CN105608568A - Device integrating functions of finance card payment and settlement and finance card payment and settlement method - Google Patents
Device integrating functions of finance card payment and settlement and finance card payment and settlement method Download PDFInfo
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- CN105608568A CN105608568A CN201610107746.1A CN201610107746A CN105608568A CN 105608568 A CN105608568 A CN 105608568A CN 201610107746 A CN201610107746 A CN 201610107746A CN 105608568 A CN105608568 A CN 105608568A
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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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3229—Use of the SIM of a M-device as secure element
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
Abstract
The invention discloses a device integrating functions of finance card payment and settlement and a finance card payment and settlement method. The device comprises a control module, a short distance communication module, a POS module, a UICC card module and a network communication module, wherein the short distance communication module, the POS module, the UICC card module and the network communication module are electrically connected with the control module, a payment request from an external mobile terminal is received by the control module through the short distance communication module and is forwarded to the POS module, a payment mark is sent by the UICC card module through the control module to the POS module, the payment mark is received by the POS module, and a POS message is generated by the POS module and is sent to a POS service provider through the network communication module. Through the device integrating the functions of finance card payment and settlement, payment and settlement can be accomplished by consumers at merchant stores, online shopping payment can be further realized, and the device is rapid and convenient.
Description
Technical field
The invention belongs to mobile payment field, be specifically related to a kind of device and financial card paying settlement method that integrates financial card paying and settle accounts.
Background technology
Current consumer sale pattern mainly comprises off-line transaction pattern and online trading pattern.
Wherein, descend online under trade mode, consumer can make to pay in cash, the payment of also can swiping the card. Swiping the card to pay refers to that consumer is in the time that merchant entities shop purchase and consumption pays, and consumer uses bank card to brush POS terminal to pay the expense of the commodity of being purchased at the cashier place of businessman. Swiping the card under payment application scenarios, bank card and POS terminal are two independent individuals that are separated, and wherein, bank card is held in one's own possession by consumer, and POS terminal is held by businessman.
For the payment of swiping the card smoothly and under successful implementation off-line transaction pattern, need to possess bank card and POS terminal simultaneously, this just pays and is provided with certain restriction swiping the card aspect applied environment. For example, in order to implement the payment of swiping the card, consumer must carry bank card, also will ensure that businessman is equipped with and has the POS terminal that function is intact simultaneously; If businessman is not equipped with POS terminal, consumer can only implement to pay in cash; Further, if businessman is not equipped with POS terminal and consumer to fail to carry sufficient cash, now can only Cancel Transaction. In some large-scale business are super, although be equipped with the good POS terminal of function, at its cashier place, often can be detained the consumer of more wait payment and settlement, particularly in the time of festivals or holidays, the situation of queuing checkout is even more serious.
Online trading pattern is popular is exactly online transaction, online transaction is mainly the transaction of carrying out in the virtual environment of network, be similar to the merchant entities shop of real world, difference is that online transaction utilizes the various means of ecommerce, reaches the whole virtual trading process of having sold from having bought. Consumer, particularly young consumer, often uses the mobile terminals such as smart mobile phone to carry out net purchase, in the process of online payment, because mobile applications and the net purchase Quick Response Code installed on intelligent terminal exist the risk being maliciously tampered, consumer's bank account information is easily stolen. In addition, while using Quick Response Code to carry out net purchase, conventionally there is the payment upper limit, such as 5000 yuan of upper limits, compare with swiping the card to pay in POS terminal, exist certain payment scene to use restriction.
Summary of the invention
The technical problem to be solved in the present invention is to provide a kind of device and financial card paying settlement method that integrates financial card paying and settle accounts, fiscard (bank card, Payment Card, consumption card etc.) function and POS termination function are integrated, send and pay after the device of asking to integrate financial card paying to this and settle accounts at mobile terminal, can complete payment through this data interaction that integrates financial card paying and the each module of device of settling accounts, convenient and swift, security simultaneously has also obtained great lifting.
For solving the problems of the technologies described above, the present invention adopts following technical scheme:
A kind of device that integrates financial card paying and settle accounts, this integrates financial card paying and comprises control module, Near Field Communication module, POS module, UICC card module and network communication module with the device of settling accounts, and Near Field Communication module, POS module, UICC card module and network communication module are electrically connected on respectively control module; Control module is received from the payment request of outside mobile terminal and by payment request and is forwarded and deliver to POS module by Near Field Communication module, UICC card module is sent and pays mark to POS module by control module, generates POS message and be sent to POS operator through network communication module after POS module reception payment mark.
In one preferred embodiment, UICC card module is used for storing financial card information, the payment instruction that control module reception POS module is sent also sends and comprises the payment mark request that pays mark generation instruction to UICC card module, and UICC card module receives payment mark request and also generates the payment mark for paying according to financial card information.
In one preferred embodiment, the POS message that POS module generates is sent to POS operator through control module, network communication module, and POS operator returns to the E-Payment result that comprises settlement information to control module through network communication module.
In one preferred embodiment, described financial card information comprises original marking and key, and UICC card module generates payment mark according to original marking and key.
In one preferred embodiment, control module comprises micro-control unit, and UICC card module comprises usim card element.
In one preferred embodiment, POS module is provided with computing unit, by computing unit, the payment mark receiving is judged whether to need response, and generates correct POS message or wrong POS message is back to control module; If control module receives correct POS message, this POS message is sent to POS operator by network communication module; If control module receives wrong POS message, UICC card module continues to be sent and pay mark to POS module by control module.
In one preferred embodiment, described financial card information comprises fiscard account information, fiscard term of validity information.
In one preferred embodiment, described payment mark comprises original marking part and dynamic random number.
In one preferred embodiment, described dynamic random is several calculates generation according to original marking by hashing algorithm.
In one preferred embodiment, described dynamic random number is associated with dynamic time series.
In one preferred embodiment, described original marking is generated by high in the clouds payment services.
In one preferred embodiment, described original marking is generated by high in the clouds payment services notification indicia service provider.
In one preferred embodiment, described original marking is generated by third party's payment platform on high in the clouds payment services notice line.
In one preferred embodiment, the described device that integrates financial card paying and settle accounts carries out the bidirectional safe certification between POS module and POS operator by network communication module.
In one preferred embodiment, the described device that integrates financial card paying and settle accounts carries out transfer of data by high in the clouds service platform and POS operator.
In one preferred embodiment, described Near Field Communication module is connected with mobile terminal by wired and/or wireless mode.
In one preferred embodiment, described device is also provided with magnetic field impulse transmitting antenna and/or NFC antenna.
In one preferred embodiment, the described device that integrates financial card paying and settle accounts is provided with power module.
In one preferred embodiment, network communication module comprises modem.
The present invention simultaneously also provides a kind of financial card paying settlement method, the method is applied to the payment that uses the device that integrates financial card paying and settle accounts to implement, the described device that integrates financial card paying and settle accounts comprises control module, Near Field Communication module, POS module, UICC card module and network communication module, and described financial card paying settlement method comprises the following steps: control module is received from the payment request of outside mobile terminal and by payment request and forwarded and deliver to POS module by Near Field Communication module; Control module sends and pays mark request to UICC card module; UICC card module is sent and pays mark to POS module by control module;
POS module generates POS message and feeds back to control module after receiving and paying mark, through network communication module, POS message is sent to POS operator; POS operator receives POS message and settles accounts by conventional payment network, and POS operator returns to the E-Payment result that comprises settlement information to control module through network communication module; Control module is sent to outside mobile terminal by Near Field Communication module by E-Payment result.
In one preferred embodiment, pre-stored financial card information in UICC card module, control module sends payment mark to UICC card module and generates instruction, and UICC card module reception payment mark generates instruction and the payment mark for paying according to financial card information generation.
In one preferred embodiment, described method also comprises: POS module judges whether to need response to the payment mark receiving, and generates correct POS message or wrong POS message is back to control module; If control module receives correct POS message, this correct POS message is sent to POS operator by network communication module; If control module receives wrong POS message, UICC card module continues to be sent and pay mark to POS module by control module.
In one preferred embodiment, UICC card module comprises usim card element.
In one preferred embodiment, network communication module comprises modem.
Adopt the present invention to there is following beneficial effect:
1, consumer can use the device that integrates financial card paying and settle accounts disclosed by the invention (to comprise the businessman that is equipped with or is not equipped with POS terminal) in merchant entities shop to carry out payment and settlement, also can after online shopping mall's purchase and consumption, carry out payment and settlement.
2, the present invention is integrated fiscard module and POS module integration, converts the POS terminal of trade company to POS module that consumer holds in one's own possession, has improved consumer payment security and convenience.
3, the present invention is integrated fiscard module and POS module integration, has solved the safety problem that is caused bank card information to be stolen by malice because of traditional POS terminal.
4, the present invention, by the higher usim card element of security is set, can prevent outside malice parsing attack, protected data safety.
5, by magnetic field impulse transmitting antenna or NFC antenna are set, the device that integrates financial card paying and settle accounts of the embodiment of the present invention can be paid in the POS of trade company terminal, realize slitless connection with the existing independent POS terminal means of payment.
6, self possesses network savvy, is receiving after the request of payment, can self realize the transfer of data between POS operator, realizes payment process, convenient and swift.
Brief description of the drawings
By reading the detailed description of non-limiting example being done with reference to the following drawings, it is more obvious that the present invention and feature thereof, profile and advantage will become. In whole accompanying drawings, identical mark is indicated identical part. Deliberately proportionally do not draw accompanying drawing, focus on illustrating purport of the present invention.
Fig. 1 is the simplified diagram of the device that integrates financial card paying and settle accounts provided by the invention;
Fig. 2 is the flow chart that integrates financial card paying and the device settled accounts and carry out payment and settlement method;
Fig. 3 is the flow chart of payment and settlement method provided by the invention.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is the present invention's part embodiment, instead of whole embodiment. Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtaining under creative work prerequisite, belong to the scope of protection of the invention.
Embodiment mono-
Shown in Fig. 1, the invention provides a kind of device 100 that integrates financial card paying and settle accounts, this device comprises control module 101, Near Field Communication module 102, POS (PointOfSale) module 103, UICC (UniversalIntegratedCircuitCard, Universal Integrated Circuit Card) card module 104 and network communication module 105, Near Field Communication module 102, POS module 103, UICC card module 104 and network communication module 105 are electrically connected on respectively control module 101, coordinate to control UICC card module 104 by control module 101, POS module 103, duty and function setting between Near Field Communication module 102 and network communication module 105, adjust. optionally, Near Field Communication module 102 is for integrating the communication interface between the mobile terminals such as financial card paying and the device of settling accounts and personal computer (PersonalComputer is called for short PC) or smart mobile phone.
UICC is the general name that has defined the smart card of physical characteristic. As of 3G subscription terminal important, part movably, the information such as UICC is mainly used in storing subscriber information, KI, shortly disappears, way of paying. UICC has introduced the concept of multi-application platform, has realized the multichannel mechanism that multiple Logic applications move simultaneously. In UICC, can comprise multiple logic module, as Subscriber Identity Module (SubscriberIdentityModule, SIM), universal subscriber identity module (UniversalSubscriberIdentityModule, USIM), IP multimedia service identification module (IPMultiMediaServiceIdentityModule,, and other telecommunications application modules as non-in electron underwriting authentication, stored value card etc. ISIM). Logic module in UICC can individualism, also can multiplely exist simultaneously. Different 3G subscription terminals can be according to the type of Radio Access Network, carrys out the corresponding logic module of choice for use.
The step of just utilizing the above-mentioned device 100 that integrates financial card paying and settle accounts to pay is below described in detail.
Shown in Fig. 2, first, user need to send the request of payment by mobile terminal 200, in certain embodiments, mobile terminal 200 can be smart mobile phone, the APP that user installs by smart mobile phone the inside generates to pay and asks and send, and the request of payment can comprise the every terms of informations such as dealing money, exchange hour, merchant information. control module 101 receives after the payment request from mobile terminal 200 by Near Field Communication module 102, payment request is forwarded and delivers to POS module 103, POS module 103 sends payment instruction to control module 101 after receiving the request of payment, UICC card module 104 is sent and pays mark to POS module 103 by control module 101, POS module 103 generates POS message and is sent to control module 101 after receiving and paying mark, POS message is sent to POS operator 300 through network communication module 105, POS operator 300 docks and carries out payment and settlement with conventional payment network 400, finally return to the E-Payment object information that comprises settlement information and feed back to control module 101 to network communication module 105 by POS operator 300.
Further, the step that POS module 103 is delivered in the request forwarding of payment by control module 101 comprises: control module 101 receives after the request of payment, first this request is sent to POS module 103, to wake POS module 103 up, the payment request sending to POS module 103 in this control module 101 can be considered and wakes instruction up, POS module 103 is returned to payment instruction to control module 101 afterwards, the main control chip of control module 101 starts to carry out trading processing and generates the payment mark request that comprises payment mark generation instruction to send to UICC card module 104, UICC card module 104 is sent and pays mark to POS module 103 by control module 101.
Further, in POS module 103, be provided with computing unit (not marking in figure), payment mark control module 101 being sent by computing unit judges whether to need response: if the payment marker character that POS module 103 receives closes default payment rule in computing unit, computing unit can generate correct POS message and be sent to control module 101, and control module 101 is sent to POS operator by this POS message by network communication module 105; If the payment mark that POS module 103 receives does not meet default payment rule in computing unit, computing unit is understood the POS message of generation error and is sent to control module 101. Control module 101 receives after wrong POS message, can continue to send and pay mark request to UICC card module 104, UICC card module 104 again sends to pay by control module 101 and is tagged to POS module 103, until POS module 103 generates correct POS message and is sent to control module 101. In actual payment process, POS module 103 may be returned to repeatedly wrong POS message to control module 101, therefore control module 101 may constantly send and pay mark request to UICC card module 104, UICC card module 104 sends to pay by control module 101 and is tagged to POS module 103, and POS module 103 judges and responds correct or wrong POS message to control module 101 paying mark again. These steps can repeatedly, feed back to control module 101 until generate correct POS message. It should be noted that, repeatedly above-mentioned and generate the step of correct POS message before and after within very short time, can complete, conventionally, between several milliseconds, therefore do not affect actual payment and experience.
As shown in Figure 2, control module 101 can be micro-control unit (MicrocontrollerUnit, MCU), and UICC card module 104 can be usim card element. Usim card element provides with the form of chip conventionally, attacks for preventing that outside malice from resolving, and protected data safety is generally provided with encryption/decryption logic circuit in chip. Usim card can be used for storage mark (StaticToken) and key (Key), micro-control unit can send the mark request that pays to usim card element, usim card element receives the mark request that pays, and adopts certain algorithm to generate the payment mark for paying according to mark and key under it is controlled. Pay mark and mainly comprise two parts data, i.e. mark part and dynamic random number (DynamicRandomNumber) part. For improving the security paying, can introduce the various key elements that contribute to improve payment safety at dynamic random fractional part. For example, dynamic random fractional part can calculate generation by hashing algorithm according to static tay; Also can be using dynamic time series as generating one of reference basis paying mark, the dynamic random fractional part that pays mark is associated with dynamic time series, thus the potential safety hazard of the mark part of can preventing to a certain extent. In the present invention's one optional embodiment, in UICC card module 104, store financial card information, financial card information comprises fiscard accounts information, fiscard term of validity information. For example user can be in UICC card module 104 typing bank card information and consumption card information, in the time paying, can use bank card to carry out direct payment, also can pay by the consumption card of binding.
Wherein, the original marking of storing in usim card can be generated by high in the clouds payment services, and high in the clouds payment services are the online service platform of the mobile payment program of installing on mobile terminal. Original marking also can such as, be generated by high in the clouds payment services notification indicia service provider (bankcard association etc.), then by mark service provider, the original marking of generation is back to high in the clouds payment services. Original marking can also be generated by third party's payment platform on high in the clouds payment services notice line, then by third party's payment platform on line, the original marking of generation is back to high in the clouds payment services. Specifically which side generates original marking by, depend on the payment account type that user uses (for example bank card account, or hundred pairs of precious accounts, wealth are paid third party's payment accounts such as logical account, telecommunications wing payment account, the fertile payment account of UNICOM etc.) and each inter-agency business modality for co-operation.
By Near Field Communication module 102, integrating financial card paying can be connected with mobile terminal 200 by wired and/or wireless mode with the device 100 of settling accounts, for example, mark service provider or high in the clouds payment services are sent to original marking the device 100 that integrates financial card paying and settle accounts directly or indirectly by mobile terminal 200. Particularly, Near Field Communication module 102 can be bluetooth module or Wifi module, also the wired or wireless communication modes that can realize for other modes, carry out mobile terminal 200 by Near Field Communication module 102 and integrate financial card paying and the device settled accounts between transfer of data time, all transfer of data are all through encrypting, to prevent information leakage. Further alternative, Near Field Communication module 102 is for supporting the bluetooth card of 2.4GHz and 5GHz two-band.
In the present invention's one optional embodiment, network communication module 105 is modem, coordinate usim card element to network by signal base station, and POS message is sent to POS operator 300, after POS operator 300 processes POS message, then pay result by mails to control module 101 by network communication module 105 feedbacks. Network communication module 105 is in the time sending POS message or receive payment result, and all transfer of data all, through encrypting, to prevent information leakage, have ensured userspersonal information's safety.
In the present invention's one optional embodiment, in the time that payment and settlement completes, E-Payment result is back to control module 101 by POS operator 300, E-Payment result is sent on mobile terminal and shows, record and inquiry through Near Field Communication module 102, facilitate user on mobile terminal, to check at any time consumer record.
In the present invention's one optional embodiment, integrate in financial card paying and the device 100 settled accounts and be provided with a power module (not marking in figure), by electric power source pair of module integrate financial card paying and the device 100 settled accounts in each electronic component power. This power module can be dry cell or rechargeable battery, by wired or wireless charging, this power module is charged, and also or by the mode of direct replacing battery realizes the device 100 that integrates financial card paying and settle accounts is powered.
Integrating financial card paying in use carries out in the flow process of payment and settlement with the device 100 of settling accounts, some checking links can be set, for example, application program in operation on mobile terminal (as with the corresponding APP of device that integrates financial card paying and settle accounts) time, need user to input password and verify or use fingerprint authentication mode; The link that consumer pays at mobile terminal input password is set; Consumer's link of signing is set; The link of signature (as checking bank card photo) is checked in setting.
In the time that use integrates financial card paying and the device 100 settled accounts and pays, the bidirectional safe that this integrates financial card paying and the device 100 settled accounts can be undertaken between POS module 103 and POS operator 300 by network communication module 105 authenticates. Financial card paying and the data interaction of settling accounts between device 100 and the POS operator 300 of one can also be transferred by high in the clouds service platform.
The device 100 that integrates financial card paying and settle accounts of the embodiment of the present invention can also be provided with magnetic field impulse transmitting antenna and NFC antenna simultaneously or be provided with separately one of them, can be directly by independently POS terminal realization payment. Wherein, magnetic field impulse transmitting antenna pays mark for the magnetic head transmitting magnetic field impulse marking to conventional P OS terminal and (for example in POS terminal, completes transaction payment, be CN104867008A with reference to publication number, name is called the Chinese utility model patent application of method of mobile payment under a kind of line and system thereof), NFC antenna for example, for paying message (complete transaction payment in the POS terminal with NFC sudden strain of a muscle pair function, NFC pays message and can be generated by fiscard module) to POS terminal transmitting NFC.
With respect to independently swipe the card in the POS terminal independently form of payment and settlement of bank card of existing employing, of the present invention integrate financial card paying and the device 100 settled accounts by UICC card module (being equal to bank card) and POS module (being equal to POS terminal) and accordingly payment function combine, thereby form knockdown version, greatly improved convenience and the security of the payment and settlement of swiping the card, simultaneously the present invention can be realized transfer of data between self and POS operator and be exchanged by built-in network communication module, do not need the additionally communication tool by other networkings, only need mobile terminal (for example mobile phone) to send the request of payment, the step of continuation payment and networking clearing is all to complete by the device that integrates financial card paying and settle accounts provided by the invention, mobile terminal is only as sending the carrier of pay warrant, do not need networking, not only improve the security paying, also realized completing in mobile terminal suspension situation and paid and clearing simultaneously.
Embodiment is corresponding with device, and further embodiment of this invention provides a kind of financial card paying settlement method, below embodiment of the method is described in further detail.
Embodiment bis-
In the present embodiment, the invention provides a kind of financial card paying settlement method, be applied to the payment process that uses the device that integrates financial card paying and settle accounts to implement, the device that integrates financial card paying and settle accounts comprises control module, Near Field Communication module, POS module, UICC card module and network communication module, concrete module diagram can be with reference to shown in Fig. 2, shown in Fig. 3, comprise the steps:
Step S1, control module is received from the payment request of outside mobile terminal and by payment request and is forwarded and deliver to POS module by Near Field Communication module.
Further, POS module sends payment instruction to control module.
Step S2, control module sends and comprises the payment mark request that pays mark generation instruction to UICC card module. Optionally, UICC card module comprises usim card element.
Step S3, UICC card module is sent and pays mark to POS module by control module. Wherein, in UICC card module, typing in advance has storage financial card information, first control module sends and pays mark generation instruction to UICC card module, UICC card module receives and pays mark generation instruction and generate the payment mark for paying according to financial card information, and by control module, payment mark is sent to POS module.
Step S4, generates POS message after POS module reception payment mark and feeds back to control module, through network communication module, POS message is sent to POS operator. Optionally, network communication module comprises modem, can realize the device that integrates financial card paying and settle accounts network and transmit data in conjunction with UISM card element.
In concrete application example, network communication module comprises modem.
Conduct further description with regard to the detailed step of this step below: receive in POS module after the payment mark sending from UICC card module, POS module can judge whether to need response to paying mark: if the payment marker character that POS module receives closes default payment rule in computing unit, computing unit can generate correct POS message and be sent to control module, control module receives after correct POS message, and this POS message is sent to POS operator by network communication module; If the payment mark that POS module receives does not meet default payment rule in computing unit, computing unit is understood the POS message of generation error and is sent to control module, control module receives after wrong POS message, can continue to send and pay mark request to UICC card module, UICC card module sends to pay by control module and is tagged to POS module, until POS module generates correct POS message and is sent to control module, through network communication module, POS message is sent to POS operator. These steps can repeatedly, be returned mobile terminal until generate to pay successful result or generate the failed result feedback of payment. It should be noted that, step repeatedly above-mentioned and that generate correct POS message can complete within very short time, conventionally, between several milliseconds, does not therefore affect actual payment and experiences.
Step S5, POS operator receives POS message and settles accounts by conventional payment network, and POS operator returns to the E-Payment result that comprises settlement information to control module through network communication module.
Step S6, control module is sent to outside mobile terminal by Near Field Communication module by E-Payment result, and user can view last payment result at mobile terminal.
In sum, because the present invention has adopted technical scheme as above, bank card or payment card information and POS module are concentrated in together, send the request of payment to this device that integrates financial card paying and settle accounts by mobile terminal, can complete payment through this data exchange that integrates financial card paying and the each module of device of settling accounts, convenient and swift, security simultaneously has also obtained great lifting.
It should be understood that for embodiment of the method, do not elaborate and install the part that embodiment comprises, in the detailed description of the invention in embodiment of the method and device, be consistent.
Should be appreciated that exemplary embodiment as herein described is illustrative and nonrestrictive. Although described by reference to the accompanying drawings one or more embodiment of the present invention, it should be understood by one skilled in the art that in the case of not departing from the spirit and scope of the present invention that limit by claims, can make the change of various forms and details.
Claims (24)
1. a device that integrates financial card paying and settle accounts, is characterized in that this collection financial card payingComprise control module, Near Field Communication module, POS module, UICC snap gauge with settling accounts in the device of onePiece and network communication module, wherein Near Field Communication module, POS module, UICC card module and network are logicalNews module is electrically connected on respectively control module;
Control module is passed through the reception of Near Field Communication module from the payment request of outside mobile terminal and will be paidRequest forwards delivers to POS module, and UICC card module is sent and pays mark to POS module by control module,After POS module reception payment mark, generate POS message and be sent to POS operator through network communication module.
2. according to the device that integrates financial card paying and settle accounts claimed in claim 1, it is characterized in that,UICC card module is used for storing financial card information, and the payment instruction that control module reception POS module is sent alsoSend and comprise the payment mark request that pays mark generation instruction to UICC card module, UICC card module receivesPay mark request and generate the payment mark for paying according to financial card information.
3. according to the device that integrates financial card paying and settle accounts claimed in claim 1, it is characterized in that,The POS message that described POS module generates is sent to POS operator through control module, network communication module,POS operator returns to the E-Payment result that comprises settlement information to control module through network communication module.
4. according to the device that integrates financial card paying and settle accounts claimed in claim 2, it is characterized in that,Described financial card information comprises original marking and key, and described UICC card module is according to original marking and keyGenerate and pay mark.
5. according to the device that integrates financial card paying and settle accounts claimed in claim 1, it is characterized in that,Described control module comprises micro-control unit, and UICC card module comprises usim card element.
6. according to the device that integrates financial card paying and settle accounts claimed in claim 1, it is characterized in that,Described POS module is provided with computing unit, by computing unit, the payment mark receiving is judged whetherNeed response, and generate correct POS message or wrong POS message is back to control module,
If control module receives correct POS message, this POS message is sent out by network communication moduleDeliver to POS operator;
If control module receives wrong POS message, UICC card module continue by control module toPOS module sends and pays mark.
7. according to the device that integrates financial card paying and settle accounts described in claim 2 or 4, its featureBe, described financial card information comprises fiscard account information, fiscard term of validity information.
8. according to the device that integrates financial card paying and settle accounts claimed in claim 4, it is characterized in that,Described payment mark comprises original marking part and dynamic random number.
9. according to the device that integrates financial card paying and settle accounts claimed in claim 8, it is characterized in that,Described dynamic random is several calculates generation according to original marking by hashing algorithm.
10. according to the device that integrates financial card paying and settle accounts claimed in claim 8, its feature existsIn, described dynamic random number is associated with dynamic time series.
11. according to the device that integrates financial card paying and settle accounts described in claim 4 or 8, its spyLevy and be, described original marking is generated by high in the clouds payment services.
12. according to the device that integrates financial card paying and settle accounts described in claim 4 or 8, its spyLevy and be, described original marking is generated by high in the clouds payment services notification indicia service provider.
13. according to the device that integrates financial card paying and settle accounts described in claim 4 or 8, its spyLevy and be, described original marking is generated by third party's payment platform on high in the clouds payment services notice line.
14. according to the device that integrates financial card paying and settle accounts claimed in claim 1, and its feature existsIn, described integrate financial card paying and the device settled accounts by network communication module carry out POS module withBidirectional safe certification between POS operator.
15. according to the device that integrates financial card paying and settle accounts claimed in claim 3, and its feature existsIn, the described device that integrates financial card paying and settle accounts enters by high in the clouds service platform and POS operatorRow transfer of data.
16. according to the device that integrates financial card paying and settle accounts claimed in claim 1, and its feature existsIn, described Near Field Communication module is connected with mobile terminal by wired and/or wireless mode.
17. according to the device that integrates financial card paying and settle accounts claimed in claim 1, and its feature existsIn, described device is also provided with magnetic field impulse transmitting antenna and/or NFC antenna.
18. according to the device that integrates financial card paying and settle accounts claimed in claim 1, and its feature existsIn, the described device that integrates financial card paying and settle accounts is provided with power module.
19. according to the device that integrates financial card paying and settle accounts claimed in claim 5, and its feature existsIn, described network communication module comprises modem.
20. 1 kinds of financial card paying settlement methods, is characterized in that, be applied to use collection financial card paying andSettle accounts the payment process of implementing in the device of one, the described device bag that integrates financial card paying and settle accountsDraw together control module, Near Field Communication module, POS module, UICC card module and network communication module, instituteStating financial card paying settlement method comprises the following steps:
Control module is passed through the reception of Near Field Communication module from the payment request of outside mobile terminal and will be paidRequest forwards delivers to POS module;
Control module sends and pays mark request to UICC card module;
UICC card module is sent and pays mark to POS module by control module;
POS module generates POS message and feeds back to control module after receiving and paying mark, through network communication mouldPOS message is sent to POS operator by piece;
POS operator receives POS message and settles accounts by conventional payment network, and POS operator is through netNetwork communication module returns to the E-Payment result that comprises settlement information to control module;
Control module is sent to outside mobile terminal by Near Field Communication module by E-Payment result.
21. according to the financial card paying settlement method described in claim 20, it is characterized in that described UICCPre-stored financial card information in card module, control module sends the generation of payment mark to UICC card module and refers toOrder, the reception of UICC card module pays mark and generates instruction and generate for propping up of paying according to financial card informationPay mark.
22. according to the financial card paying settlement method described in claim 20, it is characterized in that described methodFurther comprising the steps of:
POS module judges whether to need response to the payment mark receiving, and generates correct POS reportCivilian or wrong POS message is back to control module,
If control module receives correct POS message, by this correct POS message by network communicationModule is sent to POS operator;
If control module receives wrong POS message, UICC card module continues by control module to POSModule sends and pays mark.
23. according to the financial card paying settlement method described in claim 20, it is characterized in that described UICCCard module comprises usim card element.
24. according to the financial card paying settlement method described in claim 23, it is characterized in that described networkCommunication module comprises modem.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610107746.1A CN105608568A (en) | 2016-02-26 | 2016-02-26 | Device integrating functions of finance card payment and settlement and finance card payment and settlement method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610107746.1A CN105608568A (en) | 2016-02-26 | 2016-02-26 | Device integrating functions of finance card payment and settlement and finance card payment and settlement method |
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| CN105608568A true CN105608568A (en) | 2016-05-25 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201610107746.1A Pending CN105608568A (en) | 2016-02-26 | 2016-02-26 | Device integrating functions of finance card payment and settlement and finance card payment and settlement method |
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| CN (1) | CN105608568A (en) |
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| CN106355411A (en) * | 2016-08-29 | 2017-01-25 | 中科院微电子研究所昆山分所 | Intelligent wallet integrated with fingerprint recognition |
| CN107038560A (en) * | 2017-01-06 | 2017-08-11 | 阿里巴巴集团控股有限公司 | A kind of system, the method and device of payment transaction execution |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106355411A (en) * | 2016-08-29 | 2017-01-25 | 中科院微电子研究所昆山分所 | Intelligent wallet integrated with fingerprint recognition |
| CN107038560A (en) * | 2017-01-06 | 2017-08-11 | 阿里巴巴集团控股有限公司 | A kind of system, the method and device of payment transaction execution |
| WO2018126923A1 (en) * | 2017-01-06 | 2018-07-12 | 阿里巴巴集团控股有限公司 | Payment service execution system, method, and device |
| KR20190077074A (en) * | 2017-01-06 | 2019-07-02 | 알리바바 그룹 홀딩 리미티드 | Payment service execution system, method and device |
| CN107038560B (en) * | 2017-01-06 | 2020-09-08 | 阿里巴巴集团控股有限公司 | System, method and device for executing payment service |
| TWI720267B (en) * | 2017-01-06 | 2021-03-01 | 開曼群島商創新先進技術有限公司 | System, method and device for execution of payment business |
| KR102262712B1 (en) * | 2017-01-06 | 2021-06-09 | 어드밴스드 뉴 테크놀로지스 씨오., 엘티디. | Payment service execution system, method and device |
| CN112669032A (en) * | 2021-01-11 | 2021-04-16 | 上海启匠信息技术有限公司 | Electronic transaction settlement processing method and system for flash payment |
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Application publication date: 20160525 |