CN103400460A - Mobile POS (point of sale) machine, card business realizing system and method - Google Patents
Mobile POS (point of sale) machine, card business realizing system and method Download PDFInfo
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Abstract
The invention discloses a mobile POS (point of sale) machine, a card business realizing system and a card business realizing method. The mobile POS machine comprises a non-contact processing device, a contact type processing device, a magnetic stripe type processing device, a security chip device and a data processing device, wherein the non-contact processing device reads and writes an external city all-purpose card in a wireless radio frequency transmission mode, and the read information is sent to the security chip device, the contact type processing device reads and writes an external contact type card in a contact mode, and the read information is sent to the security chip device; the magnetic stripe type processing device reads the information of an external magnetic stripe card in a card punching mode, and the information is sent to the security chip device; the security chip device sends the received information to the data processing device, and business instructions are issued; and the data processing device sends the received information to a mobile terminal through a mobile communication interface device, or the business instructions sent by an external mobile terminal are received by the mobile communication interface device and are sent to the security chip device. The mobile POS machine, the card business realizing system and the card business realizing method have the advantage that the business realization flexibility can be improved.
Description
Technical Field
The invention relates to a network communication technology, in particular to a system and a method for realizing mobile POS machine and card service.
Background
At present, card services are increasingly widely used. One technical implementation is, for example, city one-card service. Fig. 1 is a system structure diagram of a city one-card service in the prior art. Referring to fig. 1, in order to implement the city one-card service, the city one-card service system mainly includes: city one-card cards, POS (point of sale) machines and one-card servers. The city one-card-through card is a non-contact radio frequency card; the one-card server maintains and manages the identity and other business information of the city one-card, and completes the management of the POS machine and the city one-card through information interaction with the POS machine.
At present, the urban one-card service is mainly used for public transportation card swiping service, but some new services using the urban one-card service also appear, for example, referring to fig. 2, a PC, a service platform and a third party system are introduced into an urban one-card service system, a POS does not directly communicate with an one-card server, but logs in the service platform through the PC, so as to complete communication with the third party system and the one-card server, specifically, a user can trigger the service platform to perform information interaction with the third party system through the PC, so that more service applications are obtained from the third party system by using the urban one-card service, the application of the urban one-card service is expanded, and convenience is brought to the user.
However, in the current city one-card service system with any structure, no matter what kind of service is completed, at the user side, the network side needs to be connected through a PC to complete the service, so that the user cannot perform the one-card service at any time under the condition of no PC, thereby limiting the flexibility of service implementation; in addition, the current POS machine can only complete a single card service, for example, only can read and write a city one-card, thereby limiting flexibility in service implementation.
Disclosure of Invention
The invention provides a mobile POS machine, a card service realization system and a card service realization method, which can improve the flexibility of service realization.
In order to achieve the purpose, the technical scheme of the invention is realized as follows:
a mobile POS machine, comprising: data processing means, security chip means, contactless processing means, contact processing means and/or magnetic stripe processing means, and mobile communication interface means, wherein,
the non-contact processing device is used for reading the information of the external city one-card-through card in a wireless radio frequency transmission mode, sending the information to the security chip device, and performing read-write operation on the external city one-card-through card in the wireless radio frequency transmission mode after receiving the service instruction;
the contact processing device is used for reading information of the external contact card in a contact mode, sending the information to the security chip device, and performing read-write operation on the external contact card in the contact mode after receiving the service instruction;
and the magnetic strip type processing device is used for reading the information of the external magnetic strip card in a card swiping mode and sending the information to the security chip device.
The safety chip device is used for sending information sent by the non-contact processing device, the contact processing device or the magnetic stripe type processing device to the data processing module; decrypting the service instruction sent by the processing module by using the key, and sending the service instruction to the non-contact processing device or the contact processing device according to the decrypted service instruction;
and the data processing device is used for sending the received information to an external mobile terminal through the mobile communication interface device, or receiving a service instruction sent by the external mobile terminal through the mobile communication interface device and sending the service instruction to the security chip device.
The security chip device is used for storing a private key of the mobile POS machine in an inaccessible secret key area, wherein the private key corresponds to a public key of a CA (certificate authority) certificate of the POS machine, and the private key is used for executing the decryption of the service instruction sent by the data processing device; and/or the secure chip device is further used for signing the information sent to the data processing device by using the public key of the mobile POS machine; and/or the security chip device is further used for encrypting the current balance information of the city one-card-through card read by the non-contact processing device by using a public key in a CA certificate of the one-card server, and sending the current balance information to the mobile terminal through the data processing device and the mobile communication interface device module.
The mobile communication interface device comprises a plurality of mobile communication interface sub-modules with different protocol interface types, and the mobile communication interface sub-module with each protocol interface type is used for establishing connection with a mobile terminal with the corresponding protocol interface type to complete the receiving and sending of information.
The mobile POS machine further includes: a contact interface device and a city one-card,
the safety chip device is connected with the contact interface device in a contact mode;
the safety chip device is further used for reading the information of the city one-card-through card inside the mobile POS machine through the contact interface device and sending the information of the city one-card-through card to the data processing device; and decrypting the service instruction sent by the data processing device by using the secret key, and performing read-write operation on the city one-card in the mobile POS machine through the contact interface device according to the decrypted service instruction.
A system for realizing card service comprises any one of the mobile POS machine, the mobile terminal, the service platform, the third-party system and the one-card server of the invention, wherein,
the mobile terminal is used for receiving information input by a user and sent by the mobile POS machine, generating a service request and sending the service request to the service platform, and sending a service instruction sent by the service platform to the mobile POS machine;
and the service platform is used for interacting with the third-party system, sending a service instruction to the mobile terminal after the interaction is successful, or interacting with the one-card server according to a service request sent by the mobile terminal, and sending the service instruction sent by the one-card server to the mobile terminal.
When the third-party system is a bank system corresponding to a contact card or a magnetic stripe card,
the service platform and the bank system interact with a deduction request, the bank system deducts corresponding recharging amount from the corresponding account, and returns a deduction success message to the service platform;
correspondingly, the mobile terminal is used for linking to a recharging service page of the service platform, generating a bank card recharging request as the service request according to a command input by a user for recharging a city one-card through card by using an external contact bank card or a magnetic stripe bank card and information of the contact card or the magnetic stripe card sent by the mobile POS machine, sending the bank card recharging request to the service platform, and sending a recharging command sent by the one-card server through the service platform as the service command to the mobile POS machine;
correspondingly, the service platform sends the deduction request to the bank system after receiving the recharging request, executes the recharging key application request carrying the city one-card identity information to the one-card server after receiving the deduction success message, and then receives the recharging instruction which is sent by the one-card server and is used as a service instruction;
correspondingly, the mobile POS machine modifies the balance information in the city all-purpose card according to a recharging instruction sent by the mobile terminal, and further modifies the balance information in the external contact card if the card is recharged by the contact card;
or,
when the third-party system is a merchant system, the merchant system is used for generating a corresponding commodity order and sending the commodity order to the service platform after detecting the commodity selected by the user through the mobile terminal and the information for payment by using any one of the city all-purpose card, the magnetic stripe card and the contact card as the current payment card;
correspondingly, the service platform is further used for correspondingly executing sending a payment key application request to the one-card server or the bank system of the magnetic stripe card/contact card after successfully receiving the commodity order and the card swiping consumption request, triggering the one-card server or the bank system of the magnetic stripe card/contact card to carry out deduction processing, and sending a deduction instruction to the mobile terminal after the service platform obtains the payment key;
correspondingly, the mobile terminal is used for generating a card swiping consumption request according to a command of using any one of a city one-card-through card, a magnetic stripe card and a contact card as a current payment card to carry out card swiping consumption and information of the card sent by the mobile POS machine, wherein the command is input by a user, the card swiping consumption request is sent to the service platform as the service request, and a money deduction instruction which is sent by the service platform and is used as a service instruction is sent to the mobile POS machine;
correspondingly, when the current payment card is determined to be a city all-purpose card or a contact card according to a deduction command sent by the mobile terminal, the mobile POS machine deducts corresponding amount information from the external city all-purpose card or the external city all-purpose card correspondingly.
Or,
when the third-party system is the online bank or the third-party payment system, the service platform interacts with the online bank or the third-party payment system to deduct corresponding recharging amount from the corresponding account, and returns a message of successful deduction to the service platform;
correspondingly, the mobile terminal is used for linking to a recharging service page of the service platform, generating an online recharging request as the service request according to a command input by a user for recharging the city one-card by utilizing the online service and the received information of the city one-card, sending the online recharging request to the service platform, and sending a recharging instruction which is sent by the one-card server through the service platform and is used as a service instruction to the mobile POS machine;
correspondingly, the service platform sends the deduction request to the online bank or a third-party payment system after receiving the recharging request, and executes to send a recharging key application request carrying the identity information of the public transportation one-card to the one-card server after receiving the deduction success message;
correspondingly, the mobile POS machine modifies the balance information in the city one-card according to the recharging instruction sent by the mobile terminal.
And the mobile communication interface device of the mobile POS machine is connected with a micro usb interface or an sd card interface of the mobile terminal.
The safety chip device in the mobile POS machine utilizes the public key of the mobile POS machine to encrypt the sent information;
and the mobile terminal further decrypts the information sent by the mobile POS machine by using the private key corresponding to the mobile POS machine.
A method for realizing card service based on any one of the mobile POS machines comprises the following steps:
A. the mobile POS machine reads the external card information and then sends the external card information to the mobile terminal, wherein the external card information reading comprises the following steps: reading one or more of the information of the external city one-card-through card through the non-contact processing device, reading the information of the external contact card through the contact processing device and reading the information of the external magnetic stripe card in a card swiping mode through the magnetic stripe type processing device;
B. the mobile terminal receives the information input by the user and sent by the mobile POS machine, generates a service request and sends the service request to the service platform;
C. the service platform interacts with the third-party system, and after the interaction is successful, a service instruction is sent to the mobile terminal or interacts with the one-card server according to a service request sent by the mobile terminal, and the service instruction sent by the one-card server is sent to the mobile terminal;
D. the mobile terminal sends the service instruction sent by the service platform to the mobile POS machine;
E. and triggering card processing operation by the mobile POS machine according to the received service instruction.
In step B, the user input is: the method comprises the steps of utilizing an external contact card or a magnetic stripe card to charge the urban all-purpose card;
in step a, the reading of the external card information is: reading the information of the city all-purpose card through a non-contact processing device; reading information of an external contact card through the contact processing device or reading information of an external magnetic stripe card in a card swiping mode through the magnetic stripe type processing device;
in step B, the service request is: a bank card recharge request;
the step C comprises the following steps: the service platform interacts with a bank system corresponding to the contact card or the magnetic stripe card to deduct money from a corresponding bank card account, sends a recharging key application request to the one-card server after receiving a money deduction success message, receives a recharging instruction which is sent by the one-card server and is used as a service instruction, and sends the recharging instruction to the mobile terminal;
the step E comprises the following steps: the mobile POS machine modifies the balance information of the city all-purpose card through the non-contact processing device according to the received recharging instruction; when the recharging instruction comprises the information of the contact type card, the balance information of the contact type card is modified through the contact type processing device;
or,
in step B, the user input is: the method comprises the steps of utilizing online service to charge city one-card cards;
in step a, the reading of the external card information is: reading the information of the city all-purpose card through a non-contact processing device;
in step B, the service request is: a request for online recharging;
the step C comprises the following steps: the service platform interacts with the internet bank or a third party payment system to deduct money information, after the money deduction is successful, a recharging key application request carrying city one-card identity information is sent to the one-card server, then a recharging instruction which is sent by the one-card server and serves as a service instruction is received, and the recharging instruction is sent to the mobile terminal;
the step E comprises the following steps: the mobile POS machine modifies the balance information of the city all-purpose card through the non-contact processing device according to the received recharging instruction;
or,
in step B, the user input is: any one of a city all-purpose card, a magnetic stripe card and a contact card is used as a current payment card to carry out a card swiping consumption command;
in step a, the reading of the external card information is: according to the user input, correspondingly reading the information of an external city one-card-through card through a non-contact processing device, or reading the information of an external contact type card through a contact type processing device, or reading the information of an external magnetic stripe card through a magnetic stripe type processing device in a card swiping mode;
in step B, the service request is: a card swiping consumption request;
the step C comprises the following steps: the merchant system generates a corresponding commodity order and sends the commodity order to the service platform, after receiving the commodity order and the card swiping consumption request, the service platform correspondingly executes a payment key application request sent to the one-card server or the bank system of the magnetic stripe card/contact card, triggers the one-card server or the bank system of the magnetic stripe card/contact card to carry out deduction processing, and sends a deduction instruction to the mobile terminal after obtaining the payment key;
the step E comprises the following steps: and the mobile POS machine receives the deduction instruction, and correspondingly deducts corresponding amount information from the city all-purpose card or the contact card when the current payment card is determined to be the city all-purpose card or the contact card.
In summary, the method and system for implementing the mobile POS machine and the card service provided by the present invention have at least the following advantages:
1. in the embodiment of the invention, no matter what card service is finished, the user side is not required to be connected with the network side through a PC (personal computer), but is connected with the network side through a mobile terminal such as a mobile phone and the like.
In addition, the embodiment of the invention can complete the related business of the city all-purpose card, for example, the city all-purpose card is charged through an online bank account, the balance of the city all-purpose card is inquired through a mobile terminal, and the city all-purpose card is used for card swiping shopping consumption;
moreover, the embodiment of the invention can also realize the related business of the magnetic stripe card such as a magnetic stripe bank card and/or a contact card such as a contact bank card, for example, the mobile terminal is utilized to inquire the balance of the magnetic stripe card such as the magnetic stripe bank card and/or the contact card such as the contact bank card, and the magnetic stripe card such as the magnetic stripe bank card and/or the contact card such as the contact bank card is utilized to carry out card swiping shopping consumption;
more importantly, the method can also realize the associated services of multiple cards, for example, a city one-card-through card is charged by utilizing a magnetic stripe card such as a magnetic stripe bank card and/or a contact card such as a contact bank card, and even under the condition that a user does not have an online bank account, the city one-card-through card is charged by utilizing an entity card, so that the flexibility of service realization is greatly increased.
2. The mobile POS machine provided by the embodiment of the invention integrates the functions of a one-card charging terminal and two functions of carrying out the functions of a magnetic stripe card and a contact card reading and writing into a whole, not only can finish the services of charging and inquiring urban one-card-through cards and the like, but also can finish corresponding card swiping payment services by utilizing the magnetic stripe card and the contact card, and a user can finish various services by using the mobile POS machine, thereby enhancing the practicability of equipment;
for example, the embodiment of the invention can realize card swiping consumption in three modes, namely, card swiping of an urban all-purpose card is utilized, card swiping of a magnetic stripe card such as a magnetic stripe bank card is utilized, or card swiping of a contact card such as a contact bank card is utilized, and a user can randomly select a card in one mode to carry out card swiping consumption, so that one POS machine is provided with multiple card swiping consumption modes, and the use of the user is facilitated;
in addition, the city all-purpose card is recharged by using three modes of online bank accounts, magnetic stripe type cards such as magnetic stripe bank cards or contact type cards such as contact type bank cards, so that one POS machine can complete card recharging by using multiple modes, and the use of users is facilitated.
3. In one embodiment of the invention, the city one-card can be integrated in the mobile POS machine, and the reading and writing of the city one-card in the mobile POS machine are not carried out by the wireless transmission technology any more, but are connected with the city one-card in a physically connected contact mode through a contact interface device, so that the card is directly read and written.
4. In one embodiment of the invention, the mobile POS machine comprises a plurality of mobile communication interface sub-modules with different protocol interface types, so that the mobile POS machine can simultaneously support connection communication with mobile terminals with various interface types, thereby reducing the limitation on the mobile terminals and expanding the application of services.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and those skilled in the art can also obtain other drawings according to the drawings without creative efforts.
Fig. 1 is a system diagram of a city one-card service in the prior art.
Fig. 2 is a structural diagram of another improved system of the city one-card service in the prior art.
FIG. 3 is a basic block diagram of the mobile POS machine according to an embodiment of the present invention.
Fig. 4 is a preferred block diagram of the interior of the mobile POS machine in an embodiment of the present invention.
Fig. 5 is a schematic structural diagram of a system for implementing a card service in an embodiment of the present invention.
Fig. 6 is a flowchart of an implementation of card service in embodiment a of the present invention.
Fig. 7 is a flowchart of an implementation of card service in embodiment B of the present invention.
Fig. 8 is a flowchart of an implementation of card service in embodiment C of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
An embodiment of the invention first provides a mobile POS machine. Referring to fig. 3, the mobile POS machine includes: a data processing device 301, a secure chip device 302, a contactless processing device 304, a contact processing device 303 and/or a magnetic stripe type processing device 305, and a mobile communication interface device 306, wherein,
the non-contact processing device 304 is used for reading information of the external city one-card-through card in a wireless radio frequency transmission mode, sending the information to the security chip device 302, and performing read-write operation on the external city one-card-through card in the wireless radio frequency transmission mode after receiving a service instruction sent by the security chip device 302;
the contact processing device 303 is configured to read information of the external contact card in a contact manner, send the information to the security chip device 302, and perform read-write operation on the external contact card in a contact manner after receiving a service instruction sent by the security chip device 302;
a magnetic stripe processing device 305, configured to read information of an external magnetic stripe card by swiping the card, and send the information to the secure chip device 302;
a secure chip device 302 for transmitting information transmitted from the non-contact processing device 304, the contact processing device 303, or the magnetic stripe processing device 305 to the data processing device 301; decrypting the service instruction sent by the data processing device 301 by using the key, and sending the service instruction to the non-contact processing device 304 or the contact processing device 303 according to the decrypted service instruction;
and a data processing device 301, configured to send information sent from the secure chip device 302 to an external mobile terminal through the mobile communication interface device 306, or receive a service instruction sent from the external mobile terminal through the mobile communication interface device 306, and send the service instruction to the secure chip device 302.
In another preferred embodiment of the present invention, in order to ensure the security and non-repudiation of the related information and services of various card information (e.g. city smart card, magnetic stripe card such as magnetic stripe bank card, contact card such as contact bank card with CPU chip), the mobile POS machine of the present invention further performs the following processes by the security chip device 302:
the secure chip device 302 stores the private key of the mobile POS machine in the inaccessible key area, where the private key corresponds to the public key of the CA certificate of the POS machine, and performs decryption on the service instruction sent from the data processing device 301 by using the private key; and/or, the secure chip device 302 is further configured to sign the information sent to the data processing device 301 by using the public key of the mobile POS machine; and/or the secure chip device 302 is further configured to encrypt the current balance information of the city one-card read by the non-contact processing device 304 by using a public key in a CA certificate of the one-card server, and send the current balance information to the mobile terminal through the data processing device 301 and the mobile communication interface device 306, so as to trigger completion of sending the balance information to the one-card server.
In the mobile POS according to the embodiment of the present invention, the mobile POS may connect and communicate with the mobile terminal through various interface protocol types, for example, may connect and communicate in a wired connection manner (for example, connect through a data line, or set the mobile communication interface device 306 as a plug-in interface device, and insert the mobile POS into the mobile terminal through the mobile communication interface device 306 to implement connection and communication); of course, the mobile POS may also be connected to the mobile terminal wirelessly, for example, through bluetooth protocol, NFC protocol, etc. and communicate with the mobile terminal.
In a preferred embodiment of the present invention, the mobile POS simultaneously supports operating system connectivity communications with a variety of mobile terminals. For example, the system of the mobile terminal may support mainstream operating systems such as android, iOS, saiban, Windows, and the like, and the mobile POS machine may communicate with the mobile communication interface device 306 through the setting of the mobile communication interface device, thereby reducing the limitation on the mobile terminal and expanding the application of the service. At this time, the mobile POS machine comprises a plurality of mobile communication interface sub-modules with different protocol interface types, and the mobile communication interface sub-module with each protocol interface type is used for establishing connection with a mobile terminal with a corresponding protocol interface type to complete the receiving and sending of information. For example, the mobile POS may perform connection communication with a mobile phone having a bluetooth function through one of the protocol interface types of the mobile POS (e.g., a module supporting a bluetooth communication protocol), and may perform connection communication with a mobile phone having a micro usb interface or an sd card interface through another protocol interface type of the mobile POS (e.g., a module supporting a micro usb interface or an sd card interface).
In addition, in an embodiment of the present invention, the contact processing device 303 may connect with an external contact card through its own contact reading head, so as to perform a read/write operation on the contact card.
In other preferred embodiments of the present invention, the mobile POS device may further include other functional devices, for example, referring to fig. 4, further including: the contact interface device 307 and the city one-card-through card 308 are connected in a contact mode, and the security chip device 302 is connected with the city one-card-through card 308 in the contact interface device 307;
the security chip device 302 further reads the information of the city one-card-through card 308 inside the mobile POS machine through the contact interface device 307, and sends the information of the city one-card-through card 308 to the data processing device 301; and, the service instruction sent from the data processing device 301 is decrypted by using the key, and the read-write operation is performed on the city one-card 308 through the contact interface device 307 according to the decrypted service instruction.
In this case, a soldering connection interface or a circuit wire connection interface may be used as the contact interface device 307, and in fact, it is only necessary to ensure that the security chip device 302 is connected with the city smart card 308 in a physical contact manner and performs information transmission.
By using the mobile POS machine shown in fig. 4, the mobile POS machine is provided with the city one-card, and more importantly, the security chip device is connected with the city one-card through the contact interface device, that is, through a physical connection mode (i.e., a contact connection mode), so that the card can be directly read and written, and thus, the card cannot be influenced by the surrounding electromagnetic environment and the human mobile card, and errors in reading and writing the city one-card are greatly reduced.
It should be noted that, in the actual service implementation, the mobile POS machine may further add other functional modules, such as a usb disk storage device, so as to be used as a mobile memory, etc., as will be understood by those skilled in the art.
In another embodiment of the present invention, a method for implementing card services by using a mobile POS machine according to an embodiment of the present invention is provided, where the method includes the following steps:
A. the mobile POS machine reads the external card information and then sends the external card information to the mobile terminal, wherein the external card information reading comprises the following steps: reading one or more of the information of the external city one-card-through card through the non-contact processing device, reading the information of the external contact card through the contact processing device and reading the information of the external magnetic stripe card in a card swiping mode through the magnetic stripe type processing device;
B. the mobile terminal receives the information input by the user and sent by the mobile POS machine, generates a service request and sends the service request to the service platform;
C. the service platform interacts with the third-party system, and after the interaction is successful, a service instruction is sent to the mobile terminal or interacts with the one-card server according to a service request sent by the mobile terminal, and the service instruction sent by the one-card server is sent to the mobile terminal;
D. the mobile terminal sends the service instruction sent by the service platform to the mobile POS machine;
E. and triggering card processing operation by the mobile POS machine according to the received service instruction.
In another embodiment of the present invention, a system for implementing a card service is further provided, and referring to fig. 5, the system includes: the mobile POS 500, the mobile terminal 501, the service platform 502, the third-party system 503 and the one-card server 504 having any structure and function provided in the embodiments of the present invention, wherein,
a mobile terminal 501, configured to receive information input by a user and sent by the mobile POS machine 500, generate a service request, send the service request to the service platform 502, and send a service instruction sent by the service platform 502 to the mobile POS machine 500;
the service platform 502 is configured to interact with the third-party system 503, and after the interaction is successful, send a service instruction to the mobile terminal 501 or interact with the one-card server 504 according to a service request sent by the mobile terminal 501, and send the service instruction sent by the one-card server 504 to the mobile terminal 501.
By utilizing the mobile POS machine and the system and the method for realizing the card business, provided by the embodiment of the invention, various businesses can be completed, such as business one, and the city one-card-through card is charged by utilizing an external contact type bank card or a magnetic stripe bank card; secondly, recharging the city one-card by using the online service; thirdly, swiping a card, such as consumption or transfer of money, by using one of a city all-purpose card, a magnetic stripe bank card and a contact bank card; and fourthly, inquiring the balance of the urban one-card, the magnetic stripe card and the contact card.
The above services are described below by means of different embodiments, respectively.
Examples A,
In this embodiment a, the third party system is a bank system corresponding to the contact card or the magnetic stripe card, and the system and the method provided in the embodiment of the present invention complete the above-mentioned service, i.e., the process of charging the city all-purpose card with the external entity card, i.e., the contact card or the magnetic stripe card, with reference to fig. 6, including the following steps:
step 601: and the mobile terminal is linked to a recharging service page of the service platform and receives a command input by a user for recharging the city all-purpose card by using an external contact card or a magnetic stripe card.
In practical business, the contact card may be a contact bank card with a CPU chip, and the magnetic stripe card may be a magnetic stripe bank card with a magnetic stripe.
Step 602: the mobile POS machine is connected to the mobile terminal, the mobile POS machine carries out card searching processing, a user enables the city all-purpose card to be close to the non-contact processing device, and the non-contact processing device reads information of the city all-purpose card and sends the information to the security chip device;
meanwhile, a user connects the contact card to the contact processing device, or the user clamps the magnetic stripe on the magnetic stripe type processing device for card swiping processing; accordingly, the information of the contact card read by the contact processing device is sent to the security chip device, or the information of the magnetic stripe card read by the magnetic stripe processing device is sent to the security chip device.
In this step, the card information may include identity information and balance information of the card.
Step 603: the security chip device sends the received card information to the mobile terminal through the data processing device and the mobile communication interface device.
Step 604: the mobile terminal generates a bank card recharging request according to the card information input and received by the user in the step 601 and sends the bank card recharging request to the service platform, wherein the bank card recharging request comprises the information of the city all-purpose card and the information of a contact card or a magnetic stripe card for payment.
Step 605: and after receiving the bank card recharging request, the service platform sends a deduction request to a corresponding bank system according to the information of the contact card or the information of the magnetic stripe card for payment in the request.
Step 606: the bank system deducts money from the account of the corresponding contact card or magnetic stripe card.
Here, the deduction is carried out according to the amount of money to be charged in the city all-purpose card.
Step 607: and after receiving the message of successful deduction sent by the bank system, the service platform sends a recharging key application request carrying the identity information of the city one-card to the one-card server.
Step 608: the service platform receives a recharging instruction sent by the card server and sends the recharging instruction to the mobile POS machine through the mobile terminal.
Step 609: the mobile communication interface device of the mobile POS machine sends the recharging instruction to the data processing device, and the data processing device carries out processing such as data de-encapsulation and then sends the data to the security chip device.
Step 610: the safety chip device modifies the balance information in the card of the city all-purpose card through the non-contact processing device according to the recharging instruction to complete recharging, and if the recharging is carried out through the contact type card, namely the recharging instruction comprises the information of the contact type card, the balance information in the external contact type card is further modified through the contact type processing device to complete deduction.
Examples B,
In this embodiment B, when the third party system is an online banking or third party payment system, the system and method provided by the embodiment of the present invention complete the process of charging the city one-card by the online service in the second service, referring to fig. 7, including the following steps:
step 701: the card user of the city all-purpose card approaches the card to the mobile POS machine and connects the POS machine to the mobile terminal, and the card user logs in a recharging service page of the service platform through the mobile terminal to select a recharging function.
Step 702: the mobile POS machine carries out card searching processing, the non-contact processing device reads the identity information of the city one-card-through card and sends the identity information to the security chip device, the security chip device authenticates the city one-card-through card according to the read identity information, and after the authentication is passed, the data processing device and the mobile communication interface device send the identity information of the city one-card-through card to the mobile terminal.
Step 703: and the mobile terminal generates an online recharging request and sends the online recharging request to the service platform according to a command (including recharging amount, account information and the like) input by the user for recharging the city one-card through the online service and the received information of the city one-card.
Step 704: and the service platform sends the deduction request to a corresponding online bank or a third-party payment system according to the online recharging request.
Step 705: and the corresponding online bank or third-party payment system deducts corresponding recharging amount from the corresponding account according to the received deduction request, and returns a deduction success message to the service platform.
Step 706: and after receiving the message of successful deduction, the service platform sends a recharging key application request carrying the city one-card identity information and the recharging amount information to the one-card server.
Step 707: and the one-card server authenticates the card according to the identity information of the city one-card, and generates a recharging instruction and sends the recharging instruction to the service platform after the card passes the authentication.
Step 708: the service platform sends the recharging instruction to the mobile terminal, and the mobile terminal sends the recharging instruction to the mobile POS machine.
Inside the mobile POS machine, the recharging instruction reaches the non-contact processing device through the mobile communication interface device, the data processing device and the safety chip device.
Step 709: and the non-contact processing device in the mobile POS machine recharges the city all-purpose card according to the recharging instruction, namely, the balance information in the public transportation all-purpose card is modified.
Examples C,
In this embodiment C, when the third party system is a merchant system, the system and the method provided in the embodiments of the present invention complete a process of the third service, such as card swiping for consumption by using one of an urban all-purpose card, a magnetic stripe card, and a contact card, with reference to fig. 8, including the following steps:
step 800: and reading the information of the current payment card by using the mobile POS machine and sending the information to the mobile terminal.
If the current payment card is a city one-card, reading the information of the city one-card by the non-contact processing device in a wireless radio frequency transmission mode; reading, by the contact processing device, information of the contact card, for example by a contact reading head, if the current payment card is a contact card; if the current payment card is a magnetic stripe card, the information of the magnetic stripe card is read by the magnetic stripe type processing device. The read card information is sent to the mobile terminal through the security chip device, the data processing device and the mobile communication interface device.
Step 801: the user selects commodity information needing to be purchased in a merchant system through the mobile terminal and inputs a command for carrying out card swiping consumption by using any one of a city all-purpose card, a magnetic stripe card and a contact card as a current payment card, and the mobile terminal generates a card swiping consumption request according to the user input and card information sent by the mobile POS machine and sends the card swiping consumption request to the service platform.
In this step, the card swiping consumption request includes information of the current payment card, for example, if the current payment card is a city one-card, the current payment card is information of the city one-card.
Step 802: the merchant system generates a corresponding commodity order and sends the commodity order to the service platform, and the service platform obtains the payment key after successfully receiving the commodity order and the card swiping consumption request sent by the mobile terminal.
In this step, according to the information of the current card in the card swiping consumption request, a payment key application request is correspondingly sent to a one-card server (when the current card is a city one-card communication card) or a bank system of a magnetic stripe card (when the current card is a magnetic stripe card)/contact card (when the current card is a contact card), the one-card server or the bank system of the magnetic stripe card/contact card is triggered to carry out deduction processing, namely account balance information of the corresponding card is modified, and then the payment key is returned to the service platform.
Step 803: and the service platform sends a deduction instruction to the mobile terminal.
Step 804: and the mobile terminal sends the deduction instruction sent by the service platform to the mobile POS machine.
Step 805: and the mobile POS machine receives a deduction instruction sent by the mobile terminal, and correspondingly deducts corresponding amount information from the city all-purpose card or the contact card when the current payment card is determined to be the city all-purpose card or the contact card.
Here, if the current payment card is a magnetic stripe card, the mobile POS machine does not need to perform a deduction process.
Example D
The embodiment realizes the fourth service, and inquires the balance of the urban all-purpose card, the magnetic stripe card, the contact card and the like. In specific implementation, the mobile terminal and the mobile POS machine are matched, a user inputs a current card to be queried on the mobile terminal, the mobile POS machine reads balance information of an urban all-purpose card through the non-contact processing device, or the magnet type processing device reads balance information of a magnetic stripe card through a card swiping reading mode, or the contact type processing device reads balance information of a contact type card, sends the balance information to the security chip device, sends the balance information to the mobile terminal through the data processing device and the mobile communication interface device, and the mobile terminal displays the received balance information to the user.
In summary, the method and system for implementing the mobile POS machine and the card service according to the embodiments of the present invention have at least the following advantages:
1. in the embodiment of the invention, no matter what card service is finished, the user side is not required to be connected with the network side through a PC (personal computer), but is connected with the network side through a mobile terminal such as a mobile phone and the like.
In addition, the embodiment of the invention can complete the related business of the city all-purpose card, for example, the city all-purpose card is charged through an online bank account, the balance of the city all-purpose card is inquired through a mobile terminal, and the city all-purpose card is used for card swiping shopping consumption;
in addition, the embodiment of the invention can also realize related business of magnetic stripe type cards such as magnetic stripe type bank cards and/or contact type cards such as contact type bank cards, for example, the balance of magnetic stripe type cards such as magnetic stripe type bank cards and/or contact type cards such as contact type bank cards is inquired by using the mobile terminal, and card swiping shopping consumption is carried out by using the magnetic stripe type cards such as magnetic stripe type bank cards and/or contact type cards such as contact type bank cards;
more importantly, the method can also realize the associated services of multiple cards, for example, a city one-card-through card is recharged by utilizing a magnetic stripe card such as a magnetic stripe bank card and/or a contact card such as a contact bank card, and even under the condition that a user does not have an online bank account, the city one-card-through card is recharged, so that the flexibility of service realization is greatly increased.
2. The mobile POS machine provided by the embodiment of the invention integrates the functions of a one-card charging terminal and two functions of carrying out the functions of a magnetic stripe card and a contact card reading and writing into a whole, not only can finish the services of charging and inquiring urban one-card-through cards and the like, but also can finish corresponding card swiping payment services by utilizing the magnetic stripe card and the contact card, and a user can finish various services by using the mobile POS machine, thereby enhancing the practicability of equipment;
for example, the embodiment of the invention can realize card swiping consumption in three modes, namely, card swiping of an urban all-purpose card is utilized, card swiping of a magnetic stripe card such as a magnetic stripe bank card is utilized, or card swiping of a contact card such as a contact bank card is utilized, and a user can randomly select a card in one mode to carry out card swiping consumption, so that one POS machine is provided with multiple card swiping consumption modes, and the use of the user is facilitated;
in addition, the city all-purpose card is recharged by using an online bank account, or by using a magnetic stripe type card such as a magnetic stripe type bank card, or by using a contact type card such as a contact type bank card, so that one POS machine can complete card recharging by using various modes, and the use of a user is facilitated.
3. In one embodiment of the invention, the city one-card can be integrated in the mobile POS machine, and the reading and writing of the city one-card in the mobile POS machine are not carried out by the wireless transmission technology any more, but are connected with the city one-card in a physically connected contact mode through a contact interface device, so that the card is directly read and written.
4. In one embodiment of the invention, the mobile POS machine comprises a plurality of mobile communication interface sub-modules with different protocol interface types, so that the mobile POS machine can simultaneously support connection communication with mobile terminals with various interface types, thereby reducing the limitation on the mobile terminals and expanding the application of services.
Those of ordinary skill in the art will understand that: all or part of the steps for implementing the method embodiments may be implemented by hardware related to program instructions, and the program may be stored in a computer readable storage medium, and when executed, the program performs the steps including the method embodiments; and the aforementioned storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic or optical disks.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (10)
1. A mobile POS, comprising: data processing means, security chip means, contactless processing means, contact processing means and/or magnetic stripe processing means, and mobile communication interface means, wherein,
the non-contact processing device is used for reading the information of the external city one-card-through card in a wireless radio frequency transmission mode, sending the information to the security chip device, and performing read-write operation on the external city one-card-through card in the wireless radio frequency transmission mode after receiving the service instruction;
the contact processing device is used for reading information of the external contact card in a contact mode, sending the information to the security chip device, and performing read-write operation on the external contact card in the contact mode after receiving the service instruction;
and the magnetic strip type processing device is used for reading the information of the external magnetic strip card in a card swiping mode and sending the information to the security chip device.
The safety chip device is used for sending information sent by the non-contact processing device, the contact processing device or the magnetic stripe type processing device to the data processing module; decrypting the service instruction sent by the processing module by using the key, and sending the service instruction to the non-contact processing device or the contact processing device according to the decrypted service instruction;
and the data processing device is used for sending the received information to an external mobile terminal through the mobile communication interface device, or receiving a service instruction sent by the external mobile terminal through the mobile communication interface device and sending the service instruction to the security chip device.
2. The mobile POS machine of claim 1, wherein the secure chip device is configured to store a private key of the mobile POS machine in an inaccessible key area, the private key corresponding to a public key of a CA certificate of the POS machine, and to perform the decryption of the service instruction sent from the data processing device by using the private key; and/or the secure chip device is further used for signing the information sent to the data processing device by using the public key of the mobile POS machine; and/or the security chip device is further used for encrypting the current balance information of the city one-card-through card read by the non-contact processing device by using a public key in a CA certificate of the one-card server, and sending the current balance information to the mobile terminal through the data processing device and the mobile communication interface device module.
3. The mobile POS machine of claim 1 or 2, wherein the mobile communication interface device comprises a plurality of mobile communication interface sub-modules of different protocol interface types, and the mobile communication interface sub-module of each protocol interface type is used for establishing connection with a mobile terminal having a corresponding protocol interface type to complete information transceiving.
4. The mobile POS machine of claim 1 or 2, further comprising: a contact interface device and a city one-card,
the safety chip device is connected with the mobile POS machine in a contact mode through the contact interface device;
the safety chip device is further used for reading the information of the city one-card-through card inside the mobile POS machine through the contact interface device and sending the information of the city one-card-through card to the data processing device; and decrypting the service instruction sent by the data processing device by using the secret key, and performing read-write operation on the city one-card in the mobile POS machine through the contact interface device according to the decrypted service instruction.
5. A system for implementing card services, comprising a mobile POS machine, a mobile terminal, a service platform, a third-party system and a one-card server according to any one of claims 1 to 4, wherein,
the mobile terminal is used for receiving information input by a user and sent by the mobile POS machine, generating a service request and sending the service request to the service platform, and sending a service instruction sent by the service platform to the mobile POS machine;
and the service platform is used for interacting with the third-party system, sending a service instruction to the mobile terminal after the interaction is successful, or interacting with the one-card server according to a service request sent by the mobile terminal, and sending the service instruction sent by the one-card server to the mobile terminal.
6. The card transaction implementation system of claim 5,
when the third-party system is a bank system corresponding to a contact card or a magnetic stripe card,
the service platform and the bank system interact with a deduction request, the bank system deducts corresponding recharging amount from the corresponding account, and returns a deduction success message to the service platform;
correspondingly, the mobile terminal is used for linking to a recharging service page of the service platform, generating a bank card recharging request as the service request according to a command input by a user for recharging a city one-card through card by using an external contact bank card or a magnetic stripe bank card and information of the contact card or the magnetic stripe card sent by the mobile POS machine, sending the bank card recharging request to the service platform, and sending a recharging command sent by the one-card server through the service platform as the service command to the mobile POS machine;
correspondingly, the service platform sends the deduction request to the bank system after receiving the recharging request, executes the recharging key application request carrying the city one-card identity information to the one-card server after receiving the deduction success message, and then receives the recharging instruction which is sent by the one-card server and is used as a service instruction;
correspondingly, the mobile POS machine modifies the balance information in the city all-purpose card according to a recharging instruction sent by the mobile terminal, and further modifies the balance information in the external contact card if the card is recharged by the contact card;
or,
when the third-party system is a merchant system, the merchant system is used for generating a corresponding commodity order and sending the commodity order to the service platform after detecting the commodity selected by the user through the mobile terminal and the information for payment by using any one of the city all-purpose card, the magnetic stripe card and the contact card as the current payment card;
correspondingly, the service platform is further used for correspondingly executing sending a payment key application request to the one-card server or the bank system of the magnetic stripe card/contact card after successfully receiving the commodity order and the card swiping consumption request, triggering the one-card server or the bank system of the magnetic stripe card/contact card to carry out deduction processing, and sending a deduction instruction to the mobile terminal after the service platform obtains the payment key;
correspondingly, the mobile terminal is used for generating a card swiping consumption request according to a command of using any one of a city one-card-through card, a magnetic stripe card and a contact card as a current payment card to carry out card swiping consumption and information of the card sent by the mobile POS machine, wherein the command is input by a user, the card swiping consumption request is sent to the service platform as the service request, and a money deduction instruction which is sent by the service platform and is used as a service instruction is sent to the mobile POS machine;
correspondingly, when the current payment card is determined to be a city all-purpose card or a contact card according to a deduction command sent by the mobile terminal, the mobile POS machine deducts corresponding amount information from the external city all-purpose card or the external city all-purpose card correspondingly.
Or,
when the third-party system is the online bank or the third-party payment system, the service platform interacts with the online bank or the third-party payment system to deduct corresponding recharging amount from the corresponding account, and returns a message of successful deduction to the service platform;
correspondingly, the mobile terminal is used for linking to a recharging service page of the service platform, generating an online recharging request as the service request according to a command input by a user for recharging the city one-card by utilizing the online service and the received information of the city one-card, sending the online recharging request to the service platform, and sending a recharging instruction which is sent by the one-card server through the service platform and is used as a service instruction to the mobile POS machine;
correspondingly, the service platform sends the deduction request to the online bank or a third-party payment system after receiving the recharging request, and executes to send a recharging key request carrying the identity information of the public transportation one-card to the one-card server after receiving the deduction success message;
correspondingly, the mobile POS machine modifies the balance information in the city one-card according to the recharging instruction sent by the mobile terminal.
7. The system for card business implementation according to claim 5 or 6,
and the mobile communication interface device of the mobile POS machine is connected with a micro usb interface or an sd card interface of the mobile terminal.
8. System for card business implementation according to claim 5 or 6 or 7,
the safety chip device in the mobile POS machine utilizes the public key of the mobile POS machine to encrypt the sent information;
and the mobile terminal further decrypts the information sent by the mobile POS machine by using the private key corresponding to the mobile POS machine.
9. A method for implementing card service based on the mobile POS machine of any claim 1 to 4, which is characterized in that the method comprises:
A. the mobile POS machine reads the external card information and then sends the external card information to the mobile terminal, wherein the external card information reading comprises the following steps: reading one or more of the information of the external city one-card-through card through the non-contact processing device, reading the information of the external contact card through the contact processing device and reading the information of the external magnetic stripe card in a card swiping mode through the magnetic stripe type processing device;
B. the mobile terminal receives the information input by the user and sent by the mobile POS machine, generates a service request and sends the service request to the service platform;
C. the service platform interacts with the third-party system, and after the interaction is successful, a service instruction is sent to the mobile terminal or interacts with the one-card server according to a service request sent by the mobile terminal, and the service instruction sent by the one-card server is sent to the mobile terminal;
D. the mobile terminal sends the service instruction sent by the service platform to the mobile POS machine;
E. and triggering card processing operation by the mobile POS machine according to the received service instruction.
10. The method of claim 9,
in step B, the user input is: the method comprises the steps of utilizing an external contact card or a magnetic stripe card to charge the urban all-purpose card;
in step a, the reading of the external card information is: reading the information of the city all-purpose card through a non-contact processing device; reading information of an external contact card through the contact processing device or reading information of an external magnetic stripe card in a card swiping mode through the magnetic stripe type processing device;
in step B, the service request is: a bank card recharge request;
the step C comprises the following steps: the service platform interacts with a bank system corresponding to the contact card or the magnetic stripe card to deduct money from a corresponding bank card account, sends a recharging key application request to the one-card server after receiving a money deduction success message, receives a recharging instruction which is sent by the one-card server and is used as a service instruction, and sends the recharging instruction to the mobile terminal;
the step E comprises the following steps: the mobile POS machine modifies the balance information of the city all-purpose card through the non-contact processing device according to the received recharging instruction; when the recharging instruction comprises the information of the contact type card, the balance information of the contact type card is modified through the contact type processing device;
or,
in step B, the user input is: the method comprises the steps of utilizing online service to charge city one-card cards;
in step a, the reading of the external card information is: reading the information of the city all-purpose card through a non-contact processing device;
in step B, the service request is: a request for online recharging;
the step C comprises the following steps: the service platform interacts with the internet bank or a third party payment system to deduct money information, after the money deduction is successful, a recharging key application request carrying city one-card identity information is sent to the one-card server, then a recharging instruction which is sent by the one-card server and serves as a service instruction is received, and the recharging instruction is sent to the mobile terminal;
the step E comprises the following steps: the mobile POS machine modifies the balance information of the city all-purpose card through the non-contact processing device according to the received recharging instruction;
or,
in step B, the user input is: any one of a city all-purpose card, a magnetic stripe card and a contact card is used as a current payment card to carry out a card swiping consumption command;
in step a, the reading of the external card information is: according to the user input, correspondingly reading the information of an external city one-card-through card through a non-contact processing device, or reading the information of an external contact type card through a contact type processing device, or reading the information of an external magnetic stripe card through a magnetic stripe type processing device in a card swiping mode;
in step B, the service request is: a card swiping consumption request;
the step C comprises the following steps: the merchant system generates a corresponding commodity order and sends the commodity order to the service platform, after receiving the commodity order and the card swiping consumption request, the service platform correspondingly executes a payment key application request sent to the one-card server or the bank system of the magnetic stripe card/contact card, triggers the one-card server or the bank system of the magnetic stripe card/contact card to carry out deduction processing, and sends a deduction instruction to the mobile terminal after obtaining the payment key;
the step E comprises the following steps: and the mobile POS machine receives the deduction instruction, and correspondingly deducts corresponding amount information from the city all-purpose card or the contact card when the current payment card is determined to be the city all-purpose card or the contact card.
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