is according to described brush/plug-in card prompting brush/slotting Bank Danamon card, described landline telephone payment terminal obtains account information corresponding to described Bank Danamon card, and described account information at least comprises card number corresponding to described Bank Danamon card;
Described landline telephone payment terminal is by described wireless communication interface access of radio network, send to linking Internet preposition the communication data meeting wireless protocols requirement, and, the communication data from TPOS paying centre is received by described wireless communication interface, described linking Internet is preposition for the TPDU according to communication data, judge that whether described communication data is the message of direct sending TPOS paying centre, if not, then discard processing is carried out to this communication data, if so, communication data is transmitted to the process of TPOS paying centre;
The described communication data meeting wireless protocols requirement at least carries account information and the type of payment information of described Bank Danamon card.
8. a communication system, it is characterized in that, described communication system at least comprises landline telephone payment terminal and TPOS paying centre, described landline telephone payment terminal is carried out communication by wiring logging-on function mode and TPOS paying centre and is paid to complete Bank Danamon card, described TPOS is ThinPointOfSale, wherein:
When adopting wiring logging-on function mode, described communication system also comprises equipment in PSTN network and N number of FSK integrated machine equipment, equipment in described PSTN network is connected with described N number of FSK integrated machine equipment respectively by N bar E1 line, described N be not less than 2 positive integer; Described FSK integrated machine equipment is connected with described TPOS paying centre by Ethernet;
Described landline telephone payment terminal comprises Tip element, POS unit, dialing communication unit and receiving element:
Described Tip element is used for, obtain the type of payment prompting of the operation steps corresponding to type of payment that also display is selected that user selectes, described type of payment comprises government utility payment, credit card repayment, bank card inquiry into balance, tops up, air ticket order, card of game points purchase, charitable contribution, Invoice Number pay, at least one in catalogue sales and lottery ticket choosing and selling, and described operation steps prompting at least comprises brush/plug-in card and points out;
Described POS unit is used for, and after user is according to described brush/plug-in card prompting brush/slotting Bank Danamon card, obtain the account information that described Bank Danamon card is corresponding, described account information at least comprises card number corresponding to described Bank Danamon card;
Described dialing communication unit is used for, dial according to preset number, the communication signal meeting NO7 signaling request is transferred to the equipment in described PSTN network, so that the equipment in described PSTN network selects E1 line according to load balancing rule and transfer rule, and by the E1 line selected, the communication signal of the described NO7 of meeting signaling request is transferred to corresponding FSK integrated machine equipment; The communication signal of the described NO7 of meeting signaling request at least carries account information and the type of payment information of described Bank Danamon card; Wherein, described preset number comprises default number and alternative number; After described landline telephone payment terminal is with default number dialing, if meet all routes busy, then dial three times again with described default number, as three equal all routes busies then with as described in alternative number dial;
Described receiving element is used for, when receive by the device forwards in described PSTN network, the communication signal that meets NO7 signaling request time, described landline telephone payment terminal carries out process and Graphics Processing result to described communication signal;
Described FSK integrated machine equipment be used for by receive the communication signal meeting NO7 signaling request carry out modulating and convert to meet communication data that Ethernet protocol requires after be forwarded to the process of described TPOS paying centre, and, carry out demodulation to the communication data from TPOS paying centre and convert the communication signal meeting NO7 signaling request to sending to equipment in corresponding PSTN network, so that the communication signal meeting NO7 signaling request that the equipment interconnection in described PSTN network receives forwards.
9. communication system as claimed in claim 8, is characterized in that:
Described landline telephone payment terminal also comprises storer, is previously stored with the account information of binding Bank Danamon card in described storer;
Described carry out dialling according to preset number specifically comprise:
By user brush/insert account information corresponding to Bank Danamon card, compared with the account information of the binding Bank Danamon card prestored, when the two is consistent, dial according to preset number.
10. communication system as claimed in claim 9, it is characterized in that, described landline telephone payment terminal also comprises USB unit, described communication system also comprise the computing machine of accessing Internet and linking Internet preposition, the USB unit of described landline telephone payment terminal is connected by USB data line with the computing machine of described accessing Internet;
Described USB unit is used for, send to described linking Internet preposition by the computing machine of accessing Internet by meeting the communication data that Ethernet protocol requires, and, receive the communication data from described TPOS paying centre by the computing machine of accessing Internet, described in meet Ethernet protocol requirement communication data at least carry account information and the type of payment information of described Bank Danamon card;
Described linking Internet is preposition for the TPDU according to communication data, judge that whether described communication data is the message of direct sending TPOS paying centre, if not, then discard processing is carried out to this communication data, if so, then communication data is transmitted to the process of TPOS paying centre.
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| CN201210586995.5A CN103106756B (en) | 2012-12-28 | 2012-12-28 | The means of communication and communication system |
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| CN201210586995.5A CN103106756B (en) | 2012-12-28 | 2012-12-28 | The means of communication and communication system |
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| CN103106756B true CN103106756B (en) | 2016-02-10 |
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| CN105354705A (en) * | 2015-11-26 | 2016-02-24 | 中国建设银行股份有限公司 | Wire telephone payment terminal and safety authentication method, correlation server and system for wire telephone payment terminal |
| CN105844817A (en) * | 2016-03-23 | 2016-08-10 | 上海易码信息科技有限公司 | Remote offline financial card payment method used in NFC POC terminals |
| CN105741100A (en) * | 2016-03-23 | 2016-07-06 | 上海易码信息科技有限公司 | Remote off-line financial card payment system for NFC POS terminal |
| CN106209888B (en) * | 2016-07-25 | 2019-06-04 | 银联商务有限公司 | A kind of information transferring method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN100498853C (en) * | 2005-04-30 | 2009-06-10 | 深圳市证通金信科技有限公司 | Bank terminal using fixed telephone network communication and its construction method |
| CN101377839A (en) * | 2008-09-22 | 2009-03-04 | 中国建设银行股份有限公司 | Method and apparatus for transacting transfer and settlement of accounts through wired network |
| CN201341169Y (en) * | 2009-01-08 | 2009-11-04 | 沈逸林 | Multifunctional media phone terminal |
| KR20110061694A (en) * | 2009-12-02 | 2011-06-10 | 민초흥 | Pos system based in 3g |
| CN102123083B (en) * | 2011-01-17 | 2016-05-25 | 广州中道电子科技有限公司 | A kind of intelligent use network |
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