CN104658133B - A kind of automatic settlement method and system - Google Patents
A kind of automatic settlement method and system Download PDFInfo
- Publication number
- CN104658133B CN104658133B CN201510075849.XA CN201510075849A CN104658133B CN 104658133 B CN104658133 B CN 104658133B CN 201510075849 A CN201510075849 A CN 201510075849A CN 104658133 B CN104658133 B CN 104658133B
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- China
- Prior art keywords
- card number
- server
- mobile terminal
- encryption device
- key encryption
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- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
The present invention discloses a kind of automatic settlement method and system, and wherein, method includes step：When POS obtains the card number paying, card number is uploaded onto the server, server pushes payment message to mobile terminal according to card number；When user agrees to pay, a key encryption device sends the card number of encryption and password is sent to server by mobile terminal, and then server sends transaction data to banking system, and returns Transaction Information to server；According to default clearing form, dealing money is carried out with statistics clearing, then according to checkout result distributes corresponding fund automatically to proper account.The present invention only needs to market settlement to input program, and Automatic Program carries out real time settlement, billing cycle has been greatly shortened, and has guaranteed the accuracy settled accounts, effectively have recorded data guarantees dates back, desirably prevents business risk simultaneously.
Description
Technical field
The present invention relates to payment and settlement field, more particularly, to a kind of automatic settlement method and system.
Background technology
In prior art, the general mode paying is all to input password confirming by POS to pay, but existing this logical
Crossing POS input password causes POS sufficiently bulky not portable, also has and inputs password by APP, but is easily seen by other people
Clear-text passwords, and the process of existing means of payment input password wastes a lot of times, simultaneously easily when inputting password
Time forgets Password, and meanwhile, existing payment and settlement is manually to count and to crosscheck data mostly, and workload is big, clearing week
Phase is long, accuracy it cannot be guaranteed that.
Therefore, prior art has yet to be improved and developed.
Content of the invention
In view of above-mentioned the deficiencies in the prior art, it is an object of the invention to provide a kind of automatic settlement method and system, purport
Solving, existing clearing form workload is big, billing cycle length, accuracy can not guaranteed problems.
Technical scheme is as follows：
A kind of automatic settlement method, wherein, including step：
A, bound with a key encryption device beforehand through mobile terminal, and card number and password are sent to a key password
Equipment simultaneously preserves；
B, when POS obtain pay card number when, card number is uploaded onto the server, server according to card number push payment disappear
Cease mobile terminal；
C, when user agree to pay when, one key encryption device send encryption card number and password be sent to by mobile terminal
Server, then server send transaction data to banking system, and return Transaction Information to server；
D, according to default clearing form dealing money is carried out statistics clearing, then according to checkout result distributes phase automatically
The fund answered is to proper account.
Described automatic settlement method, wherein, described step A specifically includes：
A1, mobile terminal receive the binding instruction of user, obtain the ID of a key encryption device；
A2, judge according to this ID whether a key encryption device is bound, pass through mobile terminal when unbound close with a key
Decoding apparatus are bound；
A3, card number and password are sent to a key encryption device, then card number and password are encrypted and preserve.
Described automatic settlement method, wherein, described step B specifically includes：
After B1, POS receive swiping card, obtain card number, and upload onto the server；
B2, server judge whether card number is effective；
B3, when card number is effective, according to this card number push payment message to mobile terminal.
Described automatic settlement method, wherein, described step C specifically includes：
When C1, a key encryption device receive the confirmation payment instruction of user, send the card number of encryption and password passes through to move
Dynamic terminal is sent to server；
C2, server send transaction data to banking system；
C3, banking system return Transaction Information to server；
C4, server judge transaction whether success according to Transaction Information, and return judged result to mobile terminal and POS
Machine.
A kind of Automated Clearing House system, wherein, including：
Binding module, for being bound with a key encryption device beforehand through mobile terminal, and card number and password is sent out
Deliver to a key encryption device and preserve；
Pushing module, for when POS obtains the card number paying, card number being uploaded onto the server, server is according to card
Number push payment message to mobile terminal；
Payment module, for when user agrees to pay, a key encryption device sends the card number of encryption and password passes through to move
Dynamic terminal is sent to server, and then server sends transaction data to banking system, and returns Transaction Information to server；
Settlement module, for dealing money being carried out with statistics clearing according to default clearing form, then according to clearing knot
Fruit distributes corresponding fund automatically to proper account.
Described Automated Clearing House system, wherein, described binding module specifically includes：
ID acquiring unit, receives the binding instruction of user, obtains the ID of a key encryption device for mobile terminal；
Binding unit, for judging whether a key encryption device is bound according to this ID, passes through mobile whole when unbound
End and a key encryption device binding；
Card number and password, for card number and password are sent to a key encryption device, are then encrypted by storage unit
And preserve.
Described Automated Clearing House system, wherein, described pushing module specifically includes：
Uploading unit, receives after swiping card for POS, obtains card number, and uploads onto the server；
For server, judging unit, judges whether card number is effective；
Push unit, for when card number is effective, pushing payment message to mobile terminal according to this card number.
Described Automated Clearing House system, wherein, described payment module specifically includes：
Card number transmitting element, receive for a key encryption device user confirmation payment instruction when, send encryption card
Number and password server is sent to by mobile terminal；
Transaction data transmitting element, sends transaction data to banking system for server；
Transaction Information returning unit, returns Transaction Information to server for banking system；
According to Transaction Information, judged result returning unit, judges whether transaction is successful for server, and returns judgement knot
Fruit is to mobile terminal and POS.
Beneficial effect：The present invention only needs to market settlement to input program, and Automatic Program carries out real time settlement, significantly contracts
Short billing cycle, and guarantee the accuracy settled accounts, effectively have recorded data guarantees dates back simultaneously, is conducive to preventing
Only business risk.
Brief description
Fig. 1 is a kind of flow chart of present invention automatic settlement method preferred embodiment.
Fig. 2 is the particular flow sheet of step S101 in method shown in Fig. 1.
Fig. 3 is the particular flow sheet of step S102 in method shown in Fig. 1.
Fig. 4 is the particular flow sheet of step S103 in method shown in Fig. 1.
Fig. 5 is a kind of structured flowchart of present invention Automated Clearing House system preferred embodiment.
Fig. 6 is the concrete structure block diagram of binding module in system shown in Figure 5.
Fig. 7 is the concrete structure block diagram of pushing module in system shown in Figure 5.
Fig. 8 is the concrete structure block diagram of payment module in system shown in Figure 5.
Specific embodiment
The present invention provides a kind of automatic settlement method and system, for making the purpose of the present invention, technical scheme and effect more
Clear, clear and definite, the present invention is described in more detail below.It should be appreciated that specific embodiment described herein only in order to
Explain the present invention, be not intended to limit the present invention.
Refer to Fig. 1, Fig. 1 is a kind of flow chart of present invention automatic settlement method preferred embodiment, as illustrated, its bag
Include step：
S101, bound with a key encryption device beforehand through mobile terminal, and card number and password are sent to a key
Encryption device simultaneously preserves；
S102, when POS obtain pay card number when, card number is uploaded onto the server, server according to card number push
Pay message to mobile terminal；
S103, when user agree to pay when, one key encryption device send encryption card number and password sent out by mobile terminal
Deliver to server, then server sends transaction data to banking system, and returns Transaction Information to server；
S104, according to default clearing form dealing money is carried out statistics clearing, then according to checkout result is divided automatically
Join corresponding fund to proper account.
In embodiments of the present invention, card number and password are saved in the middle of a key encryption device, when user card punching pays, only
Card number and password need to be sent by a key encryption device, finally banking system be uploaded to by server and paid, institute
So that for a user, it need not carry out inputting the operation of password, even if forget Password also can pay.And only need in advance knot
Calculate rule（Clearing form）Input program, Automatic Program carries out real time settlement, and billing cycle has been greatly shortened, and guarantees to settle accounts
Accuracy, effectively have recorded data guarantees dates back simultaneously, desirably prevents business risk.
For example, when being settled accounts, the fund of payment can be divided into payment for goods, express fee by market settlement, and by payment for goods
Put goods arrival payment account under, and express fee is then divided into express delivery branch company to be divided into, express delivery RDC is divided into and courier is divided into.And this
It is required for being written with market settlement, so can be divided accordingly according to market settlement, thus accomplished real time settlement,
Avoid and manually remove statistical data, convenient and swift.
Certainly above-mentioned simply citing, in concrete application, its market settlement can enter line translation and tune according to practical situation
Whole, make the settlement method of the present invention meet specific application scenarios.
Further, as shown in Fig. 2 described step S101 specifically includes：
S201, mobile terminal receive the binding instruction of user, obtain the ID of a key encryption device；
S202, judge according to this ID whether a key encryption device is bound, pass through mobile terminal and a key when unbound
Encryption device is bound；
S203, card number and password are sent to a key encryption device, then card number and password are encrypted and preserve.
One app with binding one key encryption device can be installed first on mobile terminals, after starting this app, use
Bound device icon can be clicked in family, then can input the ID of a key encryption device, then can be uploaded onto the server, server
This key encryption device is judged whether bound in other users according to this ID, when binding, then Bind Failed return shifting
Dynamic terminal, if unbound, the message of binding success is returned mobile terminal.After binding success, card number and password can be sent out
Deliver to a key encryption device, then card number and password are encrypted, then card number and password are preserved, so, the card number of user
It has been stored on a key encryption device with password, user then need not remember card number and password.
Further, as shown in figure 3, described step S102 specifically includes：
After S301, POS receive swiping card, obtain card number, and upload onto the server；
S302, server judge whether card number is effective；
S303, when card number is effective, according to this card number push payment message to mobile terminal.
When courier or staff provide POS to be swiped the card to user, the amount of money of swiping the card can be inputted, then give and use
Swipe the card in family, after the completion of swiping card, POS gets the card number swiped the card, and then card number is uploaded onto the server, and server can be sentenced
Whether effectively break this card number, if invalid, swipes the card unsuccessfully.If effectively, according to card number push payment message to mobile terminal, that is,
Payment message is checked by user, and is confirmed whether to be paid.
Further, as shown in figure 4, described step S103 specifically includes：
When S401, a key encryption device receive the confirmation payment instruction of user, send the card number of encryption and password passes through
Mobile terminal is sent to server；
S402, server send transaction data to banking system；
S403, banking system return Transaction Information to server；
S404, server judge transaction whether success according to Transaction Information, and return judged result to mobile terminal and POS
Machine.
When user passes through this payment message, confirmation is errorless and when agreeing to pay, the payment that can press next key encryption device is pressed
Button, such key encryption device receives the confirmation payment instruction of user, and then a key encryption device is by the card number of wherein encryption
It is sent to mobile terminal app with password, mobile terminal app judges whether to retrieve corresponding password, if when, then submit card number to
With password to server, server will send transaction data to banking system, and banking system returns Transaction Information after being processed
To server, according to Transaction Information, server judges whether whether transaction is successful, then will return judged result to mobile terminal
And POS, point out whether both sides conclude the business successfully.
In the present invention, the algorithm of encryption completes in a key encryption device, and the algorithm deciphered completes on the server, allows
Both separate, so that payment process is safer.For example with 3DES（Triple DEAs）AES carries out adding
Close, the data key using 3 56 carries out Tertiary infilling, and it is implemented as follows：If Ek () and Dk () represents DES algorithm
Encryption and decryption processes, K represents the key of DES algorithm use, and P represents plaintext, and C represents ciphertext：
3DES encryption process is：C=Ek3(Dk2(Ek1(P)))
3DES decrypting process is：P=Dk1(EK2(Dk3(C)))
And payment process is assisted by customer mobile terminal app, its safety is guaranteed.
A further, since key encryption device serves vital effect in whole payment process, so its safety
Property also most important, if lose if it is most likely that causing the property loss of user.So also can pacify on a key encryption device
Dress GPS module, and is connected with communication of mobile terminal, by mobile terminal app can with the position of real time inspection one key encryption device,
With anti-lost.Meanwhile, lock function and the clearing password function of a key encryption device can also be increased, if the user discover that oneself one
Key encryption device lose or can not find, can be sent by mobile terminal app lock instruction to a key encryption device so as to
Card number and password, and then the safety of protection user account can not be sent out, and after finding, a key encryption device can be carried out
Unblock, thus recover its normal function.Do not find a key encryption device for a long time or confirm lost in addition, working as and the user discover that
One key encryption device, can send the instruction removing card number and password by mobile terminal app, and a key encryption device receives
After instruction, carrying out self-destruction, thus removing card number therein and password, thoroughly ensureing user account safety.
Certainly, a key encryption device of the present invention can also connect other payment app, is paid by its powerful key
Function, to complete to pay, or communicates to connect ATM using a key encryption device, thus completing no to block withdrawal function.
Additionally, user can also send the function of Modify password by mobile terminal app, for example, send Modify password and refer to
Make to a key encryption device, make a key encryption device more new password re-encrypted and preserve.Or, also can increase card number and corresponding
Password, thus increasing payment accounts.
Based on said method, the present invention also provides a kind of automatic settlement method preferred embodiment, as shown in figure 5, it includes：
Binding module 100, for being bound with a key encryption device beforehand through mobile terminal, and by card number and password
It is sent to a key encryption device and preserve；
Pushing module 200, for when POS obtain pay card number when, card number is uploaded onto the server, server according to
Card number pushes payment message to mobile terminal；
Payment module 300, for when user agrees to pay, a key encryption device sends the card number of encryption and password passes through
Mobile terminal is sent to server, and then server sends transaction data to banking system, and returns Transaction Information to server；
Settlement module 400, for dealing money being carried out with statistics clearing according to default clearing form, then according to clearing
Result distributes corresponding fund automatically to proper account.
Further, as shown in fig. 6, described binding module 100 specifically includes：
ID acquiring unit 110, receives the binding instruction of user, obtains the ID of a key encryption device for mobile terminal；
Binding unit 120, for judging whether a key encryption device is bound according to this ID, passes through to move when unbound
Terminal and a key encryption device binding；
Card number and password, for card number and password are sent to a key encryption device, then are carried out adding by storage unit 130
Close and preserve.
Further, as shown in fig. 7, described pushing module 200 specifically includes：
Uploading unit 210, receives after swiping card for POS, obtains card number, and uploads onto the server；
For server, judging unit 220, judges whether card number is effective；
Push unit 230, for when card number is effective, pushing payment message to mobile terminal according to this card number.
Further, as shown in figure 8, described payment module 300 specifically includes：
Card number transmitting element 310, receive for a key encryption device user confirmation payment instruction when, send encryption
Card number and password are sent to server by mobile terminal；
Transaction data transmitting element 320, sends transaction data to banking system for server；
Transaction Information returning unit 330, returns Transaction Information to server for banking system；
According to Transaction Information, judged result returning unit 340, judges whether transaction is successful for server, and returns judgement
Result is to mobile terminal and POS.
Ins and outs with regard to above-mentioned modular unit are described in detail in method above, therefore repeat no more.
In sum, the present invention only needs to market settlement to input program, and Automatic Program carries out real time settlement, significantly contracts
Short billing cycle, and guarantee the accuracy settled accounts, effectively have recorded data guarantees dates back simultaneously, is conducive to preventing
Only business risk.
It should be appreciated that the application of the present invention is not limited to above-mentioned citing, for those of ordinary skills, can
To be improved according to the above description or to convert, all these modifications and variations all should belong to the guarantor of claims of the present invention
Shield scope.
Claims (8)
1. a kind of automatic settlement method is it is characterised in that include step：
A, bound with a key encryption device beforehand through mobile terminal, and card number and password are sent to a key encryption device
And preserve；
B, when POS obtain pay card number when, card number is uploaded onto the server, server according to card number push payment message arrive
Mobile terminal；
C, when user agree to pay when, one key encryption device send encryption card number and encryption password sent by mobile terminal
To server, then server sends transaction data to banking system, and returns Transaction Information to server；
D, according to default clearing form, dealing money is carried out with statistics clearing, then according to checkout result automatically distribute corresponding
Fund is to proper account.
2. automatic settlement method according to claim 1 is it is characterised in that described step A specifically includes：
A1, mobile terminal receive the binding instruction of user, obtain the ID of a key encryption device；
A2, judge according to this ID whether a key encryption device is bound, set with a key password by mobile terminal when unbound
Standby binding；
A3, card number and password are sent to a key encryption device, then card number and password are encrypted and preserve.
3. automatic settlement method according to claim 1 is it is characterised in that described step B specifically includes：
After B1, POS receive swiping card, obtain card number, and upload onto the server；
B2, server judge whether card number is effective；
B3, when card number is effective, according to this card number push payment message to mobile terminal.
4. automatic settlement method according to claim 1 is it is characterised in that described step C specifically includes：
When C1, a key encryption device receive the confirmation payment instruction of user, send the card number of encryption and password passes through to move eventually
End is sent to server；
C2, server send transaction data to banking system；
C3, banking system return Transaction Information to server；
According to Transaction Information, C4, server judge whether transaction is successful, and return judged result to mobile terminal and POS.
5. a kind of Automated Clearing House system is it is characterised in that include：
Binding module, for being bound with a key encryption device beforehand through mobile terminal, and card number and password is sent to
One key encryption device simultaneously preserves；
Pushing module, for when POS obtains the card number paying, card number being uploaded onto the server, server pushes away according to card number
Payment message is sent to arrive mobile terminal；
Payment module, for when user agrees to pay, the password of card number and encryption that a key encryption device sends encryption passes through
Mobile terminal is sent to server, and then server sends transaction data to banking system, and returns Transaction Information to server；
Settlement module, for dealing money being carried out with statistics clearing according to default clearing form, then according to checkout result is certainly
The corresponding fund of dynamic distribution is to proper account.
6. Automated Clearing House system according to claim 5 is it is characterised in that described binding module specifically includes：
ID acquiring unit, receives the binding instruction of user, obtains the ID of a key encryption device for mobile terminal；
Binding unit, for judging whether a key encryption device is bound according to this ID, when unbound pass through mobile terminal with
One key encryption device binding；
Card number and password, for card number and password are sent to a key encryption device, are then encrypted and protect by storage unit
Deposit.
7. Automated Clearing House system according to claim 5 is it is characterised in that described pushing module specifically includes：
Uploading unit, receives after swiping card for POS, obtains card number, and uploads onto the server；
For server, judging unit, judges whether card number is effective；
Push unit, for when card number is effective, pushing payment message to mobile terminal according to this card number.
8. Automated Clearing House system according to claim 5 is it is characterised in that described payment module specifically includes：
Card number transmitting element, receive for a key encryption device user confirmation payment instruction when, send encryption card number and
Password is sent to server by mobile terminal；
Transaction data transmitting element, sends transaction data to banking system for server；
Transaction Information returning unit, returns Transaction Information to server for banking system；
According to Transaction Information, judged result returning unit, judges whether transaction is successful for server, and returns judged result extremely
Mobile terminal and POS.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510075849.XA CN104658133B (en) | 2015-02-13 | 2015-02-13 | A kind of automatic settlement method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510075849.XA CN104658133B (en) | 2015-02-13 | 2015-02-13 | A kind of automatic settlement method and system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN104658133A CN104658133A (en) | 2015-05-27 |
| CN104658133B true CN104658133B (en) | 2017-03-08 |
Family
ID=53249200
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510075849.XA Expired - Fee Related CN104658133B (en) | 2015-02-13 | 2015-02-13 | A kind of automatic settlement method and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN104658133B (en) |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110705981B (en) * | 2018-07-09 | 2024-04-05 | 京东科技控股股份有限公司 | Real-time settlement method and device |
Family Cites Families (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2974459B2 (en) * | 1991-06-21 | 1999-11-10 | エヌシーアール インターナショナル インコーポレイテッド | Travel route data collection system |
| JP4198625B2 (en) * | 2004-03-30 | 2008-12-17 | シャープ株式会社 | Point processing apparatus, point processing program, and point processing program recording medium |
| CN101990029A (en) * | 2009-08-05 | 2011-03-23 | 黄苗苗 | Mobile interactive system and application method and related equipment thereof |
| CN102005087A (en) * | 2009-08-28 | 2011-04-06 | 中国银联股份有限公司 | Multi-bank-card-in-one device and method for payment by using same |
| CN102184499A (en) * | 2011-05-27 | 2011-09-14 | 钱袋网（北京）信息技术有限公司 | Account information binding method, financial transaction method and mobile terminal |
| CN102360478A (en) * | 2011-10-14 | 2012-02-22 | 快钱支付清算信息有限公司 | Mobile terminal-based payment method and system |
| CN103956006B (en) * | 2014-05-14 | 2016-06-08 | 金陵科技学院 | The portable bank settlement device of high security |
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2015
- 2015-02-13 CN CN201510075849.XA patent/CN104658133B/en not_active Expired - Fee Related
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| Publication number | Publication date |
|---|---|
| CN104658133A (en) | 2015-05-27 |
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