Application POS payment terminal collects, management and control electricity charge system and method thereof
Technical field
The present invention relates to POS terminal intelligence fare payment system, particularly power supply enterprise's application POS payment terminal collect, the system of management and control electricity charge fund and application process thereof.
Background technology
The work of electricity charge recovery of the capital is the important step of power supply enterprise's operation control, after rural area electricity charge recovery of the capital, wide by rural area, geographical environment, financial institution, financial institution services, the disappearance of financial settlement system, the factors such as higher level company management regulation, the electricity charge fund reclaimed to power supply enterprise collects, turn over and bring many obstacles, fund collection efficiency is lower and there is greater risk, realize fund by power supply enterprise to electricity charge fund to collect in real time, charge to the financial management regulation that bank account stops financing deposition in real time, operation control cannot be met, accounting management requirement.Traditional Unionpay's POS terminal just allows application after being through Unionpay's certification, an equipment is only limitted to a trade company and only uses trade company's numbering, a terminal number, and what single terminal was corresponding is a separate keys.Therefore, POS payment terminal collects electricity charge fund and relates to power supply enterprise and collect the construction of management and control, electricity charge fund system in rural area power supply station without account.
According to electric power collection of funds demand, need to design terminal program: the Transaction Information of simultaneously initiating multiple difference numbering on a device end, namely remove from and use numerous equipment to go operation, the task that multiple terminal device operates separately is completed with a station terminal, so both handled easilies, are convenient to again management.Strictly speaking, when many numbering operations switch, need the numbering relevant information encryption of application high resistance magnetic stripe control card corresponding trade company, store, and use this control card to switch, but different cards is used constantly to switch in practical application, instead loaded down with trivial details, so require to omit the different card switching flow of frequent use, swipe the card when operating and directly obtain this card, transfer the information such as trade company of corresponding power supply station numbering immediately, this power supply station's fund can be completed and turn over transaction.So technically require to reach: the corresponding unique power supply station of an independent bank card (in particular cases, the corresponding bank card of power supply station can formulate multiple), namely the bank card of each power supply station is brushed, corresponding different trade company's numberings, final like this to realize each power supply station be independent income, on the present settlement accounts of data volume.To sum up, Unionpay's commercial affairs are needed to carry out transformation to meet technical requirement set forth above to existing POS payment terminal program.
Summary of the invention
The present invention seeks to as solving rural area power supply station without account management, the obstacle collecting electricity charge fund in real time, proposing that a kind of power supply enterprise application POS payment terminal collects, the system of management and control electricity charge fund and application process thereof.Make power supply enterprise apply POS payment terminal to associate with power supply enterprise bank account and bind, realize that rural area power supply station to collect stroke in real time without bank account, management and control electricity charge fund.
The present invention adopts a device end to initiate the Transaction Information of multiple difference numbering simultaneously, requirement reaches the corresponding unique power supply station of an independent bank card, one or multiple bank cards can be formulated below power supply station, namely different card numbers is brushed, corresponding different trade company's numberings, finally realizing each power supply station electricity charge fund is independent income, in fund imformosome present power supply enterprise bank account, account fund also associates power supply enterprise's Fare Collection System, meets power supply enterprise's electricity charge capital management and adjusts the requirement of keeping accounts separately.
The present invention proposes following technical scheme for achieving the above object: a kind of application POS payment terminal collects, the system of management and control electricity charge fund, this POS payment terminal comprises by the storer of central processor CPU connection control, power module, card information read module, keyboard display module, temporary storage cell, communication print module, LCD display module and clock module, it is characterized in that: this system also comprises the multi-key cipher storage unit controlled by central processor CPU, many trade companies encrypting module, many trade companies unit module, many merchant informations export and receiver module, multi-key cipher storage unit is connected to CPU, many trade companies encrypting module, the many merchant informations receiver module connecting CPU enters many trade companies unit module by many merchant informations output module, adopt a device end many trade companies unit module to be initiated to the Transaction Information of multiple difference numbering simultaneously, reach the corresponding trade company's unit of an independent bank card, card information read module receives card information, relevant information program element corresponding to many merchant informations module is transferred by master cpu, extract trade company's coding, the key information of card number corresponding POS payment terminal inside trade household unit, derive corresponding trade company's unit information by many merchant informations output module, can formulate one or more bank card below trade company's unit, corresponding different trade company's element numbers, finally realizing each trade company unit electricity charge fund is independent income, and trade company's unit electricity charge fund is powered in bank account now by handwriting,
Described multi-key cipher storage unit, many trade companies encrypting module and many trade companies unit module can meet following safety requirements POS payment terminal being collected to electricity charge fund:
(1) POS payment terminal Actor password independently can be arranged and revises;
(2) card type that POS payment terminal accepts interchanger is only limitted to debit card, and need to carry out the binding with terminal device to the bank card that will use before application, the bank card do not bound cannot use on this equipment, can increase at any time, subtract bank card, at Unionpay's system background shielding credit card trade;
(3) function is cancelled in the consumption of closing POS payment terminal, can only income, can not enter an item of expenditure in the accounts; Each trade company unit uses the bank card of specifying, and just can conclude the business on POS payment terminal, also will bind for terminal bank card, does not bind bank card and can not accept in POS terminal for other any one.
Described multi-key cipher storage unit, many trade companies encrypting module, many trade companies unit module, many merchant informations export and receiver module makes POS payment terminal realize following clearance:
(1) POS payment terminal program is developed separately according to the business demand of power supply enterprise, meet the demand that a payment terminal carries out the many payment terminal clearances of multiple trade companies unit, when multiple trade company's unit operations payment terminal, equipment travelling speed is not less than individual unit stand-alone terminal travelling speed;
(2) the hardware technology standard of POS payment terminal equipment is through Unionpay's relevant authentication, reaches networking standard;
(3) clear transfer service, clearance transfer platform Operation system setting independently fund pay for function first, reach the bank account fully entering and power and specify, operation flow cleared unit and pay for service charge first in advance.
The safety requirements that described multi-key cipher storage unit, many trade companies encrypting module and many trade companies unit module meet POS payment terminal collects electricity charge fund has: the login pattern that this payment terminal takes Unionpay's commercial affairs proprietary, the telephone number that terminal accesses is carried out information acquisition on backstage, adopt the access of other phone number when terminal is removed, backstage automatic monitoring provides alarm.
The transaction flow that the present invention's application POS payment terminal collects operation of funds path is:
(1) in the standby state, brush bank card, receive card information by card information read module, central processor CPU transfers trade company's unit information corresponding to many merchant informations module, extracts coding, the key information of card number corresponding POS payment terminal equipment inside trade household unit;
(2) derived by many merchant informations output module, namely corresponding trade company's unit information, then inputs the key element such as the amount of money, clip pin, and after confirming, encryption once;
(3) before sending and uploading enciphered message, call multi-key cipher storage unit, in multi-key cipher storage unit, the corresponding unique key of each trade company cell encoding, is uploaded to Unionpay's switching by communication line after superencipher, and withholds in real time and be transferred to issuing bank;
(4) Transaction Information result is back to POS payment terminal by original route by issuing bank, one card binding one trade company's cell encoding, POS payment terminal Transaction Success, carries out reconciliation to funds transaction information by transaction platform, and automatically puts the electricity charge fund bank account of power supply department under.
The present invention changes rural area and utilizes bank account collect electricity charge fund and breach POS payment terminal traditional consumption function, eliminates and uses numerous equipment to go to carry out payment operation, uses a station terminal to reach the effect using multiple terminal to operate separately.POS payment terminal system of the present invention is mainly used in the power supply station of basic unit that the less or means of settlement in country bank site falls behind and uses, collect the specified account that a step is directly put under higher level nominated bank by the electricity charge; In R ural Sales Networks power supply station by the electricity charge amount of money collected stored in a bank card, then to swipe the card in POS with bank card, put the account of receipts that Utilities Electric Co. specifies under.The feature of the present invention compared with conventional monomer POS terminal is as shown in the table:
Electric power system fund collects payment terminal and conventional terminal contrasts
Accompanying drawing explanation
Fig. 1 is that the present invention POS payment terminal collects, management and control electricity charge system logic schematic diagram.
Fig. 2 is that the present invention POS payment terminal collects electricity charge operation of funds path process flow diagram to public affairs.
Embodiment
Below by accompanying drawing, the specific embodiment of the invention is described further.
As Fig. 1, shown in Fig. 2, POS payment terminal of the present invention comprises by the storer of central processor CPU connection control, power module, card information read module, keyboard display module, temporary storage cell, communication print module, LCD display module and clock module, this system also comprises the multi-key cipher storage unit controlled by central processor CPU, many trade companies encrypting module, many trade companies unit module, many merchant informations export and receiver module, multi-key cipher storage unit is connected to CPU, many trade companies encrypting module, the many merchant informations receiver module connecting CPU enters many trade companies unit module by many merchant informations output module, adopt a device end many trade companies unit module to be initiated to the Transaction Information of multiple difference numbering simultaneously, reach the corresponding trade company's unit (power supply station) of an independent bank card (account), card information read module receives card information, relevant information program element corresponding to many merchant informations module is transferred by master cpu, extract trade company's coding, the key information of corresponding POS payment terminal inside trade household unit (power supply station) of card number, derive corresponding trade company's unit information by many merchant informations output module, can formulate the bank card of one or multiple different card numbers or account below trade company's unit, corresponding different trade company's element numbers, finally realizing each trade company unit electricity charge fund is independent income, and trade company's unit electricity charge fund is powered in bank account now by handwriting, in fund imformosome present power supply enterprise bank account, account fund also associates power supply enterprise's Fare Collection System, meeting power supply enterprise's electricity charge capital management and adjust the requirement of keeping accounts separately, namely without the need to using numerous equipment to go operation, using a station terminal to reach the effect using multiple terminal to operate separately.
In present system, multi-key cipher storage unit, many trade companies encrypting module and many trade companies unit module can meet following safety requirements POS payment terminal being collected to electricity charge fund:
(1) POS payment terminal Actor password independently can be arranged and revises, and avoids unrelated person arbitrarily to operate, to improve security;
(2) card type that POS payment terminal accepts interchanger is only limitted to debit card, and need to carry out the binding with terminal device to the bank card that will use before application, the bank card do not bound cannot use on this equipment, can increase at any time, subtract bank card, and at Unionpay's backstage shielding credit card trade; The shielding of this function is the risk preventing credit card arbitrage, money laundering etc. from causing, and reaches the related request that fund collects inner management aspect, greatly reduces fund flow risk;
(3) close the consumption of POS terminal and cancel function, namely can only income, can not enter an item of expenditure in the accounts; Each trade company unit uses the bank card of specifying, and just can conclude the business on POS payment terminal, trade company of Unionpay technician binds for terminal these bank cards, does not bind bank card and can not accept in POS terminal for other any one.
(4) prompt functions, the login pattern that this payment terminal takes Unionpay's commercial affairs proprietary, the telephone number that terminal accesses is carried out information acquisition on backstage, and adopt the access of other phone number when terminal is removed, backstage can provide alarm by automatic monitoring.
In present system, multi-key cipher storage unit, many trade companies encrypting module, many trade companies unit module, the output of many merchant informations and receiver module can make below POS payment terminal realization clear function:
(1) POS payment terminal program is developed separately according to the business demand of power supply enterprise, meet the demand that a payment terminal carries out the many payment terminal clearances of multiple trade companies unit, when multiple trade company's unit operations payment terminal, equipment travelling speed is not less than individual unit stand-alone terminal travelling speed;
(2) for realizing above target, POS terminal should be that configuration performance is the highest, and ensures travelling speed, and the hardware technology standard of POS payment terminal equipment, through Unionpay's relevant authentication, reaches networking standard;
(3) transfer platform system is cleared, when carrying out switching, the clearance of fund, Unionpay's platform generally understands bales catch except corresponding service charge, must fully keep accounts by power supply financing requirement, in order to reach this purpose, clearance transfer platform Operation system setting independently fund pay for function first, reach and fully entering power supply to formulate income indoor, operation flow being cleared unit needs to pay for service charge first in advance;
(4) safe aspect is had higher requirement; Independently fund is needed for backstage and pays for technical support first; Higher to hardware (main frame, code keypad) index request, select the equipment that every hardware index is enough spacious and comfortable.The performance technologies index of each module of native system is:
Master cpu: i.e. central processing unit, 64 RIS CPU, ARM9 kernels, dominant frequency 400MHz;
Power module: input: AC110220,50/60Hz, 2.0A; Export: DC6.5V, 2.0A, DC8.2V, 4.0A;
Keypad clock module: 25 key 128*64 dot matrix band LED-backlit;
Card information read module: magnetic card, meets IS07812 standard, supports 1/2 magnetic track, 2/3 magnetic track, 1/2/3 magnetic track, supports two-way swiping the card; IC-card, user's IC-card card reader, trade company's IC-card card reader, meet IS07816 standard, MIFARE modules A/B;
Storer: FLASH 4M Bytes; SDRAM 8M Bytes; SRAM 128K Bytes (power down protection);
Print module: support that paper is wide: 58mm, 8 points/mm;
Communication module: PSTN modulator-demodular unit: synchronous .2400bps, asynchronous 33.6kbps (can TCP/IP be matched, GPRS or CDMA module);
As shown in Figure 2, applying the transaction flow that POS payment terminal of the present invention collects fund is:
(1) in the standby state, brush bank card, the relative program unit information of card is received by " card information read module ", trade company's unit information of correspondence that central processor CPU is transferred " many merchant informations module ", extracts coding, the key information of corresponding POS payment terminal equipment inside trade household unit (power supply station) of card number;
(2) derived by " many merchant informations output module ", namely corresponding trade company's unit information, then inputs the key element such as the amount of money, clip pin, and after confirming, encryption once;
(3) before enciphered message is uploaded in transmission, call " multi-key cipher storage unit ", in multi-key cipher storage unit, the corresponding unique key of each trade company cell encoding, is uploaded to Unionpay's switching by communication line after superencipher, and withholds in real time and be transferred to issuing bank;
(4) Transaction Information result is back to POS payment terminal by original route by issuing bank, one card binding one trade company's cell encoding, POS payment terminal Transaction Success, then by transaction platform, reconciliation is carried out to funds transaction information, and automatically put the electricity charge fund bank account of power supply department under.
The present invention other not describe part same as the prior art.