[summary of the invention]
Object of the present invention, is to provide a kind of double-card dual-standby wireless POS machine and respective pay system, can allow trade company in locality to the application that some nonlocal zonal fiscards are collected money.
The object of the present invention is achieved like this, adopt so a kind of double-card dual-standby wireless POS machine, for purposes of collecting money, it is characterized in that, described POS (1) is provided with mobile phone module, wherein, described mobile phone module possesses double-card dual-standby function, different mobile telephone networks can be accessed respectively simultaneously, two SIM cards are provided with in mobile phone module, be respectively the first SIM card of the second SIM card belonging to namely local the second mobile telephone network (5) in POS (1) visited place and the mobile telephone network belonging to paying centre (2) ownership place area, described POS (1) is communicated with paying centre (2) with second mobile telephone network (5) of the second SIM card identity and local identity access visited place by mobile phone module, and namely roamed first mobile telephone network (55) of identity access visited place with the first SIM card identity by mobile phone module, by paying centre (2) by ownership place mobile telephone network, state according to first mobile telephone network (55) of POS (1) access visited place carrys out certification POS (1) identity, when POS (1) is in the then authenticating identity success of access first mobile telephone network (55) state, otherwise authenticating identity failure, and, when collecting money, POS (1) generates Transaction Information according to the international mobile subscriber identity (InternationalMobile Subscriber Identity) of the data of bank card (6) and payment and the first SIM card, and send paying centre (2) to carry out follow-up gathering and clearing work by the second mobile telephone network (5).
And, also adopt so a kind of payment system, adopt double-card dual-standby wireless POS machine as elucidated before, it is characterized in that, described system comprises the POS (1) being arranged at each trade company, paying centre (2), be provided with the receiving bank (3) of trade company's bank account, be provided with the issuing bank (4) of the bank card account of payment user, wherein, POS (1) namely roams namely local the first mobile telephone network (55) in identity access visited place with the first SIM card identity, and communicate with paying centre (2) with second mobile telephone network (5) of the second SIM card identity and local identity access visited place, paying centre (2) is by ownership place mobile telephone network, state according to first mobile telephone network (55) of POS (1) access visited place carrys out certification POS (1) identity, when POS (1) is in the then authenticating identity success of access first mobile telephone network (55) state, otherwise authenticating identity failure, described paying centre (2) is connected with receiving bank (3), issuing bank (4) phase telecommunication, and, user uses its bank card (6) when the POS (1) of trade company pays, POS (1) generates Transaction Information according to the international mobile subscriber identity (International Mobile Subscriber Identity) of the data of bank card (6) and payment and the first SIM card, and send paying centre (2) to by the second mobile telephone network (5), paying centre (2) check the identity of Transaction Information and this POS of certification (1) errorless after, the trade company bank account in receiving bank (3) of money to this POS (1) is turned at the bank card account of issuing bank (4) from this bank card (6), thus complete the clearing work of this transaction.
So just realize object of the present invention well.
Payment system of the present invention, can allow the fiscard in paying centre (2) ownership place area, uses all over the world.As long as receive card vendor family to be provided with double-card dual-standby wireless POS machine (1) of the present invention, and open an account in paying centre (2), just can be different local all over the world, accept the delivery operation of the fiscard in paying centre (2) ownership place area.Paying centre if (2) be located within Chinese territory and accept interchanger pay, just the usable range of interchanger can be expanded to all parts of the world by the present invention, thus facilitate Chinese passenger go sightseeing consumption pay the bill.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the image schematic illustration of payment system of the present invention, system shown in Fig. 1 comprises the POS (1) being arranged at each trade company, paying centre (2), be provided with the receiving bank (3) of trade company's bank account, be provided with the issuing bank (4) of the bank card account of payment user, wherein, POS (1) namely roams namely local the first mobile telephone network (55) in identity access visited place with the first SIM card identity, and communicate with paying centre (2) with second mobile telephone network (5) of the second SIM card identity and local identity access visited place, paying centre (2) is by ownership place mobile telephone network, state according to first mobile telephone network (55) of POS (1) access visited place carrys out certification POS (1) identity, when POS (1) is in the then authenticating identity success of access first mobile telephone network (55) state, otherwise authenticating identity failure, described paying centre (2) is connected with receiving bank (3), issuing bank (4) phase telecommunication, and, user uses its bank card (6) when the POS (1) of trade company pays, POS (1) generates Transaction Information according to the international mobile subscriber identity (International MobileSubscriber Identity) of the data of bank card (6) and payment and the first SIM card, and send paying centre (2) to by the second mobile telephone network (5), paying centre (2) check the identity of Transaction Information and this POS of certification (1) errorless after, the trade company bank account in receiving bank (3) of money to this POS (1) is turned at the bank card account of issuing bank (4) from this bank card (6), thus complete the clearing work of this transaction.
In arranging, trade company will open an account in paying centre (2) in advance, and must register it for the bank account stored in gathering in paying centre (2).The SIM card that trade company's POS (1) and one belong to the mobile telephone network in paying centre (2) ownership place area is issued in paying centre (2), POS (1) accesses the first mobile telephone network (55) by this SIM card to roam identity, carrys out certification POS (1) identity by paying centre (2) according to POS (1) with the state roamed identity and access the first mobile telephone network (55).At customer-side, as long as user uses a fiscard that can use in paying centre (2) ownership place area just can carry out consumption and payment in trade company.
In the present invention, described the first mobile telephone network (55) and the second mobile telephone network (5) can be the mobile telephone networks that two of visited place are different; First mobile telephone network (55) and the second mobile telephone network (5) also can refer to the same mobile telephone network of visited place, the identity of its access for convenience of description, and be divided into the first mobile telephone network (55) and the second mobile telephone network (5) to describe.Described paying centre (2) can be arranged in the mobile telephone network of China Mobile, to be operated whole payment system by China Mobile, and the first SIM card belonging to paying centre (2) ownership place mobile telephone network is exactly the SIM card of China Mobile, paying centre (2) is by the mobile telephone network of China Mobile, the identity of certification POS (1) is carried out according to the state of first mobile telephone network (55) of POS (1) access visited place, when POS (1) is in the then authenticating identity success of access first mobile telephone network (55) state, otherwise authenticating identity failure.In addition, in this manual, described bank card (6) can be debit card or credit card.
Continue to consult Fig. 1, POS (1) inside shown in Fig. 1 is provided with mobile phone module, wherein, described mobile phone module possesses double-card dual-standby function, different mobile telephone networks can be accessed respectively simultaneously, two SIM cards are provided with in mobile phone module, be respectively the first SIM card of the second SIM card belonging to namely local the second mobile telephone network (5) in POS (1) visited place and the mobile telephone network belonging to paying centre (2) ownership place area, described POS (1) is communicated with paying centre (2) with second mobile telephone network (5) of the second SIM card identity and local identity access visited place by mobile phone module, and namely roamed first mobile telephone network (55) of identity access visited place with the first SIM card identity by mobile phone module, by paying centre (2) by ownership place mobile telephone network, state according to first mobile telephone network (55) of POS (1) access visited place carrys out certification POS (1) identity, when POS (1) is in the then authenticating identity success of access first mobile telephone network (55) state, otherwise authenticating identity failure, and, when collecting money, POS (1) generates Transaction Information according to the international mobile subscriber identity (InternationalMobile Subscriber Identity) of the data of bank card (6) and payment and the first SIM card, and send paying centre (2) to carry out follow-up gathering and clearing work by the second mobile telephone network (5).
The further improvement of POS of the present invention (1), that described POS (1) is also provided with shooting len, palmmprint scanister, NFC reading device, bar code reading device, bank card reading device, wherein, described shooting len is for taking the complexion of payer, by POS (1), the complexion image information of the payer of shooting gained is sent to paying centre (2) to file, usurp bank card payment when finding that there is people, these complexion image informations just can help the police thief to be restrained by law; Described palmmprint scanister is for the information of the palm print characteristics or fingerprint characteristic that obtain payer, by POS (1), the information of obtained palm print characteristics or fingerprint characteristic is sent to paying centre (2) to check, guarantees the validity of payer's identity; Described NFC reading device is for reading the NFC personal device of payer for paying, and described bar code reading device is for reading kinds of goods bar code, and described bank card reading device is for reading the bank card (6) of payer for paying.User is except can using bank card (6) and paying, also the smart mobile phone being provided with NFC element can be utilized to pay, namely described NFC personal device is the smart mobile phone being provided with NFC element, described smart mobile phone is provided with the digital certificate for authenticated identity, this digital certificate issues user by paying centre (2), digital certificate is bound mutually with the bank card account of user, and in time paying, use this digital certificate to replace bank card (6).In addition, described shooting len is except for taking except the complexion of payer, also can be used for the bar code of taking kinds of goods, after the barcode image of POS (1) by shooting len shooting kinds of goods, utilize bar code decoding software that this image-decoding is restored the contained information of this bar code, thus replace the laser bar-code reading apparatus that general POS adopts.
Below double-card dual-standby wireless POS machine of the present invention and respective pay system has been described in detail, although the present invention is illustrated with the above embodiments, but the present invention is not limited to this, when not leaving the scope of spirit of the present invention and appended claims, multiple change and change can be done.
Double-card dual-standby wireless POS machine of the present invention and respective pay system, can expand to all parts of the world by the usable range of interchanger, facilitates Chinese passenger to go sightseeing and consume payment.Enforcement of the present invention, can bring good Social benefit and economic benefit.