CN111461697A - Payment communication method and device and electronic equipment - Google Patents

Payment communication method and device and electronic equipment Download PDF

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Publication number
CN111461697A
CN111461697A CN202010302597.0A CN202010302597A CN111461697A CN 111461697 A CN111461697 A CN 111461697A CN 202010302597 A CN202010302597 A CN 202010302597A CN 111461697 A CN111461697 A CN 111461697A
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Prior art keywords
payment
message
information
pos terminal
sending
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CN202010302597.0A
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Chinese (zh)
Inventor
戴毓华
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Alipay Hangzhou Information Technology Co Ltd
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Alipay Hangzhou Information Technology Co Ltd
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Priority to CN202010302597.0A priority Critical patent/CN111461697A/en
Publication of CN111461697A publication Critical patent/CN111461697A/en
Priority to PCT/CN2021/086934 priority patent/WO2021208916A1/en
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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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L69/00—Network arrangements, protocols or services independent of the application payload and not provided for in the other groups of this subclass
    • H04L69/22—Parsing or analysis of headers

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Signal Processing (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

The embodiment of the application provides a payment communication method, a payment communication device and electronic equipment, and aims to expand the payment mode of a POS terminal. The payment communication method comprises the following steps: receiving a first message which is sent by a point-of-sale (POS) terminal and carries transaction order information, wherein the transaction order information at least comprises a transaction amount; sending the transaction order information to the payment device; receiving a second message which is sent by the POS terminal and carries settlement information; triggering the payment equipment to execute a payment process in response to the second message; receiving a third message carrying payment information fed back by the payment equipment after the payment process is completed; and sending the payment information to the POS terminal.

Description

Payment communication method and device and electronic equipment
Technical Field
The embodiment of the application relates to the technical field of communication, in particular to a payment communication method and device and electronic equipment.
Background
The current point-of-sale (POS) terminal (also referred to as a POS machine) is generally configured with a cash-receiving function, some POS terminals are also configured with a cash-receiving function of swiping a card, an operator scans a two-dimensional code of a commodity label through a scanning gun connected with the POS terminal, or manually inputs a digital code of the commodity, and the like to input information of the commodity to be settled, the POS terminal finds information of the corresponding commodity according to the commodity code, such as price, discount, commodity category, and the like, settles the total amount according to the price of the commodity, and then receives cash in a cash-receiving manner, swiping a card, and the like. With the increasing popularization of electronic payment methods, more and more customers use mobile terminals such as mobile phones to pay through electronic payment channels such as internet banking and payment platforms, and the payment methods are more and more, for example, face-brushing payment, fingerprint payment, code-scanning payment, and the like.
Disclosure of Invention
The embodiment of the application provides a payment communication method, a payment communication device and electronic equipment, and aims to expand the payment mode of a POS terminal.
In a first aspect, an embodiment of the present application provides a payment communication method, including: receiving a first message which is sent by a point-of-sale (POS) terminal and carries transaction order information, wherein the transaction order information at least comprises a transaction amount; sending the transaction order information to the payment device; receiving a second message which is sent by the POS terminal and carries settlement information; triggering the payment equipment to execute a payment process in response to the second message; receiving a third message carrying payment information fed back by the payment equipment after the payment process is completed; and sending the payment information to the POS terminal.
In one possible implementation manner, the transaction amount is an amount corresponding to the commodity code searched by the POS terminal according to the commodity code.
In one possible implementation manner, receiving a first message carrying transaction order information sent by a POS terminal includes: receiving a plurality of first messages which are sequentially sent by a POS terminal aiming at a plurality of commodities, wherein the transaction order information carried by each first message comprises the transaction amount of the corresponding commodity; sending transaction order information to a payment device, comprising: and after receiving the first message each time, sending the corresponding transaction order information to the payment equipment.
In one possible implementation manner, the sending, by the POS terminal, a message using a first communication protocol, and sending the transaction order information to the payment device includes: analyzing the first message by using a first communication protocol to obtain transaction order information; generating a fourth message according with the second communication protocol according to the transaction order information; and sending the fourth message to the payment equipment.
In one possible implementation manner, triggering the payment device to execute the payment process in response to the second message includes: analyzing the second message by using the first communication protocol to determine that settlement information is received; generating a fifth message which accords with the second communication protocol, wherein the fifth message is used for triggering the payment equipment to execute the payment process; and sending the fifth message to the payment equipment.
In one possible implementation, the first communication protocol is a point-of-sale object connection and embedded OPOS protocol.
In one possible implementation manner, the method for transmitting payment information to the POS terminal includes the steps of, by the POS terminal, receiving a packet using a third communication protocol, and transmitting the payment information to the POS terminal: analyzing the third message by using a second communication protocol to obtain payment information; generating a sixth message according with the third communication protocol according to the payment information; and sending the sixth message to the POS terminal.
In one possible implementation manner, the sixth message is used to trigger a warehousing process of the POS terminal, where the warehousing process is a process initiated after the payment process is determined to be completed and used to update the database of the sales management system.
In one possible implementation, the third communication protocol is a universal serial bus USB-human interface device HID protocol.
In one possible implementation manner, after receiving a first message carrying transaction order information sent by a POS terminal, the method further includes: and forwarding the first message to display equipment so that the display equipment displays the transaction order information according to the first message.
In one possible implementation manner, after receiving a second packet carrying settlement information sent by the POS terminal, the method further includes: and forwarding the second message to the display equipment so that the display equipment displays settlement information according to the second message.
In one possible implementation manner, after receiving a third packet carrying payment information and fed back by the payment device after completing the payment process, the method further includes: analyzing the third message by using a second communication protocol to obtain payment information; generating a seventh message according with the first communication protocol according to the payment information; and sending the seventh message to the display device so that the display device displays the payment information according to the seventh message.
In one possible implementation manner, the payment process is a face-brushing payment process, a code-scanning payment process or a fingerprint payment process.
According to the payment communication method provided by the embodiment of the application, after a first message which is sent by a POS terminal and carries transaction order information is received, the transaction order information is sent to payment equipment, after a second message which is sent by the POS terminal and carries settlement information is received, the payment equipment is triggered to execute a payment process in response to the second message, and after a third message which is fed back by the payment equipment after the payment process is completed and carries the payment information is received, the payment information is sent to the POS terminal, so that the POS terminal and the payment equipment can realize bidirectional communication, the transaction order information obtained by the POS terminal is sent to the payment equipment, the payment information is fed back to the POS terminal after the payment equipment completes payment according to the transaction order information, and the payment mode of the POS terminal is expanded.
In a second aspect, an embodiment of the present application provides a payment communication apparatus, including: the POS terminal comprises a first receiving unit, a second receiving unit and a sending unit, wherein the first receiving unit is used for receiving a first message which is sent by the POS terminal and carries transaction order information, and the transaction order information at least comprises transaction amount; the first sending unit is used for sending the transaction order information to the payment equipment; the second receiving unit is used for receiving a second message which is sent by the POS terminal and carries settlement information; the triggering unit is used for responding to the second message and triggering the payment equipment to execute the payment process; a third receiving unit, configured to receive a third message carrying payment information and fed back by the payment device after completing the payment process; and the second sending unit is used for sending the payment information to the POS terminal.
In one possible implementation manner, the transaction amount is an amount corresponding to the commodity code searched by the POS terminal according to the commodity code.
In one possible implementation manner, the first receiving unit includes: the POS terminal comprises a first receiving module, a second receiving module and a sending module, wherein the first receiving module is used for receiving a plurality of first messages sent by the POS terminal in sequence aiming at a plurality of commodities, and the transaction order information carried by each first message comprises the transaction amount of the corresponding commodity; the first transmission unit includes: and the first sending module is used for sending the corresponding transaction order information to the payment equipment after receiving the first message each time.
In one possible implementation manner, the POS terminal sends the packet using a first communication protocol, and the first sending unit includes: the first analysis module is used for analyzing the first message by using a first communication protocol to obtain transaction order information; the first generation module is used for generating a fourth message which accords with the second communication protocol according to the transaction order information; and the second sending module is used for sending the fourth message to the payment equipment.
In one possible implementation manner, the triggering unit includes: the second analysis module is used for analyzing the second message by using the first communication protocol so as to determine that the settlement information is received; the second generation module is used for generating a fifth message which accords with the second communication protocol, wherein the fifth message is used for triggering the payment equipment to execute the payment process; and the third sending module is used for sending the fifth message to the payment equipment.
In one possible implementation, the first communication protocol is a point-of-sale object connection and embedded OPOS protocol.
In one possible implementation manner, the POS terminal receives the packet using a third communication protocol, and the second sending unit includes: the third analysis module is used for analyzing the third message by using the second communication protocol to obtain payment information; the third generation module is used for generating a sixth message which accords with a third communication protocol according to the payment information; and the fourth sending module is used for sending the sixth message to the POS terminal.
In one possible implementation manner, the sixth message is used to trigger a warehousing process of the POS terminal, where the warehousing process is a process initiated after the payment process is determined to be completed and used to update the database of the sales management system.
In one possible implementation, the third communication protocol is a universal serial bus USB-human interface device HID protocol.
In one possible implementation manner, the apparatus further includes: and the third sending unit is used for forwarding the first message to the display equipment after receiving the first message which is sent by the POS terminal and carries the transaction order information, so that the display equipment displays the transaction order information according to the first message.
In one possible implementation manner, the apparatus further includes: and the fourth sending unit is used for forwarding the second message to the display equipment after receiving the second message which is sent by the POS terminal and carries the settlement information, so that the display equipment displays the settlement information according to the second message.
In one possible implementation manner, the apparatus further includes: the analysis unit is used for analyzing the third message by using a second communication protocol after receiving the third message carrying the payment information fed back by the payment equipment after completing the payment process so as to obtain the payment information; the generating unit is used for generating a seventh message which accords with the first communication protocol according to the payment information; and the fifth sending unit is used for sending the seventh message to the display equipment so that the display equipment displays the payment information according to the seventh message.
In one possible implementation manner, the payment process is a face-brushing payment process, a code-scanning payment process or a fingerprint payment process.
In a third aspect, an embodiment of the present application provides an electronic device, including: a first interface for connecting a point of sale (POS) terminal; a second interface for connecting a payment device; at least one processor; and at least one memory communicatively coupled to the processor, wherein: the memory stores program instructions executable by the processor, which invokes program instructions capable of performing the method as provided by the first aspect and its partial possible implementations.
In one possible implementation manner, the electronic device further includes: the third interface is used for connecting the display equipment; the at least one memory communicatively connected to the processor further stores program instructions executable by the processor, the processor invoking the program instructions to perform the method as provided by the first aspect and any one of its possible implementations.
In a fourth aspect, embodiments of the present application provide a non-transitory computer-readable storage medium storing computer instructions for causing a computer to perform the method provided by the first aspect and any one of its possible implementations.
It should be understood that the second to fourth aspects of the embodiments of the present application are consistent with the technical solutions of the first aspect of the embodiments of the present application, and beneficial effects obtained by various aspects and corresponding possible implementation manners are similar and will not be described again.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the embodiments are briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a schematic diagram of an application scenario of a payment communication method according to an embodiment of the present application;
FIG. 2 is a flow chart of one embodiment of a payment communication method according to an embodiment of the present application;
FIG. 3 is a flow chart of another embodiment of a payment communication method according to an embodiment of the present application;
FIG. 4 is a flow chart of yet another embodiment of a payment communication method according to an embodiment of the present application;
FIG. 5 is a flow chart of yet another embodiment of a payment communication method according to an embodiment of the present application;
FIG. 6 is a schematic structural diagram of an embodiment of a payment communication apparatus according to the present application;
fig. 7 is a schematic structural diagram of an embodiment of an electronic device according to the present application.
Detailed Description
In order to better understand the technical solutions of the embodiments of the present application, the embodiments of the present application are described in detail below with reference to the accompanying drawings.
It should be understood that the embodiments described are only some embodiments of the present application, and not all embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present application without any creative effort belong to the protection scope of the embodiments in the present application.
The terminology used in the embodiments of the present application is for the purpose of describing particular embodiments only and is not intended to be limiting of the embodiments of the present application. As used in the examples of this application and the appended claims, the singular forms "a", "an", and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
Fig. 1 is a schematic diagram of an application scenario of the payment communication method according to the embodiment of the present application, where the payment communication method according to the embodiment of the present application may be executed by the electronic device 100 shown in fig. 1, and specifically, the processor 1003 of the electronic device 100 may control the electronic device 100 to execute the payment communication method. As shown in fig. 1, the electronic apparatus 100 includes a first interface 1001, a second interface 1002, a third interface 1004, and a processor 1003. The first interface 1001 is used to connect to a point of sale (POS) terminal 101 (also referred to as a POS), the second interface 1002 is used to connect to the payment device 102, and the third interface 1004 is used to connect to the display device 103.
The POS terminal 101 may support payment methods of cash payment and card swiping payment, may be configured with a code scanning gun for scanning a two-dimensional code printed on a commodity label, and determine commodity information such as price, in-store discount, commodity category, and the like according to the two-dimensional code, and the POS terminal may communicate with a sales management system (also may be referred to as a POS system, not shown in fig. 1), and after payment of a commodity purchased by a user is completed, the POS terminal may notify the sales management system to update commodity library information and sales information, and reduce the corresponding stock of the sold commodity by a corresponding amount.
The payment device 102 may support at least one payment method to complete a payment process, for example, the payment method may be a face-brushing payment method, a fingerprint payment method, a payment code/collection code scanning method, and the like, where each payment method requires that the payment device 102 is configured with a corresponding hardware module, for example, the face-brushing payment requires that the payment device 102 is configured with a camera for capturing a facial image of a user. The payment device 102, after acquiring the identity credential (such as a facial image, a fingerprint image, a payment code, etc.) paid by the user, communicates with a payment mechanism (not shown in fig. 1) according to the identity credential of the user to complete a transaction flow of payment, for example, the payment mechanism may be an internet bank, a payment platform, etc.
The display device 103 may be a nixie tube display screen capable of displaying, for example, the amount of the merchandise, the amount of the payment, etc.
The electronic device 100 includes a first interface 1001, a second interface 1002, a third interface 1004, and a processor 1003. The first interface 1001 is used for connecting the POS terminal 101; the second interface 1002 is for connecting the payment device 102; the third interface 1004 is used to connect the display device 103. The electronic device 100 further comprises a memory (not shown in fig. 1) communicatively connected to the processor 1003, the memory stores program instructions executable by the processor 1003, and the processor 1003 invokes the program instructions to control the electronic device 100 to execute the payment communication method provided in the embodiment of the present application.
Fig. 2 is a flowchart of an embodiment of a payment communication method according to the embodiment of the present application, which may be implemented in the application scenario shown in fig. 1. As shown in fig. 2, the payment communication method may include:
in step 201, the POS terminal 101 scans the two-dimensional code of the product, and finds product information corresponding to the two-dimensional code, such as price, category, and in-store discount information of the product, in a pre-stored product information base. Alternatively, if the two-dimensional code cannot be scanned, the operator of the POS terminal 101 may manually key in the digital identification code of the article. Furthermore, if the consumer purchases a plurality of identical items, the operator of the POS terminal 101 may also input or select the number of items after scanning the two-dimensional code of the item to avoid scanning the same type of item multiple times. And obtaining trade order information according to the scanned or input information, wherein the trade order information at least comprises the amount of the commodity.
Step 202, the POS terminal 101 generates a first message according to the transaction order information, and sends the first message carrying the transaction order information to the electronic device 100. the POS terminal 101 uses a first communication protocol when sending the communication message, where the first message is a message conforming to the first communication protocol, and the first communication protocol may be an Object of Point of Sale (Object L inside and embedded Point of salt, abbreviated as OPOS) protocol, and an OPOS protocol is generally configured on a POS terminal configured with a Windows operating system, and is an industry standard protocol, which is not described herein again.
In step 203, the electronic device 100 may analyze the first message using the first communication protocol to obtain the transaction order information in the first message, then generate a fourth message conforming to the second communication protocol according to the transaction order information, and send the fourth message carrying the transaction order information to the payment device 102. The payment device 102 receives the information using a second communication protocol, which may be a USB-HID protocol, which is a standard protocol and will not be described herein.
Before the POS terminal 101 settles, the above steps 201 to 203 may be repeatedly cycled many times so that the electronic device 100 forwards the transaction order information determined by the POS terminal 101 to the payment device 102.
In step 204, the POS terminal 101 receives the settlement instruction, for example, the operator may click a "settlement" button on the keypad of the POS terminal 101 to send the settlement instruction to the POS terminal 101.
In step 205, the POS terminal 101 generates a second message according to the settlement information, and sends the second message to the electronic device 100. The settlement information at least includes prompt information for indicating settlement, and optionally, the settlement information may further include a total amount of settlement.
In step 206, after receiving the second message, the electronic device 100 parses the second message to obtain the settlement information, and further triggers the payment process of the payment device 102 in response to the second message (or the settlement information obtained by parsing the second message). In an alternative embodiment, the electronic device 102 generates a fifth message according to the second communication protocol according to the settlement information, and sends the fifth message to the payment device 102. Or, another optional embodiment is that after the electronic device 102 parses the second message to obtain the settlement information, a pre-stored fifth message which has a good protocol with the payment device 102 and is used for triggering the payment device 102 to execute the payment process is searched, and the fifth message is sent to the payment device 102 by using the second communication protocol. The embodiment of the present application does not specifically limit the specific content of the fifth message for triggering the payment device 102, and the fifth message is pre-agreed with the payment device 102.
In step 207, the payment device 102 executes the payment process after being triggered by the electronic device 100 to execute the payment process. The specific payment amount may be obtained by summarizing all the transaction order information obtained before, or the electronic device 100 may forward the settlement information carrying the payment amount sent by the POS terminal 101 to the payment device 102, which is not limited in this embodiment of the present application. An alternative embodiment of the payment process performed by the payment device 102 is shown in fig. 3, which includes the following steps:
step 601, determining a payment mode. The payment device 102 may be pre-provisioned with a plurality of payment methods, such as face-brushing payment, fingerprint payment, scanned pay code payment, scanned pay-per-view payment, and the like. The payment method may be determined by the consumer performing a selection operation on the payment device 102, for example, the payment device 102 may include a touch display screen for displaying a plurality of payment methods, and the consumer clicks on the touch display screen to select one of the payment methods. Optionally, which payment method is selected may also be determined by information provided by the POS terminal 101, for example, after the POS terminal 101 receives the settlement instruction, an operator of the POS terminal 101 may ask the consumer which payment method the consumer wants to select, determine that the operator selects the payment method at the POS terminal 101, integrate the selected payment method in the settlement information, and further, when the POS terminal 101 executes step 205, send a second message carrying identification information of the payment method to the electronic device 100, and the electronic device 100 forwards the payment method to the payment device 102, so that the payment device 102 can determine which payment method is selected.
Step 602, invoking hardware corresponding to the payment mode, and collecting identity credential information. The identity credential information is a credential paid by the consumer, and the specific content of the identity credential information differs according to different payment methods, for example, if face brushing payment is selected, the identity credential information is a facial photograph of the consumer. Different payment methods call different hardware, for example, face-brushing payment needs to call a camera for shooting the face of a consumer, fingerprint payment needs to call a camera for shooting a fingerprint image of a finger of the consumer, and the like.
Step 603, after the identity credential information is collected, the payment device 102 communicates with a payment mechanism, and the payment mechanism transfers the payment amount from the account of the consumer to the account corresponding to the POS terminal 101, thereby completing the transaction. The payment mechanism may be a bank, a third party payment platform, or the like, which is not limited in this application.
In step 208, after the payment device 102 executes the payment process, a third message is generated according to the payment information and sent to the electronic device 100. Optionally, if the second communication protocol is a protocol capable of bidirectional communication, such as a USB-HID protocol, a third message conforming to the second communication protocol may be generated according to the payment information and sent to the electronic device 100. The payment information includes record information of the payment, for example, the payment information may include part or all of the following information: payment authority code, the credentials issued by the payment authority (e.g., digital signature, etc.), the amount of payment, the time of payment, etc.
In step 209, after receiving the third message, the electronic device 100 parses the third message to obtain payment information, and forwards the payment information to the POS terminal 101. Alternatively, if the first message is sent using the OPOS protocol, the POS terminal 101 cannot receive information using the protocol, and the electronic device 100 may send information to the POS terminal 101 using another communication protocol, such as the USB-HID protocol described above. The electronic device 100 may generate a third message according to the payment information, and send the third message to the POS terminal 101.
The implementation shown in fig. 2 is only an optional implementation of the payment communication method provided in the embodiment of the present application, and fig. 4 is another optional implementation of the payment communication method provided in the embodiment of the present application, which may be implemented in an application scenario as shown in fig. 1, specifically, a POS terminal 101 sends a message to an electronic device 100 using an OPOS protocol, the electronic device 100 sends a message to the POS terminal 101 using a USB-HID protocol, the electronic device 100 and the payment device 102 may communicate with each other through the USB-HID protocol, and the electronic device 100 may send a message to a display device 103 using the OPOS protocol.
As shown in fig. 4, the payment communication method includes the steps of:
step 301, the cashier holds the scanning gun connected with the POS terminal 101 to scan the barcode of the commodity a, and finds the amount of the commodity a in the commodity database.
Step 302, the POS terminal 101 sends a first message carrying the amount of the article a to the electronic device 100.
After step 302 is executed, the electronic device 100 executes step 303 and step 304, and it should be noted that the execution order of step 303 and step 304 is not limited.
In step 303, the electronic device 100 sends the amount of the article a to the payment device 102.
In step 304, the electronic device 100 sends the first message to the display device 103.
After the step 304 is executed, the display device 103 executes a step 305 to display the amount of the article a according to the first message.
In step 306, the POS terminal 101 receives a settlement instruction entered by the cashier.
Step 307, the POS terminal 101 sends a second message carrying the settlement information to the electronic device 100.
After step 307, the electronic device 100 executes step 308 and step 309, and it should be noted that the execution order of step 308 and step 309 is not limited.
At step 308, the electronic device 100 triggers the payment device 102 to perform a payment process.
After performing step 308, payment device 102 performs step 310 to perform a payment process.
After the step 310 is executed, the payment device 102 executes a step 312, and feeds back a third message carrying the payment information to the electronic device 100.
In step 309, the electronic device 100 sends the second message to the display device 103.
After the step 309 is executed, the display device 102 executes a step 311 to display settlement information according to the second message.
After the step 312 is executed, the electronic device 100 acquires the third packet, and may execute the step 313 and the step 315, where it should be noted that the execution sequence of the step 313 and the step 315 is not limited.
In step 313, the electronic device 100 sends the payment information carried in the third message to the display device 103. In an optional implementation manner, the display device 103 uses a first communication protocol, where the first communication protocol is used by a message sent by the POS terminal 101 to the electronic device 100, and the electronic device 100 generates a message conforming to the first communication protocol according to the payment information carried in the third message and sends the message to the display device 103.
In step 314, after receiving the payment information, the display device 103 may display information such as the payment amount in the payment information.
In step 315, since the electronic device 100 and the payment device 102 communicate with each other using the USB-HID protocol, and the electronic device 100 sends a message to the POS terminal 101 using the USB-HID protocol, the electronic device 100 may directly forward the third packet sent by the payment device 102 to the POS terminal 101.
In step 316, after receiving the third message, the POS terminal 101 parses the third message to obtain payment information, and may execute a warehousing procedure according to the payment information, that is, update a database of the POS system in communication with the POS terminal 101, and change the number of goods and the business amount in the POS system accordingly. Optionally, the POS terminal 101 may further switch an interface of the software after receiving the payment information, and display an interface corresponding to completion of the payment.
Before the POS terminal 101 receives the settlement instruction, the steps 301 to 303 may be repeated multiple times to make the electronic device 100 transfer the commodity information received by the POS terminal 101 to the payment device 102. For further explanation, the above process may be explained with reference to the embodiment shown in fig. 5, and as shown in fig. 5, the POS terminal 101 performs the following steps:
in step 401, it is determined that the scanned product code or settlement instruction is received.
Step 402, if the commodity code is determined to be scanned in step 401, the corresponding commodity information is searched according to the commodity code, and then a first message is generated according to the commodity information.
Step 403, sending the first message to the electronic device 100.
After step 403 is performed, return is made to step 401.
Step 404, if it is determined in step 401 that the settlement instruction is received, generating a second message carrying settlement information, where the second message is used to send to the electronic device 100.
As shown in fig. 5, after the POS terminal 101 performs step 403, the electronic device 100 receives the first message, and performs the following steps:
step 501, the first message is analyzed to obtain commodity information.
Step 502, sending the commodity information carried in the first message to the payment device 102.
As described above, before the POS terminal 101 receives the settlement instruction, the POS terminal 101 executes steps 401 to 403 in a loop, for example, before the cashier performs settlement, a plurality of products are scanned one by one with a code scanner, after each time the product code is scanned, steps 402 and 403 are executed, the electronic device 100 transmits the product information to the payment device 102, the payment device 102 stores the received product information, and until it is determined that the settlement instruction is received when step 401 is executed, step 404 is executed, and the loop of steps 401 to 403 is skipped.
The current POS terminal is generally provided with a display device interface of the OPOS protocol for outputting information such as the amount of merchandise, the amount of settlement, and the like to the display device, but since the information cannot be received by the OPOS protocol, the POS terminal may use another protocol: the payment communication method provided by the embodiment of the application can utilize the communication protocol which is usually configured in the POS terminal, obtain transaction order information from the POS terminal, initiate a payment flow of payment equipment after receiving a settlement instruction, and forward the fed-back payment information to the POS terminal after the payment of the payment equipment is completed, so that the two-way communication between the POS terminal and the payment equipment can be realized, the payment equipment is used as a peripheral of the POS terminal to help the POS terminal to complete the payment flow of cash collection, the POS terminal which does not support certain payment modes does not need to be eliminated, the transformation cost can be reduced while the novel payment modes are popularized and used, and the links of manual operation can be reduced.
Note that, the portions not described in detail in the embodiment shown in fig. 4 may be referred to the description in the embodiment shown in fig. 2.
Fig. 6 is a schematic structural diagram of an embodiment of a payment communication apparatus according to the embodiment of the present application, and as shown in fig. 6, the payment communication apparatus may include: a first receiving unit 10, a first transmitting unit 20, a second receiving unit 30, a triggering unit 40, a third receiving unit 50 and a second transmitting unit 60.
The first receiving unit 10 is configured to receive a first message carrying transaction order information sent by a POS terminal, where the transaction order information at least includes a transaction amount; a first transmitting unit 20 for transmitting the transaction order information to the payment device; a second receiving unit 30, configured to receive a second message carrying settlement information sent by the POS terminal; the triggering unit 40 is configured to trigger the payment device to execute a payment process in response to the second message; a third receiving unit 50, configured to receive a third packet carrying payment information and fed back by the payment device after completing the payment process; and a second transmitting unit 60 for transmitting the payment information to the POS terminal.
In one possible implementation manner, the transaction amount is an amount corresponding to the commodity code searched by the POS terminal according to the commodity code.
In one possible implementation manner, the first receiving unit 10 includes: the POS terminal comprises a first receiving module, a second receiving module and a sending module, wherein the first receiving module is used for receiving a plurality of first messages sent by the POS terminal in sequence aiming at a plurality of commodities, and the transaction order information carried by each first message comprises the transaction amount of the corresponding commodity; the first transmission unit 20 includes: and the first sending module is used for sending the corresponding transaction order information to the payment equipment after receiving the first message each time.
In one possible implementation manner, the POS terminal sends a message using a first communication protocol, and the first sending unit 20 includes: the first analysis module is used for analyzing the first message by using a first communication protocol to obtain transaction order information; the first generation module is used for generating a fourth message which accords with the second communication protocol according to the transaction order information; and the second sending module is used for sending the fourth message to the payment equipment.
In one possible implementation manner, the triggering unit 40 includes: the second analysis module is used for analyzing the second message by using the first communication protocol so as to determine that the settlement information is received; the second generation module is used for generating a fifth message which accords with the second communication protocol, wherein the fifth message is used for triggering the payment equipment to execute the payment process; and the third sending module is used for sending the fifth message to the payment equipment.
In one possible implementation, the first communication protocol is a point-of-sale object connection and embedded OPOS protocol.
In one possible implementation manner, the POS terminal receives a packet using a third communication protocol, and the second sending unit 60 includes: the third analysis module is used for analyzing the third message by using the second communication protocol to obtain payment information; the third generation module is used for generating a sixth message which accords with a third communication protocol according to the payment information; and the fourth sending module is used for sending the sixth message to the POS terminal.
In one possible implementation manner, the sixth message is used to trigger a warehousing process of the POS terminal, where the warehousing process is a process initiated after the payment process is determined to be completed and used to update the database of the sales management system.
In one possible implementation, the third communication protocol is a universal serial bus USB-human interface device HID protocol.
In one possible implementation manner, the apparatus further includes: and the third sending unit is used for forwarding the first message to the display equipment after receiving the first message which is sent by the POS terminal and carries the transaction order information, so that the display equipment displays the transaction order information according to the first message.
In one possible implementation manner, the apparatus further includes: and the fourth sending unit is used for forwarding the second message to the display equipment after receiving the second message which is sent by the POS terminal and carries the settlement information, so that the display equipment displays the settlement information according to the second message.
In one possible implementation manner, the apparatus further includes: the analysis unit is used for analyzing the third message by using a second communication protocol after receiving the third message carrying the payment information fed back by the payment equipment after completing the payment process so as to obtain the payment information; the generating unit is used for generating a seventh message which accords with the first communication protocol according to the payment information; and the fifth sending unit is used for sending the seventh message to the display equipment so that the display equipment displays the payment information according to the seventh message.
In one possible implementation manner, the payment process is a face-brushing payment process, a code-scanning payment process or a fingerprint payment process.
The payment communication apparatus provided in the embodiment shown in fig. 6 may be used to implement the technical solutions of the method embodiments shown in fig. 2 to fig. 5 of the present application, and the implementation principle and the technical effects thereof may further refer to the related descriptions in the method embodiments.
The embodiment of the application also provides electronic equipment which can comprise a first interface used for connecting the POS terminal of the point of sale; a second interface for connecting a payment device; at least one processor; and at least one memory communicatively coupled to the processor, wherein: the memory stores program instructions executable by the processor, and the processor calls the program instructions to execute the payment communication method provided in the embodiments of fig. 2 to 3.
Optionally, the electronic device further includes: the third interface is used for connecting the display equipment; the at least one memory communicatively coupled to the processor further stores program instructions executable by the processor, and the processor invokes the program instructions to perform the payment communication method provided in the embodiments of the present application illustrated in fig. 2 to 5.
FIG. 7 illustrates a block diagram of an exemplary electronic device suitable for use in implementing embodiments of the present application. The electronic device shown in fig. 7 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present application.
As shown in fig. 7, the components of the electronic device may include, but are not limited to: a first interface 821 for connecting a point of sale POS terminal; a second interface 822 for connecting a payment device; a third interface 823 for connecting a display device; one or more processors 810, a memory 830, a communication bus 840 that connects the various system components (including the memory 830 and the processing unit 810) and interfaces (including a first interface 821, a second interface 822, and a third interface 823).
The first interface 821 may be the first interface 1001 in fig. 1, the second interface 822 may be the second interface 1002 in fig. 1, the third interface 823 may be the third interface 1004 in fig. 1, and the processor 810 may be the processor 1003 in fig. 1. The POS terminal may be POS terminal 101 of fig. 1, the payment device may be payment device 102 of fig. 1, and the display device may be display device 103 of fig. 1.
The hardware format of the first interface 821 can be RS-232 or USB, the hardware format of the second interface 1002 can be serial (e.g. DB9F hole) or USB, and the hardware format of the third interface 1004 can be RS-232, RS-485, UART, and USB virtual serial. The hardware interfaces are all common standard interfaces at present, and are not described herein.
Communication bus 840 represents one or more of any of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, and a processor or local bus using any of a variety of bus architectures. These architectures include, but are not limited to, Industry Standard Architecture (ISA) bus, Micro Channel Architecture (MAC) bus, enhanced ISA bus, Video Electronics Standards Association (VESA) local bus, and Peripheral Component Interconnect (PCI) bus, to name a few.
Electronic devices typically include a variety of computer system readable media. Such media may be any available media that is accessible by the electronic device and includes both volatile and nonvolatile media, removable and non-removable media.
Memory 830 may include computer system readable media in the form of volatile Memory, such as Random Access Memory (RAM) and/or cache Memory. The electronic device may further include other removable/non-removable, volatile/nonvolatile computer system storage media. Memory 830 may include at least one program product having a set (e.g., at least one) of program modules that are configured to carry out the functions of embodiments of the application.
A program/utility having a set (at least one) of program modules, including but not limited to an operating system, one or more application programs, other program modules, and program data, may be stored in memory 830, each or some combination of which may comprise an implementation of a network environment. The program modules generally perform the functions and/or methodologies of the embodiments described herein.
The processor 810 executes programs stored in the memory 830 to perform various functional applications and data processing, for example, implement the payment communication method provided in the embodiments of fig. 1 to 3.
Embodiments of the present application provide a non-transitory computer-readable storage medium storing computer instructions, where the computer instructions cause the computer to execute a payment communication method provided in the embodiments shown in fig. 2 to 5 in the present application.
The non-transitory computer readable storage medium described above may take any combination of one or more computer readable media. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a Read Only Memory (ROM), an Erasable Programmable Read Only Memory (EPROM), a flash Memory, an optical fiber, a portable compact disc Read Only Memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Computer program code for carrying out operations for embodiments of the present application may be written in any combination of one or more programming languages, including AN object oriented programming language such as Java, Smalltalk, C + +, and conventional procedural programming languages, such as the "C" programming language or similar programming languages.
The foregoing description of specific embodiments of the present application has been presented. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.
In the description of embodiments of the present application, reference to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of embodiments of the present application. In the embodiments of the present application, the schematic representations of the terms described above are not necessarily intended to be the same embodiments or examples. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, the various embodiments or examples and features of the various embodiments or examples described in this application can be combined and combined by those skilled in the art without conflicting.
Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In the description of the embodiments of the present application, "a plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.
Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing steps of a custom logic function or process, and alternate implementations are included within the scope of the preferred embodiment of the present application in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the embodiments of the present application.
The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination" or "in response to a detection", depending on the context. Similarly, the phrases "if determined" or "if detected (a stated condition or event)" may be interpreted as "when determined" or "in response to a determination" or "when detected (a stated condition or event)" or "in response to a detection (a stated condition or event)", depending on the context.
It should be noted that the terminal according to the embodiments of the present application may include, but is not limited to, a Personal Computer (Personal Computer; hereinafter, referred to as PC), a Personal Digital Assistant (Personal Digital Assistant; hereinafter, referred to as PDA), a wireless handheld device, a Tablet Computer (Tablet Computer), a mobile phone, an MP3 player, an MP4 player, and the like.
In the several embodiments provided in the embodiments of the present application, it should be understood that the disclosed system, apparatus, and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and there may be other divisions in actual implementation, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, or in a form of hardware plus a software functional unit.
The integrated unit implemented in the form of a software functional unit may be stored in a computer readable storage medium. The software functional unit is stored in a storage medium and includes several instructions to enable a computer device (which may be a personal computer, a server, or a network device) or a Processor (Processor) to execute some steps of the methods described in the embodiments of the present application. And the aforementioned storage medium includes: a U disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The above description is only for the purpose of illustrating the preferred embodiments of the present application and is not intended to limit the present application, and any modifications, equivalents, improvements, etc. made within the spirit and principle of the present application shall be included in the scope of the present application.

Claims (17)

1. A payment communication method, wherein the payment communication method comprises:
receiving a first message which is sent by a point-of-sale (POS) terminal and carries transaction order information, wherein the transaction order information at least comprises a transaction amount;
sending the transaction order information to a payment device;
receiving a second message which is sent by the POS terminal and carries settlement information;
triggering the payment equipment to execute a payment process in response to the second message;
receiving a third message carrying payment information fed back by the payment equipment after the payment process is completed;
and sending the payment information to the POS terminal.
2. The method of claim 1, wherein the transaction amount is an amount corresponding to the merchandise code looked up by the POS terminal from the merchandise code.
3. The method of claim 2, wherein,
the receiving of the first message carrying the transaction order information sent by the POS terminal includes: receiving a plurality of first messages which are sequentially sent by the POS terminal aiming at a plurality of commodities, wherein the transaction order information carried by each first message comprises the transaction amount of the corresponding commodity;
the sending the transaction order information to a payment device includes: and after the first message is received each time, sending the corresponding transaction order information to the payment equipment.
4. The method of any of claims 1-3, wherein the POS terminal sending a message using a first communication protocol, the sending the transaction order information to a payment device, comprising:
analyzing the first message by using the first communication protocol to obtain the transaction order information;
generating a fourth message according with a second communication protocol according to the transaction order information;
and sending the fourth message to the payment equipment.
5. The method of claim 4, wherein the triggering the payment device to perform a payment procedure in response to the second message comprises:
analyzing the second message by using the first communication protocol to determine that the settlement information is received;
generating a fifth message in accordance with the second communication protocol, wherein the fifth message is used for triggering the payment device to execute a payment process;
and sending the fifth message to the payment equipment.
6. The method of claim 4 or 5, wherein the first communication protocol is a point of sale object connection and embedded OPOS protocol.
7. The method of any of claims 4-6, wherein the POS terminal receiving a message using a third communication protocol, the sending the payment information to the POS terminal, comprises:
analyzing the third message by using the second communication protocol to obtain the payment information;
generating a sixth message according with the third communication protocol according to the payment information;
and sending the sixth message to the POS terminal.
8. The method according to claim 7, wherein the sixth message is used for triggering a warehousing process of the POS terminal, wherein the warehousing process is a process for updating a database of a sales management system initiated after determining that a payment process is completed.
9. The method of claim 7 or 8, wherein the third communication protocol is a Universal Serial Bus (USB) -Human Interface Device (HID) protocol.
10. The method according to any one of claims 4 to 10, wherein after receiving the first message carrying the transaction order information sent by the POS terminal, the method further comprises:
and forwarding the first message to display equipment so that the display equipment displays the transaction order information according to the first message.
11. The method of claim 10, wherein after receiving the second message carrying settlement information sent by the POS terminal, the method further comprises:
and forwarding the second message to the display equipment so that the display equipment displays the settlement information according to the second message.
12. The method according to claim 10 or 11, wherein after receiving a third message carrying payment information fed back by the payment device after completing the payment process, the method further comprises:
analyzing the third message by using the second communication protocol to obtain the payment information;
generating a seventh message according with the first communication protocol according to the payment information;
and sending the seventh message to the display device, so that the display device displays the payment information according to the seventh message.
13. The method of any one of claims 1-12, wherein the payment process is a face-swipe payment process, a code-swipe payment process, or a fingerprint payment process.
14. A payment communication device, wherein the payment communication device comprises:
the POS terminal comprises a first receiving unit, a second receiving unit and a sending unit, wherein the first receiving unit is used for receiving a first message which is sent by the POS terminal and carries transaction order information, and the transaction order information at least comprises transaction amount;
the first sending unit is used for sending the transaction order information to payment equipment;
a second receiving unit, configured to receive a second message carrying settlement information sent by the POS terminal;
the triggering unit is used for responding to the second message and triggering the payment equipment to execute a payment process;
a third receiving unit, configured to receive a third packet carrying payment information and fed back by the payment device after the payment process is completed;
and the second sending unit is used for sending the payment information to the POS terminal.
15. An electronic device, wherein the electronic device comprises:
a first interface for connecting a point of sale (POS) terminal;
a second interface for connecting a payment device;
at least one processor; and
at least one memory communicatively coupled to the processor, wherein:
the memory stores program instructions executable by the processor, the processor invoking the program instructions to perform the method of any of claims 1 to 9.
16. The electronic device of claim 15, wherein the electronic device further comprises:
the third interface is used for connecting the display equipment;
at least one memory communicatively connected to the processor further stores program instructions executable by the processor, the processor invoking the program instructions to perform the method of any of claims 1-13.
17. A non-transitory computer-readable storage medium, wherein the non-transitory computer-readable storage medium stores computer instructions that cause the computer to perform the method of any of claims 1-13.
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