CN110874731A - POS machine payment system and development method thereof - Google Patents
POS machine payment system and development method thereof Download PDFInfo
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- CN110874731A CN110874731A CN201910964564.XA CN201910964564A CN110874731A CN 110874731 A CN110874731 A CN 110874731A CN 201910964564 A CN201910964564 A CN 201910964564A CN 110874731 A CN110874731 A CN 110874731A
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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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
- G06Q20/3278—RFID or NFC payments by means of M-devices
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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
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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
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/0009—Details of the software in the checkout register, electronic cash register [ECR] or point of sale terminal [POS]
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Abstract
The invention discloses a POS machine payment system, comprising: the input module is used for receiving terminal input information and assembling the terminal input information into a transaction message; the bridging module is connected with the input module and used for verifying and converting the format of the transaction message; the plurality of forwarding modules are used for forwarding the transaction messages to the plurality of processing modules; the processing modules are used for processing the transaction messages; the business distribution module is respectively connected with the bridging module and the plurality of forwarding modules and is used for selecting one corresponding forwarding module to forward the transaction message according to the characteristics of the transaction message; the dispatching module is respectively connected with the plurality of forwarding modules and the plurality of processing modules and is used for assembling the transaction messages into a processing chain according to a preset service rule, and the corresponding forwarding module distributes the transaction messages to the corresponding at least one processing module for processing according to the processing chain. Has the advantages that: the method not only supports multiple payment modes, but also can reduce the difficulty of developing POS application and reduce repeated development work.
Description
Technical Field
The invention relates to the technical field of POS machine systems, in particular to a front-end system of a POS machine payment system and a development method thereof.
Background
The POS is a multifunctional terminal that mainly functions to provide data services and management functions for commodity and media transactions and to perform cashless settlement. The electronic fund automatic transfer system is installed in a special merchant and an acceptance network of a credit card and is connected with a computer to form a network, so that the electronic fund automatic transfer system can realize the automatic transfer of electronic funds, has the functions of supporting consumption, pre-authorization, balance inquiry, transfer and the like, and is safe, quick and reliable to use. Basic operation information in bulk transactions is difficult to obtain, and the POS system is mainly introduced to solve the information management blind spot of the retail industry. The front-end system of the POS (pointofsales) payment system, called a post system for short, is used for managing the front-end POS machine and forwarding of transactions, and is convenient for controlling transactions and expanding services, and does not relate to a back-end management platform such as an operation platform and an accounting platform.
In the prior art, due to resource limitation, a conventional POS payment system generally provides only one payment channel and one corresponding payment method. For example, a bank's POS typically provides only one way of paying for bank cards. With the rapid development of intelligent devices, the demand of users for diversity of payment modes is increasing, for example, bar code payment, two-dimensional code payment, and the like. Thus, there is a need to integrate a variety of different payment modules into a POS payment system, with the breadth of the payment channel and applications growing in geometric progression.
In the development process of the existing POS machine payment system, a plurality of payment modules are mutually independent, so that developers need to repeatedly develop independent payment modules when developing each POS application, and a large amount of human resources are wasted. Therefore, a new POS payment system and a new POS payment method are needed to reduce the difficulty of developing POS applications and reduce the repetitive development work.
Disclosure of Invention
Aiming at the problems in the prior art, a POS machine payment system and a development method thereof are provided.
The specific technical scheme is as follows:
the invention includes a POS machine payment system, including:
the input module is used for receiving terminal input information and assembling the terminal input information into a transaction message;
the bridging module is connected with the input module and used for receiving the transaction message and verifying and converting the format of the transaction message;
the plurality of forwarding modules are used for forwarding the transaction messages to the plurality of processing modules;
the processing modules are used for processing the transaction messages;
a service distribution module, which is respectively connected with the bridge module and the plurality of forwarding modules, and is used for selecting a corresponding forwarding module to forward the transaction message according to the characteristics of the transaction message;
and the scheduling module is respectively connected with the plurality of forwarding modules and the plurality of processing modules and is used for assembling the transaction messages into a processing chain according to a preset service rule, and the corresponding forwarding module distributes the transaction messages to at least one corresponding processing module according to the processing chain for processing.
Preferably, the system further comprises a connector, which is respectively connected to the plurality of processing modules and a background system, and is configured to send the transaction message processed by the plurality of processing modules to the background system.
Preferably, the background system receives the processed transaction message and feeds back a transaction result to the corresponding processing module, and the processing module judges whether the transaction result is correct:
when the processing module judges that the transaction result is correct, automatically printing a transaction list;
and when the processing module judges that the transaction result is wrong, initiating a correction flow to correct the transaction result.
Preferably, a plurality of said forwarding modules comprise consuming repeaters and/or revoking repeaters.
Preferably, the POS payment system further includes a security module, connected to the input module, for performing security processing on the information input by the user.
Preferably, the security module is a PSAM module.
Preferably, a plurality of said processing modules comprise a security processor and/or a consumption verification processor and/or a revocation verification processor and/or an order placement processor and/or an order notification processor.
Preferably, a plurality of the processing modules are independent of each other.
Preferably, the bridging module is configured to convert the transaction message into a JavaBean object format.
The invention also comprises a method for developing the POS machine payment system, which is used for developing the POS machine payment system in the technical scheme and comprises the steps of integrating the input module, the bridging module, the service distribution module and the plurality of forwarding modules to form a common module, and setting the plurality of processing modules as mutually independent nodes.
The technical scheme of the invention has the beneficial effects that: the POS machine payment system and the development method thereof not only support various payment modes, but also can reduce the difficulty of developing POS application, reduce repeated development work and save a large amount of human resources.
Drawings
Embodiments of the present invention will be described more fully with reference to the accompanying drawings. The drawings are, however, to be regarded as illustrative and explanatory only and are not restrictive of the scope of the invention.
FIG. 1 is a system diagram of a POS payment system according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict.
The invention is further described with reference to the following drawings and specific examples, which are not intended to be limiting.
The invention comprises a POS machine payment system, as shown in figure 1, comprising:
an input module 1, which is used for receiving terminal input information and assembling the terminal input information into a transaction message, wherein the format of the terminal input information can be a message based on HTTP protocol or TCP message based on 8583 protocol;
a bridging module 2, connected to the input module 1, for receiving the transaction message, and checking and converting the format of the transaction message, if the transaction message is a TCP message based on 8583 protocol, it can use a jpos packet for processing;
the forwarding modules 3 are used for forwarding the transaction messages to the processing modules 4, and the forwarding strategy configuration can use a database table or preset configuration by enumeration or JavaMap (lookup table);
the processing modules 4 are used for processing the transaction messages, in the embodiment, the transaction messages are converted into JavaBean objects by using Java language, and the format characteristics of each message domain are described by using annotations on JavaBean attributes;
a service distribution module 5, respectively connected to the bridge module 2 and the plurality of forwarding modules 3, for selecting a corresponding forwarding module 3 to forward the transaction message according to the characteristics of the transaction message, for example, selecting a corresponding route according to the transaction type or service code of the transaction message;
and the scheduling module 6 is respectively connected with the plurality of forwarding modules 3 and the plurality of processing modules 4 and is used for assembling the transaction messages into a processing chain according to a preset service rule, and the corresponding forwarding module 3 distributes the transaction messages to the corresponding at least one processing module 4 according to the processing chain for processing. In the case of fewer preset failures, the forwarding policy may be configured in the Java Map.
Specifically, in this embodiment, the payment process of the POS specifically includes: a POS machine operator (namely a signing merchant) signs in first, selects a consumption menu and inputs corresponding money; selecting a corresponding transaction mode according to the type of the bank card of the user, for example, an IC card can adopt a card-swiping payment mode, and a magnetic stripe card can select a card-swiping payment mode; the cardholder inputs the bank card password through the input module 1, the input module 1 can adopt a password keyboard, if the user adopts the bar code or two-dimensional code to pay, the input module 1 can also adopt a scanner to scan the transaction information; the POS machine calls a PASM module to perform safety processing and assemble transaction messages (8583 communication messages); the bridge module 2 carries out format verification and conversion on the transaction message, and converts the transaction message into a JavaBean object; the service distribution module 5 confirms the transaction type according to the message type, the transaction processing code, the network management code and other elements, and matches the transaction type with the corresponding forwarding module 3 according to the transaction type (for example, when the transaction type is card payment, a card-swiping consumption transponder is matched), the forwarding module 3 searches a service registration center, and a unified scheduling service interface (scheduling module 6) is called; the scheduling module 6 assembles a corresponding processing chain according to a preset service rule and the current transaction type, splits a transaction message into a plurality of tasks to be distributed to corresponding processors on the processing chain for processing, the processing chain comprises one or a plurality of processing modules 4, each processing module 4 is an independent node and does not influence each other, when a developer needs to add a new POS to a POS machine payment system, the developer only needs to add the processing module 4 corresponding to the POS application and correspondingly modify the preset service rule without developing a corresponding payment module again. For example, when the current service type is a POS upload consumption transaction, the processing chain formed according to the preset service rule includes a security processor, a consumption verification processor, a placing order processor, and an order notification processor, and the forwarding module 3 forwards the transaction message to the security processor, the consumption verification processor, the placing order processor, and the order notification processor, respectively, for processing.
Through the technical scheme, the payment modules of the applications of the POS payment system are integrated together, developers only need to develop the integrated payment modules once, repeated development of the payment modules is avoided, the problem that the developers repeatedly develop similar payment applications is solved, a large amount of human resources can be saved, and the developers can be concentrated in development of specific requirements.
In a preferred embodiment, the system further includes a connector 7, which is respectively connected to the plurality of processing modules 4 and a background system 8, and is configured to send the transaction messages processed by the plurality of processing modules 4 to the background system 8.
Specifically, after all the processing modules 4 in the processing chain are processed, the connector 7 is called, the connector 7 assembles the processed transaction messages, accesses the service registration center, sends the transaction messages to the background system (in the process, the background system accesses a third-party cooperative mechanism, such as a union pay, etc.) 8, the background system 8 forms a transaction result according to the processed transaction messages, and returns the transaction result to the processing module 4 which processes the transaction messages.
In a preferred embodiment, the background system 8 receives the processed transaction message and feeds back a transaction result to the corresponding processing module 4, and the processing module 4 determines whether the transaction result is correct:
when the processing module judges that the transaction result is correct, automatically printing a transaction sheet;
when the processing module judges that the transaction result is wrong, a correction flow is initiated to correct the transaction result.
Specifically, the processing module 4 on the corresponding processing chain of the POS terminal receives the transaction result fed back by the background system 8, the consumption verification processor judges the transaction result, if the transaction is judged to be successful, the lower order processor prints the transaction order, and the merchant retains the transaction order after the user signs the transaction order; if the transaction is judged to be failed, corresponding error prompt information is displayed, the consumption verification processor carries out MAC verification error, and a correction flow is initiated. The forward flow is a remedy method adopted when the payment system considers that the transaction fails, namely, a transaction is set as a success mark at the POS terminal, but an account transaction packet sent to the background system 8 is not responded, namely, the transaction of the POS terminal is overtime, so that whether the transaction is successfully completed at the background system 8 is not determined, in order to ensure the benefit of a user, the processing module 4 of the POS terminal sends a request to the background system 8 again to request to cancel the flow of the transaction, if the background system 8 has successfully completed the transaction, the transaction is rolled back, if the transaction fails, the transaction is not processed, and then a processing result is returned to the POS terminal.
In a preferred embodiment, the plurality of forwarding modules 3 comprises consuming repeaters and/or revoking repeaters.
Specifically, the consumption forwarders are also classified into various different types of consumption forwarders according to the types of transaction types, for example, card-swiping consumer, and the like, and if a user selects card-swiping payment, the formed transaction message is forwarded through the corresponding card-swiping consumer; and if the user selects to cancel the consumption, the transaction message is sent to the cancellation processor through the corresponding cancellation repeater.
In a preferred embodiment, the POS machine payment system further includes a security module 9, connected to the input module 1, for performing security processing on information input by the user; the security module 9 is a PSAM module.
Specifically, the PASM module (Pilot symbol assisted modulation) is mainly characterized in that: one-card multi-application is supported, and all applications are independent from each other (multi-application and firewall functions); supporting a plurality of file types including binary files, fixed-length recording files, variable-length recording files, circulating files and wallet files; supporting a plurality of safety protection mechanisms (information confidentiality and integrity protection) in the communication process; supporting multiple security access modes and authorities (authentication function and password protection); single DES and Triple DES algorithms approved by China people's banks are supported; supporting a multi-level key distribution mechanism, and generating MAC1 and check MAC2 defined in China financial Integrated Circuit (IC) card specification; a multi-stage key dispersion mechanism is supported, and the dispersed keys are used as temporary keys to perform operations such as encryption, decryption and MAC on data so as to complete functions such as legality authentication between the terminal and the card; the contact interface supports T-0 (character transmission) and T-1 (block transmission) communication protocols; the contact interface conforms to the PPS protocol and supports multiple rate selections; the EEPROM space of 2K and 8K bytes can be selected by supporting various capacity options.
Specifically, through the technical scheme, the key data in the payment process of the POS machine payment system are encrypted according to the Unionpay standard, and the participating applications need to provide legal electronic certificates, so that the transaction safety is ensured, the data leakage is effectively prevented, and the user data is extracted by counterfeit applications.
In a preferred embodiment, the plurality of processing modules 4 comprises a security processor and/or a consumption verification processor and/or a revocation verification processor and/or an order placement processor and/or an order notification processor.
Specifically, in the present embodiment, the processing module 4 includes various processors, but this is only one embodiment of the present invention and is not meant to be a limitation of the present invention, and in practical applications, an appropriate processor may be selected according to the needs of a user. In the embodiment, the security processor is used for checking equipment and transaction elements, and the access encryptor performs encryption conversion on the 52-domain password; the consumption verification processor is used for verifying MAC, verifying the state of a merchant, calculating the rate of the merchant, accessing a wind control strategy and the like; the ordering processor is mainly used for generating a transaction order; the order notification processor is primarily used for post-transaction order updates and some post-processing. The processors operate independently and do not influence each other.
The invention also comprises a method for developing the POS machine payment system, which is used for developing the POS machine payment system and comprises the steps of integrating the input module, the bridging module, the service distribution module and the plurality of forwarding modules to form a common module, setting the plurality of processing modules as mutually independent nodes, and only adding a new processing module when a developer needs to develop a new POS application.
Specifically, the set of rapid development mode is established in a low-coupling mode, common and general functions of a plurality of POS applications are designed into common modules, for example, unpacking and packaging of transaction messages, card numbers, passwords, MAC calculation and the like are all common modules, service differences are designed into independent processor nodes, corresponding processor nodes are matched if necessary, and processing for two-dimensional code payment applications can be completed on the independent two-dimensional code payment node processor on the assumption that the POS machine supports the two-dimensional code payment applications, and other steps are consistent with the main process and can be used for running common codes. Through the technical scheme, the workload of developers can be effectively reduced, the development efficiency of the developers is improved, and the development difficulty is reduced.
The technical scheme of the invention has the beneficial effects that: the POS machine payment system and the development method thereof not only support various payment modes, but also can reduce the difficulty of developing POS application, reduce repeated development work and save a large amount of human resources.
While the invention has been described with reference to a preferred embodiment, it will be understood by those skilled in the art that various changes in form and detail may be made therein without departing from the spirit and scope of the invention.
Claims (10)
1. A POS payment system, comprising:
the input module is used for receiving terminal input information and assembling the terminal input information into a transaction message;
the bridging module is connected with the input module and used for receiving the transaction message and verifying and converting the format of the transaction message;
the plurality of forwarding modules are used for forwarding the transaction messages to the plurality of processing modules;
the processing modules are used for processing the transaction messages;
a service distribution module, which is respectively connected with the bridge module and the plurality of forwarding modules, and is used for selecting a corresponding forwarding module to forward the transaction message according to the characteristics of the transaction message;
and the scheduling module is respectively connected with the plurality of forwarding modules and the plurality of processing modules and is used for assembling the transaction messages into a processing chain according to a preset service rule, and the corresponding forwarding module distributes the transaction messages to at least one corresponding processing module according to the processing chain for processing.
2. The POS machine payment system of claim 1, further comprising a connector respectively connected to the plurality of processing modules and a background system, for sending the transaction message processed by the plurality of processing modules to the background system.
3. The POS machine payment system of claim 2, wherein the background system receives the processed transaction message and feeds back a transaction result to the corresponding processing module, and the processing module determines whether the transaction result is correct:
when the processing module judges that the transaction result is correct, automatically printing a transaction list;
and when the processing module judges that the transaction result is wrong, initiating a correction flow to correct the transaction result.
4. The POS payment system of claim 1, wherein the plurality of forwarding modules comprises a consumption transponder and/or a revocation transponder.
5. The POS payment system of claim 1, further comprising a security module coupled to the input module for securely processing the information input by the user.
6. The POS payment system of claim 5, wherein the security module is a PSAM module.
7. The POS payment system of claim 1, wherein the plurality of processing modules comprises a security processor and/or a consumption verification processor and/or a revocation verification processor and/or an order placement processor and/or an order notification processor.
8. The POS payment system of claim 1, wherein the plurality of processing modules are independent of one another.
9. The POS payment system of claim 1, wherein the bridge module is configured to convert the transaction message to Java format.
10. A method for developing a POS payment system, for developing a POS payment system according to claims 1-9, comprising integrating the input module, the bridging module, the service distribution module, and the plurality of forwarding modules to form a common module, and arranging the plurality of processing modules as separate nodes from each other.
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