CN105741452A - Method for carrying out transaction at retailing terminal by using portable device - Google Patents
Method for carrying out transaction at retailing terminal by using portable device Download PDFInfo
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- CN105741452A CN105741452A CN201410755190.8A CN201410755190A CN105741452A CN 105741452 A CN105741452 A CN 105741452A CN 201410755190 A CN201410755190 A CN 201410755190A CN 105741452 A CN105741452 A CN 105741452A
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- portable apparatus
- transaction information
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- retail terminal
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Abstract
The invention relates to a method for carrying out transaction at a retailing terminal by using a portable device. The retailing terminal includes a cash system. The method comprises: first transaction information is inputted into the cash system; authentication information of a portable device is transmitted to the cash system; the first transaction information is transmitted to the portable device; the first transaction information is determined at the portable device and second transaction information is generated; the second transaction information is transmitted to a remote payment system; and the remote payment system determines whether the transaction is examined and approved. Therefore, transaction can be completed based on mutual cooperation of the portable device and the cash system of the retailing system, so that the resource consumption can be reduced and the convenience is improved; and construction of special software and hardware for a specific third-party mechanism is not required, so that the overall construction cost of the transaction system can be reduced.
Description
Technical field
The present invention is a kind of method about transaction, and especially with regard to a kind of method being traded at retail terminal with portable apparatus.
Background technology
In prior art, the method being traded at retail terminal mainly includes with physical monetary direct dealing or is traded etc. two kinds with plastic money by the third-party institution (such as bank) beyond consumer and retail terminal.In physical monetary, owing to the manufacture of physical monetary itself all can consume resource with distribution, and the Portability of physical monetary is not good, and physical monetary also has the possibility lost or be stolen in addition, is therefore traded with physical monetary and nonideal trade mode.In plastic money, it is traded including with the credit card or electronic bill, it has also become the mode of doing business in recent years become increasingly popular.The advantage of plastic money is in that Portability is high, and resource consumes relatively low, but plastic money still has the doubt lost or be stolen, and has stolen probability.In addition, before implementing the transaction of plastic money, it is necessary to set up special Soft and hard establishment at retail terminal, in order to the transaction system corresponding with third-party institution construction, so virtually improve holistic cost.Therefore, existing mode of doing business does not disclose further solution.
Summary of the invention
In view of this, the purpose of the present invention is proposing a kind of method being traded with portable apparatus at retail terminal, it is by now universal portable apparatus, such as smart mobile phone, work in coordination with the POS of retail terminal, to resource consumption can be reduced, and improves convenience, reduce the overall construction cost of contingent risk and reduction transaction system when losing or be stolen.
For reaching above-mentioned purpose, the invention provides a kind of method being traded with portable apparatus at retail terminal, retail terminal includes POS.The method includes: input the first Transaction Information to POS；Transmit authenticated data in portable apparatus to POS；Transmit the first Transaction Information to portable apparatus；Portable apparatus confirms the first Transaction Information and produces the second Transaction Information；Transmit the second Transaction Information to far-end payment system；And far-end payment system is confirmed whether to check and approve transaction.
In an embodiment of the present invention, described POS includes virtual cash registers and back-end host, and virtual cash registers is electrically connected back-end host.
In an embodiment of the present invention, described input the first Transaction Information to the step in POS substantially inputs the first Transaction Information to virtual cash registers.
In an embodiment of the present invention, described virtual cash registers is mounted in the application program on mobile device, back-end host described in described mobile device wireless connections.
In an embodiment of the present invention, the authenticated data in described transmission portable apparatus farther includes to the step of POS: be electrically connected portable apparatus and virtual cash registers；Transmit authenticated data in portable apparatus to virtual cash registers；And transmit Notice Of Transactions that the first Transaction Information and virtual cash registers produce to back-end host.Wherein, when back-end host confirms after Notice Of Transactions, back-end host transmits the first Transaction Information to portable apparatus.
In an embodiment of the present invention, described electric connection portable apparatus is substantially electrically connected portable apparatus and virtual cash registers with the step of virtual cash registers with near-field communication (Nearfieldcommunication, NFC) technology.
In an embodiment of the present invention, described on portable apparatus, confirm the first Transaction Information and produce the step of the second Transaction Information and farther include: on portable apparatus, select Payment Methods and produce the second Transaction Information, wherein, the second Transaction Information includes payment information and the first Transaction Information.
In an embodiment of the present invention, described transmission the second Transaction Information farther includes to the step of far-end payment system: portable apparatus transmits the second Transaction Information to after back-end host, and back-end host transmits the second Transaction Information to far-end payment system.
In an embodiment of the present invention, described far-end payment system is confirmed whether that the step checking and approving transaction farther includes: if far-end payment system checks and approves transaction, is respectively transmitted transaction and completes information to portable apparatus and virtual cash registers.
In an embodiment of the present invention, described portable apparatus includes smart mobile phone, and portable apparatus is provided with stored value card (Mobilewallet), and stored value card includes authenticated data.
A kind of method being traded at retail terminal with portable apparatus proposed by the invention, it is by the smart mobile phone being provided with stored value card, work in coordination with the POS of retail terminal, transaction can be completed, compared to prior art, the present invention can reduce resource and consumes and improve convenience, even and if smart mobile phone lose or be stolen, also the password start that smart mobile phone generally has can be passed through, the authentication functions such as identification of fingerprint, reduce contingent risk (possibility of brush as stolen in the credit card) when it is lost or is stolen, and the present invention need to not for special soft of specific third-party institution construction, hardware, only need possess general panel computer, desktop computer or server also install corresponding software, such practice, the overall construction cost of transaction system can be reduced.
Accompanying drawing explanation
The present invention is only schematically illustrated and explains by the following drawings, not delimit the scope of the invention.
Fig. 1 is the block chart of the transaction system of a preferred embodiment of the present invention.
Fig. 2 is the method flow diagram being traded at retail terminal with portable apparatus of a preferred embodiment of the present invention.
Identifier declaration
100 transaction systems
101 clients
102 retail terminals
103 payment terminals
110 portable apparatus
111 stored value cards
120 POSs
121 move device
122 back-end host
123 virtual cash registers
130 far-end payment systems
S101 inputs the first Transaction Information to virtual cash registers
S103 is electrically connected portable apparatus and virtual cash registers
S105 transmits authenticated data in portable apparatus to virtual cash registers
S107 transmits the first Transaction Information and Notice Of Transactions to back-end host
S109 back-end host confirms Notice Of Transactions
S111 transmits the first Transaction Information to portable apparatus
S113 selects Payment Methods on portable apparatus and produces the second Transaction Information
S115 transmits the second Transaction Information to back-end host
S117 transmits the second Transaction Information to far-end payment system
S119 is confirmed whether to check and approve transaction
S121 transmits transaction and completes information to portable apparatus and virtual cash registers
S123 transmits Fail Transaction information to portable apparatus and virtual cash registers.
Detailed description of the invention
For allowing the purpose of the present invention, feature and advantage that those of ordinary skill in the art can be made to be more readily understood, hereafter lift a preferred embodiment, and coordinate institute's accompanying drawings, be described in detail below.
Refer to Fig. 1, Fig. 1 show the block chart of the transaction system 100 of a preferred embodiment of the present invention, transaction system 100 includes client 101, retail terminal 102 and payment terminals 103, wherein, client 101 represents consumer, retail terminal 102 represents seller, and payment terminals 103 represents bank or Third-party payment mechanism.Client 101 includes portable apparatus 110, and in the present embodiment, portable apparatus 110 is smart mobile phone, but is not limited to this.Portable apparatus 110 is mounted with stored value card 111 or there is the application program of identical effect, stored value card 111 includes authenticated data, authenticated data can be the user account number etc. of the numbering of stored value card 111 or portable apparatus 110, and authenticated data is for setting up corresponding annexation between portable apparatus 110 with retail terminal 102 to be traded further.Retail terminal 102 includes POS 120, and in the present embodiment, POS 120 includes mobile device 121 and back-end host 122, and mobile device 121 is wirelessly to be electrically connected back-end host 122, but is not limited to this.Wherein, mobile device 121 is such as flat board (Tablet) computer, and its staff being easy to retail terminal 102 carries use, and back-end host 122 is then such as transaction server.Mobile device 121 is provided with virtual cash registers 123 or other have the application program of identical effect, virtual cash registers 123 can be used for inputting the data such as checkout product item and the amount of money, in the present embodiment, the mode inputting the data such as checkout product item and the amount of money is manually entered for staff；In other embodiments, above-mentioned data can be inputted by the bar code in barcode scanner items scanning, or, the camera unit shooting commodity on available mobile devices, input above-mentioned data after processing again through image identification.In the present embodiment, payment terminals 103 includes far-end payment system 130, and far-end payment system 130 can be passed through wirelessly or non-wirelessly mode and be connected with back-end host 122 foundation.
Show the method flow diagram being traded with portable apparatus 110 of a preferred embodiment of the present invention at retail terminal 102 referring again to Fig. 2, Fig. 2, wherein, the method shown in Fig. 2 is the transaction system 100 shown in application drawing 1.In the present embodiment, the consumer of client 101 holds portable apparatus 110, and the seller of retail terminal 102 is provided with POS 120, far-end payment system 130 line of POS 120 and payment terminals 103.In step S101, described consumer is to the shops for goods of seller, and the Cash register to shop is settled accounts, first Transaction Information is input in the virtual cash registers 123 of the mobile device 121 of POS 120 by the staff in shop, and wherein the first Transaction Information includes checkout product item and the amount of money.
Then carry out step S103 to step S109, transmit authenticated data in portable apparatus 110 to POS 120.In step s 103, portable apparatus 110 is first electrically connected to virtual cash registers 123 by consumer, in the present embodiment, portable apparatus 110 all possesses near-field communication (NFC) function with mobile device 121, therefore, consumer makes it near mobile device 121 by mobile portable apparatus 110, makes both spacing lower than certain distance, automatically can be electrically connected portable apparatus 110 and virtual cash registers 123 with near-field communication technology.Then step S105 is carried out, authenticated data in portable apparatus 110 can be sent to virtual cash registers 123 automatically by near-field communication, in the present embodiment, authenticated data is the described consumer numbering of the stored value card 111 in the user account of Login Register and portable apparatus 110 in portable apparatus 110 in advance.Then step S107 is carried out, virtual cash registers 123 can produce Notice Of Transactions according to described authenticated data, Notice Of Transactions includes the data such as code and the transaction number in the numbering of stored value card 111, shop, and mobile device 121 can transmit the back-end host 122 of the first Transaction Information and Notice Of Transactions to POS 120.Then step S109 is carried out, after back-end host 122 confirms Notice Of Transactions, in other words, after back-end host 122 confirms sender's identity and the transaction data of Notice Of Transactions, then then carrying out step S111, back-end host 122 can transmit the first Transaction Information to portable apparatus 110.
In step S113, consumer receives the first Transaction Information on portable apparatus 110, therefore by portable apparatus 110, consumer can confirm that whether the content of the first Transaction Information is errorless, such as checkout product item, quantity and the amount of money etc., if confirming errorless, then can selecting Payment Methods further, described Payment Methods are such as the safety element (Secureelement that consumer logs in the near field communications chip of portable apparatus 110 in advance, SE) virtual credit card in, but it is not limited to this.After person to be consumed selects Payment Methods and confirms payment, portable apparatus 110 can produce the second Transaction Information, wherein, second Transaction Information includes payment information and described first Transaction Information, and payment information includes the data such as credit card number, credit card Expiration Date and secure element authentication code (SEID).
Then carry out step S115 to S117, transmit the second Transaction Information to far-end payment system 130.In step sl 15, portable apparatus 110 transmits described second Transaction Information to back-end host 122, then carrying out step S117, back-end host 122, according to the requirement of merchant bank (i.e. payment terminals 103), transmits described second Transaction Information and to far-end payment system 130 and proposes transaction application.
In step S119, far-end payment system 130 can be confirmed whether to check and approve transaction, if checking and approving transaction, then then carry out step S121, far-end payment system 130 can transmit transaction and complete information to back-end host 122, back-end host 122 is respectively transmitted the information of the transaction virtual cash registers 123 to portable apparatus 110 with mobile device 121 again, allows the staff in consumer and shop can learn transaction results；If not checking and approving transaction in step S119, then then carrying out step S123, far-end payment system 130 can transmit Fail Transaction information to portable apparatus 110 and virtual cash registers 123.
Although the present invention is disclosed above with preferred embodiment; so it is not intended to limit the present invention, any those skilled in the art, without departing from the spirit and scope of the present invention; can doing a little change and retouching, therefore protection scope of the present invention ought be defined depending on claim and is as the criterion.
Claims (10)
1. the method being traded at retail terminal with portable apparatus, this retail terminal includes a POS, should include with the method that portable apparatus is traded at retail terminal:
Input one first Transaction Information to this POS；
Transmit an authenticated data in this portable apparatus to this POS；
Transmit this first Transaction Information to this portable apparatus；
This portable apparatus confirms this first Transaction Information and produces one second Transaction Information；
Transmit this second Transaction Information to a far-end payment system；And
This far-end payment system is confirmed whether to check and approve transaction.
2. the method being traded at retail terminal with portable apparatus as claimed in claim 1, wherein, this POS includes a virtual cash registers and a back-end host, and this virtual cash registers is electrically connected this back-end host.
3. the method being traded at retail terminal with portable apparatus as claimed in claim 2, wherein, inputs this first Transaction Information to the step in this POS and substantially inputs this first Transaction Information to this virtual cash registers.
4. the method being traded at retail terminal with portable apparatus as claimed in claim 3, wherein, this virtual cash registers is mounted in an application program moving on device, and this moves this back-end host of device wireless connections.
5. the method being traded at retail terminal with portable apparatus as claimed in claim 3, wherein, transmits this authenticated data in this portable apparatus to the step of this POS and farther includes:
It is electrically connected this portable apparatus and this virtual cash registers；
Transmit this authenticated data in this portable apparatus to this virtual cash registers；And
Transmit a Notice Of Transactions that this first Transaction Information and this virtual cash registers produce to this back-end host；
Wherein, after this back-end host confirms this Notice Of Transactions, this back-end host transmits this first Transaction Information to this portable apparatus.
6. the method being traded at retail terminal with portable apparatus as claimed in claim 5, wherein, the step being electrically connected this portable apparatus and this virtual cash registers is substantially electrically connected this portable apparatus and this virtual cash registers with near field communication technology.
7. the method being traded at retail terminal with portable apparatus as claimed in claim 5, wherein, confirms this first Transaction Information on this portable apparatus and produces the step of this second Transaction Information and farther include:
Selecting Payment Methods on this portable apparatus and produce this second Transaction Information, wherein, this second Transaction Information includes a payment information and this first Transaction Information.
8. the method being traded at retail terminal with portable apparatus as claimed in claim 6, wherein, transmits this second Transaction Information to the step of this far-end payment system and farther includes:
This portable apparatus transmits this second Transaction Information to after this back-end host, and this back-end host transmits this second Transaction Information to this far-end payment system.
9. the method being traded at retail terminal with portable apparatus as claimed in claim 8, wherein, this far-end payment system is confirmed whether that the step checking and approving transaction farther includes:
If far-end payment system checks and approves transaction, it is respectively transmitted a transaction and completes information to this portable apparatus and this virtual cash registers.
10. the method being traded at retail terminal with portable apparatus as claimed in claim 1, wherein, this portable apparatus includes a smart mobile phone, and this portable apparatus is provided with a stored value card, and this stored value card includes this authenticated data.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410755190.8A CN105741452A (en) | 2014-12-11 | 2014-12-11 | Method for carrying out transaction at retailing terminal by using portable device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410755190.8A CN105741452A (en) | 2014-12-11 | 2014-12-11 | Method for carrying out transaction at retailing terminal by using portable device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105741452A true CN105741452A (en) | 2016-07-06 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410755190.8A Pending CN105741452A (en) | 2014-12-11 | 2014-12-11 | Method for carrying out transaction at retailing terminal by using portable device |
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| CN (1) | CN105741452A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106228362A (en) * | 2016-07-22 | 2016-12-14 | 萨摩亚商.繁星科技有限公司 | Action method of payment, action payment system and telecommunications end processing unit, sales end processing unit, transaction platform |
| CN113383357A (en) * | 2019-01-18 | 2021-09-10 | 林钟辰 | Two-dimensional code payment linkage method and system |
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| CN1908981A (en) * | 2005-08-01 | 2007-02-07 | 富士通株式会社 | Wireless computer wallet for physical point of sale (pos) transactions |
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| CN113383357A (en) * | 2019-01-18 | 2021-09-10 | 林钟辰 | Two-dimensional code payment linkage method and system |
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