CN105678533A - Multi-approach convenience terminal machine payment system and method - Google Patents
Multi-approach convenience terminal machine payment system and method Download PDFInfo
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- CN105678533A CN105678533A CN201610062254.5A CN201610062254A CN105678533A CN 105678533 A CN105678533 A CN 105678533A CN 201610062254 A CN201610062254 A CN 201610062254A CN 105678533 A CN105678533 A CN 105678533A
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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
- G06Q20/16—Payments settled via telecommunication 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
- G06Q20/30—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]
- G06Q20/3223—Realising banking transactions through M-devices
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G06Q20/3415—Cards acting autonomously as pay-media
-
- 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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- 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
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
- G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to a multi-approach convenience terminal machine payment system. The system comprises a client. The client is a control client. One input-output end of the control client is connected with a payment port; one input-output end of the control client is connected with a terminal peripheral interface; one input-output end of the control client is connected with a payment plug-in; the input-output end of the payment plug-in is connected with a payment link; the input-output end of the payment link is connected with a mobile payment platform; the input-output end of the mobile payment platform is connected with a Unionpay center connection device; and the input-output end of the Unionpay center connection device is connected with the payment plug-in. The multi-approach convenience terminal machine payment system has the advantages of reasonable structure, simple system, reasonable operation and high safety, realizing payment based on a peripheral device and combining software and hardware.
Description
Technical field
The invention belongs to electronic technology field, it is specifically related to a kind of convenient terminating machine payment system based on number of ways and method.
Background technology
The terminal machine payment industry of China is also in develop rapidly, within these several years, domestic market transaction size constantly expands, the display of " monitoring of Chinese Third-party payment market season in 2013 " data is seeked advice from according to Ai Rui, along with domestic intelligent terminal and the universal fast of mobile Internet use, and the standardization of domestic terminal machine payment standards, terminal machine payment industry has had and has developed with advancing by leaps and bounds, the main flow modes of payments existed at present has a lot, payment system is complicated, difficult in maintenance, database is big, APP payment software is generally all adopted to complete to pay, for groove scheme of swiping the card outside mobile audio interface, also do not attempt, therefore research and develop a kind of rational in infrastructure, pay based on external device, hardware and software combines, system is simple, operation rationally, the high convenient terminating machine payment system based on number of ways of security and method.
Summary of the invention
It is an object of the invention to overcome the deficiencies in the prior art, and provide a kind of rational in infrastructure, pay based on external device, hardware and software combines, system is simple, operation rationally, the high convenient terminating machine payment system based on number of ways of security and method.
The object of the present invention is achieved like this: a kind of convenient terminating machine payment system based on number of ways, it comprises client terminal, described client terminal is control client terminal, the input/output terminal of described control client terminal is connected with payment mouth, the input/output terminal of described control client terminal is also connected with terminal peripheral hardware interface, the input/output terminal of described control client terminal is also connected with payment plug-in unit, the input/output terminal of described payment plug-in unit is connected with payment link, the input/output terminal of described payment link is connected with mobile payment platform, the input/output terminal of described mobile payment platform is connected with Unionpay's center coupling device, the input/output terminal of described Unionpay's center coupling device is connected with payment plug-in unit.
The input/output terminal of described payment plug-in unit is connected with mobile payment platform.
Described terminal peripheral hardware interface is connected with terminal peripheral hardware card reader.
Described Unionpay's center coupling device is connected with Unionpay center CUPS.
Described payment link is produced by commercial circle platform.
Based on a convenient terminating machine payment procedure for number of ways, described payment procedure comprises online payment and pre-paid transaction, and the concrete steps of described online payment are as follows:
A) after user chooses commodity, lower order, and select to pay mouth; Paying plug-in unit submits to order to generate information request to payment link;
B) payment link generates order information, and submits order request to mobile payment platform, and the information commodity information of submission, merchant information, payment platform distribute to the commercial circle information of commercial circle platform;
C) mobile payment platform generates the order information being used for mobile payment, the order request of response payment link;
D) payment link returns order information to control client terminal, if user repeatedly plays order, then repeats above step;
E) control client call and pay plug-in unit;
F) pay plug-in unit and judge whether user logs in payment platform, as do not logged in, then require that mouth logs in user by paying, after user inputs login information, pay plug-in unit and initiate user rs authentication request to mobile payment platform, request information order number, user name, user's password;
G) mobile payment platform response pays the order request of plug-in unit, returns the information of commodity and pay invoice;
H) pay plug-in unit according to order and user's bank card information composition message, and encrypt information data by safety certificate, then initiate to pay request to Unionpay's center coupling device;
I) pay plug-in unit and send order payment request information to Unionpay's center coupling device;
J) fund is transferred by Unionpay center coupling device, returns pre-paid result information client, notifies mobile payment platform simultaneously;
K) pre-paid result information is sent to commercial circle platform by mobile payment platform;
L) commercial circle platform delivery, and notify that user confirms to receive, after user confirms, terminal is called and is paid plug-in unit initiation user's confirmation request of receiving;
M) payment result information is sent to terminal by Unionpay center coupling device, notifies mobile payment platform simultaneously;
N) information that mobile payment platform returns according to Unionpay's center coupling device, notice commercial circle platform.
The useful effect of the present invention: the present invention is for, in the main flow modes of payments existed at present, what this mobile-payment system adopted is groove scheme of swiping the card outside mobile audio interface, it is achieved long-range mobile payment function; What therefore terminal and terminal peripheral hardware adopted is the two-way current technology of audio port; And to control client terminal, payment link, mobile payment platform be all have employed the very high HTTPS communication protocol of security between any two; The communication entity relating to financing security is paid to plug-in unit and Unionpay's center coupling device such as terminal, Unionpay's center coupling device and payment platform are all have employed Unionpay's center Special safety passage, and communication entity is being transmitted by network communication; Terminal peripheral hardware interface is connected with terminal peripheral hardware card reader, and the terminal peripheral hardware in mobile-payment system of the present invention is for reading and store bank card magnetic strip information, and bank card magnetic strip information belongs to the finance secret of user, is directly related to user's fund security; Total the present invention have rational in infrastructure, pay based on external device, hardware and software combines, system is simple, operation rationally, the high advantage of security.
Accompanying drawing explanation
Fig. 1 is the structural representation of a kind of convenient terminating machine payment system based on number of ways of the present invention.
Embodiment
Below in conjunction with accompanying drawing, the present invention is described further.
Embodiment 1
As shown in Figure 1, a kind of convenient terminating machine payment system based on number of ways, it comprises client terminal, described client terminal is control client terminal, the input/output terminal of described control client terminal is connected with payment mouth, the input/output terminal of described control client terminal is also connected with terminal peripheral hardware interface, the input/output terminal of described control client terminal is also connected with payment plug-in unit, the input/output terminal of described payment plug-in unit is connected with payment link, the input/output terminal of described payment link is connected with mobile payment platform, the input/output terminal of described mobile payment platform is connected with Unionpay's center coupling device, the input/output terminal of described Unionpay's center coupling device is connected with payment plug-in unit.
Based on a convenient terminating machine payment procedure for number of ways, described payment procedure comprises online payment and pre-paid transaction, and the concrete steps of described online payment are as follows:
A) after user chooses commodity, lower order, and select to pay mouth; Paying plug-in unit submits to order to generate information request to payment link;
B) payment link generates order information, and submits order request to mobile payment platform, and the information commodity information of submission, merchant information, payment platform distribute to the commercial circle information of commercial circle platform;
C) mobile payment platform generates the order information being used for mobile payment, the order request of response payment link;
D) payment link returns order information to control client terminal, if user repeatedly plays order, then repeats above step;
E) control client call and pay plug-in unit;
F) pay plug-in unit and judge whether user logs in payment platform, as do not logged in, then require that mouth logs in user by paying, after user inputs login information, pay plug-in unit and initiate user rs authentication request to mobile payment platform, request information order number, user name, user's password;
G) mobile payment platform response pays the order request of plug-in unit, returns the information of commodity and pay invoice;
H) pay plug-in unit according to order and user's bank card information composition message, and encrypt information data by safety certificate, then initiate to pay request to Unionpay's center coupling device;
I) pay plug-in unit and send order payment request information to Unionpay's center coupling device;
J) fund is transferred by Unionpay center coupling device, returns pre-paid result information client, notifies mobile payment platform simultaneously;
K) pre-paid result information is sent to commercial circle platform by mobile payment platform;
L) commercial circle platform delivery, and notify that user confirms to receive, after user confirms, terminal is called and is paid plug-in unit initiation user's confirmation request of receiving;
M) payment result information is sent to terminal by Unionpay center coupling device, notifies mobile payment platform simultaneously;
N) information that mobile payment platform returns according to Unionpay's center coupling device, notice commercial circle platform.
When the present invention specifically implements: the present invention is for, in the main flow modes of payments existed at present, what this mobile-payment system adopted is groove scheme of swiping the card outside mobile audio interface, it is achieved long-range mobile payment function; What therefore terminal and terminal peripheral hardware adopted is the two-way current technology of audio port; And to control client terminal, payment link, mobile payment platform be all have employed the very high HTTPS communication protocol of security between any two; The communication entity relating to financing security is paid to plug-in unit and Unionpay's center coupling device such as terminal, Unionpay's center coupling device and payment platform are all have employed Unionpay's center Special safety passage, and communication entity is being transmitted by network communication;Total the present invention have rational in infrastructure, pay based on external device, hardware and software combines, system is simple, operation rationally, the high advantage of security.
Embodiment 2
As shown in Figure 1, a kind of convenient terminating machine payment system based on number of ways, it comprises client terminal, described client terminal is control client terminal, the input/output terminal of described control client terminal is connected with payment mouth, the input/output terminal of described control client terminal is also connected with terminal peripheral hardware interface, the input/output terminal of described control client terminal is also connected with payment plug-in unit, the input/output terminal of described payment plug-in unit is connected with payment link, the input/output terminal of described payment link is connected with mobile payment platform, the input/output terminal of described mobile payment platform is connected with Unionpay's center coupling device, the input/output terminal of described Unionpay's center coupling device is connected with payment plug-in unit.
The input/output terminal of described payment plug-in unit is connected with mobile payment platform.
Described terminal peripheral hardware interface is connected with terminal peripheral hardware card reader.
Described Unionpay's center coupling device is connected with Unionpay center CUPS.
Described payment link is produced by commercial circle platform.
Based on a convenient terminating machine payment procedure for number of ways, described payment procedure comprises online payment and pre-paid transaction, and the concrete steps of described online payment are as follows:
A) after user chooses commodity, lower order, and select to pay mouth; Paying plug-in unit submits to order to generate information request to payment link;
B) payment link generates order information, and submits order request to mobile payment platform, and the information commodity information of submission, merchant information, payment platform distribute to the commercial circle information of commercial circle platform;
C) mobile payment platform generates the order information being used for mobile payment, the order request of response payment link;
D) payment link returns order information to control client terminal, if user repeatedly plays order, then repeats above step;
E) control client call and pay plug-in unit;
F) pay plug-in unit and judge whether user logs in payment platform, as do not logged in, then require that mouth logs in user by paying, after user inputs login information, pay plug-in unit and initiate user rs authentication request to mobile payment platform, request information order number, user name, user's password;
G) mobile payment platform response pays the order request of plug-in unit, returns the information of commodity and pay invoice;
H) pay plug-in unit according to order and user's bank card information composition message, and encrypt information data by safety certificate, then initiate to pay request to Unionpay's center coupling device;
I) pay plug-in unit and send order payment request information to Unionpay's center coupling device;
J) fund is transferred by Unionpay center coupling device, returns pre-paid result information client, notifies mobile payment platform simultaneously;
K) pre-paid result information is sent to commercial circle platform by mobile payment platform;
L) commercial circle platform delivery, and notify that user confirms to receive, after user confirms, terminal is called and is paid plug-in unit initiation user's confirmation request of receiving;
M) payment result information is sent to terminal by Unionpay center coupling device, notifies mobile payment platform simultaneously;
N) information that mobile payment platform returns according to Unionpay's center coupling device, notice commercial circle platform.
When the present invention specifically implements: the present invention is for, in the main flow modes of payments existed at present, what this mobile-payment system adopted is groove scheme of swiping the card outside mobile audio interface, it is achieved long-range mobile payment function;What therefore terminal and terminal peripheral hardware adopted is the two-way current technology of audio port, and to control client terminal, payment link, mobile payment platform be all have employed the very high HTTPS communication protocol of security between any two, the communication entity relating to financing security is paid to plug-in unit and Unionpay's center coupling device such as terminal, Unionpay's center coupling device and payment platform are all have employed Unionpay's center Special safety passage, and communication entity is being transmitted by network communication, terminal peripheral hardware interface is connected with terminal peripheral hardware card reader, and the terminal peripheral hardware in mobile-payment system of the present invention is for reading and store bank card magnetic strip information, and bank card magnetic strip information belongs to the finance secret of user, is directly related to user's fund security, what chip wherein adopted is the safety chip of finance rank, safety chip inherently has independent treater and the function of storage unit, provide key management mechanism such as the generation of hardware keys, upgrade, cancel, and it is integrated with multiple high-speed hardware enciphering algorithm module, it is as audio frequency card reader equally, chip additionally provides the information processing module of conversion mutually between sound signal and numerary signal, safety chip additionally provides the storage function to special information and significant data, therefore bank card magnetic track information can be read by the card reader of terminal peripheral hardware, then by binding bank card mechanism, by the magnetic track information of this bank card through hardware encryption technology, it is stored in the SE of terminal peripheral hardware, this kind of pattern can be bound, total the present invention have rational in infrastructure, pay based on external device, hardware and software combines, system is simple, operation rationally, the high advantage of security.
Claims (6)
1. the convenient terminating machine payment system based on number of ways, it comprises client terminal, it is characterized in that: described client terminal is control client terminal, the input/output terminal of described control client terminal is connected with payment mouth, the input/output terminal of described control client terminal is also connected with terminal peripheral hardware interface, the input/output terminal of described control client terminal is also connected with payment plug-in unit, the input/output terminal of described payment plug-in unit is connected with payment link, the input/output terminal of described payment link is connected with mobile payment platform, the input/output terminal of described mobile payment platform is connected with Unionpay's center coupling device, the input/output terminal of described Unionpay's center coupling device is connected with payment plug-in unit.
2. a kind of convenient terminating machine payment system based on number of ways as claimed in claim 1, it is characterised in that: the input/output terminal of described payment plug-in unit is connected with mobile payment platform.
3. a kind of convenient terminating machine payment system based on number of ways as claimed in claim 1, it is characterised in that: described terminal peripheral hardware interface is connected with terminal peripheral hardware card reader.
4. a kind of convenient terminating machine payment system based on number of ways as claimed in claim 1, it is characterised in that: described Unionpay's center coupling device is connected with Unionpay center CUPS.
5. a kind of convenient terminating machine payment system based on number of ways as claimed in claim 1, it is characterised in that: described payment link is produced by commercial circle platform.
6. the convenient terminating machine payment procedure based on number of ways, it is characterised in that: described payment procedure comprises online payment and pre-paid transaction, and the concrete steps of described online payment are as follows:
A) after user chooses commodity, lower order, and select to pay mouth; Paying plug-in unit submits to order to generate information request to payment link;
B) payment link generates order information, and submits order request to mobile payment platform, and the information commodity information of submission, merchant information, payment platform distribute to the commercial circle information of commercial circle platform;
C) mobile payment platform generates the order information being used for mobile payment, the order request of response payment link;
D) payment link returns order information to control client terminal, if user repeatedly plays order, then repeats above step;
E) control client call and pay plug-in unit;
F) pay plug-in unit and judge whether user logs in payment platform, as do not logged in, then require that mouth logs in user by paying, after user inputs login information, pay plug-in unit and initiate user rs authentication request to mobile payment platform, request information order number, user name, user's password;
G) mobile payment platform response pays the order request of plug-in unit, returns the information of commodity and pay invoice;
H) pay plug-in unit according to order and user's bank card information composition message, and encrypt information data by safety certificate, then initiate to pay request to Unionpay's center coupling device;
I) pay plug-in unit and send order payment request information to Unionpay's center coupling device;
J) fund is transferred by Unionpay center coupling device, returns pre-paid result information client, notifies mobile payment platform simultaneously;
K) pre-paid result information is sent to commercial circle platform by mobile payment platform;
L) commercial circle platform delivery, and notify that user confirms to receive, after user confirms, terminal is called and is paid plug-in unit initiation user's confirmation request of receiving;
M) payment result information is sent to terminal by Unionpay center coupling device, notifies mobile payment platform simultaneously;
N) information that mobile payment platform returns according to Unionpay's center coupling device, notice commercial circle platform.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610062254.5A CN105678533A (en) | 2016-01-29 | 2016-01-29 | Multi-approach convenience terminal machine payment system and method |
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| CN201610062254.5A CN105678533A (en) | 2016-01-29 | 2016-01-29 | Multi-approach convenience terminal machine payment system and method |
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| CN105678533A true CN105678533A (en) | 2016-06-15 |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107025542A (en) * | 2016-10-27 | 2017-08-08 | 阿里巴巴集团控股有限公司 | The method and apparatus that the integration capability of mix is provided |
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| US20150120512A1 (en) * | 2013-10-25 | 2015-04-30 | Tencent Technology (Shenzhen) Company Limited | Method, Device And System For Online Payment |
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2016
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| CN101000675A (en) * | 2006-12-30 | 2007-07-18 | 上海实诺信息技术有限公司 | Electronic transaction method and transaction platform system |
| CN103530764A (en) * | 2013-10-08 | 2014-01-22 | 百度在线网络技术（北京）有限公司 | Electronic trading method, electronic trading system and client-side |
| US20150120512A1 (en) * | 2013-10-25 | 2015-04-30 | Tencent Technology (Shenzhen) Company Limited | Method, Device And System For Online Payment |
| CN104156853A (en) * | 2014-08-21 | 2014-11-19 | 福建富士通信息软件有限公司 | Payment method with simulation of POS by using NFC mobile phone |
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Application publication date: 20160615 |
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