CN103198400B - A kind of blue teeth wireless POS terminal financial payment systems and method of payment thereof - Google Patents
A kind of blue teeth wireless POS terminal financial payment systems and method of payment thereof Download PDFInfo
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- CN103198400B CN103198400B CN201310067643.3A CN201310067643A CN103198400B CN 103198400 B CN103198400 B CN 103198400B CN 201310067643 A CN201310067643 A CN 201310067643A CN 103198400 B CN103198400 B CN 103198400B
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Abstract
The invention discloses a kind of blue teeth wireless POS terminal financial payment systems in financial payment field and method of payment thereof, this system comprises smart machine, blue teeth wireless POS terminal, POSP access platform, payment and settlement system, the method comprises the following steps: initiate payment transaction operation in smart machine client, connect blue teeth wireless POS terminal by smart machine bluetooth module, obtained encryption by blue teeth wireless POS terminal and organized user's financial business data of wrapping; Smart machine by ciphertext business datum by POSP access platform receive unpack and on deliver to payment and settlement system; Payment and settlement system returns to by POSP access platform the information that smart machine payment transaction completes; Smart machine sends transaction slip print data, and blue teeth wireless POS prints bill, completes payment, the invention enables payment more convenient, can be used in the on-site payment of the industries such as logistics, insurance, electric business.
Description
Technical field
The present invention relates to a kind of payment system, particularly a kind of wireless POS payment system and method for payment, belong to financial payment field.
Background technology
Along with in recent years, the develop rapidly of wireless communication technology, mobile phone has become one of topmost mode of people's communication.Popularizing of mobile phone terminal, thus facilitate constantly improving and progress of cell phone system, smart mobile phone progressively becomes main product, also promotes the fast development of intelligent PAD equipment application.The development platform of smart mobile phone and intelligent PAD device software mainly comprises Microsoft WindowsMobile, apple iOS, Google Andriod etc.
Bluetooth is the radiotelegraphy of a kind of support equipment short haul connection (general 10m in), can carry out wireless messages exchange comprising between numerous equipment such as mobile phone, PDA, wireless headset, notebook computer, related peripherals." bluetooth " technology of utilization, can communication effectively between simplified intelligent terminal device, thus data are transmitted become easier, efficient rapidly.At present, Bluetooth function one of basic function becoming smart machine.
POS(pointofsale) be a kind of multi-functional point of sales terminal, the franchised business being generally arranged on credit card is unified into network with accepting in site with computing machine, electronic funds automatic account transfer can be realized, there is the financial functions such as consumption, pre-authorization, inquiry into balance and account transfer.
Integrate the powerful application function of smart machine and processing power, blue-tooth technology and POS financial payment function, in conjunction with the business data transmission passage of safety, realize innovation traditional financial being paid to POS business model, meet the on-site payment demand of the industries such as logistics, insurance, electric business, this is the problem that the present invention needs to solve.
Summary of the invention
The object of this invention is to provide a kind of blue teeth wireless POS terminal financial payment systems and method of payment thereof, its structure is simple, and makes payment more convenient.
The object of the present invention is achieved like this: a kind of blue teeth wireless POS terminal financial payment systems and method of payment thereof, this system comprises smart machine, blue teeth wireless POS terminal, POSP access platform, payment and settlement system, described smart machine carries out exchanges data with blue teeth wireless POS terminal, POSP access platform respectively, and described POSP access platform also carries out exchanges data with payment and settlement system; This method of payment comprises the following steps: (a) initiates payment transaction operation in smart machine client, connects blue teeth wireless POS terminal by smart machine bluetooth module, has obtained encryption and organize user's financial business data of wrapping by blue teeth wireless POS terminal; (b) smart machine by ciphertext business datum by POSP access platform receive unpack and on deliver to payment and settlement system; C () payment and settlement system returns to by POSP access platform the information that smart machine payment transaction completes; D () smart machine sends transaction slip print data, blue teeth wireless POS prints bill, completes payment.
Compared with prior art, beneficial effect of the present invention is, the present invention uses smart machine to be connected with blue teeth wireless POS terminal, payment and settlement system is connected by POSP access platform, realize quick wireless electron to pay, conveniently can realize the operation of financial payment anywhere or anytime, trade company only needs to carry out simple key-press input on smart machine, just can complete payment transaction by automatic connection of Bluetooth wireless POS, do not need too much troublesome operation, in business procedure, data transmission adopts the safety encipher mode of registering with bidirectional authentication mechanism and one-time pad, thus guarantee information transmission is safe and reliable, the present invention sets up POSP access platform to manage smart mobile phone and bluetooth cellular phone POS terminal, complete data message encryption and decryption, control information data send the transport service logic of both sides, further increase the security of payment.The present invention can be used in the on-site payment of the industries such as logistics, insurance, electric business.
As improvement of the present invention, described smart machine comprise use Microsoft WindowsMobile, apple iOS, Google Andriod operating system smart mobile phone and possess the intelligent PAD equipment of wireless data communication function.Make it cover main flow cell phone system of the prior art, operation of the present invention is used convenient.
In order to increase security performance during of the present invention use, described blue teeth wireless POS terminal comprise have meet IEEE802.15.1a standard bluetooth communication module, have complete financial function module and there is safety assessment certification and the POS of networking qualification of Unionpay's accreditation.
In order to make payment process of the present invention more reliable, smart machine client is further comprising the steps of before initiating payment transaction operation: smart machine client and POSP access platform use the HTTPS agreement of bidirectional safe to carry out data transmission; Smart machine client is initiated to register to POSP access platform, client is sent temporary key index and odd-job key; POSP access platform completes the foundation of odd-job key file; The interaction data of smart machine client and POSP access platform adopts odd-job secret key encryption transmission.
As improvement of the present invention, smart machine bluetooth is further comprising the steps of before connecting blue teeth wireless POS terminal: blue teeth wireless POS terminal opens bluetooth module; Smart machine and blue teeth wireless POS terminal complete Bluetooth pairing and binding, set up bluetooth physical link.Make connection reliably convenient.
In order to improve safety and the reliability of payment process further, blue teeth wireless POS terminal is further comprising the steps of before having obtained user's financial business data of encrypting and wrapping with group: it is mutual that smart machine and blue teeth wireless POS terminal complete two-way authentication; Blue teeth wireless POS terminal produces temporary access road key, and smart machine displacement upgrades channel keys; Blue teeth wireless POS terminal and smart machine use temporary access road secret key encryption transport service interaction data.
Payment information is understood in time in order to make user, smart machine by ciphertext business datum by POSP access platform receive unpack and on deliver to payment and settlement system after further comprising the steps of: payment and settlement system receives service resolution order, the information processing of execution business account, produces service processing result.
Accompanying drawing explanation
Fig. 1 is the structural representation of payment system in the present invention.
Fig. 2 is method of payment realization flow schematic diagram in the present invention.
Embodiment
A kind of blue teeth wireless POS terminal financial payment systems as shown in Figure 1, comprise smart machine, blue teeth wireless POS terminal, POSP access platform, payment and settlement system, smart machine carries out exchanges data with blue teeth wireless POS terminal, POSP access platform respectively, POSP access platform also carries out exchanges data with payment and settlement system, smart machine comprise use Microsoft WindowsMobile, apple iOS, Google Andriod operating system smart mobile phone and possess the intelligent PAD equipment of wireless data communication function.Make it cover main flow cell phone system of the prior art, blue teeth wireless POS terminal comprise have meet IEEE802.15.1a standard bluetooth communication module, have complete financial function module and there is safety assessment certification and the POS of networking qualification of Unionpay's accreditation.
A kind of blue teeth wireless POS terminal financial payment method as described in Figure 2, comprises following performing step:
Step 101-106 is the pairing of smart machine and blue teeth wireless POS, two-way authentication and channel keys Establishing process, complete the application initializes of blue teeth wireless POS terminal, step 201-203 is the flow process setting up wireless telecommunications secure transmission tunnel, and step 301-313 is the flow process of payment transaction data interaction.
User must mounting software module on smart machine in advance, realizes the guiding of operation flow and the reception of information data and transmission, when user needs to pay:
Step 101, user opens blue teeth wireless POS terminal power supply, opens smart machine bluetooth module, carries out bluetooth equipment search;
Step 102, obtains bluetooth equipment information, input password, completes bluetooth equipment pairing, sets up bluetooth communication data link;
Step 103, smart machine and blue teeth wireless POS terminal carry out two-way authentication by bluetooth communication link;
Step 104, blue teeth wireless POS terminal generates the temporary access road key of one-time pad, is synchronously temporarily saved in smart machine;
Step 105, sends inquiry message order to blue teeth wireless POS terminal
Step 106, blue teeth wireless POS terminal returns status information after terminal ownship information and initialization;
Step 201, smart machine, by software module, initiates to POSP access platform the request of registering according to HTTPS agreement;
Step 202, POSP connects after platform becomes authentication, sets up odd-job key;
Step 203, POSP access platform returns object information of registering;
Step 301, initiates payment transaction operation by the software module on smart machine, completes payment and require that information inputs;
Step 302, sends blue teeth wireless POS terminal and obtains subscriber card information requirements, comprise card number, password etc.;
Step 303, blue teeth wireless POS terminal carries out operation of swiping the card, and blue teeth wireless POS terminal completes card number, Password Input, carries out data group packet encryption;
Step 304, blue teeth wireless POS terminal delivers to smart machine by enciphered data;
Step 305, smart machine completes receives data packets process, reaffirms payment information;
Step 306, smart machine is submitted to POSP access platform and is paid request msg;
Step 307, payment data is issued bank's backstage payment and settlement system by special line by POSP access platform after data unpack;
Step 308, the accounting of payment and settlement system completing user payment data with determine, complete and withhold;
Step 309, payment and settlement system returns payment and settlement result to POSP access platform;
Step 310, POSP access platform returns payment result to smart machine;
Step 311, smart machine is initiated to pay strip to blue teeth wireless POS terminal and is printed requirement;
Step 312, blue teeth wireless POS terminal carries out bill printing;
Step 313, blue teeth wireless POS terminal returns print result information.
The present invention is not limited to above-described embodiment; on the basis of technical scheme disclosed by the invention; those skilled in the art is according to disclosed technology contents; do not need performing creative labour just can make some to some technical characteristics wherein to replace and distortion, these are replaced and are out of shape all in protection scope of the present invention.
Claims (1)
1. based on a method of payment for blue teeth wireless POS terminal financial payment systems, it is characterized in that, the method comprises the following steps:
A () smart machine client and POSP access platform use the HTTPS agreement of bidirectional safe to carry out data transmission; Smart machine client is initiated to register to POSP access platform, client is sent temporary key index and odd-job key; POSP access platform completes the foundation of odd-job key file; The interaction data of smart machine client and POSP access platform adopts odd-job secret key encryption transmission, initiates payment transaction operation in smart machine client;
B () blue teeth wireless POS terminal opens bluetooth module; Smart machine and blue teeth wireless POS terminal complete Bluetooth pairing and binding, set up bluetooth physical link, connect blue teeth wireless POS terminal by smart machine bluetooth module;
C () smart machine and blue teeth wireless POS terminal complete two-way authentication mutual; Blue teeth wireless POS terminal produces temporary access road key, and smart machine displacement upgrades channel keys; Blue teeth wireless POS terminal and smart machine use temporary access road secret key encryption transport service interaction data, obtained encryption and organize user's financial business data of wrapping by blue teeth wireless POS terminal;
(d) smart machine by ciphertext business datum by POSP access platform receive unpack and on deliver to payment and settlement system;
E () payment and settlement system receives service resolution order, perform the information processing of business account, produce service processing result;
F () payment and settlement system returns to by POSP access platform the information that smart machine payment transaction completes;
G () smart machine sends transaction slip print data, blue teeth wireless POS prints bill, completes payment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310067643.3A CN103198400B (en) | 2013-03-04 | 2013-03-04 | A kind of blue teeth wireless POS terminal financial payment systems and method of payment thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201310067643.3A CN103198400B (en) | 2013-03-04 | 2013-03-04 | A kind of blue teeth wireless POS terminal financial payment systems and method of payment thereof |
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| CN103198400A CN103198400A (en) | 2013-07-10 |
| CN103198400B true CN103198400B (en) | 2016-04-20 |
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| CN103383761A (en) * | 2013-07-24 | 2013-11-06 | 捷德（中国）信息科技有限公司 | Mobile phone bluetooth accessory device |
| CN104700262B (en) * | 2013-12-10 | 2019-01-18 | 中国银联股份有限公司 | A kind of payment system based on NFC mobile terminal and POS terminal |
| CN103929297B (en) * | 2014-04-17 | 2017-05-17 | 福建联迪商用设备有限公司 | Communication method, encryption method and device for POS and mobile terminal and POS |
| CN103945067B (en) * | 2014-04-29 | 2015-11-11 | 山东神思电子技术股份有限公司 | The Internet financial terminal and the method for information interaction is realized by mobile phone |
| CN104077688A (en) * | 2014-06-09 | 2014-10-01 | 中国建设银行股份有限公司 | Internet payment method based on IC card and relevant device |
| CN104537562A (en) * | 2015-01-12 | 2015-04-22 | 广州广电运通金融电子股份有限公司 | Financial self-service system processing method |
| CN104881779A (en) * | 2015-06-17 | 2015-09-02 | 恒宝股份有限公司 | Device, system, and method for mobile convergence payment |
| CN104952164A (en) * | 2015-06-26 | 2015-09-30 | 深圳国微技术有限公司 | IoT (Internet of Things) multifunctional mobile POS (point of sale) and transaction payment system |
| CN105139192A (en) * | 2015-07-31 | 2015-12-09 | 腾讯科技（深圳）有限公司 | Electronic resource processing method, apparatus and server |
| CN105530241B (en) * | 2015-12-07 | 2018-12-28 | 咪付（广西）网络技术有限公司 | The authentication method of mobile intelligent terminal and POS terminal |
| CN105611488A (en) | 2015-12-31 | 2016-05-25 | 福建联迪商用设备有限公司 | Automatic Bluetooth connection method and master device, slave device and system |
| CN106022755A (en) * | 2016-05-13 | 2016-10-12 | 深圳市欧乐在线技术发展有限公司 | Future communication payment system based on signaling network |
| CN106228710A (en) * | 2016-07-21 | 2016-12-14 | 恒宝股份有限公司 | A kind of bank card individual's accepting terminal and using method |
| CN106354445B (en) * | 2016-08-30 | 2019-10-22 | 福建联迪商用设备有限公司 | Method of printing and its system based on virtual bluetooth equipment |
| CN107221111B (en) * | 2017-05-26 | 2018-07-13 | 深圳飞人网络信息技术有限公司 | Near field wireless POS devices, near field method of mobile payment and system |
| CN107358430A (en) * | 2017-05-31 | 2017-11-17 | 广东工业大学 | A kind of traffic payment system and method based on bluetooth |
| WO2019234699A1 (en) | 2018-06-08 | 2019-12-12 | Reliance Jio Infocomm Limited | System and method for wireless payment |
| CN111627174A (en) * | 2019-02-28 | 2020-09-04 | 南京摩铂汇信息技术有限公司 | Bluetooth POS equipment and payment system |
| CN114038132A (en) * | 2021-11-11 | 2022-02-11 | 武汉天喻信息产业股份有限公司 | Offline collection terminal, system and collection and cash withdrawal method based on internet access |
| CN117078243B (en) * | 2023-10-16 | 2024-01-30 | 福建联迪商用设备有限公司 | Distributed payment processing method, system and electronic equipment |
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| WO2010042560A2 (en) * | 2008-10-06 | 2010-04-15 | Vivotech, Inc. | Systems, methods, and computer readable media for payment and non-payment virtual card transfer between mobile devices |
| CN101937539A (en) * | 2009-07-02 | 2011-01-05 | 北京爱奥时代信息科技有限公司 | Mobile phone payment method and system |
| CN102419846A (en) * | 2011-12-30 | 2012-04-18 | 快钱支付清算信息有限公司 | Point of sale (POS) network-based non-near-field payment system and method |
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