CN106557918A - A kind of POS card-punching system and its POS - Google Patents
A kind of POS card-punching system and its POS Download PDFInfo
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- CN106557918A CN106557918A CN201510642011.4A CN201510642011A CN106557918A CN 106557918 A CN106557918 A CN 106557918A CN 201510642011 A CN201510642011 A CN 201510642011A CN 106557918 A CN106557918 A CN 106557918A
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- pos
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- wireless communication
- stored value
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- 238000004080 punching Methods 0.000 title claims abstract description 24
- 238000004891 communication Methods 0.000 claims abstract description 73
- 238000000034 method Methods 0.000 claims abstract description 35
- 230000008569 process Effects 0.000 claims abstract description 35
- 230000003993 interaction Effects 0.000 claims description 7
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 claims description 2
- 239000010931 gold Substances 0.000 claims description 2
- 229910052737 gold Inorganic materials 0.000 claims description 2
- 230000002452 interceptive effect Effects 0.000 claims 1
- 230000008859 change Effects 0.000 description 3
- 238000010586 diagram Methods 0.000 description 3
- 230000027455 binding Effects 0.000 description 2
- 238000009739 binding Methods 0.000 description 2
- 230000010365 information processing Effects 0.000 description 2
- 238000003672 processing method Methods 0.000 description 2
- 230000005540 biological transmission Effects 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 230000006870 function Effects 0.000 description 1
- 210000004247 hand Anatomy 0.000 description 1
- 230000006872 improvement Effects 0.000 description 1
Classifications
-
- 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
-
- 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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- 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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
- G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention relates to pay field by mails, more particularly to a kind of POS card-punching system and its POS.The POS card-punching system at least includes:Intelligent terminal, POS and service process terminal；The intelligent terminal at least includes bank account control unit and communication module, and the accounts information of the as specified gathering first gathering stored value card is at least preserved in the bank account control unit；The POS at least includes the first wireless communication unit, the second wireless communication unit, memory element and the card reading unit that primary processor and the primary processor are respectively connected with, first wireless communication unit is set up with the communication module and is wirelessly connected, and second wireless communication unit is wirelessly connected for being set up with the service process terminal.
Description
Technical field
The present invention relates to pay field by mails, more particularly to a kind of POS card-punching system and POS.
Background technology
As expanding economy, the form of business progressively change and become increasingly prosperous, have increasing special
Industry wholesale market and sales field occur, and also occur in that large quantities of self-employed businessman.These self-employed businessman are in daily business
In industry business activities, substantial amounts of cash transaction is needed, therefore, for can carry with, can whenever and wherever possible just
The POS terminal unit of prompt transaction has more extensive demand.
POS is a kind of multi-functional terminal end, and it can realize electronic funds automatic account transfer and the clearing of account,
And provide data, services and management function to the transaction of commodity and media, use it is safe and efficient, it is deep by each big
The favor of trade company.
However, there are various disadvantages in current POS.On the one hand, the POS possessed by trade company can only
One bank card account of binding, if bank card is lost, or when needing to change other bank card bindings, is both needed to
Appointed bank to be arrived or POS are sold and return home cancellation or change bank card account, bring very to businessman
Inconvenience more；On the other hand, trade company needs to POS seller or bank to submit when POS is bought
Various personal informations, such as identity card, bank card copy etc., so easily cause individual privacy leakage
Or there is fund security hidden danger.
The content of the invention
In view of this, present invention offer is a kind of can conveniently switch bank card account and safe and reliable POS
Machine.
The POS card-punching system that the present invention is provided at least includes:Intelligent terminal, POS and Business Processing
Terminal；The intelligent terminal at least includes bank account control unit and communication module, the bank account control
The accounts information of as specified gathering first gathering stored value card is preserved in unit processed at least；The POS
Machine at least include primary processor and the primary processor be respectively connected with the first wireless communication unit, the second nothing
Line communication unit, memory element and card reading unit, first wireless communication unit are built with the communication module
Vertical wireless connection, the memory element are used for the accounts information for storing the first gathering stored value card, the reading
Card unit be used for read consumption stored value card consumption information, second wireless communication unit for the industry
Business processing terminal sets up wireless connection.
In the POS based on bank client that the present invention is provided, first wireless communication unit and institute
The radio connection for stating communication module is that bluetooth connection or WIFI connect, and corresponding described first is wireless
Communication unit and communication module are bluetooth module or WIFI module；Second wireless communication unit is
GSM, CDMA, 3G or 4G NE.
In the POS based on bank client that the present invention is provided, the bank account control unit is also used
In the accounts information for preserving the second gathering stored value card, the 3rd gathering stored value card.
In the POS based on bank client that the present invention is provided, the service process terminal includes first
Settlement center and the second settlement center, first settlement center are wirelessly connected with second wireless communication unit
Connect, and receive the information of withholing that second wireless communication unit is sent, first settlement center is also carried out
Withhold and process and the fund of withholing is handed to into the second settlement center；Second settlement center is to the money of withholing
Gold carries out gathering process, and Receiving information is sent to the second wireless communication unit.
In the POS based on bank client that the present invention is provided, the service process terminal includes first
Settlement center and the second settlement center, first settlement center are wirelessly connected with second wireless communication unit
Connect, first settlement center receives the consumption information that second wireless communication unit is sent, described first
Settlement center carries out withholing according to the consumption information and processes and the fund of withholing is handed to the second settlement center；
Second settlement center carries out gathering process to the fund of withholing, and the information for receiving to process is sent to
Second wireless communication unit.
In the POS based on bank client that the present invention is provided, state the second settlement center and be additionally operable to institute
State the fund of withholing and be stored in first stored value card account.
In the POS based on bank client that the present invention is provided, the intelligent terminal is mobile phone or flat
Plate computer, the bank account control unit are application program of mobile phone or panel computer application program.
In the POS based on bank client that the present invention is provided, the POS also includes bio-identification
Unit, the bio-identification unit are connected with the primary processor, in the consumption for reading consumption stored value card
Client identity is confirmed after information.
Present invention also offers a kind of POS, which is used to set up nothing with mobile terminal and service process terminal
Line connects, and the POS at least includes the first nothing that primary processor and the primary processor are respectively connected with
Line communication unit, the second wireless communication unit, memory element and card reading unit, the first radio communication list
Unit sets up for the communication module with intelligent terminal and is wirelessly connected, and the memory element is used to store gathering Stored Value
The accounts information of card, the card reading unit are used for the consumption information for reading consumption stored value card, and described second is wireless
Communication unit is wirelessly connected for being set up with the service process terminal.
The POS that the present invention is provided also includes the man-machine interaction list being connected with the primary processor respectively
Unit, display unit and bio-identification unit, the man-machine interaction unit are at least used for withholing for receives input
The amount of money, the display unit are used to show the deducted amount that the bio-identification unit to be used to read consumption
Client identity is confirmed after the consumption information of stored value card.
In the information processing method of the POS card-punching system in present embodiment, due to the POS
First wireless communication unit is set up with the communication module of the intelligent terminal and is wirelessly connected, the bank account control
Unit processed sets up data channel with first wireless communication module, thus Jing POSs master selectes gathering Stored Value
After card, the POS directly can obtain selected gathering stored value card account letter from the intelligent terminal
Breath.And as the bank account control unit can bind multiple gathering stored value cards, if POS master
Want to switch stored value card, you can select other gathering stored value cards and by the accounts information of the gathering stored value card again
It is sent to first wireless communication unit.Therefore the POS card-punching system that the present invention is provided is broken
POS can only bind the limitation of a gathering stored value card at present.Further, since the POS is straight
The selected stored value card account information of wireless receiving and storage is connect, thus without the need for buying POS in prior art
The step of personal information need to being provided during machine, therefore, POS card-punching system and its POS that the present invention is provided
Machine does not result in the leakage of personal information, safe and reliable.
Description of the drawings
Below in conjunction with drawings and Examples, the invention will be further described, in accompanying drawing：
The structural representation of the POS card-punching system of the better embodiment that Fig. 1 is provided for the present invention；
The structural representation of the POS 101 of the better embodiment that Fig. 2 is provided for the present invention；
Concrete structure schematic diagrams of the Fig. 3 for a better embodiment of service process terminal 103 shown in Fig. 1.
Specific embodiment
The POS based on bank client for providing to illustrate the invention, below in conjunction with Figure of description and
Explanatory note is described in detail.
In describing the invention, it should be noted that unless otherwise clearly defined and limited, term
" being connected ", " connection " should be interpreted broadly, and can be the electric connection of two element internals；Can be
It is joined directly together, it is also possible to be indirectly connected to by intermediary, for one of ordinary skill in the art
Speech, can understand the concrete meaning of above-mentioned term as the case may be.Additionally, term " first ",
" second " is only used for describing purpose, and it is not intended that indicating or implying relative importance or implicit finger
The quantity of bright indicated technical characteristic.Thus, define " first ", the feature of " second " can be with
Express or implicitly include one or more this feature.
As shown in figure 1, the knot of the POS card-punching system of its better embodiment provided for the present invention
Structure schematic diagram, which at least includes:POS 101, intelligent terminal 102 and service process terminal 103.
The intelligent terminal 102 at least includes bank account control unit and communication module, the bank account
The accounts information of as specified gathering first gathering stored value card is preserved in control unit at least.The intelligence
Terminal is usually the hand-held intelligent terminal of the POS master, and such as mobile phone or panel computer are gone back certainly
Can be the intelligent terminal of other classifications.The corresponding bank account control unit is application program of mobile phone
Or panel computer application program (app) (app).The bank account control unit can be also used for protecting
Deposit the accounts information of multiple stored value cards such as the second gathering stored value card, the 3rd gathering stored value card.I.e. described bank's account
Family control unit can be the application program of mobile phone of bank card in only one bank of management, such as Bank of China's handss
Machine bank application etc., or while the application program of mobile phone of the multiple bank cards of management.Described first
The stored value cards such as gathering stored value card, the second gathering stored value card, the 3rd gathering stored value card are usually POS master's
Receiving bank's card or the credit card etc..The card is magnetic stripe card or I C cards.
As shown in Fig. 2 the structure of the POS 101 of its better embodiment provided for the present invention is shown
It is intended to, the POS 101 at least includes primary processor 1010, distinguishes phase with the primary processor 1010
The first wireless communication unit 1011 even, the second wireless communication unit 1012, memory element 1013 and Card Reader
Unit 1014.
First wireless communication unit 1011 is set up with the communication module and is wirelessly connected, it is preferred that institute
State radio connection and connect for bluetooth connection or WIFI, corresponding first wireless communication unit and
Communication module is bluetooth module or WIFI module.First wireless communication unit 1011 is used to receive institute
State the accounts information of the first gathering stored value card.Second wireless communication unit 1012 and the service process terminal
Set up it is wireless connect, second wireless communication unit is GSM, CDMA, 3G or 4G NE.
The memory element 1013 is used for the accounts information for storing the first gathering stored value card, when POS 101
Set up with the intelligent terminal 102 after being wirelessly connected, the memory element 1013 receives the intelligent terminal
The accounts information of 102 the first gathering stored value cards for sending, in case gathering is used after subsequent clients are swiped the card.The reading
Card unit 1014 is used for the consumption information for reading consumption stored value card.The consumption stored value card is held by client
The stored value card for paying POS master.The consumption stored value card is bank card or the credit card etc..
The card is magnetic stripe card or IC-card.
The POS card-punching system also includes the man-machine interaction list being connected with the primary processor 1010 respectively
Unit 1015 and display unit 1016, the man-machine interaction unit 1015 are at least used for the button of receives input
The money amount of money, the man-machine interaction unit 1015 are key-press input, touch-control input or voice-input unit etc.；
The display unit 1016 is used to show the deducted amount.The POS also includes bio-identification unit
1017, the bio-identification unit 1017 is connected with the primary processor 1010, for reading consumption storage
Client identity is confirmed after the consumption information of value card.The bio-identification unit can be fingerprint recognition list
Unit.
As shown in figure 3, which is the concrete knot of a better embodiment of service process terminal 103 shown in Fig. 1
Structure schematic diagram.The service process terminal 103 is bank settlement system, and which at least includes the first settlement center
1031 and second settlement center 1032, first settlement center 1031 and second wireless communication unit
1012 it is wireless connect, and receive the consumption information that second wireless communication unit 1012 is sent, described the
One settlement center 1031 carries out withholing always according to the consumption information and processes and the fund of withholing is handed to second
Settlement center 1032；The fund of withholing described in second settlement center 1032 pairs carries out gathering process, and will
The information for receiving to process is sent to the second wireless communication unit 1012.Preferably, first settlement center
The bank center being located for the consumption stored value card or Unionpay center；Second settlement center is received for first
Bank center or Mobile banking center that money stored value card is located.
Present embodiment provides the workflow of the POS system：The bank account control unit is extremely
The accounts information of a gathering stored value card is preserved less；The bank account control unit receives the account choosing of triggering
Instruction is selected, the account selection instruction is used to characterize from the first gathering stored value card account as collecting account；
First wireless communication unit receives the accounts information of the first gathering stored value card, and described first is received
The accounts information of money stored value card is stored in the memory element；The card reading unit reads disappearing for consumption stored value card
Charge information, second wireless communication unit send the consumption information to the service process terminal；Institute
State service process terminal carries out gathering process to the consumption information, and Receiving information is returned to described second
Wireless communication unit；The Receiving information is sent to the bank account control by first wireless communication unit
Unit processed, described sender formula are transmission in real time, to inform that spending amount is beaten by POS host and guest family in real time
Enter the first gathering stored value card.Due to withhold process and the process needs of collecting money of the service process terminal
Regular hour, the collection amount of the first gathering stored value card may be deferred to account.
In above-mentioned workflow, the service process terminal carries out gathering process to the consumption information, and will
The step of Receiving information returns to second wireless communication unit is specially：First settlement center receives
The consumption information that second wireless communication unit is sent, first settlement center is according to the consumption information
Carry out withholing and process and the fund of withholing is handed to into the second settlement center；Second settlement center is to the button
Money fund carries out gathering process, and the information for receiving to process is sent to the second wireless communication unit (real-time).
The fund of withholing is stored in first stored value card account (delay) by final second settlement center.
In the information processing method of the POS card-punching system in present embodiment, due to the POS
First wireless communication unit is set up with the communication module of the intelligent terminal and is wirelessly connected, the bank account control
Unit processed sets up data channel with first wireless communication module, thus Jing POSs master selectes gathering Stored Value
After card, the POS directly can obtain selected gathering stored value card account letter from the intelligent terminal
Breath.And as the bank account control unit can bind multiple gathering stored value cards, if POS master
Want to switch stored value card, you can select other gathering stored value cards and by the accounts information of the gathering stored value card again
It is sent to first wireless communication unit.Therefore the POS card-punching system that the present invention is provided is broken
POS can only bind the limitation of a gathering stored value card at present.Further, since the POS is straight
The selected stored value card account information of wireless receiving and storage is connect, thus without the need for buying POS in prior art
The step of personal information need to being provided during machine, therefore, POS card-punching system and its POS that the present invention is provided
Machine does not result in the leakage of personal information, safe and reliable.
The POS card-punching system for providing for the present invention above and the better embodiment of POS, can not
The restriction to rights protection scope of the present invention is interpreted as, those skilled in the art should know, is not being taken off
On the premise of present inventive concept, various improvement or replacement can be also done, all of grade is improved or replaced all
Should be in the scope of the present invention, i.e., the scope of the present invention with claim should be
It is accurate.
Claims (10)
1. a kind of POS card-punching system, which at least includes:Intelligent terminal, POS and Business Processing end
End；
The intelligent terminal at least includes bank account control unit and communication module, the bank account control
The accounts information of as specified gathering first gathering stored value card is preserved in unit at least；
The POS at least includes the first radio communication that primary processor and the primary processor are respectively connected with
Unit, the second wireless communication unit, memory element and card reading unit, first wireless communication unit and institute
State communication module and set up wireless connection, the memory element is used for the account for storing the first gathering stored value card
Information, the card reading unit are used for the consumption information for reading consumption stored value card, second wireless communication unit
Wirelessly it is connected for setting up with the service process terminal.
2. POS card-punching system as claimed in claim 1, it is characterised in that：First channel radio
Letter unit is that bluetooth connection or WIFI are connected with the radio connection of the communication module, corresponding institute
It is bluetooth module or WIFI module to state the first wireless communication unit and communication module；Second channel radio
Letter unit be GSM, CDMA, 3G or 4G NE.
3. POS card-punching system as claimed in claim 1, it is characterised in that：The bank account control
Unit processed is additionally operable to preserve the second gathering stored value card, the accounts information of the 3rd gathering stored value card.
4. POS card-punching system as claimed in claim 1, it is characterised in that：The Business Processing end
End includes the first settlement center and the second settlement center, first settlement center and second radio communication
Unit wireless connects, and first settlement center receives the consumption letter that second wireless communication unit is sent
Breath, first settlement center carry out withholing according to the consumption information and process and the fund of withholing is handed to the
Two settlement center；Second settlement center carries out gathering process to the fund of withholing, and acceptance is processed
Information be sent to the second wireless communication unit.
5. POS card-punching system as claimed in claim 4, it is characterised in that：In second clearing
The heart is additionally operable to for the fund of withholing to be stored in first stored value card account.
6. POS card-punching system as claimed in claim 1, it is characterised in that：The POS is swiped the card
System also includes man-machine interaction unit and the display unit being connected with the primary processor respectively, described man-machine
Interactive unit is at least used for the deducted amount of receives input, and the display unit is used to show the gold of withholing
Volume.
7. POS card-punching system as claimed in claim 3, it is characterised in that：The intelligent terminal is
Mobile phone or panel computer, the bank account control unit are application program of mobile phone or panel computer application
Program.
8. POS card-punching system as claimed in claim 1, it is characterised in that：The POS is also wrapped
Bio-identification unit is included, the bio-identification unit is connected with the primary processor, for reading consumption storage
Client identity is confirmed after the consumption information of value card.
9. a kind of POS, which is used to be set up with mobile terminal and service process terminal and is wirelessly connected, described
POS at least include the first wireless communication unit that primary processor and the primary processor be respectively connected with, the
Two wireless communication units, memory element and card reading unit, first wireless communication unit for intelligent end
The communication module at end sets up wireless connection, and the memory element is used for the accounts information for storing gathering stored value card,
The card reading unit be used for read consumption stored value card consumption information, second wireless communication unit for
The service process terminal sets up wireless connection.
10. POS as claimed in claim 9, it is characterised in that：The POS also include respectively with
Man-machine interaction unit, display unit and bio-identification unit that the primary processor connects, the man-machine friendship
Mutually unit is at least used for the deducted amount of receives input, and the display unit is used to show the deducted amount,
The bio-identification unit is confirmed to client identity after being used to read the consumption information for consuming stored value card.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510642011.4A CN106557918A (en) | 2015-09-30 | 2015-09-30 | A kind of POS card-punching system and its POS |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510642011.4A CN106557918A (en) | 2015-09-30 | 2015-09-30 | A kind of POS card-punching system and its POS |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106557918A true CN106557918A (en) | 2017-04-05 |
Family
ID=58417774
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510642011.4A Pending CN106557918A (en) | 2015-09-30 | 2015-09-30 | A kind of POS card-punching system and its POS |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106557918A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2019195963A1 (en) * | 2018-04-08 | 2019-10-17 | 深圳盒子信息科技有限公司 | Method for outputting payment-receiving information, and terminal |
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| CN1679057A (en) * | 2002-07-12 | 2005-10-05 | 欧洲免税购物有限公司 | Methods and systems for effecting payment card transactions |
| CN101751729A (en) * | 2008-12-03 | 2010-06-23 | 黄金富 | Unionpay card mobile phone payment system and payment method adopting USSD information |
| CN102376134A (en) * | 2010-08-24 | 2012-03-14 | 中兴通讯股份有限公司 | Point of sale (POS) machine, POS machine card-punching system and card-punching transaction method thereof |
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| WO2019195963A1 (en) * | 2018-04-08 | 2019-10-17 | 深圳盒子信息科技有限公司 | Method for outputting payment-receiving information, and terminal |
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Application publication date: 20170405 |