CN108197690A - payment card, billing system and billing method - Google Patents
payment card, billing system and billing method Download PDFInfo
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- CN108197690A CN108197690A CN201711459159.XA CN201711459159A CN108197690A CN 108197690 A CN108197690 A CN 108197690A CN 201711459159 A CN201711459159 A CN 201711459159A CN 108197690 A CN108197690 A CN 108197690A
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- 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
- G06Q30/00—Commerce
- G06Q30/04—Billing or invoicing
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/073—Special arrangements for circuits, e.g. for protecting identification code in memory
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G06Q20/3415—Cards acting autonomously as pay-media
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- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- General Physics & Mathematics (AREA)
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- Accounting & Taxation (AREA)
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Abstract
The present invention provides the billing system and billing method of a kind of Payment Card, invoice, the Payment Card includes card body, encryption chip is provided in card body, payment information is stored on encryption chip, encryption chip is electrically connected with communication module, wherein, card body is additionally provided with value-added tax information storage module, the VAT invoice that value-added tax information storage module is stored with Payment Card holder is made out an invoice information, and information of making out an invoice includes Payment Card holder title, Taxpayer Identification Number, the address of Payment Card holder, telephone number, the bank of deposit and account information.For the billing system for issuing VAT invoice to the payment fund of above-mentioned Payment Card, which is the method to be issued invoice using the billing system.The present invention can improve the efficiency for issuing VAT invoice, and reduce the error rate made out an invoice.
Description
Technical field
The present invention relates to field of intelligent cards more particularly to there is the Payment Card of payment function and use this Payment Card
Billing system, using the billing system realize billing method.
Background technology
Present people are paid, such as sent out using bank in shopping process commonly using various Payment Cards
Capable debit card, credit card etc. are paid.Existing Payment Card is provided with encryption chip in card body mostly, in encryption chip
It is stored with the information such as payment cardholder information, account information and remaining sum.
People are after shopping, it usually needs issue invoice, such as VAT invoice.It is special due to issuing value-added tax
During with invoice, need to fill in such as requestee's Business Name, Taxpayer Identification Number, address, phone, the bank of deposit and account information
Deng however, filling in for these information often needs businessman to be manually entered in tax system, it is low and easy to manually enter efficiency
Error.On the other hand, since during the scene purchase commodity such as supermarket, sometimes procurement staff may not remember Chu and make out an invoice letter
Breath, also brings certain trouble for issuing for VAT invoice.
Invention content
The first object of the present invention, which is to provide, a kind of facilitates requestee and businessman to issue the Payment Card of value added invoice.
The second object of the present invention is to provide a kind of billing system for reducing businessman and issuing value added invoice error rate.
The third object of the present invention is to provide a kind of billing method that businessman is facilitated to issue value added invoice.
In order to realize above-mentioned main purpose, Payment Card provided by the invention includes card body, encryption core is provided in card body
Piece is stored with payment information on encryption chip, and encryption chip is electrically connected with communication module, wherein, card body is additionally provided with value-added tax
Information storage module, the VAT invoice that value-added tax information storage module is stored with Payment Card holder are made out an invoice information, letter of making out an invoice
Breath includes Payment Card holder title, Taxpayer Identification Number, the address of Payment Card holder, telephone number, the bank of deposit and account
Number information.
Preferable scheme is that value-added tax information storage module is provided with memory to be arranged in encryption chip, memory
File of making out an invoice is stored with, file of making out an invoice includes information of making out an invoice；Information of making out an invoice including first make out an invoice information, second make out an invoice information,
Third, which is made out an invoice, information and the 4th makes out an invoice information, and the first information of making out an invoice includes the information of Payment Card holder's title, and second makes out an invoice
Information includes the information of Taxpayer Identification Number, and third information of making out an invoice includes the address of Payment Card holder and the letter of telephone number
Breath, the 4th make out an invoice information include the bank of deposit and account information.
Further embodiment is, each information of making out an invoice includes the information of label and information value of making out an invoice, letter of making out an invoice
Breath numerical value is stored in the form of ASCII character.
Further embodiment is to make out an invoice information when being written to Payment Card, selects the main security domain of Payment Card, and obtaining installation should
With the permission of program, and specified initial authentication key；Random number is sent to Payment Card, random number is carried out using authentication key
Computations obtain ciphertext data, file system are established under application example using external authentication order and ciphertext data acquisition
The permission of application and establishment file system application；File system application is written applies master control key and applicating maintenance key；
Variable-length record file is established, and select variable-length record file under file system application, a plurality of information of making out an invoice is written.
Optional scheme is that value-added tax information storage module is the Quick Response Code for being printed on Payment Card surface, and Quick Response Code is makes
The Quick Response Code generated with information of making out an invoice.
To realize the second above-mentioned purpose, billing system provided by the invention includes terminal of making out an invoice, and terminal of making out an invoice has branch
Card reader is paid, payment card reader is used to read the information of Payment Card, wherein, payment card reader is additionally operable to read Payment Card
On value-added tax make out an invoice information；Terminal of making out an invoice acquisition value-added tax is made out an invoice after information, the payment clamping in information that value-added tax is made out an invoice
Someone's title, Taxpayer Identification Number, the address of Payment Card holder, telephone number, the bank of deposit and account information Auto-writing
Into corresponding information bar of making out an invoice.
Preferable scheme is that payment card reader is used for a plurality of letter of making out an invoice stored in the encryption chip for reading Payment Card
Breath, and made out an invoice the classification of information according to the make out an invoice tag recognition of information of each, terminal of making out an invoice is according to the letter of making out an invoice identified
The classification of breath makes out an invoice each in the corresponding information bar of making out an invoice of information write-in.
Optional scheme is that payment card reader is two-dimensional code scanning instrument, and the scanning of two-dimensional code scanning instrument, which obtains, is printed on branch
The Quick Response Code on card surface is paid, terminal of making out an invoice is by obtaining the information of Quick Response Code, and the letter that the Quick Response Code of acquisition is characterized
Breath, identify Payment Card holder title, Taxpayer Identification Number, the address of Payment Card holder, telephone number, the bank of deposit and
After account information in Auto-writing to corresponding information bar of making out an invoice.
To realize above-mentioned third purpose, payment card reader of the billing method provided by the invention including terminal of making out an invoice is read
It takes the information of Payment Card, also, pays the value-added tax that card reader is read on Payment Card and make out an invoice information；Terminal of making out an invoice obtains increment
Tax is made out an invoice after information, the Payment Card holder title, Taxpayer Identification Number, Payment Card holder in information that value-added tax is made out an invoice
In address, telephone number, the bank of deposit and account information Auto-writing to corresponding information bar of making out an invoice.
Preferable scheme is that the value-added tax that payment card reader is read on Payment Card is made out an invoice, information includes：Read Payment Card
Encryption chip in a plurality of information of making out an invoice that is stored, and made out an invoice the class of information according to the make out an invoice tag recognition of information of each
Not, each information of making out an invoice is written in corresponding information bar of making out an invoice according to the classification for information of making out an invoice identified for terminal of making out an invoice.
Optional scheme is that payment card reader is two-dimensional code scanning instrument, and the scanning of two-dimensional code scanning instrument, which obtains, is printed on branch
The Quick Response Code on card surface is paid, terminal of making out an invoice obtains the information of Quick Response Code, and the information that the Quick Response Code of acquisition is characterized, knows
Do not go out Payment Card holder title, Taxpayer Identification Number, the address of Payment Card holder, telephone number, the bank of deposit and account
After information in Auto-writing to corresponding information bar of making out an invoice.
By said program as it can be seen that the VAT invoice that Payment Card holder is stored on Payment Card is made out an invoice information, in this way, opening
It when having invoice, is made out an invoice information by the acquisition of the payment card reader of billing system, and the information that will make out an invoice automatically is filled up to pair
In the information bar of making out an invoice answered, you can be automatically performed filling in for information of making out an invoice.Such operation can be manually entered to avoid businessman
It makes out an invoice information, can not only save the time for filling in information of making out an invoice, but also can be not allowed to avoid because being manually entered information of making out an invoice
Really and lead to happening for invoice issuing mistake, effectively avoid making out an invoice because filling in information errors due to cause invoice cancel, return
That receives happens.
On the other hand, even if requestee forgets to make out an invoice information particular content, nor affect on issuing for invoice, and pay the bill
People makes out an invoice the particular content of information also without record, and billing system can obtain making out an invoice on Payment Card and information and directly fill in
Relevant information of making out an invoice, so as to which requestee be avoided to record the information of making out an invoice of VAT invoice.
In addition, value-added tax information of making out an invoice is stored in the memory of encryption chip, can make out an invoice information to avoid value-added tax
It is stolen by criminal, and encryption chip can carry out information exchange by existing communication mode and payment card reader,
So it is only necessary that being communicated with existing communication mode, the development and maintenance difficulty of billing system can be reduced.
Also, by information of making out an invoice Payment Card holder title, Taxpayer Identification Number, Payment Card holder address,
Telephone number, the bank of deposit and account information are divided into a plurality of information and are identified using corresponding label, and terminal of making out an invoice is read
After the information of Payment Card, by each make out an invoice information label can easily tell each make out an invoice information distinguish
Corresponding content, so as to which the make out an invoice numerical value of information of each is filled up in corresponding information bar of making out an invoice, raising information of making out an invoice is filled out
The efficiency write.
In another scheme, the information that will make out an invoice is printed in a manner of Quick Response Code on the surface of Payment Card, in this way can be with
The carrying cost for information of making out an invoice is substantially reduced, and two-dimensional code scanning instrument is very common equipment, is swept using two-dimensional code scanning instrument
It retouches Quick Response Code and identifies information of making out an invoice, on the one hand can improve the recognition efficiency for information of making out an invoice, on the other hand can also reduce
The production cost of payment.
When issuing VAT invoice using the method for the present invention, businessman is without manually filling in the title of requestee, paying taxes
People's identifier, the address of Payment Card holder, telephone number, the bank of deposit and account information etc. are used to issue VAT invoice
Information not only improves efficiency of making out an invoice, and can effectively avoid happening for fill message error.
Description of the drawings
Fig. 1 is the structure diagram of Payment Card first embodiment of the present invention and billing system first embodiment.
Fig. 2 is the flow chart of billing method first embodiment of the present invention.
Fig. 3 is the structure diagram of Payment Card second embodiment of the present invention.
Fig. 4 is the structure diagram of billing system second embodiment of the present invention.
Fig. 5 is the flow chart of billing method second embodiment of the present invention.
The invention will be further described with reference to the accompanying drawings and embodiments.
Specific embodiment
The Payment Card of the present invention can be the card that debit card or credit card etc. have payment function, and block
It needs to be provided with the memory carrier for memory card information, such as encryption information or magnetic stripe in piece.The present invention's makes out an invoice and is
System can read the information on Payment Card, and obtain the information on Payment Card and the VAT invoice on automatic identification Payment Card
It makes out an invoice information, while can be by the information Auto-writing to the corresponding information bar of making out an invoice of invoice of making out an invoice identified, so as to real
The automatic invoice issuance of existing VAT invoice.The billing method of the present invention is the side that VAT invoice is issued using billing system realization
Method.
First embodiment：
Referring to Fig. 1, in the present embodiment, Payment Card 10 has card body, it is preferred that card body is laminar card body, and card body can be by
Plastics or metal etc. are made, also, a mounting groove is milled out in card body, and encryption chip 11 is equipped in mounting groove, encrypt core
Memory 12 is provided on piece 11, for storing the information of Payment Card, the information such as account, remaining sum including Payment Card, these letters
It ceases to be read in payment process.And after payment, the read-write equipment of Payment Card, as card swiping terminal will be propped up currently
The remaining sum for paying card is re-write in Payment Card, that is, be written in the encryption chip of Payment Card.
Certainly, communication module 13 is additionally provided on the card body of Payment Card 10,13 encryption chip 11 of communication module is electrically connected, opens
Bill system 20 reads the data in encryption chip 13 by communication module 13.In the present embodiment, the memory 12 of encryption chip 11
The value-added tax that memory contains Payment Card is made out an invoice information.In general, encryption chip 11 is the chip with operating system, that is, adding
The operating system of chip oneself can be run on close chip 11, and operation has application program in the operating system.For side
Just billing system 20 reads value-added tax and makes out an invoice information, can a common independent application in the operating system of encryption chip 11
Program, an and variable-length record file is established in the application program, the record file are the storage file of information of making out an invoice,
The information of making out an invoice of Payment Card holder is stored in the record file, includes the title of Payment Card holder, such as Business Name,
Also it is stored with Taxpayer Identification Number, address, phone, the bank of deposit and account information.
Preferably, information of making out an invoice stores in memory 12, and information of making out an invoice is divided into a plurality of information of making out an invoice and stores respectively, example
As first make out an invoice information record Payment Card holder title, Article 2 make out an invoice information record Taxpayer Identification Number, Article 3
Information of making out an invoice records location and phone, and Article 4 is made out an invoice the information of information record bank of deposit and account.
Also, each makes out an invoice information using TLV structures, that is, the structure using TAG, LNE, VALUE, wherein T
Label is represented, L represents the length of V, and V is for specific numerical value, for example, the information of making out an invoice for including Taxpayer Identification Number is
9F0218393134343034303036313734393039373838, then wherein preceding four labels, i.e. T is 9F02, for table
The content for showing the information of making out an invoice is Taxpayer Identification Number, and the 5th and the 6th length for V, the i.e. value of L are 18, number below
It is worth the numerical value for V, i.e., 393134343034303036313734393039373838, which is Taxpayer Identification Number
914404006174909788 ASCII character.As it can be seen that in the present embodiment, the concrete numerical value of Taxpayer Identification Number uses ASCII character
Form storage in memory 12.
Each information of making out an invoice uses the structure of TLV, therefore each information of making out an invoice includes the label of oneself, example
Such as, first make out an invoice information record Payment Card holder title, label 9F01, Article 2 make out an invoice information record taxpayer know
Alias, label 9F02, Article 3 are made out an invoice information record location and phone, label 9F03, and Article 4 information record of making out an invoice is opened an account
The information of row and account, label 9F04.
When making Payment Card, need that information of making out an invoice is written to Payment Card, the flow that information of making out an invoice is written is as follows：
First, using select command, such as based on the 00A4 orders under international smart card standard ISO7816 agreements, selection payment
The main security domain of card opens escape way according to the rule of global platform tissue (Global Platform, GP), obtains installation
The permission of the application program of Payment Card, it is real using installation order, such as based on the 80E6 Installing of Command application under GP212 rules
Example, and specified initial authentication key Key-A.
Then, it after selecting application example using select command, sends select command to Payment Card and obtains 8 byte random numbers
Random A carry out 3DES using authentication key Key-A to random number R andom A（Triple data encryption algorithm）Computations,
The ciphertext data Ciphertext A of 8 bytes are obtained, are obtained using external authentication order and ciphertext data Ciphertext A
The permission of file system (MF) application is established under application example, uses establishment file order establishment file system application.
Then, after being applied using select command select file system, be written what file system was applied using cipher key command is write
Using master control key ACK, applicating maintenance key A MK, when wherein applicating maintenance key A MK is used to update the data, check code is calculated,
It is used during namely authentication data MAC.
Then, variable-length record file is established under file system application using establishment file order, variable-length record file
The permission of reading is freely reads, and newer permission, that is, the permission changed is adds check code in plain text.
Finally, variable-length record file is selected, four information of making out an invoice of this file are written using write record order, every is made out an invoice
Information is TLV structures.
The calculating process of check code MAC is described below.In the present embodiment, check code MAC is using all in order
Element（Include command header and data field）It generates.MAC is the last one data element in order data domain, its length is 4
Byte.The calculating step of MAC is as follows：
The first step：Card writing terminal equipment sends out the order of a Get Challenge to Payment Card, from 4 words of Payment Card loopback
00 00 00 00 are added after saving random number, obtained result is as initial value.
Second step：Data below is joined together to form data block in sequence：CLA、INS、P1、P2、Lc+4、
The rear nibble of Data, wherein CLA are necessary for the data for the plaintext or cipher text that 4, Data is order data.
Third walks：The data block is divided into the data block that 8 bytes are unit, marked as D1, D2, D3, D4 etc., last number
1-8 byte is likely to be according to block.
4th step：If last data block length is 8 bytes, 16 binary digits 80 00 00 00 are added behind
00 00 00 00, go to the 5th step.If last data block length adds 16 binary digits behind less than 8 bytes
80, if reaching 8 byte lengths, it is transferred to the 5th step；Otherwise 16 binary digits 0 are added in behind until length reaches 8 bytes.
5th step：The data block obtained to the 4th step is encrypted using corresponding key.It is used according to the length of key
DES or 3DES operations, carry out 3DES operations when, obtain 8 bytes data block DN, then to 16 bytes without first half into
Row DES decrypt, then to the latter half of 16 byte keys carry out DED encryptions, then to the first half of 16 byte keys into
Row DES is decrypted, and finally obtains the data block DN after the decryption of 8 bytes.
6th step：4 bytes of first half are the MAC value calculated in the result finally obtained.
Information of making out an invoice 12 is written in the memory of Payment Card by above step, when needing to issue VAT invoice
When, the terminal 21 of making out an invoice on billing system 20 reads the information of making out an invoice that Payment Card 10 stored using payment card reader 22, and
And it is what, such as first letter of making out an invoice of identification to go out the make out an invoice content of information of this according to the tag recognition of each card image
Breath content is the Business Name of Payment Card holder.Identification each make out an invoice information content after, each is made out an invoice information
The corresponding invoice that is filled up to of content make out an invoice accordingly in information bar, so as to the Auto-writing for information of completing to make out an invoice.
The billing method of the present embodiment is introduced with reference to Fig. 2.First, step S11 is performed, judges whether requestee uses
Payment Card completes delivery operation, such as whether POS machine receives the receipt of bank, represents successful payment.If successful payment,
Step S12 is performed, obtains the amount of money of payment, and the amount of money of acquisition is filled up in one column of the amount of money of invoice, and perform step
S13, reads the information of Payment Card, and the information of Payment Card includes the card number of Payment Card, the name of Payment Card holder or company
Title etc..
Then, step S14 is performed, the value-added tax that is stored in the memory of Payment Card of payment card reader reading is made out an invoice letter
Breath, and performs step S15, identifies that each value-added tax is made out an invoice the content of information, and each value-added tax is made out an invoice letter
In the content Auto-writing of breath to corresponding information bar of making out an invoice.
Then, step S16 is performed, judges whether that confirmation issues invoice, performs step S17 in this way, print VAT invoice,
Otherwise, terminate flow.
In this way, billing system can obtain the increasing stored on Payment Card automatically by reading the information on Payment Card
Value tax is made out an invoice information, and the tag recognition each for the information that can be made out an invoice according to each is made out an invoice the particular content of information, and
In Auto-writing to corresponding information bar of making out an invoice, businessman is avoided to fill in value-added tax manually and is made out an invoice the content of information, increasing is issued in raising
It is worth the efficiency of tax information, also avoids the problem that leading to information solicitation mistake due to manual fill message.
Second embodiment：
Referring to Fig. 3, the Payment Card of the present embodiment has card body 30, and Quick Response Code 31, this implementation are printed on the surface of card body 30
In example, the information of making out an invoice of Payment Card holder is converted into Quick Response Code and is printed on the surface of card body 30.Therefore, such as Fig. 4
Shown, the terminal 41 of making out an invoice of billing system 40 needs the information that two-dimensional code scanning instrument 42 is set to obtain Quick Response Code 31 with scanning.It is excellent
Choosing, the information that Quick Response Code 31 characterizes includes the title of Payment Card holder, Taxpayer Identification Number, phone number and address, opens
The information such as family row and account, these information generate Quick Response Code 31 according to the technical regulation of ISO18004 standards.
Referring to Fig. 5, when issuing VAT invoice using the 2 D code information on the Payment Card of the present embodiment, first, perform
Step S21, judges whether requestee uses Payment Card to complete delivery operation, such as whether POS machine receives the receipt of bank, table
Show successful payment.If successful payment, step S22 is performed, obtains the amount of money of payment, and performs step S23, reads Payment Card
Information, the information of Payment Card includes the card number of Payment Card, the name of Payment Card holder or Business Name etc..
Then, step S24 is performed, the information of the Quick Response Code on Payment Card is obtained using two-dimensional code scanning instrument, and is performed
Step S25, the scanned Quick Response Code of identification, such as pattern in 2 D code is converted into ASCII character, and deposit according to preset
Storage rule obtains information of making out an invoice, the Business Name including Payment Card holder, taxpayer's identification according to the ASCII character identified
Number, phone number and address, bank of deposit and account etc..
Then, perform step S26, by the value-added tax identified make out an invoice information content Auto-writing to corresponding letter of making out an invoice
It ceases in column.Finally, step S27 is performed, judges whether that confirmation issues invoice, performs step S28 in this way, print VAT invoice,
Otherwise, terminate flow.
As it can be seen that the information of making out an invoice of value-added tax is printed in a manner of Quick Response Code on the surface of Payment Card by the present embodiment, by
It is relatively low in the printing cost of Quick Response Code, and the scanning recognition of Quick Response Code is also very common equipment, therefore the present embodiment is several
The efficiency of making out an invoice of VAT invoice is improved in the case of not increasing production cost.
Certainly, above-mentioned scheme is the preferred embodiment of the invention, and practical application is that can also have more variations,
For example, the change for information particular content of making out an invoice, change of a plurality of information storage order of making out an invoice etc., these changes do not affect this hair
Bright implementation should also include within the scope of the present invention.
Claims (10)
1. Payment Card, including：
Card body is provided with encryption chip in the card body, is stored with payment information on the encryption chip, the encryption chip with
Communication module is electrically connected；
It is characterized in that：
The card body is additionally provided with value-added tax information storage module, and the value-added tax information storage module is stored with the Payment Card
The VAT invoice of holder is made out an invoice information, the information of making out an invoice include the Payment Card holder title, Taxpayer Identification Number,
Address, telephone number, the bank of deposit and the account information of the Payment Card holder.
2. Payment Card according to claim 1, it is characterised in that：
The value-added tax information storage module is provided with memory to be arranged in the encryption chip, and the memory is stored with
It makes out an invoice file, the file of making out an invoice includes the information of making out an invoice；
The information of making out an invoice makes out an invoice and information and the 4th makes out an invoice information including the first make out an invoice information, the second make out an invoice information, third, institute
It states the first information of making out an invoice and includes the information of the Payment Card holder title, the described second information of making out an invoice includes the taxpayer and knows
The information of alias, the third are made out an invoice the address of information including Payment Card holder and the information of telephone number, and the described 4th opens
Ticket information includes the bank of deposit and account information；
Information of making out an invoice described in each includes the information of label and information value of making out an invoice, it is described make out an invoice information value with
The form storage of ASCII character.
3. Payment Card according to claim 2, it is characterised in that：
When the information of making out an invoice is written to the Payment Card, the main security domain of the Payment Card is selected, obtains installation application program
Permission, and specified initial authentication key；
Random number is sent to the Payment Card, calculating is encrypted to the random number using the authentication key, obtains ciphertext
Data establish permission and the wound that file system is applied using external authentication order and the ciphertext data acquisition under application example
Build file system application；
The file system application is written applies master control key and applicating maintenance key；It establishes and becomes under file system application
Long record file, and the variable-length record file is selected, a plurality of information of making out an invoice is written.
4. Payment Card according to claim 1, it is characterised in that：
The value-added tax information storage module is the Quick Response Code for being printed on the Payment Card surface, and the Quick Response Code is described in use
The Quick Response Code of information of making out an invoice generation.
5. billing system, including
It makes out an invoice terminal, the terminal of making out an invoice has payment card reader, and the payment card reader is used to read the letter of Payment Card
Breath；
It is characterized in that：
The payment card reader value-added tax that is additionally operable to read on the Payment Card is made out an invoice information；
The terminal acquisition value-added tax of making out an invoice is made out an invoice after information, the Payment Card holder in information that the value-added tax is made out an invoice
Title, Taxpayer Identification Number, the address of the Payment Card holder, telephone number, the bank of deposit and account information Auto-writing
Into corresponding information bar of making out an invoice.
6. billing system according to claim 5, it is characterised in that：
The payment card reader is used for a plurality of information of making out an invoice stored in the encryption chip for reading the Payment Card, and root
According to the classification for information of making out an invoice described in the tag recognition for information of making out an invoice described in each, the terminal of making out an invoice is made out an invoice according to what is identified
The classification of information makes out an invoice each in the corresponding information bar of making out an invoice of information write-in.
7. billing system according to claim 5, which is characterized in that including：
The payment card reader is two-dimensional code scanning instrument, and the two-dimensional code scanning instrument scanning, which obtains, is printed on the Payment Card table
Quick Response Code on face, the terminal of making out an invoice is by obtaining the information of the Quick Response Code, and by the Quick Response Code institute table of acquisition
The information of sign, identify Payment Card holder title, Taxpayer Identification Number, the address of the Payment Card holder, telephone number,
After the bank of deposit and account information in Auto-writing to corresponding information bar of making out an invoice.
8. billing method, including：
The payment card reader for terminal of making out an invoice reads the information of Payment Card；
It is characterized in that：
The value-added tax that the payment card reader is read on the Payment Card is made out an invoice information；
The terminal acquisition value-added tax of making out an invoice is made out an invoice after information, the Payment Card holder in information that the value-added tax is made out an invoice
Title, Taxpayer Identification Number, the address of the Payment Card holder, telephone number, the bank of deposit and account information Auto-writing
Into corresponding information bar of making out an invoice.
9. billing method according to claim 8, which is characterized in that including：
The value-added tax that the payment card reader is read on Payment Card information of making out an invoice includes：Read the encryption of the Payment Card
The a plurality of information of making out an invoice stored in chip, and information of making out an invoice described in the tag recognition for information of making out an invoice according to each
According to the classification for information of making out an invoice identified corresponding information of making out an invoice is written in each information of making out an invoice by classification, the terminal of making out an invoice
In column.
10. billing method according to claim 8, which is characterized in that including：
The payment card reader is two-dimensional code scanning instrument, and the two-dimensional code scanning instrument scanning, which obtains, is printed on the Payment Card table
Quick Response Code on face, the terminal of making out an invoice obtain the information of the Quick Response Code, and the Quick Response Code of acquisition is characterized
Information, identify Payment Card holder title, Taxpayer Identification Number, the Payment Card holder address, telephone number, open an account
After bank and account information in Auto-writing to corresponding information bar of making out an invoice.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711459159.XA CN108197690B (en) | 2017-12-28 | 2017-12-28 | Payment card, billing system and billing method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711459159.XA CN108197690B (en) | 2017-12-28 | 2017-12-28 | Payment card, billing system and billing method |
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| CN108197690A true CN108197690A (en) | 2018-06-22 |
| CN108197690B CN108197690B (en) | 2021-07-13 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201711459159.XA Active CN108197690B (en) | 2017-12-28 | 2017-12-28 | Payment card, billing system and billing method |
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| CN108960365A (en) * | 2018-06-28 | 2018-12-07 | 睿思易（成都）科技有限责任公司 | A kind of data integration method and system based on two dimensional code |
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| CN108197690B (en) | 2021-07-13 |
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