CN106447962A - System of automatically identifying and switching payment modes automatically - Google Patents
System of automatically identifying and switching payment modes automatically Download PDFInfo
- Publication number
- CN106447962A CN106447962A CN201610545660.7A CN201610545660A CN106447962A CN 106447962 A CN106447962 A CN 106447962A CN 201610545660 A CN201610545660 A CN 201610545660A CN 106447962 A CN106447962 A CN 106447962A
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- Prior art keywords
- unit
- payment
- nfc
- ultrasonic wave
- automatic switchover
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Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
-
- 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
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
-
- 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
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- 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
-
- 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
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Computer Networks & Wireless Communication (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
The present invention provides a system of automatically identifying and switching payment modes automatically. The system comprises a CPU, a power supply unit, a storage unit, a communication unit, a display unit, an input unit and a payment mode identification unit, and the payment mode identification unit can identify the payment modes of the payment terminals automatically and switch into the corresponding payment modes.
Description
Invention field
The present invention relates to the system of a kind of automatic identification the means of payment that automatically switches, it includes：CPU element, communication are single
Unit, display unit, power subsystem, memory cell, input block and means of payment recognition unit, described means of payment recognition unit
It is capable of the means of payment of automatic identification payment terminal, and switch to the corresponding means of payment.
Background of invention
With the development of human society, people increasingly recognize E-Payment, because pay by mails to overcome being handed over using cash
There is cash small change, counterfeit money in easily, the shortcomings of transactions velocity is slow, both parties cannot effectively record.
E-Payment refers to that unit, individual directly or authorize other people to send payment instruction by electric terminal, realizes currency
The behavior of Zhi Fuyu fund transfer.Pay by mails, except conventional pos machine is swiped the card, Web bank etc., have also appeared new movement
Pay.
In recent years, mobile Internet development is advanced by leaps and bounds, and mobile payment is also increasingly welcome by consumer.Mobile
Pay (Mobile Payment), also referred to as mobile-phone payment, refer to both parties for certain goods or service, using movement
Terminal device is carrier, the business transaction realized by mobile communications network.Mobile payment is broadly divided near field and pays and long-range
Pay two kinds.The main near field payment technology using is divided in the world at present：Near field communication (NFC) (Near Field
Communication, abbreviation NFC) and Mobile phone card card-reading system (Subscr iber Identity Module PASS, referred to as
SIMPASS) etc..Remote payment refers to：By propping up that transmission payment instruction (as Net silver, telephone bank, mobile-phone payment etc.) is carried out
The mode of paying, currently a popular Alipay, wechat pay etc..
The different means of payment may need different equipment, accordingly, it would be desirable to integrate the equipment of multiple means of payment.Especially
It is that the frequency of the communication port that different payment technologies is used when paying is different, and such as SIMPASS technology is
2.4GHz and NFC technique are 13.56MHz, thus work as be configured with multiple mobile payment skills in the communication terminals such as mobile phone simultaneously
During art, it will lead to payment transaction chaotic.
Accordingly, it would be desirable to a kind of system that can integrate these means of payment.
Detailed Description Of The Invention
In order to solve above-mentioned the problems referred to above, the invention provides a kind of system of the automatic switchover means of payment, this system
Integrate the electronic payment mode of current main flow, thus can be paid by mails on one system, and without multiple devices.
According to an aspect of the invention, it is provided a kind of system of the automatic switchover means of payment, including：CPU element, logical
News unit, display unit, power subsystem, memory cell, input block and means of payment recognition unit, described means of payment identification
Unit accepts the signal from payment terminal, and switches to the corresponding means of payment.
Wherein, CPU element is connected the normal operation it is ensured that each unit respectively with other each unit.
Described communication unit is used for providing network connection in payment process, and interface is bluetooth module interface, infrared module
One of interface, gsm communication module interface, 3G network module interface, 4G network communication interface, WIFI communication interface or several
Kind.
Display unit is used for showing transaction details, and for comprising Quick Response Code of payment information etc. used by consumer's barcode scanning,
It can be the conventional display in this area, such as, but not limited to, liquid crystal display.
Power subsystem is run for whole system provides required electric power, and it can comprise the electric power storage of such as lithium battery simultaneously
Pond, to provide electric power in unexpected power failure.
Described memory cell is used for the data such as store transaction information, so that system achieves.
Described input block include, but are not limited to keyboard, mouse, the touch-screen of setting on liquid crystal display, bar code or
In two-dimensional code scanning shooting unit at least two.
For example, described keyboard is used for directly inputting the information such as trade name, and businessman is in advance by trade name or coding information
It is entered into memory cell, write by input method of Chinese character and get trade name it is also possible to the commodity code of input feature, it encodes
Can be that setting is drafted by businessman oneself.
Described mouse can coordinate keyboard use can also be used alone, and it is single that merchandise news is entered into storage by businessman in advance
Unit, is shown with forms such as pictures or title by display unit, is selected by mouse, then carries out with CPU element
Information exchange, determines tradable commodity type.
On described liquid crystal display setting touch-screen, similar with mouse function, businessman in advance by commodity details with picture
Or the form typing memory cell of title is shown by display unit, selected by touch-screen, then with CPU element
Carry out information exchange, determine tradable commodity type.
Described bar code or two-dimensional code scanning shooting unit read the particular bar installed on commodity in advance or paste
And/or Quick Response Code, and store each bar code and/or the corresponding merchandise news of Quick Response Code, described bar code in the memory unit
Or two-dimensional code scanning shooting unit includes：Scanner and/or camera, described scanner, camera can be with bar code or two
Tie up one group of code scanning shoot units shared or be separately provided one group；Bar code or two-dimensional code scanning shooting unit are entered with CPU element
Row information interacts, and determines tradable commodity type.
Described means of payment recognition unit refers to payment information collecting unit, and it includes：
Magnetic stripe card reading unit, it is used for for identifying different types of magnetic stripe card, such as bank card or credit card；RFID
Card reading unit, it is used for reading the RFID information of holder；
Bar code or two-dimensional code scanning shooting unit, it is used for shooting and/or scanning Quick Response Code and/or the bar of buyer's offer
Shape code is it is preferable that it includes scanner or camera；
Quick Response Code signal generating unit, it is used for generating the Quick Response Code comprising amount information, and described Quick Response Code signal generating unit is respectively
It is connected with CPU element, communication unit and display unit；
NFC sensing unit, it is used for reading NFC information in mobile device, and it includes NFC chip, NFC communication unit, NFC
Control circuit and NFC antenna and NFC induction zone, described NFC control circuit is connected with described CPU element；With
Ultrasonic wave receiving unit, it includes the ultrasonic wave receiving circuit for receiving ultrasonic wave, and described ultrasonic wave receives electricity
Road is connected with CPU element.
These payment information collecting units are incorporated in a module or in multiple module, are preferably incorporated into a module
In.
When means of payment recognition unit recognition detection is to signal, it is automatically sent to CPU element, sent by CPU element and pay
Money is asked.
Described means of payment recognition unit is connected with payment terminal to be identified sensing as payment information collection terminal, as above
Described, its workflow is as follows：
For example, when buyer is swiped the card using the bank card with magnetic stripe, holding on bank card is read by magnetic stripe card reading unit
Card people's magnetic strip information, system operators input dealing money, holder's input personally identifiable information (i.e. password), and system is this
A little information pass through Unionpay center, Shang Song issuing bank system, complete on-line transaction.
Or, when the barcode scanning that buyer uses Alipay pays, input the amount of money by the operating personnel of system, by bar code or
Two-dimensional code scanning shooting unit shoots and/or scanning buyer provides Quick Response Code and/or bar code, now click in Alipay
Payment code, will form a Quick Response Code or a bar code, read, by camera or scanner, Quick Response Code or the bar shaped that buyer provides
Code, this consumption will be deducted fees by this reading process.The debt (less than 200 yuan) of small amount can directly be deducted fees, if
The too high buyer of the amount of money passes through the account of Alipay that is stored with mobile phone, carries out payment cipher input after the password confirming amount of money, transaction
Transaction successful information can be fed back to the seller after success.This kind of means of payment is not limited only to be suitable for Alipay payment, it is possible to use
In wechat payment and other multiple means of payment.
Transaction Information is obtained by the bill scanning user and forms transaction Quick Response Code in Quick Response Code viewing area, user only needs
Open mobile phone wallet scanning 2 D code information and just can achieve that no card pays, it is convenient to use.
Described ultrasonic wave receiving unit includes ultrasonic wave receiving circuit, and it is used for receiving ultrasonic wave.Buyer is super by having
The electronic equipment of sound wave payment function and ultrasonic wave receiving circuit carry out ultrasonic wave connection, and this ultrasonic wave receiving circuit connects CPU
Unit, and then deduction debt completes payment.
Preferably, also include print unit, print unit can print bill and print Quick Response Code.
The system of automatic identification of the present invention the means of payment that automatically switches passes through the automatic identification means of payment, permissible
Greatly improve transaction rate；Multiple means of payment can more save both parties' time, simplify transaction procedure, provide just
Profit.
Specific embodiment
With reference to embodiment, the present invention will be described in detail.
Embodiment 1
The present embodiment provide a kind of system of the automatic switchover means of payment, including CPU element, power subsystem, memory cell,
Communication unit, display unit, input block and means of payment recognition unit.Described means of payment recognition unit is as payment information
Collection terminal is connected with payment terminal to be identified sensing.
Described means of payment recognition unit includes magnetic stripe card reading unit, RFID card reading unit, bar code or Quick Response Code and sweeps
Retouch shooting unit, Quick Response Code signal generating unit, NFC sensing unit and/or ultrasonic wave receiving unit, and they are integrated into one
In module.
When consumer uses ultrasonic wave payment function, ultrasonic wave receiving unit can receive with ultrasonic wave payment function
The ultrasonic wave that sends of electronic equipment, this ultrasonic wave receiving circuit connects CPU, thus completing consumption and payment.
In sum, the system of this automatic identification of the present invention the means of payment that automatically switches is propped up by automatic identification
The mode of paying, can greatly improve transaction rate；Multiple means of payment can more save both parties' time, simplifies transaction hand
Continuous, facility is provided.
The above be only the preferred embodiment of the present invention it is impossible to be considered as limitation of the present invention it is noted that for
For those skilled in the art, on the premise of without departing from the technology of the present invention principle, some changing can also be made
Enter and modification, these improve and modification also should be regarded as protection scope of the present invention.
Claims (7)
1. a kind of system of the automatic switchover means of payment, including：CPU element, communication unit, display unit, power subsystem, storage
Unit, input block and means of payment recognition unit, described means of payment recognition unit is capable of propping up of automatic identification payment terminal
The mode of paying, and switch to the corresponding means of payment.
2. the system of the automatic switchover means of payment according to claim 1, described means of payment recognition unit includes magnetic
Bar card reading unit, RFID card reading unit, bar code or two-dimensional code scanning shooting unit, Quick Response Code signal generating unit, NFC sensing unit
And/or ultrasonic wave receiving unit.
3. the system of the automatic switchover means of payment according to claim 2, described bar code or two-dimensional code scanning shoot single
Unit includes camera and/or scanner.
4. the system of the automatic switchover means of payment according to claim 2, described Quick Response Code signal generating unit is mono- with CPU respectively
Unit, communication unit and display unit connect.
5. the system of the automatic switchover means of payment according to claim 2, NFC sensing unit includes NFC chip, NFC leads to
Letter unit, NFC control circuit and NFC antenna and NFC induction zone, described NFC control circuit is connected with described CPU element.
6. the system of the automatic switchover means of payment according to claim 2, described ultrasonic wave receiving unit is included for connecing
Receive the ultrasonic wave receiving circuit of ultrasonic wave, described ultrasonic wave receiving circuit is connected with CPU element.
7. the system of the automatic switchover means of payment according to claim 1, also includes print unit, and print unit can be beaten
Print bill and printing Quick Response Code.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610545660.7A CN106447962A (en) | 2016-07-12 | 2016-07-12 | System of automatically identifying and switching payment modes automatically |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610545660.7A CN106447962A (en) | 2016-07-12 | 2016-07-12 | System of automatically identifying and switching payment modes automatically |
Publications (1)
| Publication Number | Publication Date |
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| CN106447962A true CN106447962A (en) | 2017-02-22 |
Family
ID=58183512
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| CN201610545660.7A Pending CN106447962A (en) | 2016-07-12 | 2016-07-12 | System of automatically identifying and switching payment modes automatically |
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Cited By (8)
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| CN107093219A (en) * | 2017-05-10 | 2017-08-25 | 北京聚利科技股份有限公司 | Expressway tol lcollection equipment |
| CN108171899A (en) * | 2017-12-28 | 2018-06-15 | 深圳市前海车博科技有限公司 | A kind of convenient and efficient car-washing method and system based on mobile terminal |
| CN108805554A (en) * | 2018-04-20 | 2018-11-13 | 中国银联股份有限公司 | A kind of accepting terminal, user terminal and method of payment |
| CN109426746A (en) * | 2018-08-03 | 2019-03-05 | 中国银联股份有限公司 | Barcode scanning gun apparatus and the non-method for handover control for receiving reason and barcode scanning and reading |
| CN109903037A (en) * | 2019-01-24 | 2019-06-18 | 北京银联金卡科技有限公司 | Internet of Things payment platform and method of payment for diversification payment scene |
| CN110414970A (en) * | 2019-07-30 | 2019-11-05 | 中国工商银行股份有限公司 | A kind of method of payment and device |
| CN112001719A (en) * | 2020-08-18 | 2020-11-27 | 中国建设银行股份有限公司 | Transaction control method, device, self-service banking machine and readable storage medium |
| JP2021163306A (en) * | 2020-04-01 | 2021-10-11 | 株式会社Mobility Technologies | Terminal for settlement and settlement processing system |
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Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107093219A (en) * | 2017-05-10 | 2017-08-25 | 北京聚利科技股份有限公司 | Expressway tol lcollection equipment |
| CN108171899A (en) * | 2017-12-28 | 2018-06-15 | 深圳市前海车博科技有限公司 | A kind of convenient and efficient car-washing method and system based on mobile terminal |
| CN108805554A (en) * | 2018-04-20 | 2018-11-13 | 中国银联股份有限公司 | A kind of accepting terminal, user terminal and method of payment |
| CN109426746A (en) * | 2018-08-03 | 2019-03-05 | 中国银联股份有限公司 | Barcode scanning gun apparatus and the non-method for handover control for receiving reason and barcode scanning and reading |
| WO2020024758A1 (en) * | 2018-08-03 | 2020-02-06 | 中国银联股份有限公司 | Code scanning gun device and switching control method for non-contact acceptance and code scanning reading |
| CN109903037A (en) * | 2019-01-24 | 2019-06-18 | 北京银联金卡科技有限公司 | Internet of Things payment platform and method of payment for diversification payment scene |
| CN109903037B (en) * | 2019-01-24 | 2024-04-16 | 北京银联金卡科技有限公司 | Internet of things payment platform and payment method for diversified payment scenes |
| CN110414970A (en) * | 2019-07-30 | 2019-11-05 | 中国工商银行股份有限公司 | A kind of method of payment and device |
| JP2021163306A (en) * | 2020-04-01 | 2021-10-11 | 株式会社Mobility Technologies | Terminal for settlement and settlement processing system |
| JP7412252B2 (en) | 2020-04-01 | 2024-01-12 | Ｇｏ株式会社 | Payment terminal and payment processing system |
| CN112001719A (en) * | 2020-08-18 | 2020-11-27 | 中国建设银行股份有限公司 | Transaction control method, device, self-service banking machine and readable storage medium |
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Address after: Huaqiao Economic Development Zone, Kunshan City, Suzhou City, 215332 Jin Yang Lu Jiangsu province No. 15 corporate headquarters building 6 layer B3 Applicant after: Kunshan dazzling life information technology Limited by Share Ltd Address before: Huaqiao Economic Development Zone, Kunshan City, Suzhou City, 215332 Jin Yang Lu Jiangsu province No. 15 corporate headquarters building 6 layer B3 Applicant before: Kunshan dazzle Life Information Technology Co., Ltd. |
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Application publication date: 20170222 |