CN103778729A - Self-service settlement method and system based on IC card - Google Patents
Self-service settlement method and system based on IC card Download PDFInfo
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- CN103778729A CN103778729A CN201210409113.8A CN201210409113A CN103778729A CN 103778729 A CN103778729 A CN 103778729A CN 201210409113 A CN201210409113 A CN 201210409113A CN 103778729 A CN103778729 A CN 103778729A
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Abstract
The invention provides a self-service settlement method and a system based on an IC (Integrated Circuit, intelligent) card. The method mainly comprises that: an RFID identification code purchased by a user is scanned via a commodity scanner on a self-service settlement machine terminal so that commodity information data are acquired, and the commodity information data and the commodity RFDI identification code acquired by the self-service settlement machine terminal via scanning are sent to a business background database server terminal; the commodity information data sent by the business background database server terminal and purchased by the user are displayed on a display screen on the self-service settlement machine terminal, and the self-service settlement machine terminal sends a settlement instruction to the business background database server terminal; and total price of all commodities purchased by the user and sent by a bank electronic payment server terminal is displayed on the display screen of the self-service settlement machine terminal which sends a payment instruction to the bank electronic payment server terminal, and money remitting processing is completed between the self-service settlement machine terminal and the bank electronic payment server terminal via the intelligent IC card. The high-efficiency user self-service settlement method and the system based on the IC card can be realized.
Description
Technical field
The present invention relates to Computer Applied Technology field, relate in particular to a kind of based on IC(IntegratedCircuit, intelligence) the self-help settlement method and system of card.
Background technology
Current, common magnetic stripe card is still the main product in bank card market, terminal is used the hidden danger existing to be to this card in daily supermarket etc., obtain after user's magnetic stripe card card number if someone is premeditated, just can copy it, the user's card of assuming another's name, causes a large amount of monetary losses to card user.Magnetic stripe card is also deposited in use the drawbacks such as easily demagnetization.Bank card is to belong to the key product that concerns national economy, and its security is the place of its significant, and what IC-card was better than magnetic stripe card is the most significantly safety, the main flow that after IC-card substitutes magnetic stripe card and becomes, bank card product the is applied trend that is inevitable.
Nowadays, along with the process of urban development, people's rhythm of life is also being accelerated day by day, and today that development in science and technology is with rapid changepl. never-ending changes and improvements, the idea of development in city has been moved towards science and technology makes city finer.In the daily life of people, be unable to do without the sourcing of some daily necessities such as supermarket, convenience store, but go the shopping-time on the ground such as supermarket generally more concentrated due to people, unavoidable appearance many times when weekend, festivals or holidays in the phenomenon of supermarket platoon leader dragon, impact shopping mood has also been wasted the valuable time to a certain extent.Therefore it is very necessary, developing a kind of high efficiency user self-help settlement method and system based on IC-card.
Summary of the invention
Embodiments of the invention provide a kind of self-help settlement method and system based on IC-card, to realize a kind of high efficiency user self-help settlement method and system based on IC-card.
A self-help settlement method based on IC-card, comprising:
In self-help settlement machine terminal, scan the user-selected commodity radio frequency discrimination RFID identification code of purchasing by commodity scanner, obtain information of goods information data, information of goods information data and commodity RFID identification code that described self-help settlement machine terminal obtains scanning send to commercial background data base server end;
The user-selected information of goods information data of purchasing that described in demonstration screen display in described self-help settlement machine terminal, commercial background data base server end sends over, described self-help settlement machine terminal sends checkout instruction to described commercial background data base server end;
The price summation of the described user-selected all commodity purchased that send at the demonstration screen display bank electric payment server end of described self-help settlement machine terminal, described self-help settlement machine terminal is to the instruction of described bank electric payment server end Sending Payments, and described self-help settlement machine terminal is drawn account processing by completing debt between intellective IC card and described bank electric payment server end.
Based on a self-service checkout system for IC-card, comprising:
Self-help settlement machine terminal, for by the user-selected commodity radio frequency discrimination RFID identification code of purchasing of commodity scanner scanning, obtains information of goods information data, and the information of goods information data that scanning is obtained and commodity RFID identification code send to commercial background data base server end;
Commercial affairs background data base server end, for sending the user-selected information of goods information data of purchasing to described self-help settlement machine terminal, receive the checkout instruction that described self-help settlement machine terminal sends, send the price summation of user-selected all commodity of purchasing to bank electric payment server end;
Bank electric payment server end, for send the price summation of described user-selected all commodity of purchasing to described self-help settlement machine terminal, receive the payment instruction that described self-help settlement machine terminal sends, and between described self-help settlement machine terminal, complete debt and draw account processing.
The technical scheme being provided by the embodiment of the invention described above can be found out, the embodiment of the present invention is by forming a closed circulation network by the self-help settlement machine terminal based on IC-card, goods and commercial background server system and three parts of bank server system end, introduce the application of IC-card payment terminal and IC-card, whole system possesses quite high transaction security and independently settles accounts control ability, can promote the development of self-help settlement terminal, can adapt to bank card by magnetic stripe card the development trend of migrating to smart card.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme of the embodiment of the present invention, below the accompanying drawing of required use during embodiment is described is briefly described, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skills, do not paying under the prerequisite of creative work, can also obtain according to these accompanying drawings other accompanying drawing.
The principle schematic of a kind of self-help settlement method based on IC-card that Fig. 1 provides for the embodiment of the present invention one;
The concrete processing flow chart of a kind of self-help settlement method based on IC-card that Fig. 2 provides for the embodiment of the present invention one;
The concrete structure figure of a kind of self-service checkout system based on IC-card that Fig. 3 provides for the embodiment of the present invention two.
Embodiment
For ease of the understanding to the embodiment of the present invention, be further explained explanation below in conjunction with accompanying drawing as an example of several specific embodiments example, and each embodiment does not form the restriction to the embodiment of the present invention.
Embodiment mono-
As shown in Figure 1, concrete treatment scheme as shown in Figure 2, comprises following treatment step to the principle schematic that this embodiment provides a kind of self-help settlement method based on IC-card:
Step 21, user commodity in use scanner in self-help settlement machine terminal scans the commodity RFID(Radio Frequency Identification choosing, radio-frequency (RF) identification) identification code, obtain information of goods information data, comprising information such as trade name, the place of production, specification, commodity price and marks.Information of goods information data and commodity RFID identification code that above-mentioned self-help settlement machine terminal obtains scanning send to commercial background data base server end by wireless or wireline communication network.
Step 22, in embodiments of the present invention, commercial affairs background data base server end is the maincenter management system of the self-help settlement machine terminal based on IC-card, in commercial background data base, store the information of goods information data of all kinds of sold goods, comprising information such as trade name, the place of production, specification, commodity price, commodity RFI D identification codes.Commercial affairs background data base server end is according to the above-mentioned commercial background data base of above-mentioned commodity RFID identification code inquiry receiving, obtain commodity RFID and identify corresponding information of goods information data, the information of goods information data that the information of goods information data that inquiry is obtained and above-mentioned self-help settlement machine terminal send over compares, after comparative result is consistent, the information of goods information data that commercial background data base server end obtains inquiry returns to above-mentioned self-help settlement machine terminal.
After above-mentioned comparative result is inconsistent, commercial background data base server end returns to error message to above-mentioned self-help settlement machine terminal, and this error message comprises the inconsistent details of information of goods information data.
Step 23, above-mentioned self-help settlement machine terminal receive after the information of goods information data that above-mentioned commercial background data base server end returns, and this information of goods information data is presented on the touching display screen in above-mentioned self-help settlement machine terminal.For being intuitively shown to user, it will buy merchandise news and show the price that finishes the rear selected total commodity of scanning touching display screen, possess the interaction between commercial background data base system and bank electric payment server, have thereon and select to finish to do shopping and settle accounts, confirm and pay, input the function such as IC-card password, selection printing commodity receipt simultaneously.
User carries out and finishes to do shopping and settle accounts operation on touching display screen, user is positioned over IC-card on the IC-card card-reading apparatus in above-mentioned self-help settlement machine terminal, the bank transaction terminal equipment that above-mentioned IC-card card-reading apparatus is a kind of similar bank POS machine, aspect payment interface, can support reading of contact or non-contact IC card, to guarantee the transaction security of whole system.By being embedded in the compound financial PSAM(Purchase Secure Access Module in self-help settlement machine terminal, consumption safety access module) card the legitimacy of above-mentioned IC-card is authenticated, after authentication is passed through, the IC-card information that above-mentioned self-help settlement machine terminal reads above-mentioned IC-card card-reading apparatus is done shopping with the end of user's selection and the information of settling accounts sends to above-mentioned commercial background data base server end.
Step 24, commercial background data base server end receive above-mentioned IC-card card-reading apparatus the IC-card information sending and the end that user selects and do shopping and settle accounts after information, calculate the price sum data of commodity that user purchases, this price sum data and above-mentioned IC-card information exchange are crossed to safe lane and send bank electric payment server end to.
Step 25, bank electric payment server end receive after the above-mentioned price sum data and IC-card information of above-mentioned commercial background data base server end transmission, send above-mentioned price sum data and IC-card information to self-help settlement machine terminal by safe lane, and be presented on above-mentioned touching display screen.
User carries out and confirms and delivery operation on above-mentioned touching display screen, input IC-card trading password, between self-help settlement machine terminal and above-mentioned bank electric payment server end, complete debt and draw account processing, above-mentioned bank electric payment server end is from above-mentioned IC-card deduction transaction fund.Then, bank electric payment server end is sent in trade company's profit data in this transaction to above-mentioned commercial background data base server end, and the profit amount of money is stored in to trade company's account.
Step 26, user show that by touching display screen selecting to print transaction evidence waits until examination, commodity are set to only have the commodity of crossing through scanning input can carry out autodegauss processing, and RFID check door is set at self-service passage place, identify whether commodity complete payment operation.
The difference of IC-card and common magnetic stripe card is that IC-card chip carries the structures such as CPU processor, hardware encryption module and password coprocessor, completes and the communicating by letter of financial terminal by contact ISO7816 agreement or contactless ISO14443 agreement.In its password coprocessor, can carry international cryptography algorithm and domestic cryptographic algorithm.In the time that IC-card uses, in the time starting to place IC-card and conclude the business, by the compound financial PSAM card being embedded in self-help settlement machine terminal, the legitimacy between IC-card and self-help settlement machine terminal is carried out to authentication processing, holder's checking is used for guaranteeing that holder is legal, and card is not loss or stolen.IC-card public key certificate comprises the IC-card PKI by credit card issuer private key signature, calculate the transaction ciphertext the process of exchange time by PKI, generate the temporary key of transaction etc., can realize the contrast verification of the inner ciphertext of card and exterior terminal data, guarantee the security of process of exchange; IC-card generates dynamic signature by private key, returns to terminal signature verification result, completes the transaction processing of IC-card.In the whole process of transaction, under be combined with the credit card issuer behavior such as terminal risk management, card behavioural analysis under the safeguard protection authentication of cryptographic algorithm, the guarantee of very big degree the security of IC-card use procedure.
Embodiment bis-
A kind of self-service checkout system based on IC-card that this embodiment provides, its concrete structure as shown in Figure 3, comprises following unit:
Self-help settlement machine terminal 31, for scanning the user-selected commodity radio frequency discrimination RFID identification code of purchasing by commodity scanner, obtain information of goods information data, the information of goods information data that scanning is obtained and commodity RFID identification code send to commercial background data base server end;
Commercial affairs background data base server end 32, for sending the user-selected information of goods information data of purchasing to described self-help settlement machine terminal, receive the checkout instruction that described self-help settlement machine terminal sends, send the price summation of user-selected all commodity of purchasing to bank electric payment server end;
Bank electric payment server end 33, for send the price summation of described user-selected all commodity of purchasing to described self-help settlement machine terminal, receive the payment instruction that described self-help settlement machine terminal sends, and between described self-help settlement machine terminal, complete debt and draw account processing.
Concrete, described commercial background data base server end 32, also for storing the information of goods information data of all kinds of sold goods, this information of goods information data comprises trade name, the place of production, specification, commodity price, commodity RFID identification code information, according to the described commercial background data base of described commodity RFID identification code inquiry receiving, obtain commodity RFID and identify corresponding information of goods information data;
The information of goods information data that the information of goods information data that inquiry is obtained and described self-help settlement machine terminal send over compares, and after comparative result is consistent, the information of goods information data that inquiry is obtained returns to described self-help settlement machine terminal;
Concrete, described self-help settlement machine terminal 31, also, for described information of goods information data being presented to the touching display screen in described self-help settlement machine terminal, the checkout of carrying out on touching display screen according to described user operation sends checkout instruction to described commercial background data base server end.
Concrete, described self-help settlement machine terminal 31, also for IC-card being positioned over user to the IC-card card-reading apparatus in described self-help settlement machine terminal, on described touching display screen, carry out after payment operation, by the compound financial PSAM card being embedded in self-help settlement machine terminal, the legitimacy of IC-card is authenticated, after authentication is passed through, the IC-card information that described IC-card card-reading apparatus is read and payment instruction send to described commercial background data base server end;
Concrete, described commercial background data base server end 32, also for calculating the price sum data of commodity that described user purchases, crosses safe lane by this price sum data and described IC-card information exchange and sends bank electric payment server end to;
Concrete, described bank electric payment server end 33, also for receiving after the described price sum data and IC-card information of described commercial background data base server end transmission, send described price sum data and IC-card information to self-help settlement machine terminal by safe lane, and be presented on described touching display screen.
Concrete, described bank electric payment server end 33, also for be sent in this transaction trade company profit data to described commercial background data base server end, and is stored in the profit amount of money in the account of described trade company.
Between three building blocks of the above-mentioned self-service checkout system based on IC-card, be complementary, by having guaranteed the feasibility of self-help settlement terminal device with the exchanges data of commercial back-end data server and bank electric payment server end.
The detailed process and the preceding method embodiment that carry out the self-help settlement based on IC-card by the system of the embodiment of the present invention are similar, repeat no more herein.
One of ordinary skill in the art will appreciate that: accompanying drawing is the schematic diagram of an embodiment, the module in accompanying drawing or flow process might not be that enforcement the present invention is necessary.
One of ordinary skill in the art will appreciate that: the module in the equipment in embodiment can be described and be distributed in the equipment of embodiment according to embodiment, also can carry out respective change and be arranged in the one or more equipment that are different from the present embodiment.The module of above-described embodiment can be merged into a module, also can further split into multiple submodules.
One of ordinary skill in the art will appreciate that all or part of flow process realizing in above-described embodiment method, can carry out the hardware that instruction is relevant by computer program to complete, described program can be stored in a computer read/write memory medium, this program, in the time carrying out, can comprise as the flow process of the embodiment of above-mentioned each side method.Wherein, described storage medium can be magnetic disc, CD, read-only store-memory body (Read-Only Memory, ROM) or random store-memory body (Random AccessMemory, RAM) etc.
In sum, the embodiment of the present invention is by forming a closed circulation network by the self-help settlement machine terminal based on IC-card, goods and commercial background server system and three parts of bank server system end, introduce the application of IC-card payment terminal and IC-card, whole system possesses quite high transaction security and independently settles accounts control ability, can promote the development of self-help settlement terminal, can adapt to bank card by magnetic stripe card the development trend of migrating to smart card.
The embodiment of the present invention uses RFID technology to realize scanning, the utilization financial IC card technique guarantee transaction security of merchandise news, goes for the autonomous settlement terminal of the many goods places such as supermarket, convenience store, Vending Machine.Self-help settlement machine terminal based on IC-card supported by bank's background system, and what can guarantee customer transaction completes and protect user's card safety smoothly.
The above; only for preferably embodiment of the present invention, but protection scope of the present invention is not limited to this, is anyly familiar with in technical scope that those skilled in the art disclose in the present invention; the variation that can expect easily or replacement, within all should being encompassed in protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection domain of claim.
Claims (8)
1. the self-help settlement method based on IC-card, is characterized in that, comprising:
In self-help settlement machine terminal, scan the user-selected commodity radio frequency discrimination RFID identification code of purchasing by commodity scanner, obtain information of goods information data, information of goods information data and commodity RFID identification code that described self-help settlement machine terminal obtains scanning send to commercial background data base server end;
The user-selected information of goods information data of purchasing that described in demonstration screen display in described self-help settlement machine terminal, commercial background data base server end sends over, described self-help settlement machine terminal sends checkout instruction to described commercial background data base server end;
The price summation of the described user-selected all commodity purchased that send at the demonstration screen display bank electric payment server end of described self-help settlement machine terminal, described self-help settlement machine terminal is to the instruction of described bank electric payment server end Sending Payments, and described self-help settlement machine terminal is drawn account processing by completing debt between intellective IC card and described bank electric payment server end.
2. the self-help settlement method based on IC-card according to claim 1, it is characterized in that, the user-selected information of goods information data of purchasing that described in the described demonstration screen display in described self-help settlement machine terminal, commercial background data base server end sends over, described self-help settlement machine terminal sends checkout instruction to described commercial background data base server end, comprising:
In commercial background data base, store the information of goods information data of all kinds of sold goods, this information of goods information data comprises trade name, the place of production, specification, commodity price, commodity RFID identification code information, described commercial background data base server end, according to the described commercial background data base of described commodity RFID identification code inquiry receiving, obtains commodity RFID and identifies corresponding information of goods information data;
The information of goods information data that the information of goods information data that described commercial background data base server end obtains inquiry and described self-help settlement machine terminal send over compares, after comparative result is consistent, the information of goods information data that described commercial background data base server end obtains inquiry returns to described self-help settlement machine terminal;
Described self-help settlement machine terminal is presented at described information of goods information data on the touching display screen in described self-help settlement machine terminal, and the checkout operation that described self-help settlement machine terminal is carried out on touching display screen according to described user sends checkout instruction to described commercial background data base server end.
3. the self-help settlement method based on IC-card according to claim 1, it is characterized in that, the price summation of described user-selected all commodity of purchasing that the described demonstration screen display bank electric payment server end in described self-help settlement machine terminal sends over, comprising:
User, IC-card is positioned on the IC-card card-reading apparatus in described self-help settlement machine terminal, on described touching display screen, carry out after payment operation, by the compound financial consumption secure access module PSAM card being embedded in self-help settlement machine terminal, the legitimacy of IC-card is authenticated, after authentication is passed through, the IC-card information that described self-help settlement machine terminal reads described IC-card card-reading apparatus and payment instruction send to described commercial background data base server end;
Described commercial background data base server end calculates the price sum data of commodity that described user purchases, and this price sum data and described IC-card information exchange is crossed to safe lane and send bank electric payment server end to;
Described bank electric payment server end receives after the described price sum data and IC-card information of described commercial background data base server end transmission, send described price sum data and IC-card information to self-help settlement machine terminal by safe lane, and be presented on described touching display screen.
4. the self-help settlement method based on IC-card according to claim 3, is characterized in that, described method also comprises:
Described bank electric payment server end is sent in trade company's profit data in this transaction to described commercial background data base server end, and the profit amount of money is stored in the account of described trade company.
5. the self-service checkout system based on IC-card, is characterized in that, comprising:
Self-help settlement machine terminal, for by the user-selected commodity radio frequency discrimination RFID identification code of purchasing of commodity scanner scanning, obtains information of goods information data, and the information of goods information data that scanning is obtained and commodity RFID identification code send to commercial background data base server end;
Commercial affairs background data base server end, for sending the user-selected information of goods information data of purchasing to described self-help settlement machine terminal, receive the checkout instruction that described self-help settlement machine terminal sends, send the price summation of user-selected all commodity of purchasing to bank electric payment server end;
Bank electric payment server end, for send the price summation of described user-selected all commodity of purchasing to described self-help settlement machine terminal, receive the payment instruction that described self-help settlement machine terminal sends, and between described self-help settlement machine terminal, complete debt and draw account processing.
6. the self-service checkout system based on IC-card according to claim 5, is characterized in that:
Described commercial background data base server end, also for storing the information of goods information data of all kinds of sold goods, this information of goods information data comprises trade name, the place of production, specification, commodity price, commodity RFID identification code information, according to the described commercial background data base of described commodity RFID identification code inquiry receiving, obtain commodity RFID and identify corresponding information of goods information data;
The information of goods information data that the information of goods information data that inquiry is obtained and described self-help settlement machine terminal send over compares, and after comparative result is consistent, the information of goods information data that inquiry is obtained returns to described self-help settlement machine terminal;
Described self-help settlement machine terminal, also, for described information of goods information data being presented to the touching display screen in described self-help settlement machine terminal, the checkout of carrying out on touching display screen according to described user operation sends checkout instruction to described commercial background data base server end.
7. the self-service checkout system based on IC-card according to claim 5, is characterized in that:
Described self-help settlement machine terminal, also for IC-card being positioned over user to the IC-card card-reading apparatus in described self-help settlement machine terminal, on described touching display screen, carry out after payment operation, by the compound financial consumption secure access module PSAM card being embedded in self-help settlement machine terminal, the legitimacy of IC-card is authenticated, after authentication is passed through, the IC-card information that described IC-card card-reading apparatus is read and payment instruction send to described commercial background data base server end;
Described commercial background data base server end, also for calculating the price sum data of commodity that described user purchases, crosses safe lane by this price sum data and described IC-card information exchange and sends bank electric payment server end to;
Described bank electric payment server end, also for receiving after the described price sum data and IC-card information of described commercial background data base server end transmission, send described price sum data and IC-card information to self-help settlement machine terminal by safe lane, and be presented on described touching display screen.
8. the self-service checkout system based on IC-card according to claim 7, is characterized in that:
Described bank electric payment server end, also for be sent in this transaction trade company profit data to described commercial background data base server end, and is stored in the profit amount of money in the account of described trade company.
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| CN201210409113.8A CN103778729A (en) | 2012-10-24 | 2012-10-24 | Self-service settlement method and system based on IC card |
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| CN201210409113.8A CN103778729A (en) | 2012-10-24 | 2012-10-24 | Self-service settlement method and system based on IC card |
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| CN107316414A (en) * | 2017-06-25 | 2017-11-03 | 张帆 | A kind of method and system of self-help shopping clearing |
| CN107808471A (en) * | 2017-11-29 | 2018-03-16 | 陈征宇 | Cash register settlement method, cash register settlement system, cash register and readable storage medium storing program for executing |
| CN108053583A (en) * | 2017-12-29 | 2018-05-18 | 深圳正品创想科技有限公司 | A kind of self-checkout machine and self-checkout method |
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