CN104537778A - Method and device for supporting plurality of acquirers based on same financial POS terminal - Google Patents
Method and device for supporting plurality of acquirers based on same financial POS terminal Download PDFInfo
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- CN104537778A CN104537778A CN201510029710.1A CN201510029710A CN104537778A CN 104537778 A CN104537778 A CN 104537778A CN 201510029710 A CN201510029710 A CN 201510029710A CN 104537778 A CN104537778 A CN 104537778A
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Abstract
The invention discloses a message information communication transmission method and device of a POS terminal. One end of an intermediate payment processing platform system is abutted with various different acquirers, the other end of the intermediate payment processing platform system is abutted with a commercial tenant, a novel message format and a novel transmission method are creatively used, and the trade information transmission between the POS terminal and the acquirers is realized through the intermediate payment processing platform system, so that the unique commercial tenant codes and terminal codes of the acquirers are not needed to be arranged on the POS terminal. The coding parameters of the acquirers to the terminal can be dynamically set on the same POS terminal of the commercial tenant and can be printed on a receipt or displayed on a signature board according to the parameters returned through trade response when a trade is finished, so that the acquirer processing the trade and the concrete coding information of the acquirer to the terminal are finally marked. Finally, the aim of supporting the plurality of acquirers by using the one terminal is finally achieved, and the extremely-high convenience and social value are achieved.
Description
Technical field
The present invention relates to field of information transmission, particularly a kind of message information communication transmission method of POS terminal machine and device.
Background technology
Current bank card trade company receives on single market, financial payment POS terminal machine is generally laid by the merchant bank contracted with trade company or Third-party payment mechanism and is managed, (acquirer refers to contract with trade company can only to belong to an acquirer, there is provided bank or the Third-party payment company of the gathering of POS terminal machine and account settlement business), an acquirer can only be set in these POS terminal machine facility to the preset parameter of this terminal, comprise trade company's coding, terminal is encoded, and print on transaction slip after completion of transactions or show this acquirer parameter codes on electronic signature plate.Along with the development of merchant business, and the continuous opening in Chinese payment transaction market, same trade company and Duo Jia bank or Third-party payment institution cooperation slowly become universal phenomenon, some trade companies can with Duo Jia bank or Third-party payment institution cooperation, if trade company is because of the demand of individual business, as supported VISA overseas, Master Card, support Alipay, micro-letter pays, trade company also may need to introduce other merchant banks or Third-party payment mechanism contracts and lays new financial POS terminal machine, because an acquirer only supported by a POS terminal machine, therefore often an introducing acquirer just needs a newly-increased POS terminal machine, the till face of same trade company is caused to be placed with multiple stage POS terminal machine, not only waste resource, occupy sales counter, Ye Shi trade company cashier is very inconvenient when operating, even frequent because terminal select mistake and affect cash register.
The financial POS terminal machine message of standard is generally the form of GB ISO 8583-87 version, wherein in message, the 41st territory is by card machine host ID (terminal coding or terminal number), 42 territories are for being subject to card square mark code (trade company's coding or trade company number), for same acquirer (bank or the company of payment), 41 territories of a POS terminal machine, 42 territories are all unique, determine, need to set on POS terminal machine in advance, mutual by between acquirer system of terminal, on send and receive 41 identical territories, 42 territories, realize the validation of information in transaction and the printing in transaction document.Trade company's coding, the printing of terminal coded message after Transaction Success and display are industry rule and the way of the current international practice.
Summary of the invention
In order to overcome on existing market same trade company with the problem needing multiple stage terminal during the cooperation of many acquirers, thus realize the unified access of single-point in technology and hardware device, realize supporting that a POS terminal machine has multiple acquirer in business ownership and technology, finally realize trade company one family (cabinet) machine, the technical problem to be solved in the present invention is to provide a kind of POS terminal machine message transmitting method by middle payment processes plateform system and device, different acquirers is docked by middle payment processes plateform system one end, the POS terminal machine of other end docking trade company, the novel message of creationary use and transfer process, the Transaction Information realized between POS terminal machine and acquirer by middle payment processes plateform system is transmitted, thus not be used in POS terminal machine arrange acquirer unique merchant coding and terminal encode.Same Tianwan businessman family POS terminal machine can mobilism the coding parameter of acquirer to this terminal is set, and be printed on when transaction completes in strip or be presented on signature plate, finally which acquirer process to mark this transaction, and this acquirer is to the coding parameter of POS terminal machine, so not only save POS terminal quantity, realize social resources saving, trade company cashier operation also facilitates, only need payment card or the means of payment (Alipay of holding client, micro-letter code), submit easily at terminal facility, terminal facility just can according to backstage setting parameter and routing rule, the coding parameter of the acquirer that Auto-matching is suitable and POS terminal machine.
technical scheme
For solving the problems of the technologies described above, method involved in the present invention needs the payment processes plateform system of a centre, accesses each acquirer by this platform side, and the Transaction Information realized between many acquirers transmits, opposite side access trade company POS terminal.By arranging the Customer ID that middle payment processes plateform system can identify to POS terminal machine, by middle payment processes plateform system according to this POS terminal machine in the real needs accepting a certain transaction, determine to use different merchant acquirer channels, initiate payment transaction (such as, the transaction of VISA international card is contracted by A bank and trade company, so, the transaction of VISA international card is just judged to deliver to A bank transaction by POS terminal machine, the transaction of Master international card is contracted by B bank and trade company, so, the transaction of Master international card is just judged to deliver to B bank transaction by POS terminal machine) to corresponding acquirer, this acquirer returns transaction response, response is turned back to POS terminal machine by middle payment processes plateform system again, the terminal that now response message can bring the acquirer of this transaction of process to define is encoded, trade company encodes, return POS terminal machine information, on the sales slip of POS terminal machine, the trade company's coding used according to this transaction and terminal coding, and the acquirer of correspondence, carry out printout or screen display.
Accompanying drawing explanation
Below in conjunction with the drawings and specific embodiments, the present invention is further illustrated.
Fig. 1 is Customer ID parameter downloads flow process.
Fig. 2 is the definition of terminal parameter mutual message form.In request and response message, M represents and must fill out key element, and O represents optional key element, and C represents the optional key element of condition, and empty expression does not need to fill in key element.
Fig. 3 is financial transaction payment flow.
Embodiment
In the inventive method and device, process is redefined to 41 territories, 42 territories, POS terminal machine no longer needs on equipment, arrange fixing unique trade company coding, terminal coding in advance, by middle payment processes plateform system for each station terminal defines a Customer ID, and the new message flow process " terminal parameter mutual message " increased, utilize and to give in standard message still untapped territory with self-defined thresholding and realize same station terminal and support multiple acquirer.
The present invention includes the mutual and actual financial transaction two parts of terminal parameter, bulk treatment step is as follows:
1, newly-increased middle payment processes platform between POS terminal machine and acquirer, middle payment processes platform is docking POS terminal machine on the one hand, another aspect docks many different acquirer systems, realize the message transmission process between same POS terminal machine and different acquirer system, possess the Technical Architecture of the corresponding multiple acquirer of a station terminal;
2,41 territories of middle payment processes platform and terminal interaction, 42 territories are defined as the technical parameter defined in middle payment processes plateform system, and with reality by card square mark code (trade company encode or trade company number), irrelevant by card machine host ID (terminal is encoded or terminal number);
3, simultaneously, middle payment processes plateform system defines a Customer ID for each station terminal again, and the printable output of this Customer ID is at trade company's sales slip connection, and businessman, by this Customer ID, can carry out corresponding business information query manipulation;
4, " terminal parameter mutual message " between a newly-increased middle payment processes plateform system and POS terminal machine, is somebody's turn to do " terminal parameter mutual message ", obtains Customer ID by POS terminal machine to system background.This message is administrative class message, its form as Fig. 2, be set in terminal initialization first success after initiated by terminal program, can use 62 territories of GB ISO 8583-87 version or other do not use territory, in response message, return Customer ID;
5, the process between middle payment processes plateform system and acquirer system, still carries out transmission process, without the need to doing special adjustment according to the standard format of GB ISO 8583-87 version or other agreement forms;
6, Customer ID number identifies the location of this terminal in middle payment processes plateform system.After financial payment transaction is initiated from POS terminal machine, the corresponding acquirer of the initiation of being determined deal by middle payment processes plateform system, trade company's coding, terminal coded message, and returned in the lump in company with other transaction response messages to terminal by transaction response message.Can use 57 territories or other not with territory return in response message trade company coding and terminal encode;
7, after terminal transaction success, by the content of parameter that basis returns, obtain trade company's coding and the terminal coding of real trade, trade company's coding of this transaction of printout on sales slip, terminal coding, acquirer code, print content ID information simultaneously.Trade company's coding, the printing of terminal coded message after Transaction Success and display are industry rule and the way of the current international practice.
Fig. 1 is the implementation of terminal parameter mutual message, is described below:
1, POS terminal carries out initialization to middle payment processes platform initiation request message;
2, middle payment platform returns response message to POS terminal machine (first two steps are the intrinsic flow process of traditional financial POS terminal);
3, by POS terminal machine initiating terminal parameter interaction request;
4, middle payment processes plateform system returns the information such as Customer ID by this message.Like this, POS terminal machine in middle payment processes plateform system by uniquely tagged.
Fig. 3 illustrates the transaction flow of the inventive method, is described below:
1, financial transaction request initiated by POS terminal machine;
2, after middle payment processes plateform system receives service request, according to the type of transaction of request, selection is delivered to the acquirer or bank of specifying;
3, after acquirer receives transaction request, response message is returned by original ISO message isotype;
4, middle payment processes plateform system returns financial transaction payment result to POS terminal machine, in returned packet data, on traditional financial transaction message key element basis, increase the information such as trade company's coding, terminal coding that this acquirer is determined this transaction in addition; This information can use 57 territories or other do not return in response message with territory;
5, POS terminal machine obtains the information such as acquirer code, trade company's coding, terminal coding, is printed on transaction evidence or is presented on screen.Finally, a station terminal achieves the process of corresponding multiple acquirer.
Claims (4)
1. the method and apparatus of the message information communication transfer of a POS terminal machine, the POS terminal machine held by trade company, middle payment processes plateform system, acquirer tripartite participates in, middle payment processes plateform system and many acquirers and trade company's POS terminal machine are connected, realize same POS terminal machine message information can and many acquirers between carry out Transaction Information transmission, it is characterized in that: not be used in POS terminal machine and acquirer unique merchant coding and terminal coding are set, by arranging the unique customer ID that middle payment processes plateform system can identify to POS terminal machine, by middle payment processes plateform system according to this POS terminal machine in the real needs accepting and initiate a certain transaction, determine to use different merchant acquirer channels, initiate payment transaction to acquirer, acquirer returns transaction response, response is turned back to POS terminal machine by middle payment processes plateform system again, the terminal that now response message can bring the acquirer of this transaction of process to define is encoded, trade company encodes, encode and terminal coding according to the trade company that this transaction uses at POS terminal machine, and the acquirer of correspondence, transaction slip prints or shows on electronic signature plate.
2. the message information communication transmission method of POS terminal machine according to claim 1 and device, it is characterized in that 41 territories to POS terminal machine conventional I SO 8583-87 version message, 42 territories redefine process, change traditional 41 territories, 42 territories define uniquely fixing client code respectively, the way of trade company's code, be defined as the ordinary skill parameter of middle payment processes plateform system, thus do not print on transaction slip or show on electronic signature plate.
3. according to claim 1, the message information communication transmission method of the POS terminal machine described in 2 and device, it is characterized in that by middle payment processes plateform system being that each station terminal defines unique Customer ID, and between middle payment processes plateform system and POS terminal machine, increased an administrative class message " terminal parameter mutual message " newly, POS terminal machine is when each initial setting up, this message can be initiated, its Customer ID is inquired about to middle payment processes plateform system, and utilize Customer ID in the response message returned to carry out terminal marking, and can print in subsequent transaction strip or show this Customer ID on electronic signature plate.
4. according to claim 1,2, the message information communication transmission method of the POS terminal machine described in 3 and device, it is characterized in that judging by middle payment processes platform the corresponding acquirer that transaction is initiated, and then determine that this acquirer is trade company's coding, the terminal coding that this trade company is arranged, and do not use territory to mark in utilization transaction response message, return in the lump to terminal in company with other transaction response messages, processed after the receipt by POS terminal machine, and print on transaction slip or show on electronic signature plate.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201510029710.1A CN104537778A (en) | 2015-01-21 | 2015-01-21 | Method and device for supporting plurality of acquirers based on same financial POS terminal |
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| CN201510029710.1A CN104537778A (en) | 2015-01-21 | 2015-01-21 | Method and device for supporting plurality of acquirers based on same financial POS terminal |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105046851A (en) * | 2015-06-25 | 2015-11-11 | 北京超赞捷通网络科技有限公司 | Docking method for quick shopping system and supermarket POS system |
| CN106781117A (en) * | 2015-11-24 | 2017-05-31 | 富士电机株式会社 | The automatic machine control method of giving change of POS POSs and POS POSs |
| CN110264178A (en) * | 2019-06-18 | 2019-09-20 | 四川商通实业有限公司 | The barcode scanning method of payment of distributed arrangement |
| CN110995754A (en) * | 2019-12-19 | 2020-04-10 | 福建新大陆支付技术有限公司 | Method, device and equipment for managing data message indexes |
| CN110995755A (en) * | 2019-12-19 | 2020-04-10 | 福建新大陆支付技术有限公司 | Method, device and equipment for configuring data message |
| CN111064728A (en) * | 2019-12-19 | 2020-04-24 | 福建新大陆支付技术有限公司 | Method, device and equipment for packing and unpacking data message |
| CN111465956A (en) * | 2017-04-24 | 2020-07-28 | 马克西姆.维塔利耶维奇.别克涅夫 | Method for executing payment transaction |
| CN112766952A (en) * | 2021-01-28 | 2021-05-07 | 杉德银卡通信息服务有限公司 | Multi-payment terminal and multi-cash register collection method and system |
-
2015
- 2015-01-21 CN CN201510029710.1A patent/CN104537778A/en active Pending
Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105046851A (en) * | 2015-06-25 | 2015-11-11 | 北京超赞捷通网络科技有限公司 | Docking method for quick shopping system and supermarket POS system |
| CN106781117A (en) * | 2015-11-24 | 2017-05-31 | 富士电机株式会社 | The automatic machine control method of giving change of POS POSs and POS POSs |
| CN111465956A (en) * | 2017-04-24 | 2020-07-28 | 马克西姆.维塔利耶维奇.别克涅夫 | Method for executing payment transaction |
| CN110264178A (en) * | 2019-06-18 | 2019-09-20 | 四川商通实业有限公司 | The barcode scanning method of payment of distributed arrangement |
| CN110995754A (en) * | 2019-12-19 | 2020-04-10 | 福建新大陆支付技术有限公司 | Method, device and equipment for managing data message indexes |
| CN110995755A (en) * | 2019-12-19 | 2020-04-10 | 福建新大陆支付技术有限公司 | Method, device and equipment for configuring data message |
| CN111064728A (en) * | 2019-12-19 | 2020-04-24 | 福建新大陆支付技术有限公司 | Method, device and equipment for packing and unpacking data message |
| CN111064728B (en) * | 2019-12-19 | 2022-04-19 | 福建新大陆支付技术有限公司 | Method, device and equipment for packing and unpacking data message |
| CN110995754B (en) * | 2019-12-19 | 2022-08-16 | 福建新大陆支付技术有限公司 | Method, device and equipment for managing data message indexes |
| CN112766952A (en) * | 2021-01-28 | 2021-05-07 | 杉德银卡通信息服务有限公司 | Multi-payment terminal and multi-cash register collection method and system |
| CN112766952B (en) * | 2021-01-28 | 2024-03-29 | 杉德银卡通信息服务有限公司 | Multi-payment terminal and multi-cash register collection method and system |
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Application publication date: 20150422 |
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