CN106558157B - A kind of POS machine card-punching system information processing method and intelligent terminal application program - Google Patents
A kind of POS machine card-punching system information processing method and intelligent terminal application program Download PDFInfo
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- CN106558157B CN106558157B CN201510641937.1A CN201510641937A CN106558157B CN 106558157 B CN106558157 B CN 106558157B CN 201510641937 A CN201510641937 A CN 201510641937A CN 106558157 B CN106558157 B CN 106558157B
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Abstract
The present invention relates to e-payment field more particularly to the information processing methods and intelligent terminal application program of a kind of POS machine card-punching system.It is at least included the following steps:The bank account control unit at least saves the account 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 account information of the first gathering stored value card, and the account information of the first gathering stored value card is stored in the storage unit；The card reading unit reads the consumption information of consumption stored value card, and the consumption information is sent to the service process terminal by second wireless communication unit；The service process terminal carries out gathering processing 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
Technical field
The present invention relates to e-payment field more particularly to a kind of information processing methods and intelligence of POS machine card-punching system
End application.
Background technique
With the development of economy, the form of business gradually changes and becomes increasingly prosperous, and has more and more professions wholesale
Market and sales field occur, and large quantities of self-employed businessman also occur.These self-employed businessman need in daily business management activity
A large amount of cash transaction, therefore, for can be carried around, can convenient transaction whenever and wherever possible POS machine terminal device have it is more wide
General demand.
POS machine is a kind of multi-functional terminal end, it is able to achieve electronic funds automatic account transfer and the clearing of account, and to commodity with
Media transaction provides data service and management function, uses safe and efficient, the deep favor by major trade company.
However, there are various disadvantages for current POS machine.On the one hand, the POS machine that trade company is possessed can only bind a bank
Card account perhaps needs to be required to appointed bank or POS machine sell when changing other bank card bindings if bank card is lost
Return home cancellation or change bank card account, bring many inconvenience to businessman；On the other hand, trade company needs when buying POS machine
A variety of personal informations, such as identity card, bank card copy etc. are submitted to POS machine seller or bank, be easy to make in this way
At individual privacy leakage or there are fund security hidden danger.
Summary of the invention
In view of this, the present invention provides and a kind of can be convenient switching bank card account and safe and reliable POS machine swipes the card and is
The information processing method and intelligent terminal application program of system.
In POS machine card-punching system information processing method provided by the invention, the POS machine card-punching system includes that intelligence is whole
End, POS machine and service process terminal；The intelligent terminal includes at least bank account control unit and communication module；The POS
Machine include at least primary processor, the first wireless communication unit being respectively connected with the primary processor, the second wireless communication unit,
Storage unit and card reading unit；The information processing method at least includes the following steps:The bank account control unit is at least
Save the account information of a gathering stored value card；The bank account control unit receives the account selection instruction of triggering, described
Account selection instruction selects the first gathering stored value card account as collecting account for characterizing；First wireless communication unit connects
The account information of the first gathering stored value card is received, and the account information of the first gathering stored value card is stored in the storage
Unit；The card reading unit reads the consumption information of consumption stored value card, and second wireless communication unit is by the consumption information
It is sent to the service process terminal；The service process terminal carries out gathering processing to the consumption information, and gathering is believed
Breath returns to second wireless communication unit；The Receiving information is sent to the bank by first wireless communication unit
Account control unit.
In POS machine card-punching system information processing method provided by the invention, receives and touch in the bank account control unit
Before the account selection instruction of hair, the step further includes：First wireless communication unit and the communication module establish nothing
Line connection.
In POS machine card-punching system information processing method provided by the invention, first wireless communication unit leads to described
The radio connection for believing module is bluetooth connection or WI F I connection, accordingly first wireless communication unit and communication
Module is bluetooth module or WI FI module；Second wireless communication unit is GSM, CDMA, 3G 4G network unit.
In POS machine card-punching system information processing method provided by the invention, the service process terminal includes the first clearing
Center and the second settlement center, first settlement center and second wireless communication unit are wirelessly connected, at the business
Reason terminal carries out gathering processing, and the step of Receiving information is returned to second wireless communication unit to the consumption information
Specially：First settlement center receives the consumption information that second wireless communication unit is sent, in first clearing
The heart carries out withholing processing and the fund of withholing is handed to the second settlement center according to the consumption information；Second settlement center
Gathering processing is carried out to the fund of withholing, and the information for receiving processing is sent to the second wireless communication unit.
In POS machine card-punching system information processing method provided by the invention, second settlement center is by the money of withholing
Gold is stored in first stored value card account.
In POS machine card-punching system information processing method provided by the invention, the POS machine card-punching system further include respectively with
The man-machine interaction unit and display unit of the primary processor connection read the consumption of consumption stored value card in the card reading unit
Before the step of information, the step further includes that the man-machine interaction unit at least receives the deducted amount of input, the display
Unit shows the deducted amount.
In POS machine card-punching system information processing method provided by the invention, the POS machine further includes bio-identification unit,
The bio-identification unit is connect with the primary processor, described after the step of reading the consumption information of consumption stored value card
Step further includes that the bio-identification unit confirms client identity.
In POS machine card-punching system information processing method provided by the invention, the intelligent terminal is mobile phone or plate electricity
Brain, the bank account control unit are a kind of application program of mobile phone or tablet computer application program.
The present invention also provides the intelligent terminal applications in a kind of information processing method for the above POS machine card-punching system
Program, the intelligent terminal application program include at least the bank account control unit, and the bank account control unit is used
In the account information for saving at least one gathering stored value card, and it is used to send selected gathering stored value card to the POS machine
Account information.
In another information processing method of POS machine card-punching system provided by the invention, the POS machine card-punching system includes
Intelligent terminal, POS machine and service process terminal；The intelligent terminal includes at least bank account control unit and communication module；
The first wireless communication unit, the second channel radio that the POS machine includes at least primary processor, is respectively connected with the primary processor
Believe unit, storage unit and card reading unit；The information processing method at least includes the following steps:The bank account control is single
Member saves the account information of the first gathering stored value card；First wireless communication unit obtains the account of the first gathering stored value card
Family information, and the account information of the first gathering stored value card is stored in the storage unit；The card reading unit reading disappears
Take the consumption information of stored value card, the consumption information is sent to the service process terminal by second wireless communication unit；
The service process terminal carries out gathering processing 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.
In the POS machine card-punching system information processing method, described first is obtained in first wireless communication unit and is received
Before the step of account information of money stored value card, the step further includes：First wireless communication unit and the communication mould
Block, which is established, to be wirelessly connected, and the acquisition modes are automatic obtain.
In the information processing method of POS machine card-punching system provided by the invention, due to the first wireless communication of the POS machine
The communication module of unit and the intelligent terminal, which is established, to be wirelessly connected, the bank account control unit and first channel radio
Letter module establishes data channel, thus after the selected gathering stored value card of POS machine master, and the POS machine can be directly from the intelligence
Selected gathering stored value card account information is obtained in terminal.And the bank account control unit can bind multiple gathering Stored Values
Card can select other gathering stored value cards and by the account information of the gathering stored value card if POS machine master wants to switch stored value card
It retransfers to first wireless communication unit.Therefore the POS machine card-punching system provided by the invention has broken current POS
Machine can only bind the limitation of a gathering stored value card.In addition, since the POS machine is that direct wireless receiving and storage are selected
Stored value card account information, because of the step of without in the prior art personal information need to be provided when buying POS machine, therefore, this
The POS machine card-punching system provided is provided and its POS machine not will cause the leakage of personal information, securely and reliably.
Detailed description of the invention
Present invention will be further explained below with reference to the attached drawings and examples, in attached drawing：
Fig. 1 is the structural schematic diagram of the POS machine card-punching system of a better embodiment provided by the invention；
Fig. 2 is the structural schematic diagram of the POS machine 101 of a better embodiment provided by the invention；
Fig. 3 is the concrete structure schematic diagram of a better embodiment of service process terminal 103 shown in Fig. 1；
Fig. 4 is that the process of the information processing method of the POS machine card-punching system of a better embodiment provided by the invention is shown
It is intended to；
Fig. 5 is the process of the information processing method of the POS machine card-punching system of another better embodiment provided by the invention
Schematic diagram.
Specific embodiment
The POS machine based on bank client provided to illustrate the invention, below in conjunction with Figure of description and explanatory note
It is described in detail.
In the description of the present invention, it should be noted that unless otherwise clearly defined and limited, term " connected " " connects
Connect " it shall be understood in a broad sense, it can be the electric connection inside two elements；It can be directly connected, intermediary can also be passed through
It is indirectly connected, for the ordinary skill in the art, can understand the concrete meaning of above-mentioned term as the case may be.
In addition, term " first ", " second " are used for descriptive purposes only and cannot be understood as indicating or suggesting relative importance or imply
Indicate the quantity of indicated technical characteristic." first " is defined as a result, the feature of " second " can be expressed or impliedly wrap
Include one or more of the features.
As shown in Figure 1, its structural schematic diagram for the POS machine card-punching system of a better embodiment provided by the invention,
It is included at least:POS machine 101, intelligent terminal 102 and service process terminal 103.
The intelligent terminal 102 includes at least bank account control unit and communication module, and the bank account control is single
The account information of a gathering stored value card is at least saved in member.The intelligent terminal is usually the intelligence that the POS machine master holds
Terminal, such as mobile phone or tablet computer can also be the intelligent terminal of other classifications certainly.The corresponding bank account control
Unit processed is application program of mobile phone (app) or tablet computer application program (app).The bank account control unit can be with
For saving the account information of multiple stored value cards such as the second gathering stored value card, third gathering stored value card.The i.e. described bank account control
Unit processed can be the application program of mobile phone of bank card in only one bank of management, such as Mobile banking of Bank of China application program
Deng, or while managing the application program of mobile phone of multiple bank cards.The first gathering stored value card, the second gathering Stored Value
The stored value cards such as card, third gathering stored value card are usually receiving bank's card or credit card of POS machine master etc..The card is magnetic stripe card
Or IC card.
As shown in Fig. 2, its structural schematic diagram for the POS machine 101 of a better embodiment provided by the invention, described
The first wireless communication unit that POS machine 101 includes at least primary processor 1010, is respectively connected with the primary processor 1010
1011, the second wireless communication unit 1012, storage unit 1013 and card reading unit 1014.
First wireless communication unit 1011 is established with the communication module to be wirelessly connected, it is preferred that described wirelessly to connect
Connecing mode is bluetooth connection or WIFI connection, corresponding first wireless communication unit and communication module for bluetooth module or
Person's WIFI module.First wireless communication unit 1011 is used to receive the account information of the first gathering stored value card.Second
Wireless communication unit 1012 and the service process terminal, which are established, to be wirelessly connected, and second wireless communication unit is GSM,
CDMA, 3G or 4G network unit.The storage unit 1013 is used to store the account information of the first gathering stored value card, when
After POS machine 101 and the intelligent terminal 102 establish wireless connection, the storage unit 1013 receives the intelligent terminal 102 and sends out
The account information of the first gathering stored value card sent, is used in case subsequent clients are collected money after swiping the card.The card reading unit 1014 is for reading
The consumption information of cancellation fee stored value card.The stored value card for being used to pay POS machine master that the consumption stored value card is held by client.
The consumption stored value card is bank card or credit card etc..The card is magnetic stripe card or IC card.
The POS machine card-punching system further include the man-machine interaction unit 1015 that is connect respectively with the primary processor 1010 with
And display unit 1016, the deducted amount at least for receiving input of man-machine interaction unit 1015, the human-computer interaction list
Member 1015 is key-press input, touch-control input or voice-input unit etc.；The display unit 1016 is for showing described withhold
The amount of money.The POS machine further includes bio-identification unit 1017, and the bio-identification unit 1017 connects with the primary processor 1010
It connects, for confirming after the consumption information for reading consumption stored value card to client identity.The bio-identification unit can be
Fingerprint identification unit.
As shown in figure 3, its concrete structure schematic diagram for a better embodiment of service process terminal 103 shown in Fig. 1.
The service process terminal 103 is bank settlement system, includes at least the first settlement center 1031 and the second settlement center
1032, first settlement center 1031 is wirelessly connected with second wireless communication unit 1012, and receives second nothing
The consumption information that line communication unit 1012 is sent, first settlement center 1031 carry out processing of withholing according to the consumption information
And the fund of withholing is handed into the second settlement center 1032；Second settlement center 1032 collects money to the fund of withholing
Processing, and the information for receiving processing is sent to the second wireless communication unit 1012.Preferably, first settlement center is institute
State the bank center where consuming stored value card or unionpay center；Second settlement center is where the first gathering stored value card
Bank center or Mobile banking center.
As shown, its information processing method for the POS machine card-punching system of a better embodiment provided by the invention
Flow diagram.The information processing method at least includes the following steps：
Step S01：The bank account control unit at least saves the account information of a gathering stored value card.
The bank account control unit in present embodiment is while managing the application program of mobile phone of multiple bank cards,
It can be used for saving the account information of multiple gathering stored value cards, for the main selection of POS machine.
Step S02：The bank account control unit receives the account selection instruction of triggering, and the account selection instruction is used
Select the first gathering stored value card account as collecting account in characterization.
The triggering work defines the collecting account of selection by using the user (generally POS machine master) of POS machine to complete
For the first gathering stored value card account.In present embodiment, after the step S01, before step S02, the step is also wrapped
It includes：First wireless communication unit and the communication module, which are established, to be wirelessly connected.In another embodiment, described first
Wireless communication unit and the communication module establish wireless connection can be before step S01.First wireless communication unit with
The radio connection of the communication module is bluetooth connection or WIFI connection, corresponding first wireless communication unit with
Communication module is bluetooth module or WIFI module.
Step S03：First wireless communication unit receives the account information of the first gathering stored value card, and will be described
The account information of first gathering stored value card is stored in the storage unit.
Step S04：The card reading unit reads the consumption information of consumption stored value card, and second wireless communication unit is by institute
It states consumption information and is sent to the service process terminal.Second wireless communication unit is GSM, CDMA, 3G 4G network
Unit.
In present embodiment, the POS machine card-punching system further includes the human-computer interaction connecting respectively with the primary processor
Unit and display unit, before the step S04, the step further includes that the man-machine interaction unit at least receives defeated
The deducted amount entered, the display unit show the deducted amount.
In present embodiment, the POS machine further includes bio-identification unit, the bio-identification unit and the main process task
Device connection, after the step S04, the step further includes that the bio-identification unit confirms client identity.
Step S05：The service process terminal carries out gathering processing to the consumption information, and Receiving information is returned to
Second wireless communication unit.
The service process terminal include the first settlement center and the second settlement center, first settlement center with it is described
Second wireless communication unit is wirelessly connected, and the service process terminal carries out gathering processing to the consumption information, and will gathering
Information returns to the step of second wireless communication unit and is specially：First settlement center receives second channel radio
The consumption information that letter unit is sent, first settlement center carry out withhold processing and the fund that will withhold according to the consumption information
Hand to the second settlement center；Second settlement center carries out gathering processing to the fund of withholing, and will receive processing
Information is sent to the second wireless communication unit.
Step S06：The Receiving information is sent to the bank account control unit by first wireless communication unit.
Described sender formula is to send in real time, to inform that spending amount has been squeezed into the first gathering Stored Value by POS machine host and guest family in real time
Card.
In present embodiment, the step further includes, and second settlement center is by the fund deposit of withholing described the
One stored value card account.Due to the service process terminal withhold processing and gathering processing need the regular hour, first receive
The collection amount (fund of withholing) of money stored value card may be deferred to account.
In addition, present embodiment additionally provides the intelligence in a kind of information processing method for the above POS machine card-punching system
Energy end application, the intelligent terminal application program include at least the bank account control unit, the bank account
Control unit be used for save at least one gathering stored value card account information, and its be used for the POS machine send it is selected
The account information of gathering stored value card.
As shown in figure 5, its information processing side for the POS machine card-punching system of another better embodiment provided by the invention
The flow diagram of method.The information processing method at least includes the following steps：
Step S11：The bank account control unit saves the account information of the first gathering stored value card.
In present embodiment, the bank account control unit is only to manage the mobile phone application journey of bank card in a bank
Sequence, such as Mobile banking of Bank of China application program etc..
Step S12：First wireless communication unit obtains the account information of the first gathering stored value card, and will be described
The account information of first gathering stored value card is stored in the storage unit.
In present embodiment, before the step S02, the step further includes：First wireless communication unit with
The communication module, which is established, to be wirelessly connected, it is preferred that the acquisition modes are automatic obtain.
Step S13：The card reading unit reads the consumption information of consumption stored value card, and second wireless communication unit is by institute
It states consumption information and is sent to the service process terminal.
Step S14：The service process terminal carries out gathering processing to the consumption information, and Receiving information is returned to
Second wireless communication unit.
Step S15：The Receiving information is sent to the bank account control unit by first wireless communication unit.
In the information processing method of POS machine card-punching system in present embodiment, due to the first channel radio of the POS machine
Believe that the communication module of unit and the intelligent terminal establishes wireless connection, the bank account control unit is wireless with described first
Communication module establishes data channel, thus after the selected gathering stored value card of POS machine master, and the POS machine can be directly from the intelligence
Selected gathering stored value card account information can be obtained in terminal.And since the bank account control unit can bind multiple receipts
Money stored value card can select other gathering stored value cards and by the account of the gathering stored value card if POS machine master wants to switch stored value card
Family information retransfers to first wireless communication unit.Therefore the POS machine card-punching system provided by the invention is broken
POS machine can only bind the limitation of a gathering stored value card at present.In addition, since the POS machine is direct wireless receiving and is deposited
Selected stored value card account information is stored up, because of the step of without in the prior art personal information need to be provided when buying POS machine,
Therefore, POS machine card-punching system and its POS machine provided by the invention not will cause the leakage of personal information, securely and reliably.
The above are POS machine card-punching system information processing method provided by the invention and the preferable realities of intelligent terminal application program
Mode is applied, the limitation to rights protection scope of the present invention can not be interpreted as, those skilled in the art should know, not take off
Under the premise of from present inventive concept, a variety of improvement or replacement can be also done, all equal improvement or replacement all should be in the present invention
Rights protection scope in, i.e., the scope of the present invention should be subject to the claims.
Claims (11)
1. a kind of information processing method of POS machine card-punching system, the POS machine card-punching system include intelligent terminal, POS machine and industry
Business processing terminal；The intelligent terminal includes at least bank account control unit and communication module；The POS machine includes at least master
Processor, the first wireless communication unit, the second wireless communication unit, storage unit and the reading being respectively connected with the primary processor
Card unit；The information processing method at least includes the following steps:
The bank account control unit at least saves the account information of a gathering stored value card；
The bank account control unit receives the account selection instruction of triggering, and the account selection instruction selects for characterizing
One gathering stored value card account is as collecting account；
First wireless communication unit receive it is described first gathering stored value card account information, and will it is described first collect money Stored Value
The account information of card is stored in the storage unit；
The card reading unit reads the consumption information of consumption stored value card, and second wireless communication unit sends out the consumption information
It send to the service process terminal；
The service process terminal carries out gathering processing to the consumption information, and Receiving information is returned to described second wirelessly
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 machine card-punching system as described in claim 1, it is characterised in that：In the bank account
Before control unit receives the account selection instruction of triggering, the step further includes：First wireless communication unit with it is described
Communication module, which is established, to be wirelessly connected.
3. the information processing method of POS machine card-punching system as described in claim 1, it is characterised in that：First channel radio
Letter unit is that bluetooth connection or WI FI are connect with the radio connection of the communication module, and corresponding described first is wireless
Communication unit and communication module are bluetooth module or WI FI module；Second wireless communication unit be GSM, CDMA, 3G or
Person's 4G network unit.
4. the information processing method of POS machine card-punching system as described in claim 1, it is characterised in that：The business processing is whole
End includes the first settlement center and the second settlement center, and first settlement center wirelessly connects with second wireless communication unit
It connects, the service process terminal carries out gathering processing to the consumption information, and Receiving information is returned to described second wirelessly
The step of communication unit is specially：First settlement center receives the consumption information that second wireless communication unit is sent,
First settlement center carries out withholing processing and the fund of withholing is handed to the second settlement center according to the consumption information；Institute
It states the second settlement center and gathering processing is carried out to the fund of withholing, and the information for receiving processing is sent to the second wireless communication
Unit.
5. the information processing method of POS machine card-punching system as claimed in claim 4, it is characterised in that：The step further includes,
The fund of withholing is stored in the first gathering stored value card account by second settlement center.
6. the information processing method of POS machine card-punching system as described in claim 1, it is characterised in that：The POS machine, which is swiped the card, is
System further includes the man-machine interaction unit and display unit connecting respectively with the primary processor, is disappeared in card reading unit reading
Before the step of taking the consumption information of stored value card, the step further includes that the man-machine interaction unit at least receives the button of input
The money amount of money, the display unit show the deducted amount.
7. the information processing method of POS machine card-punching system as described in claim 1, it is characterised in that：The POS machine further includes
Bio-identification unit, the bio-identification unit are connect with the primary processor, are reading the consumption information of consumption stored value card
After step, the step further includes that the bio-identification unit confirms client identity.
8. the information processing method of POS machine card-punching system as described in claim 1, it is characterised in that：The intelligent terminal is
Perhaps the tablet computer bank account control unit is a kind of application program of mobile phone or tablet computer application program to mobile phone.
9. the intelligent terminal in a kind of information processing method for the POS machine card-punching system of any one of such as claim 1-8 is answered
With program, it is characterised in that：The intelligent terminal application program includes at least the bank account control unit, bank's account
Family control unit is used to save the account information of at least one gathering stored value card, and it is used to send to the POS machine and select
Gathering stored value card account information.
10. a kind of information processing method of POS machine card-punching system, the POS machine card-punching system include intelligent terminal, POS machine and
Service process terminal；The intelligent terminal includes at least bank account control unit and communication module；The POS machine includes at least
Primary processor, the first wireless communication unit being respectively connected with the primary processor, the second wireless communication unit, storage unit and
Card reading unit；The information processing method at least includes the following steps:
The bank account control unit saves the account information of the first gathering stored value card；
First wireless communication unit obtain it is described first gathering stored value card account information, and will it is described first collect money Stored Value
The account information of card is stored in the storage unit；
The card reading unit reads the consumption information of consumption stored value card, and second wireless communication unit sends out the consumption information
It send to the service process terminal；
The service process terminal carries out gathering processing to the consumption information, and Receiving information is returned to described second wirelessly
Communication unit；
The Receiving information is sent to the bank account control unit by first wireless communication unit.
11. the information processing method of POS machine card-punching system as claimed in claim 10, it is characterised in that：In first nothing
Before line communication unit obtains the step of account information of the first gathering stored value card, the step further includes：Described first
Wireless communication unit and the communication module, which are established, to be wirelessly connected, and the acquisition modes are automatic obtain.
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| CN201510641937.1A CN106558157B (en) | 2015-09-30 | 2015-09-30 | A kind of POS machine card-punching system information processing method and intelligent terminal application program |
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| CN107622392A (en) * | 2017-09-30 | 2018-01-23 | 北京神州安付科技有限公司 | A kind of Portable movable cCredit card payment terminal and its method of payment |
| 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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| CN102855562A (en) * | 2012-09-11 | 2013-01-02 | 守望者科技（北京）有限公司 | NFC (near field communication) mobile terminal and payment method |
| CN103942677A (en) * | 2014-03-06 | 2014-07-23 | 北京钱袋宝支付技术有限公司 | Transaction payment method and system, and POS machine |
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