CN105550858A - Payment terminal and payment method therefor - Google Patents
Payment terminal and payment method therefor Download PDFInfo
- Publication number
- CN105550858A CN105550858A CN201610035485.7A CN201610035485A CN105550858A CN 105550858 A CN105550858 A CN 105550858A CN 201610035485 A CN201610035485 A CN 201610035485A CN 105550858 A CN105550858 A CN 105550858A
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- China
- Prior art keywords
- payment
- currency type
- stored value
- value card
- information
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
- G06Q20/0655—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/407—Cancellation of a transaction
Abstract
The invention provides a payment terminal and a payment method therefor. The method comprises the steps that a payment module obtains payment information from an outside device and transmits the payment information to a processing module, wherein the payment information comprises a currency type information and a payment amount; and the processing module processes the payment information, obtains the currency type information, calls an electronic purse of a corresponding currency type in a storage module according to the currency type information, and finishes payment with the outside device through the payment module by using the electronic purse of the corresponding currency type. By implementing the method, electronic purses of different currency types are arranged, so that when traveling among different countries and regions, for a scene that the electronic purses of the different currency types are used based on a same payment principle, a user only needs to carries one payment terminal without the need for frequently changing the payment terminal; and even if the user makes a payment by using the payment terminal such as a mobile phone or the like, due to no need for communication with the internet, communication fees are not generated and the user does not need to change a payment mode, so that the user experience is enhanced.
Description
Technical field
The present invention relates to payment technical field, particularly relate to a kind of payment terminal and method of payment thereof.
Background technology
Along with development in science and technology, the interchange between country variant or area is day by day close, and the condition of reaching of out of town trip is day by day simple, while meeting user's trip requirements, because country variant or area use different Currency Types, also must cause some trip problems.Mass transit card as different regions can not be general, and it must cause user to handle multiple mass transit cards, causes user to use inconvenience, analyzes from actualizing technology, and the principle of work of these mass transit cards is all identical, is only that the memory function of inner stored value card is different; And for example user is in its national major area, get used to and has used the terminal device such as mobile phone to pay, and in other countries or area, due to the costliness of network charges and communication cost, user can not continue to use mobile phone to pay.That is, in the prior art, user needs to use the different modes of payments at country variant or area, reduces the experience of user.
Therefore, those skilled in the art urgently provide a kind of payment terminal, to solve the technical matters that user in the prior art needs to use at country variant or area the different modes of payments.
Summary of the invention
The invention provides a kind of payment terminal and method of payment thereof, to solve the problem that user in the prior art needs to use at country variant or area the different modes of payments.
The invention provides a kind of method of payment for payment terminal, payment terminal comprises payment module, processing module and memory module, and memory module comprises the stored value card of at least two different Currency Types; Method of payment comprises:
Payment module obtains payment information from external device, and transfers to processing module, and payment information comprises Currency Type information and payment;
Processing module process payment information, obtains Currency Type information, calls the stored value card of corresponding Currency Type in memory module, use the stored value card of corresponding Currency Type, complete payment by payment module and external device according to Currency Type information.
Further, also comprise: by memory blocks different for the wallet of the stored value card of different Currency Type write memory module; Memory block is provided with the electronic tag storing Currency Type information, the stored value card that processing module calls corresponding Currency Type in memory module according to Currency Type information comprises: the Currency Type that processing module is supported by electronic label identification stored value card, inquires about and calls the stored value card of corresponding Currency Type.
Further, also comprise: connect source stored value card and target electronic wallet, obtain the Currency Type exchange rate, based on the Currency Type exchange rate, the amount of money in the stored value card of source is converted to the amount of money of target electronic wallet.
Further, also comprise: obtain locating information, based on the corresponding relation of region-Currency Type that locating information and memory module store, determine current location standard coin kind, the stored value card of corresponding Currency Type is selected, as main stored value card from the stored value card of at least two different Currency Types; Processing module, when receiving payment information, directly uses main stored value card to pay.
Further, also comprise: the Currency Type information of current location standard coin kind and payment information is compared, if both are consistent, then carry out payment flow, if inconsistent, then suspend payment flow process, and notify user.
The invention provides a kind of payment terminal, it comprises: payment module, processing module and memory module, wherein,
Memory module is for storing the stored value card of at least two different Currency Types
Payment module is used for obtaining payment information from external device, and transfers to processing module, and payment information comprises Currency Type information and payment;
Processing module, for the treatment of payment information, obtains Currency Type information, calls the stored value card of corresponding Currency Type in memory module, use the stored value card of corresponding Currency Type, complete payment by payment module and external device according to Currency Type information.
Further, memory module also writes the different memory block of memory module for the wallet of the stored value card by different Currency Type; Memory block is provided with the electronic tag storing Currency Type information, the stored value card that processing module calls corresponding Currency Type in memory module according to Currency Type information comprises: the Currency Type that processing module is supported by electronic label identification stored value card, inquires about and calls the stored value card of corresponding Currency Type.
Further, processing module, also for connecting source stored value card and target electronic wallet, obtaining the Currency Type exchange rate, based on the Currency Type exchange rate, the amount of money in the stored value card of source being converted to the amount of money of target electronic wallet.
Further, processing module also for: obtain locating information, based on the corresponding relation of region-Currency Type that locating information and memory module store, determine current location standard coin kind, the stored value card of corresponding Currency Type is selected, as main stored value card from the stored value card of at least two different Currency Types; When receiving payment information, main stored value card is directly used to pay.
Further, processing module also for: the Currency Type information of current location standard coin kind and payment information is compared, if both are consistent, then carries out payment flow, if inconsistent, then suspend payment flow process, and notify user.
Beneficial effect of the present invention:
The invention provides a kind of new payment terminal, the memory module of this payment terminal is provided with the stored value card of different Currency Type, when travelling between country variant and area like this, for identical payment principle, use the scene of different Currency Type stored value card, user frequently need not change payment terminal, only carry a payment terminal, even if when user uses the payment terminals such as mobile phone to pay, owing to not needing to communicate with internet, communication cost can not be produced, user need not change the modes of payments, solve the technical matters that user in the prior art needs to use at country variant or area the different modes of payments, enhance the experience of user.
Accompanying drawing explanation
The structural representation of the payment terminal that Fig. 1 provides for first embodiment of the invention;
The process flow diagram of the method for payment that Fig. 2 provides for second embodiment of the invention;
The structural representation of the payment terminal that Fig. 3 provides for third embodiment of the invention.
Embodiment
Now by embodiment mode by reference to the accompanying drawings the present invention made and further annotate explanation.
First embodiment:
The structural representation of the payment terminal that Fig. 1 provides for first embodiment of the invention, as shown in Figure 1, in the present embodiment, payment terminal 1 provided by the invention comprises: payment module 11, processing module 12 and memory module 13, wherein,
Memory module 13 is for storing the stored value card of at least two different Currency Types
Payment module 11 for obtaining payment information from external device, and transfers to processing module, and payment information comprises Currency Type information and payment; In actual applications, payment module 11 can be radio-frequency card, payment information is obtained based on near-field communication technology, it can also be the first-class scanister of shooting, the gathering code provided by scanning trade company obtains payment information, can also be the display device such as display screen, obtains payment information by the payment code provided to trade company, can also be the audio interface such as microphone, loudspeaker, obtain payment information by simulated audio signal or digital audio and video signals;
Processing module 12, for the treatment of payment information, obtains Currency Type information, calls the stored value card of corresponding Currency Type in memory module, use the stored value card of corresponding Currency Type, complete payment by payment module and external device according to Currency Type information.
In certain embodiments, the memory module 13 in above-described embodiment also writes the different memory block of memory module for the wallet of the stored value card by different Currency Type; Memory block is provided with the electronic tag storing Currency Type information, the stored value card that processing module calls corresponding Currency Type in memory module according to Currency Type information comprises: the Currency Type that processing module is supported by electronic label identification stored value card, inquires about and calls the stored value card of corresponding Currency Type.
In certain embodiments, the processing module 12 in above-described embodiment, also for connecting source stored value card and target electronic wallet, obtaining the Currency Type exchange rate, based on the Currency Type exchange rate, the amount of money in the stored value card of source being converted to the amount of money of target electronic wallet.
In certain embodiments, processing module 12 in above-described embodiment also for: obtain locating information, based on the corresponding relation of region-Currency Type that locating information and memory module store, determine current location standard coin kind, the stored value card of corresponding Currency Type is selected, as main stored value card from the stored value card of at least two different Currency Types; When receiving payment information, main stored value card is directly used to pay.
In certain embodiments, the processing module 12 in above-described embodiment also for: the Currency Type information of current location standard coin kind and payment information is compared, if both are consistent, then carries out payment flow, if inconsistent, then suspend payment flow process, and notify user.
Second embodiment:
The process flow diagram of the method for payment that Fig. 2 provides for second embodiment of the invention, as shown in Figure 2, in the present embodiment, method of payment provided by the invention comprises:
S201: payment module obtains payment information from external device, and transfer to processing module, payment information comprises Currency Type information and payment;
S202: processing module process payment information, obtains Currency Type information, calls the stored value card of corresponding Currency Type in memory module, use the stored value card of corresponding Currency Type, complete payment by payment module and external device according to Currency Type information.
In certain embodiments, the method in above-described embodiment also comprises: by memory blocks different for the wallet of the stored value card of different Currency Type write memory module; Memory block is provided with the electronic tag storing Currency Type information, the stored value card that processing module calls corresponding Currency Type in memory module according to Currency Type information comprises: the Currency Type that processing module is supported by electronic label identification stored value card, inquires about and calls the stored value card of corresponding Currency Type.
In certain embodiments, the method in above-described embodiment also comprises: connect source stored value card and target electronic wallet, obtains the Currency Type exchange rate, based on the Currency Type exchange rate, the amount of money in the stored value card of source is converted to the amount of money of target electronic wallet.
In certain embodiments, method in above-described embodiment also comprises: obtain locating information, based on the corresponding relation of region-Currency Type that locating information and memory module store, determine current location standard coin kind, the stored value card of corresponding Currency Type is selected, as main stored value card from the stored value card of at least two different Currency Types; Processing module, when receiving payment information, directly uses main stored value card to pay.
In certain embodiments, the method in above-described embodiment also comprises: the Currency Type information of current location standard coin kind and payment information compared, if both are consistent, then carries out payment flow, if inconsistent, then and suspend payment flow process, and notify user.
Now in conjunction with embody rule scene the present invention done and further annotate explanation.
3rd embodiment:
Composition graphs 3 also for payment module 11 for radio-frequency card, does the present invention and further annotates explanation.
As shown in Figure 3, in the present embodiment, payment terminal 1 provided by the invention comprises: radio-frequency card 11, processing module 12, memory module 13, Currency Type modular converter 14, exchange rate acquisition module 15, selection module 16 and comparing module 17, wherein, memory module 13 comprises stored value card B1 and B2 of at least two different Currency Types.
Concrete, payment terminal 1 comprise the radio-frequency card 11 be arranged in payment terminal, from the processing module 12 that radio-frequency card electrically connects, be electrically connected with processing module, the memory module 13 of the stored value card that comprises at least two different Currency Types, as the stored value card of the different Currency Types such as Hongkong dollar, dollar, Renminbi; Radio-frequency card 11 obtains payment information from external device, and transfers to processing module 12, and payment information comprises Currency Type information and payment; Processing module 12 processes payment information, obtain Currency Type information, call the stored value card of corresponding Currency Type in memory module 13 according to Currency Type information, as selected the stored value card that Hongkong dollar is corresponding, use the stored value card of corresponding Currency Type, complete payment by radio-frequency card 11 and external device.
In certain embodiments, the wallet of the stored value card of the different Currency Types in above-described embodiment writes the different memory block of memory module 13.As Hongkong dollar be stored in the first memory block, dollar is stored in the second memory block, Renminbi is stored in the 3rd memory block.
In certain embodiments, the memory block in above-described embodiment is provided with the electronic tag storing Currency Type information, and processing module 12 calls the stored value card of corresponding Currency Type by electronic tag.
In certain embodiments, payment terminal in above-described embodiment also comprises the Currency Type modular converter 14 be arranged between stored value card, Currency Type modular converter 14 connects source stored value card and target electronic wallet, based on the Currency Type exchange rate, the amount of money in the stored value card of source is converted to the amount of money of target electronic wallet.As Currency Type modular converter 14 connects Renminbi stored value card and Hongkong dollar stored value card, according to Renminbi-Hongkong dollar exchange rate 0.8456,1 Hongkong dollar is converted to 0.8456 Renminbi etc.
In certain embodiments, the payment terminal in above-described embodiment also comprises exchange rate acquisition module 15, and exchange rate acquisition module 15 obtains the Currency Type exchange rate, and transfers to Currency Type modular converter 14.
In certain embodiments, the exchange rate acquisition module 15 in above-described embodiment comprises and arranges module 151 for what receive that user operation arranges the Currency Type exchange rate, by arranging module, obtains the Currency Type exchange rate.In actual applications, this function can be set to only can use in process of exchange, and the Currency Type exchange rate can by trade company and client's consult to decide, and now, Currency Type modular converter 14 only can change the fund of amount of money size in payment information, can not change more.
In certain embodiments, the exchange rate acquisition module 15 in above-described embodiment comprises the communication module 152 for being obtained the real-time Currency Type exchange rate by near-field communication, by communication module, obtains the Currency Type exchange rate.Near-field communication comprises NFC, bluetooth, the mode such as infrared, and in this application scene, the real-time Currency Type exchange rate all bank is generally acknowledged, client can change the fund of any amount of money.
In certain embodiments, payment terminal in above-described embodiment also comprises selects module 16, module 16 is selected to obtain locating information, based on the corresponding relation of region-Currency Type that locating information and memory module 13 store, determine current location standard coin kind, the stored value card of corresponding Currency Type is selected, as main stored value card from the stored value card of at least two different Currency Types; Processing module 12, when receiving payment information, directly uses main stored value card to pay.Such as user uses payment terminal provided by the invention in Hong Kong, select module 16 by means such as GPS locate, determine that current location is Hong Kong, according to the corresponding relation of Hong Kong-Hongkong dollar that memory module 13 stores, determine that current location standard coin kind is Hongkong dollar, now from multiple stored value cards such as Hongkong dollar, dollar, Renminbi, select Hongkong dollar stored value card to be main stored value card.
In certain embodiments, the selection module 16 in above-described embodiment comprises multichannel logic switch, based on current location standard coin kind, the communication port of the stored value card of the corresponding Currency Type of gating, forbid the communication port of the stored value card of other Currency Types, it realizes fairly simple, repeats no more.
In certain embodiments, the payment terminal in above-described embodiment also comprises comparing module 17, the Currency Type information of current location standard coin kind and payment information is compared, if both are consistent, then carry out payment flow, if inconsistent, then suspend payment flow process, and notify user.This application scene is to better protect clients fund; such as, when consuming in Hong Kong; if certain commodity price is 1000 Hongkong dollars; and 1000 Renminbi are selected to swipe the card by evil mind trade company; the function of transaction Currency Type is not inquired about in existing technology of swiping the card; to evil mind trade company opportunity; injure the benefit of client; the present embodiment is then before payment; carry out Currency Type contrast, when the Currency Type information of current location standard coin kind and payment information is different, suspend trading; and call user's attention Transaction Details, avoid user's fund illegally to be consumed by evil mind trade company.
In summary, by enforcement of the present invention, at least there is following beneficial effect:
The invention provides a kind of new payment terminal, the memory module of this payment terminal is provided with the stored value card of different Currency Type, when travelling between country variant and area like this, for identical payment principle, use the scene of different Currency Type stored value card, user frequently need not change payment terminal, only carry a payment terminal, even if when user uses the payment terminals such as mobile phone to pay, owing to not needing to communicate with internet, communication cost can not be produced, user need not change the modes of payments, solve the technical matters that user in the prior art needs to use at country variant or area the different modes of payments, enhance the experience of user.
Further, arrange selection module, automatically according to the stored value card that position, location selects Currency Type corresponding, process of exchange is quicker.
Further, comparing module is set, the Currency Type of transaction is judged, avoid being utilized the exchange rate to cheat money by illegal trade company.
Further, arrange Currency Type modular converter, automatically carry out Currency Type conversion, such user can to capital intensive management.
Below be only the specific embodiment of the present invention; not any pro forma restriction is done to the present invention; every above embodiment is done according to technical spirit of the present invention any simple modification, equivalent variations, combination or modification, all still belong to the protection domain of technical solution of the present invention.
Claims (10)
1. for a method of payment for payment terminal, it is characterized in that, described payment terminal comprises payment module, processing module and memory module, and described memory module comprises the stored value card of at least two different Currency Types; Described method of payment comprises:
Described payment module obtains payment information from external device, and transfers to described processing module, and described payment information comprises Currency Type information and payment;
Payment information described in described processing module process, obtain described Currency Type information, call the stored value card of corresponding Currency Type in described memory module according to described Currency Type information, use the stored value card of described corresponding Currency Type, complete payment by described payment module and described external device.
2. method of payment as claimed in claim 1, is characterized in that, also comprise: the wallet of the stored value card of different Currency Type is write the different memory block of described memory module; Described memory block is provided with the electronic tag storing Currency Type information, the stored value card that described processing module calls corresponding Currency Type in described memory module according to described Currency Type information comprises: the Currency Type that processing module is supported by described electronic label identification stored value card, inquires about and calls the stored value card of corresponding Currency Type.
3. method of payment as claimed in claim 1, is characterized in that, also comprise: connect source stored value card and target electronic wallet, obtain the Currency Type exchange rate, based on the described Currency Type exchange rate, the amount of money in the stored value card of described source is converted to the amount of money of described target electronic wallet.
4. the method for payment as described in any one of claims 1 to 3, it is characterized in that, also comprise: obtain locating information, based on the corresponding relation of region-Currency Type that described locating information and described memory module store, determine current location standard coin kind, the stored value card of corresponding Currency Type is selected, as main stored value card from the stored value card of described at least two different Currency Types; Described processing module, when receiving payment information, directly uses described main stored value card to pay.
5. method of payment as claimed in claim 4, is characterized in that, also comprise: the Currency Type information of described current location standard coin kind and described payment information compared, if both are consistent, then carry out payment flow, if inconsistent, then suspend payment flow process, and notify user.
6. a payment terminal, is characterized in that, comprising: payment module, processing module and memory module, wherein,
Described memory module is for storing the stored value card of at least two different Currency Types
Described payment module is used for obtaining payment information from external device, and transfers to described processing module, and described payment information comprises Currency Type information and payment;
Described processing module is for the treatment of described payment information, obtain described Currency Type information, call the stored value card of corresponding Currency Type in described memory module according to described Currency Type information, use the stored value card of described corresponding Currency Type, complete payment by described payment module and described external device.
7. payment terminal as claimed in claim 6, it is characterized in that, described memory module also writes the different memory block of described memory module for the wallet of the stored value card by different Currency Type; Described memory block is provided with the electronic tag storing Currency Type information, the stored value card that described processing module calls corresponding Currency Type in described memory module according to described Currency Type information comprises: the Currency Type that processing module is supported by described electronic label identification stored value card, inquires about and calls the stored value card of corresponding Currency Type.
8. payment terminal as claimed in claim 6, it is characterized in that, described processing module, also for connecting source stored value card and target electronic wallet, obtaining the Currency Type exchange rate, based on the described Currency Type exchange rate, the amount of money in the stored value card of described source being converted to the amount of money of described target electronic wallet.
9. the payment terminal as described in any one of claim 6 to 8, it is characterized in that, described processing module also for: obtain locating information, based on the corresponding relation of region-Currency Type that described locating information and described memory module store, determine current location standard coin kind, the stored value card of corresponding Currency Type is selected, as main stored value card from the stored value card of described at least two different Currency Types; When receiving payment information, described main stored value card is directly used to pay.
10. payment terminal as claimed in claim 9, is characterized in that, described processing module also for: the Currency Type information of described current location standard coin kind and described payment information is compared, if both are consistent, then carry out payment flow, if inconsistent, then suspend payment flow process, and notify user.
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| CN201610035485.7A CN105550858A (en) | 2016-01-19 | 2016-01-19 | Payment terminal and payment method therefor |
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| CN201610035485.7A CN105550858A (en) | 2016-01-19 | 2016-01-19 | Payment terminal and payment method therefor |
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| CN109754252A (en) * | 2018-12-27 | 2019-05-14 | 江苏恒宝智能系统技术有限公司 | A kind of encryption currency payment method and system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106570749A (en) * | 2016-09-22 | 2017-04-19 | 珠海云游道科技有限责任公司 | Monetary exchange rate conversion apparatus used for mobile terminal and method thereof |
| CN106991565A (en) * | 2017-01-03 | 2017-07-28 | 阿里巴巴集团控股有限公司 | The switching method and device of a kind of currency type |
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| KR102256761B1 (en) * | 2017-01-03 | 2021-05-27 | 어드밴스드 뉴 테크놀로지스 씨오., 엘티디. | Currency type conversion method and device |
| CN107146077A (en) * | 2017-05-02 | 2017-09-08 | 广州市智专信息科技有限公司 | A kind of method of payment and corresponding portable terminal, Third-party payment platform |
| CN107146077B (en) * | 2017-05-02 | 2021-01-05 | 广州市智专信息科技有限公司 | Payment method, corresponding portable terminal and third-party payment platform |
| CN108154564A (en) * | 2018-03-16 | 2018-06-12 | 北京路盟科技有限公司 | Polymerization payment intelligent end device |
| CN109754252A (en) * | 2018-12-27 | 2019-05-14 | 江苏恒宝智能系统技术有限公司 | A kind of encryption currency payment method and system |
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Application publication date: 20160504 |