CN106558157A - A kind of POS card-punching system information processing method and intelligent terminal's application program - Google Patents

A kind of POS card-punching system information processing method and intelligent terminal's application program Download PDF

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Publication number
CN106558157A
CN106558157A CN201510641937.1A CN201510641937A CN106558157A CN 106558157 A CN106558157 A CN 106558157A CN 201510641937 A CN201510641937 A CN 201510641937A CN 106558157 A CN106558157 A CN 106558157A
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card
information
pos
wireless communication
communication unit
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CN201510641937.1A
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CN106558157B (en
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陈胜奇
陈珊
蔡金生
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SHENZHEN TTK TECHNOLOGY Co Ltd
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SHENZHEN TTK TECHNOLOGY Co Ltd
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Abstract

The present invention relates to pay field by mails, more particularly to a kind of information processing method and intelligent terminal's application program of POS card-punching system.Which at least comprises the following steps:The bank account control unit at least preserves the accounts information of a gathering stored value card;The bank account control unit receives the account selection instruction of triggering;First wireless communication unit receives the accounts information of the first gathering stored value card, and the accounts information of the described first gathering stored value card is stored in the memory element;The card reading unit reads the consumption information of consumption stored value card, and second wireless communication unit sends the consumption information to the service process terminal;The service process terminal carries out gathering process to the consumption information, and Receiving information is returned to second wireless communication unit;The Receiving information is sent to the bank account control unit by first wireless communication unit.

Description

A kind of POS card-punching system information processing method and intelligent terminal's application program
Technical field
The present invention relates to pay field by mails, more particularly to a kind of information processing side of POS card-punching system Method and intelligent terminal's application program.
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 The information processing method and intelligent terminal's application program of machine card-punching system.
In the POS card-punching system information processing method that the present invention is provided, the POS card-punching system bag Include intelligent terminal, POS and service process terminal;The intelligent terminal at least includes that bank account control is single Unit and communication module;The POS at least includes what primary processor and the primary processor were respectively connected with First wireless communication unit, the second wireless communication unit, memory element and card reading unit;Described information process Method is at least comprised the following steps:The bank account control unit at least preserves the account of a gathering stored value card Family information;The bank account control unit receives the account selection instruction of triggering, the account selection instruction For characterizing from the first gathering stored value card account as collecting account;First wireless communication unit is received The accounts information of the first gathering stored value card, and the accounts information of the described first gathering stored value card is stored in The memory element;The card reading unit reads the consumption information of consumption stored value card, second radio communication Unit sends the consumption information to the service process terminal;The service process terminal is to the consumption Information carries out gathering process, and Receiving information is returned to second wireless communication unit;First nothing The Receiving information is sent to the bank account control unit by line communication unit.
It is in the POS card-punching system information processing method that the present invention is provided, single in bank account control Before unit receives the account selection instruction of triggering, the step also includes:First wireless communication unit with The communication module sets up wireless connection.
In the POS card-punching system information processing method that the present invention is provided, first wireless communication unit It is that bluetooth connection or WI F I are connected with the radio connection of the communication module, corresponding described first Wireless communication unit and communication module are bluetooth module or WI FI modules;Second wireless communication unit For GSM, CDMA, 3G or 4G NE.
In the POS card-punching system information processing method that the present invention is provided, the service process terminal includes First settlement center and the second settlement center, first settlement center and second wireless communication unit without Line connects, and the service process terminal carries out gathering process to the consumption information, and Receiving information is returned The step of to second wireless communication unit, is specially:It is wireless that first settlement center receives described second The consumption information that communication unit is sent, first settlement center carry out process of withholing according to the consumption information And the fund of withholing is handed to into the second settlement center;Second settlement center is received to the fund of withholing Money process, and the information for receiving to process is sent to into the second wireless communication unit.
In the POS card-punching system information processing method that the present invention is provided, second settlement center is by institute State the fund of withholing and be stored in first stored value card account.
In the POS card-punching system information processing method that the present invention is provided, the POS card-punching system is also Including the man-machine interaction unit and display unit that are connected with the primary processor respectively, in the card reading unit Before the step of reading the consumption information of consumption stored value card, the step also includes, the man-machine interaction unit At least deducted amount of receives input, the display unit show the deducted amount.
In the POS card-punching system information processing method that the present invention is provided, the POS also includes biology Recognition unit, the bio-identification unit are connected with the primary processor, in the consumption for reading consumption stored value card After the step of information, the step also includes, the bio-identification unit is confirmed to client identity.
The present invention provide POS card-punching system information processing method in, the intelligent terminal be mobile phone or Person's panel computer, the bank account control unit are a kind of application program of mobile phone or panel computer application journey Sequence.
Present invention also offers the intelligence in a kind of information processing method for above POS card-punching system End application, intelligent terminal's application program at least include the bank account control unit, described Bank account control unit is used to preserving at least one accounts information for collecting money stored value card, and which is used for described POS sends the accounts information of selected gathering stored value card.
In another kind of information processing method of the POS card-punching system that the present invention is provided, the POS brush Card system includes intelligent terminal, POS and service process terminal;The intelligent terminal at least includes bank's account Family control unit and communication module;The POS at least includes primary processor and the primary processor point Not Xiang Lian the first wireless communication unit, the second wireless communication unit, memory element and card reading unit;It is described Information processing method is at least comprised the following steps:The bank account control unit preserves the first gathering stored value card Accounts information;First wireless communication unit obtains the accounts information of the first gathering stored value card, and The accounts information of the described first gathering stored value card is stored in into the memory element;The card reading unit reads and disappears Take the consumption information of stored value card, second wireless communication unit sends the consumption information to the business Processing terminal;The service process terminal carries out gathering process to the consumption information, and Receiving information is returned Back to second wireless communication unit;The Receiving information is sent to institute by first wireless communication unit State bank account control unit.
In the POS card-punching system information processing method, institute is obtained in first wireless communication unit Before the step of stating the accounts information of the first gathering stored value card, the step also includes:First channel radio Letter unit is set up with the communication module and is wirelessly connected, and the acquisition modes are acquisition automatically.
In the information processing method of the POS card-punching system that the present invention is provided, due to the of the POS One wireless communication unit is set up with the communication module of the intelligent terminal and is wirelessly connected, the bank account control Unit sets up data channel with first wireless communication module, thus Jing POSs master selectes gathering stored value card Afterwards, the POS directly can obtain selected gathering stored value card account information from the intelligent terminal. And the bank account control unit can bind multiple gathering stored value cards, if POS master thinks switching storage Value card, you can select other gathering stored value cards and the accounts information of the gathering stored value card retransfers to institute State the first wireless communication unit.Therefore the POS card-punching system that the present invention is provided has broken current POS Machine can only bind the limitation of a gathering stored value card.Further, since the POS is directly wirelessly to connect Selected stored value card account information is received and stores, thus without the need for needing when POS is bought in prior art The step of personal information is provided, therefore, the POS card-punching system and its POS that the present invention is provided will not The leakage of personal information is caused, it is 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;
The information processing method of the POS card-punching system of the better embodiment that Fig. 4 is provided for the present invention Schematic flow sheet;
The information processing method of the POS card-punching system of another better embodiment that Fig. 5 is provided for the present invention Schematic flow sheet.
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 a gathering stored value card is preserved in control unit at least.The intelligent terminal is usually described The hand-held intelligent terminal of POS master, such as mobile phone or panel computer can also be other classifications certainly Intelligent terminal.The corresponding bank account control unit is application program of mobile phone (app) or flat board electricity Brain application program (app).The bank account control unit can be also used for preserve second collect money stored value card, The accounts information of multiple stored value cards such as the 3rd gathering stored value card.I.e. described bank account control unit can be for only The application program of mobile phone of bank card in one bank of management, such as Mobile banking of Bank of China application program etc., It can also be the application program of mobile phone for managing multiple bank cards simultaneously.The first gathering stored value card, second are received The stored value cards such as money stored value card, the 3rd gathering stored value card are usually receiving bank's card or credit of POS master Card etc..The card is magnetic stripe card or IC-card.
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 according to the consumption information and processes and the fund of withholing is handed to the second knot Calculation center 1032;The fund of withholing described in second settlement center 1032 pairs carries out gathering process, and will connect The information being subject to processing is sent to the second wireless communication unit 1012.Preferably, first settlement center is Bank center or Unionpay center that the consumption stored value card is located;Second settlement center is the first gathering Bank center or Mobile banking center that stored value card is located.
As illustrated, at the information of the POS card-punching system of its better embodiment provided for the present invention The schematic flow sheet of reason method.Described information processing method is at least comprised the following steps:
Step S01:The bank account control unit at least preserves the accounts information of a gathering stored value card.
The bank account control unit in present embodiment is while the mobile phone for managing multiple bank cards should With program, can be used to preserve the accounts information of multiple gathering stored value cards, for the main selection of POS.
Step S02:The bank account control unit receives the account selection instruction of triggering, the account choosing Instruction is selected for characterizing from the first gathering stored value card account as collecting account.
The triggering work is completed by the user (generally POS master) using POS, and defines selection Collecting account be first gathering stored value card account.In present embodiment, after step S01, step Before rapid S02, the step also includes:First wireless communication unit sets up nothing with the communication module Line connects.In another embodiment, first wireless communication unit sets up nothing with the communication module Line connection can be before step S01.The wireless connection of first wireless communication unit and the communication module Mode is that bluetooth connection or WIFI connect, and corresponding first wireless communication unit and communication module are Bluetooth module or WIFI module.
Step S03:First wireless communication unit receives the accounts information of the first gathering stored value card, And the accounts information of the described first gathering stored value card is stored in into the memory element.
Step S04:The card reading unit reads the consumption information of consumption stored value card, second radio communication Unit sends the consumption information to the service process terminal.Second wireless communication unit is GSM, CDMA, 3G or 4G NE.
In present embodiment, the POS card-punching system also includes what is be connected with the primary processor respectively Man-machine interaction unit and display unit, before step S04, the step also includes, the people The deducted amount of machine interactive unit at least receives input, the display unit show the deducted amount.
In present embodiment, the POS also include bio-identification unit, the bio-identification unit with The primary processor connection, after step S04, the step also includes, the bio-identification list Unit is confirmed to client identity.
Step S05:The service process terminal carries out gathering process to the consumption information, and gathering is believed Breath returns to second wireless communication unit.
The service process terminal includes the first settlement center and the second settlement center, first settlement center Wirelessly it is connected with second wireless communication unit, the service process terminal is received to the consumption information Money process, and be specially the step of Receiving information is returned to second wireless communication unit:Described first Settlement center receives the consumption information that second wireless communication unit is sent, first settlement center according to The consumption information carries out withholing and processes and the fund of withholing is handed to the second settlement center;Second clearing Center carries out gathering process to the fund of withholing, and the information for receiving to process is sent to the second radio communication Unit.
Step S06:The Receiving information is sent to the bank account control by first wireless communication unit Unit processed.Described sender formula is 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.
In present embodiment, the step also includes, the fund of withholing is stored in by second settlement center First stored value card account.Due to withhold process and the process needs one of collecting money of the service process terminal Fixed time, the collection amount (fund of withholing) of the first gathering stored value card may be deferred to account.
Additionally, present embodiment additionally provides a kind of information processing side for above POS card-punching system Intelligent terminal's application program in method, intelligent terminal's application program are at least controlled including the bank account Unit, the bank account control unit are used for the accounts information for preserving at least one gathering stored value card, and its For the accounts information of selected gathering stored value card is sent to the POS.
As shown in figure 5, the letter of the POS card-punching system of its another better embodiment provided for the present invention The schematic flow sheet of breath processing method.Described information processing method is at least comprised the following steps:
Step S11:The bank account control unit preserves the accounts information of the first gathering stored value card.
In present embodiment, the bank account control unit is the mobile phone for only managing bank card in a bank Application program, such as Mobile banking of Bank of China application program etc..
Step S12:First wireless communication unit obtains the accounts information of the first gathering stored value card, And the accounts information of the described first gathering stored value card is stored in into the memory element.
In present embodiment, before step S02, the step also includes:First channel radio Letter unit is set up with the communication module and is wirelessly connected, it is preferred that the acquisition modes are acquisition automatically.
Step S13:The card reading unit reads the consumption information of consumption stored value card, second radio communication Unit sends the consumption information to the service process terminal.
Step S14:The service process terminal carries out gathering process to the consumption information, and gathering is believed Breath returns to second wireless communication unit.
Step S15:The Receiving information is sent to the bank account control by first wireless communication unit Unit processed.
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 information processing method for providing for the present invention above and intelligent terminal's application program Better embodiment, the restriction to rights protection scope of the present invention, the skill of this area can not be interpreted as Art personnel should know, without departing from the inventive concept of the premise, can also do various improvement or replacement, The all of grade is improved or replaced all should be in the scope of the present invention, i.e., right of the invention Protection domain should be defined by claim.

Claims (11)

1. a kind of information processing method of POS card-punching system, the POS card-punching system include intelligence Terminal, POS and service process terminal;The intelligent terminal at least includes bank account control unit and leads to Letter module;It is first wireless that the POS at least includes that primary processor and the primary processor are respectively connected with Communication unit, the second wireless communication unit, memory element and card reading unit;Described information processing method is at least Comprise the following steps:
The bank account control unit at least preserves the accounts information of a gathering stored value card;
The bank account control unit receives the account selection instruction of triggering, and the account selection instruction is used for 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 by described the The accounts information of one gathering stored value card is stored in the memory element;
The card reading unit reads the consumption information of consumption stored value card, and second wireless communication unit will be described Consumption information is sent to the service process terminal;
The service process terminal carries out gathering process to the consumption information, and Receiving information is returned to institute State the second wireless communication unit;
The Receiving information is sent to the bank account control unit by first wireless communication unit.
2. the information processing method of POS card-punching system as claimed in claim 1, it is characterised in that: Before the account selection instruction that the bank account control unit receives triggering, the step also includes:Institute State the first wireless communication unit and set up with the communication module and be wirelessly connected.
3. the information processing method of POS card-punching system as claimed in claim 1, it is characterised in that: First wireless communication unit is bluetooth connection or WIFI with the radio connection of the communication module Connection, corresponding first wireless communication unit and communication module are bluetooth module or WIFI module; Second wireless communication unit be GSM, CDMA, 3G or 4G NE.
4. the information processing method of POS card-punching system as claimed in claim 1, it is characterised in that: The service process terminal includes the first settlement center and the second settlement center, first settlement center and institute State the second wireless communication unit wirelessly to connect, the service process terminal carries out cash desk to the consumption information The step of managing, and Receiving information is returned to second wireless communication unit is specially:First clearing Center receives the consumption information that second wireless communication unit is sent, and first settlement center is according to described Consumption information carries out withholing and processes and the fund of withholing is handed to the second settlement center;Second settlement center Gathering process is carried out to the fund of withholing, and the information for receiving to process is sent to into the second radio communication list Unit.
5. the information processing method of POS card-punching system as claimed in claim 4, it is characterised in that: The step also includes that the fund of withholing is stored in the first stored value card account by second settlement center Family.
6. the information processing method of POS card-punching system as claimed in claim 1, it is characterised in that: The POS card-punching system is also included the man-machine interaction unit being connected with the primary processor respectively and is shown Show unit, before the step of card reading unit reads the consumption information of consumption stored value card, the step is also Including the deducted amount of the man-machine interaction unit at least receives input, the display unit show the button The money amount of money.
7. the information processing method of POS card-punching system as claimed in claim 1, it is characterised in that: The POS also includes bio-identification unit, and the bio-identification unit is connected with the primary processor, After the step of reading the consumption information of consumption stored value card, the step also includes, the bio-identification unit Client identity is confirmed.
8. the information processing method of POS card-punching system as claimed in claim 1, it is characterised in that: The intelligent terminal is mobile phone or panel computer, and the bank account control unit is a kind of mobile phone application journey Sequence or panel computer application program.
9. in a kind of information processing method of the POS card-punching system for such as any one of claim 1-8 Intelligent terminal's application program, it is characterised in that:Intelligent terminal's application program at least includes the bank Account control unit, the bank account control unit are used for the account letter for preserving at least one gathering stored value card Breath, and which is used for the accounts information to the selected gathering stored value card of POS transmission.
10. a kind of information processing method of POS card-punching system, the POS card-punching system include intelligence Can terminal, POS and service process terminal;The intelligent terminal at least include bank account control unit and Communication module;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;Described information processing method is extremely Comprise the following steps less:
The bank account control unit preserves the accounts information of the first gathering stored value card;
First wireless communication unit obtains the accounts information of the first gathering stored value card, and by described the The accounts information of one gathering stored value card is stored in the memory element;
The card reading unit reads the consumption information of consumption stored value card, and second wireless communication unit will be described Consumption information is sent to the service process terminal;
The service process terminal carries out gathering process to the consumption information, and Receiving information is returned to institute State the second wireless communication unit;
The Receiving information is sent to the bank account control unit by first wireless communication unit.
The information processing method of 11. POS card-punching system as claimed in claim 10, it is characterised in that: Before the step of first wireless communication unit obtains the accounts information of the first gathering stored value card, institute Stating step also includes:First wireless communication unit is set up with the communication module and is wirelessly connected, described to obtain Mode is taken for acquisition automatically.
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CN107633597A (en) * 2017-09-30 2018-01-26 北京神州安付科技有限公司 A kind of compound cCredit card payment terminal and its method of payment based on intelligent terminal
CN109637058A (en) * 2018-12-21 2019-04-16 深圳市新国都支付技术有限公司 A kind of POS terminal, POS terminal communication system and POS terminal communication means

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