CN103295345A - POS machine system and POS machine server - Google Patents

POS machine system and POS machine server Download PDF

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Publication number
CN103295345A
CN103295345A CN2012100436721A CN201210043672A CN103295345A CN 103295345 A CN103295345 A CN 103295345A CN 2012100436721 A CN2012100436721 A CN 2012100436721A CN 201210043672 A CN201210043672 A CN 201210043672A CN 103295345 A CN103295345 A CN 103295345A
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CN
China
Prior art keywords
payment
unit
pos machine
card
storage card
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Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN2012100436721A
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Chinese (zh)
Inventor
刘道斌
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Potevio Institute of Technology Co Ltd
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Potevio Institute of Technology Co Ltd
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Publication date
Application filed by Potevio Institute of Technology Co Ltd filed Critical Potevio Institute of Technology Co Ltd
Priority to CN2012100436721A priority Critical patent/CN103295345A/en
Publication of CN103295345A publication Critical patent/CN103295345A/en
Pending legal-status Critical Current

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Abstract

The invention discloses a POS machine system which comprises a POS machine server, at least one payment terminal and a storage card corresponding to the payment terminal. The POS server comprises a PSAM module and a communication module. The communication module and the payment terminals are in communication connection with a bank back terminal server. The PSAM module controls collection transactions of a plurality of payment terminals. According to the POS machine system, Only one PSAM module only needs arranging on the POS machine server, and the arrangement of one PSAM module in each storage card is not needed, so that cost is reduced, and management is convenient.

Description

A kind of POS machine system and POS machine server
Technical field
The present invention relates to communication technical field, be specifically related to a kind of POS machine system and POS machine server.
Background technology
The cashless payment system is with respect to money transaction, have safety, quick, need not small change, advantage such as health, be widely used in industries such as finance, telecommunications, traffic.Existing cashless payment method has a variety of, but mainly can be divided into two classes: a class is that payer is used magnetic card, integrated circuit card (IC Card, portable payment mechanisms such as (integrated circuit Card), radio-frequency (RF) IC card, point-of-sale terminal (POS in fixing place of business, Point of Sale) pay on the machine, the POS machine in this class scheme is connected with the POS center of bank by cable.Identical in the second class scheme in payment employed device and the first kind scheme, different is, and POS passes through the mode of off-line working or be connected with the POS center by radio communication channel, thereby makes beneficiary have certain movability.POS system, wireless POS system and the employing that for example is used for public transport has the cash collecting system etc. of the mobile intelligent terminal of POS function or radio-frequency card reader function.
In research and practice process to prior art, the present inventor finds, each POS machine front end needs to install a point of sales terminal safety control module (PSAM, Purchase Secure Access Module), could guarantee the security of gathering like this, the cost height of such POS machine.
Summary of the invention
The embodiment of the invention provides a kind of POS machine system, can make a plurality of POS machines share a PASM module, has reduced cost.The embodiment of the invention also provides corresponding POS machine server.
A kind of POS machine system, comprise: POS machine server, at least one payment terminal and the storage card corresponding with described payment terminal, described POS machine server comprises PSAM module and communication module, described communication module and payment terminal and bank's back-end server establish a communications link, a plurality of payment terminals of described PSAM module controls gathering transaction.
Preferably, described payment terminal comprises card reading unit, network communication unit, input block, writes card unit and display unit;
Described card reading unit is used for the described storage card of identification;
Described network communication unit is used for connecting with trading server after described card reading unit is read described storage card;
Described input block is used for after described network communication unit and trading server establish a communications link, and receives the command information that the user imports according to payment or gathering flow process;
The described card unit of writing is used for after described input block receives described command information described command information being inputed to storage card, so that described storage card is handled described command information, and the data that provide the user to need;
Described display unit, be used for described write card unit with described command information input storage card after, show payment or the operation information of collecting money.
Preferably, described payment terminal comprises card reader and the preposition unit of POS machine;
Described card reader is used for the described storage card of identification;
The preposition unit of described POS machine is used for establishing a communications link with described POS machine server, and after being that described POS machine server establishes a communications link, imports for the user in process of exchange, and shows Transaction Information.
Preferably, described storage card comprises transaction interface, and central processing unit and be used for the ROM (read-only memory) of control safety of payment stores the payment logic in the described ROM (read-only memory);
Receive the indicator signal of payment transaction when described transaction interface after, described central processing unit is carried out delivery operation according to the payment logic in the described ROM (read-only memory).
Preferably, described storage card also comprises static RAM and electrically-erasable ROM (read-only memory);
Described static RAM is used for buffer memory central processing unit data processed;
Described electrically-erasable ROM (read-only memory) is used for the data that storage issues from transaction interface.
Preferably, described transaction interface is safe digital interface or radio frequency interface.
A kind of POS machine server comprises: PSAM module and communication module,
Described communication module is used for establishing a communications link with payment terminal and bank's back-end server;
Described PSAM module is used in described communication module with after terminal foundation is communicated by letter, control a plurality of payment terminals payment transaction.
Preferably, described PSAM module comprises authentication ' unit,
Described authentication ' unit is used for when carrying out the gathering transaction, to authenticating of described storage card.
The embodiment of the invention provides a kind of POS machine system, comprise: POS machine server, at least one payment terminal and the storage card corresponding with described payment terminal, described POS machine server comprises PSAM module and communication module, described communication module and payment terminal and bank's back-end server establish a communications link, a plurality of payment terminals of described PSAM module controls gathering transaction.Compared with prior art, the POS machine system that the embodiment of the invention provides only needs at POS machine server a PSAM module to be set, and does not need the PSAM module is set in each storage card, has reduced cost, and has been convenient to management.
Description of drawings
Fig. 1 is an embodiment synoptic diagram of the system that provides of the embodiment of the invention;
Fig. 2 is the structural representation of the storage card in the system that provides of the embodiment of the invention;
Fig. 3 is the structural representation of the storage card in the system that provides of the embodiment of the invention;
Fig. 4 is the structural representation of the terminal in the system that provides of the embodiment of the invention;
Fig. 5 is the structural representation of the terminal in the system that provides of the embodiment of the invention;
Fig. 6 is the transaction flow figure of embodiment of the invention system;
Fig. 7 is the functional module logic relation picture of POS machine system;
Fig. 8 is the POS machine server in the embodiment of the invention.
Embodiment
The embodiment of the invention provides a kind of POS machine system, can make a plurality of POS machines share a PASM module, has reduced the cost of POS machine.The embodiment of the invention also provides corresponding POS machine server.Below be elaborated respectively.
Consult Fig. 1, the POS machine system that the embodiment of the invention provides comprises: POS machine server 30, at least one payment terminal 20 and the storage card 10 corresponding with described payment terminal 20, described POS machine server 30 comprises PSAM module 302 and communication module 301, described communication module 301 establishes a communications link with payment terminal 20 and bank's back-end server, a plurality of payment terminals 20 of described PSAM module 301 controls the gathering transaction.
The embodiment of the invention provides a kind of POS machine system, comprise: POS machine server, at least one payment terminal and the storage card corresponding with described payment terminal, described POS machine server comprises PSAM module and communication module, described communication module and payment terminal and bank's back-end server establish a communications link, a plurality of payment terminals of described PSAM module controls gathering transaction.Compared with prior art, the POS machine system that the embodiment of the invention provides only needs at POS machine server a PSAM module to be set, and does not need the PSAM module is set in each storage card, has reduced cost, and has been convenient to management.
Consult Fig. 2, the storage card 10 in the system of the embodiment of the invention comprises: transaction interface 100, and central processing unit 110 and the ROM (read-only memory) of paying for control 120 store the payment logic in the ROM (read-only memory) 120; After described transaction interface 100 received the indicator signal of payment transaction, central processing unit 110 was carried out delivery operation according to the payment logic; Transaction interface 100 in the embodiment of the invention can be contact interface or non-contact interface, as secure digital (SD, Secure Digital) interface, radio frequency (RF, Radio Frequency) interface.
Consult Fig. 3, storage card 10 in the system of the embodiment of the invention comprises: transaction interface 100, and central processing unit 110 is for the ROM (read-only memory) 120 of control safety of payment, static RAM 130 and electrically-erasable ROM (read-only memory) 140 store the payment logic in the ROM (read-only memory) 120; After described transaction interface 100 received the indicator signal of payment transaction, central processing unit 110 was according to carrying out delivery operation according to the payment logic; Described static RAM 130 is used for buffer memory central processing unit data processed; Described electrically-erasable ROM (read-only memory) 140 is used for the data that storage issues from transaction interface.
Consult Fig. 4, the terminal 20 in the system that the embodiment of the invention provides comprises: card reading unit 200, network communication unit 210, input block 220, write card unit 230 and display unit 240.
Described card reading unit 200 is used for the described storage card of identification;
Described network communication unit 210 is used for establishing a communications link with trading server after described card reading unit 200 is read described storage card;
Described input block 220 is used for after described network communication unit 210 establishes a communications link with trading server, receives the user according to the command information of payment or the input of gathering flow process;
The described card unit 230 of writing is used for after described input block 220 receives described command information described command information being inputed to storage card, so that described storage card is handled described command information, and the data that provide the user to need;
Described display unit 240, be used for described write card unit 230 with described command information input storage card after, show payment or the operation information of collecting money.
The terminal that provides in the embodiment of the invention comprises the described storage card of card reading unit 200 identifications, and network communication unit 210 establishes a communications link with trading server after described card reading unit 200 is read described storage card; Input block 220 receives the user according to the command information of payment or the input of gathering flow process after described network communication unit 210 connects with trading server; Write card unit 230 after described input block 220 receives described command information, described command information is inputed to storage card, so that described storage card is handled described command information, the data that provide the user to need; Display unit 240 described write card unit 230 with described command information input storage card after, show the operation information of payment or gathering.
Consult Fig. 5, the payment terminal 20 in the system of the present invention comprises: the preposition unit 260 of card reader 250 and POS machine;
Described card reader 250 is used for the described storage card 10 of identification;
The preposition unit 260 of described POS machine is used for establishing a communications link with described POS machine server 30, and after being that described POS machine server establishes a communications link, imports for the user in process of exchange, and shows Transaction Information.
The terminal that the embodiment of the invention provides just can realize the payment of a plurality of payment terminals under a PSAM module controls, namely reduced cost, is convenient to management again.
Consult Fig. 6, illustrate that POS machine system connects the consumer sale flow process of banking system:
Storage card in the native system, and is deposited transaction by circle and has been deposited certain amount of money to the electronic bankbook/electronic wallet application centre circle in the storage card to wherein writing electronic bankbook/electronic wallet application by financial card sending system.
Intelligent terminal in the native system has card reading unit, keyboard input block, writes the card unit, information display unit, application management software etc.Intelligent terminal can be but be not limited to fixed terminals such as intelligent mobile terminal or computing machine.The effect of intelligent terminal in native system is that memory card applications is managed, and comprises the function such as demonstration, inquiry that the application on the storage card is managed, provides button input mode in the operation flow, business information.
The preposition unit of POS machine among the present invention in fact also can be an intelligent terminal, function, wireless communication function with reading and writing memory card, the effect of the preposition unit of POS machine is input in process of exchange, shows Transaction Information, transmits by cordless communication network and pay with the authentication information between storage card and the unit, POS machine backstage, Transaction Information etc.
Can not have card reading module in the POS machine front end unit, in this case, the intelligent terminal that communicating by letter between card and the POS machine held by payer is transmitted by modes such as infrared, bluetooths.
When intelligent terminal had wireless communication ability, POS also can omit preposition unit.In this case, intelligent terminal is by cordless communication network and the unit direct communication of POS machine backstage.
Unit, POS machine backstage has by cordless communication network and the function of the preposition unit communication of POS machine and the function of communicating by letter with bank's back-end system such as POS machine center etc., PSAM module that the unit, backstage of POS machine is integrated, the PSAM module is by issued by banks and management, thereby POS machine background system has with storage card and carries out mutual authentication function, and can with storage card on bank use and to carry out (include but not limited to electronic wallet/electronic passbook use) legal transaction, produce legal transaction record.
Bank's back-end system is used for carrying out authentication, business processing and the related data processing etc. of on-line transaction processing procedure.
Consult Fig. 7, the functional module logic relation picture by POS machine of the present invention system illustrates the consumer sale process.
Wherein, the electronic wallet/electronic passbook module realizes meeting the electronic bankbook/electronic purse function of bank's standard, includes but not limited to that payer identify label, the authentication function to terminal identity, inquiry into balance, remaining sum revise and preserve functions such as aforementioned transaction record.The software that runs on the payment terminal comprises the card access modules, can comprise near-field communication module and remote radio communication module, and the application management module, can realize functions such as application choice, Transaction Information input, Transaction Information demonstration, trade confirmation.Selectable application includes but not limited to payment application, gathering application, inquiry into balance, transaction record inquiry etc.Payment is used and is included but not limited to electronic wallet application, electronic bankbook application etc.
The preposition unit of POS machine comprises card access modules, remote radio communication module, can comprise near-field communication module, realizes visit, near-field communication and remote radio communication function to card.Significant feature is to the visit of card and the communication data unit between forwarding card and the unit, POS machine backstage.
Unit, POS machine backstage has the remote radio communication function, and can conduct interviews to the PSAM module, can call the function of PSAM, realizes the mutual authentication between card and the PSAM module.
The PSAM module realize to the beneficiary identity sign, authentication function and the generation of payer identity met bank's related specifications licit traffic record.
The communication mode of storage card and PSAM module has three kinds: the one, storage card is inserted payment terminal, by remote radio communication module and the unit direct communication of POS backstage; The 2nd, storage card inserts payment terminal, by the near-field communication module between payment terminal and the preposition unit of POS, and communicates by remote radio communication module and the unit, POS backstage of the preposition unit of POS; The 3rd, storage card can be directly and the preposition unit of POS machine carry out near-field communication, communicated by the unit, backstage by its remote radio communication module and POS machine, the preposition unit of POS.
After having determined a kind of communication mode, just can carry out consumer sale.Consumer sale flow process in the native system is observed the flow process of financial industry relevant criterion defined fully.But because the message between card and the PSAM module will be transmitted by terminal and cordless communication network, therefore, in order to strengthen security, can be encrypted and message is authenticated with cipher key shared between card and the PSAM the message between card and the PSAM module, to guarantee reliability and the confidentiality of communication information.
Consult Fig. 8, the POS machine server that the embodiment of the invention provides comprises: PSAM module 302 and communication module 301.
Described communication module 301 is used for establishing a communications link with payment terminal and bank's back-end server;
Described PSAM module 302 is used in described communication module 301 with after terminal foundation is communicated by letter, control a plurality of payment terminals payment transaction.
In the embodiment of the invention, communication module 301 establishes a communications link with payment terminal and bank's back-end server; PSAM module 302 described communication module 301 and terminal set up communicate by letter after, control a plurality of payment terminals payment transaction.Compared with prior art, the PSAM module in the embodiment of the invention can be responsible for the gathering transaction of a plurality of payment terminals, has both reduced cost, is convenient to management again.
On the basis of the embodiment of above-mentioned Fig. 8 correspondence, POS machine server also comprises: authentication ' unit,
Described authentication ' unit is used for when carrying out the gathering transaction, to authenticating of described storage card.
One of ordinary skill in the art will appreciate that all or part of step in the whole bag of tricks of above-described embodiment is to finish by the relevant hardware of programmed instruction, this program can be stored in the computer-readable recording medium, and storage medium can comprise: ROM, RAM, disk or CD etc.
More than POS machine system and POS machine server that the embodiment of the invention is provided be described in detail, used specific case herein principle of the present invention and embodiment are set forth, the explanation of above embodiment just is used for helping to understand method of the present invention and core concept thereof; Simultaneously, for one of ordinary skill in the art, according to thought of the present invention, the part that all can change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention.

Claims (8)

1. POS machine system, it is characterized in that, comprise: POS machine server, at least one payment terminal and the storage card corresponding with described payment terminal, described POS machine server comprises PSAM module and communication module, described communication module and payment terminal and bank's back-end server establish a communications link, a plurality of payment terminals of described PSAM module controls gathering transaction.
2. system according to claim 1 is characterized in that, described payment terminal comprises card reading unit, network communication unit, input block, writes card unit and display unit;
Described card reading unit is used for the described storage card of identification;
Described network communication unit is used for connecting with trading server after described card reading unit is read described storage card;
Described input block is used for after described network communication unit and trading server establish a communications link, and receives the command information that the user imports according to payment or gathering flow process;
The described card unit of writing is used for after described input block receives described command information described command information being inputed to storage card, so that described storage card is handled described command information, and the data that provide the user to need;
Described display unit, be used for described write card unit with described command information input storage card after, show payment or the operation information of collecting money.
3. system according to claim 1 is characterized in that, described payment terminal comprises card reader and the preposition unit of POS machine;
Described card reader is used for the described storage card of identification;
The preposition unit of described POS machine is used for establishing a communications link with described POS machine server, and after being that described POS machine server establishes a communications link, imports for the user in process of exchange, and shows Transaction Information.
4. according to any described system of claim 1~3, it is characterized in that described storage card comprises transaction interface, central processing unit and be used for the ROM (read-only memory) of control safety of payment stores the payment logic in the described ROM (read-only memory);
Receive the indicator signal of payment transaction when described transaction interface after, described central processing unit is carried out delivery operation according to the payment logic in the described ROM (read-only memory).
5. system according to claim 4 is characterized in that, described storage card also comprises static RAM and electrically-erasable ROM (read-only memory);
Described static RAM is used for buffer memory central processing unit data processed;
Described electrically-erasable ROM (read-only memory) is used for the data that storage issues from transaction interface.
6. system according to claim 4 is characterized in that, described transaction interface is safe digital interface or radio frequency interface.
7. a POS machine server is characterized in that, comprising: PSAM module and communication module,
Described communication module is used for establishing a communications link with payment terminal and bank's back-end server;
Described PSAM module is used in described communication module with after terminal foundation is communicated by letter, control a plurality of payment terminals payment transaction.
8. server according to claim 7 is characterized in that, described PSAM module comprises authentication ' unit,
Described authentication ' unit is used for when carrying out the gathering transaction, to authenticating of described storage card.
CN2012100436721A 2012-02-22 2012-02-22 POS machine system and POS machine server Pending CN103295345A (en)

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Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105225369A (en) * 2014-06-04 2016-01-06 中国银联股份有限公司 A kind of mother and sons' POS system
CN106056803A (en) * 2016-04-14 2016-10-26 陈泽伟 Multichannel POS (Point of Sale) machine system
CN106326951A (en) * 2016-08-23 2017-01-11 广东岭南通股份有限公司 Contact smart card individualizing method and contact smart card individualizing device
CN106340142A (en) * 2016-08-11 2017-01-18 重庆键镁乐机通科技有限公司 Pos machine
CN106920348A (en) * 2017-02-20 2017-07-04 金邦达有限公司 POS, control method and control device, checkout terminal and its control method
CN107610257A (en) * 2017-08-07 2018-01-19 广州华工信息软件有限公司 A kind of PSAM arrays cryptographic calculation method of servicing, storage medium and system

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CN1808464A (en) * 2005-01-21 2006-07-26 高晶 System and method of implementing online reading of second generation of identity cards by means of shared SAM_V
CN101567109A (en) * 2009-06-03 2009-10-28 普天信息技术研究院有限公司 Device integrating payment and gathering functions, system and trade method
CN201477631U (en) * 2009-08-25 2010-05-19 福建富士通信息软件有限公司 electronic wallet payment system of RFID mobile

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1808464A (en) * 2005-01-21 2006-07-26 高晶 System and method of implementing online reading of second generation of identity cards by means of shared SAM_V
KR20050046682A (en) * 2005-04-18 2005-05-18 김병수 Method of mobile electronic purse payment service including user certification and adult certification using smart card type electronic money.
CN101567109A (en) * 2009-06-03 2009-10-28 普天信息技术研究院有限公司 Device integrating payment and gathering functions, system and trade method
CN201477631U (en) * 2009-08-25 2010-05-19 福建富士通信息软件有限公司 electronic wallet payment system of RFID mobile

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105225369A (en) * 2014-06-04 2016-01-06 中国银联股份有限公司 A kind of mother and sons' POS system
CN106056803A (en) * 2016-04-14 2016-10-26 陈泽伟 Multichannel POS (Point of Sale) machine system
CN106340142A (en) * 2016-08-11 2017-01-18 重庆键镁乐机通科技有限公司 Pos machine
CN106326951A (en) * 2016-08-23 2017-01-11 广东岭南通股份有限公司 Contact smart card individualizing method and contact smart card individualizing device
CN106326951B (en) * 2016-08-23 2019-07-05 广东岭南通股份有限公司 A kind of contact intelligent card personalization method and device
CN106920348A (en) * 2017-02-20 2017-07-04 金邦达有限公司 POS, control method and control device, checkout terminal and its control method
CN107610257A (en) * 2017-08-07 2018-01-19 广州华工信息软件有限公司 A kind of PSAM arrays cryptographic calculation method of servicing, storage medium and system

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