CN114220214B - Method and system for collecting payment packet with electronic signature by POS machine - Google Patents
Method and system for collecting payment packet with electronic signature by POS machine Download PDFInfo
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- CN114220214B CN114220214B CN202111405713.2A CN202111405713A CN114220214B CN 114220214 B CN114220214 B CN 114220214B CN 202111405713 A CN202111405713 A CN 202111405713A CN 114220214 B CN114220214 B CN 114220214B
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- 238000000034 method Methods 0.000 title claims abstract description 36
- 238000004891 communication Methods 0.000 claims description 33
- 238000012545 processing Methods 0.000 claims description 12
- 238000004080 punching Methods 0.000 description 18
- 238000007781 pre-processing Methods 0.000 description 9
- 238000012546 transfer Methods 0.000 description 4
- 230000005540 biological transmission Effects 0.000 description 2
- 238000010586 diagram Methods 0.000 description 2
- 230000003993 interaction Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 239000002699 waste material Substances 0.000 description 1
Classifications
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0873—Details of the card reader
- G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/03—Protecting confidentiality, e.g. by encryption
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W76/00—Connection management
- H04W76/10—Connection setup
- H04W76/14—Direct-mode setup
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- Engineering & Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Computer Security & Cryptography (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Cash Registers Or Receiving Machines (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a method and a system for collecting a payment packet with an electronic signature by a POS machine for card swiping, wherein the POS machine for card swiping and payment equipment are preprocessed in a Bluetooth connection mode and confirmed by NFC card swiping of the payment equipment for card swiping, the payment packet with the electronic signature is sent to a background server, the POS machine for card swiping and payment equipment are preprocessed in a Bluetooth connection mode and confirmed by NFC card swiping of the payment equipment, and the excessive fee for the fee is returned to the payment equipment by the background server when the POS machine for card swiping is in a vehicle-off state, so that the problem that the existing POS machine cannot collect the payment packet with the electronic signature, the problem that the transaction process of the payment packet with the electronic signature is too slow to wait is solved, and meanwhile, the problem that even if a user forgets to swipe the card, the fee can be normally obtained is also solved.
Description
Technical Field
The invention relates to the technical field of electronics, in particular to a method and a system for collecting a payment packet with an electronic signature by a POS machine for swiping a card.
Background
The existing traffic card reader only supports card reading or code scanning riding, does not support other payment modes, and if other novel payment modes are to be realized on the traffic card reader, the cost of uniformly replacing the traffic card reader is high and resource waste is easy to cause, so that the problem of how to realize riding through other novel electronic payment modes is to be solved under the condition that the structure and the program of the traffic card reader are not changed.
Disclosure of Invention
The present invention aims to solve the above-mentioned problems.
The invention mainly aims to provide a method for collecting a payment packet with an electronic signature by a POS machine for swiping a card;
another object of the present invention is to provide a system for collecting payment packages with electronic signatures at a point-of-sale POS.
In order to achieve the above purpose, the technical scheme of the invention is specifically realized as follows:
In one aspect, the invention provides a method for receiving a payment packet with an electronic signature by a POS machine for swiping a card, comprising the following steps: the get-on card POS machine and the get-off card POS machine send a connection establishment instruction in a Bluetooth communication mode; the payment equipment establishes Bluetooth connection with the get-on card swiping POS machine and the get-off card swiping POS machine in a Bluetooth communication mode; the get-on card swiping POS machine sends a get-on card reading instruction to the payment equipment through Bluetooth connection; the payment equipment receives a card reading instruction of getting on a car through Bluetooth connection, acquires payment equipment information, and sends the payment equipment information to a POS machine of swiping a card on the car through Bluetooth connection, wherein the payment equipment information comprises: a payment device identification and a payment device balance; the POS machine of punching card of getting on a bus receives payment equipment information through bluetooth connection, sends the initialization request of getting on a bus to payment equipment through bluetooth connection, and wherein, the initialization request of getting on a bus includes: boarding station point information; the payment equipment receives a get-on initialization request through Bluetooth connection, stores get-on station information, generates a get-on initialization response, and sends the get-on initialization response to a get-on POS machine through Bluetooth connection, wherein the get-on initialization response comprises: boarding station point information; the get-on POS machine receives a get-on initialization response through Bluetooth connection, generates a get-on consumption request, and sends the get-on consumption request to the payment equipment through Bluetooth connection, wherein the get-on consumption request comprises get-on deduction information, the get-on deduction information comprises a get-on deduction amount, and the get-on deduction amount is a ticket price from a get-on station to a terminal station; the payment device receives a get-on consumption request through Bluetooth connection, executes a deduction operation of a payment packet with an electronic signature according to get-on deduction information, and generates deduction data, wherein the deduction data comprises: the payment package with the electronic signature of the deduction and the deduction certificate obtained by processing the payment package with the electronic signature of the deduction are processed; the card-swiping POS machine receives card-swiping information in an NFC communication mode, judges whether the card-swiping information is that a card is swiped or that a payment device is swiped according to the card-swiping information, executes a card-swiping flow of the card if the card is swiped, and sends a deduction request to a background server if the card is swiped by the payment device; the background server receives the deduction request and sends the deduction request to the payment equipment through network connection; the payment equipment receives a deduction request through network connection, and sends deduction data to a background server through network connection; the background server receives the deduction data through network connection and stores the deduction data; the get-off POS machine sends a get-off card reading instruction to the payment equipment through Bluetooth connection; the payment equipment receives a get-off card reading instruction through Bluetooth connection, acquires payment equipment information, and sends the payment equipment information to a get-off card swiping POS machine through Bluetooth connection, wherein the payment equipment information comprises: a payment device identification and a payment device balance; the POS machine of punching card of getting off receives payment equipment information through bluetooth connection, sends the initialization request of getting off to payment equipment through bluetooth connection, and wherein, the initialization request of getting off includes: information of a departure station point; the payment equipment receives a get-off initialization request through Bluetooth connection, stores get-off station information, generates a get-off initialization response, and sends the get-off initialization response to a get-off POS machine through Bluetooth connection, wherein the get-off initialization response comprises: boarding station information and disembarking station information; the POS machine for swiping the card of the vehicle receives a vehicle-off initialization response through Bluetooth connection and generates a vehicle-off refund request, wherein the vehicle-off refund request comprises vehicle-off refund information, the vehicle-off refund information comprises vehicle-off refund amount, and the vehicle-off refund amount is calculated according to the vehicle-on station information and the vehicle-off station information; the get-off POS machine receives the card swiping information in an NFC communication mode, judges whether the card swiping information is the one-card swiping or the payment equipment swiping, executes the one-card swiping flow if the card swiping information is the one-card swiping, and sends a get-off refund request to a background server if the card swiping information is the payment equipment swiping; the background server receives the get-off refund request, executes the settlement operation of the payment packet with the electronic signature, and generates settlement data, wherein the settlement data comprises the refund payment packet with the electronic signature and a settlement certificate obtained by processing the refund payment packet with the electronic signature; transmitting settlement data to the payment device through a network connection; the payment device receives settlement data through the network connection and stores the settlement data.
Wherein the method further comprises: the payment equipment and the on-board card swiping POS machine and the off-board card swiping POS machine are mutually verified.
Wherein the method further comprises: the background server and the payment device perform mutual authentication.
In another aspect, the present invention provides a system for collecting a payment packet with an electronic signature from a card swiping POS machine, including: the get-on card POS machine and the get-off card POS machine are respectively used for sending a connection establishment instruction in a Bluetooth communication mode; the payment equipment is used for establishing Bluetooth connection with the get-on card POS machine and the get-off card POS machine in a Bluetooth communication mode; the card-swiping POS machine is also used for sending a card-reading instruction to the payment equipment through Bluetooth connection; the payment equipment is also used for receiving a card reading instruction of getting on a car through Bluetooth connection, acquiring payment equipment information, and sending the payment equipment information to a card swiping POS machine of getting on the car through Bluetooth connection, wherein the payment equipment information comprises: a payment device identification and a payment device balance; the POS machine of punching card of getting on a bus is still used for receiving payment equipment information through bluetooth connection, sends the initialization request of getting on a bus to payment equipment through bluetooth connection, and wherein, the initialization request of getting on a bus includes: boarding station point information; the payment equipment is also used for receiving a get-on initialization request through Bluetooth connection, storing get-on station information, generating a get-on initialization response, and sending the get-on initialization response to the get-on POS machine through Bluetooth connection, wherein the get-on initialization response comprises: boarding station point information; the get-on POS machine is further used for receiving a get-on initialization response through Bluetooth connection, generating a get-on consumption request, and sending the get-on consumption request to the payment equipment through Bluetooth connection, wherein the get-on consumption request comprises get-on deduction information, the get-on deduction information comprises a get-on deduction amount, and the get-on deduction amount is the ticket price from a get-on station to a terminal; the payment device is further configured to receive a get-on consumption request through a bluetooth connection, execute a deduction operation of a payment packet with an electronic signature according to get-on deduction information, and generate deduction data, where the deduction data includes: the payment package with the electronic signature of the deduction and the deduction certificate obtained by processing the payment package with the electronic signature of the deduction are processed; the card-swiping POS machine is also used for receiving card-swiping information in an NFC communication mode, judging whether the card-swiping information is that the card-swiping is performed by the one-card or the payment equipment is performed by the payment equipment according to the card-swiping information, executing the card-swiping flow of the one-card if the card-swiping is performed by the one-card, and sending a deduction request to a background server if the card-swiping is performed by the payment equipment; the background server is used for receiving the deduction request and sending the deduction request to the payment equipment through network connection; the payment equipment is also used for receiving a deduction request through network connection and sending deduction data to the background server through network connection; the background server is also used for receiving the deduction data through network connection and storing the deduction data; the get-off POS machine is also used for sending a get-off card reading instruction to the payment equipment through Bluetooth connection; the payment equipment is also used for receiving a get-off card reading instruction through Bluetooth connection, acquiring payment equipment information, and sending the payment equipment information to a get-off card swiping POS machine through Bluetooth connection, wherein the payment equipment information comprises: a payment device identification and a payment device balance; the POS machine of punching card of getting off is still used for receiving payment equipment information through bluetooth connection, sends the initialization request of getting off to payment equipment through bluetooth connection, and wherein, the initialization request of getting off includes: information of a departure station point; the payment equipment is also used for receiving a get-off initialization request through Bluetooth connection, storing get-off station information, generating a get-off initialization response, and sending the get-off initialization response to a get-off POS machine through Bluetooth connection, wherein the get-off initialization response comprises: boarding station information and disembarking station information; the get-off POS machine is also used for receiving a get-off initialization response through Bluetooth connection and generating a get-off refund request, wherein the get-off refund request comprises get-off refund information, the get-off refund information comprises a get-off refund amount, and the get-off refund amount is calculated according to the get-on station information and the get-off station information; receiving card swiping information in an NFC communication mode, judging whether the card swiping information is the card swiping of the one-card or the card swiping of the payment equipment according to the card swiping information, executing the one-card swiping flow if the card swiping information is the card swiping of the one-card, and sending a get-off refund request to a background server if the card swiping information is the card swiping of the payment equipment; the background server is also used for receiving a get-off refund request, executing the settlement operation of the payment packet with the electronic signature, and generating settlement data, wherein the settlement data comprises the refund payment packet with the electronic signature and a settlement certificate obtained by processing the refund payment packet with the electronic signature; transmitting settlement data to the payment device through a network connection; the payment device is also used for receiving settlement data through network connection and storing the settlement data.
The payment equipment is also used for mutual authentication with the on-board card swiping POS machine and the off-board card swiping POS machine.
The background server is also used for mutual authentication with the payment equipment.
According to the technical scheme provided by the invention, the method and the system for collecting the payment package with the electronic signature by the POS machine of the card swiping are provided, when the user gets on, the POS machine of the card swiping and the payment device are used for preprocessing through a Bluetooth connection mode, the payment device NFC card swiping is used for confirming, the payment package with the electronic signature is sent to the background server, when the user gets off, the POS machine of the card swiping and the payment device are used for preprocessing through the Bluetooth connection mode, the payment device NFC card swiping is used for confirming, and the fee with the excessive fee of the prepayment is returned to the payment device through the background server, so that the problem that the existing POS machine cannot collect the payment package with the electronic signature is solved, the problem that the transaction process of the payment package with the electronic signature is too slow to wait is solved, and meanwhile, the problem that the user can get the fee normally even though the user forgets to swipe the card is also guaranteed.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the description of the embodiments will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a schematic structural diagram of a system for receiving a payment packet with an electronic signature by a card swiping POS machine according to an embodiment of the invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are only some, but not all embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to fall within the scope of the invention.
Embodiments of the present invention will be described in further detail below with reference to the accompanying drawings.
Fig. 1 is a schematic structural diagram of a system for receiving a payment packet with an electronic signature by a card swiping POS machine according to an embodiment of the invention, referring to fig. 1, the system for receiving a payment packet with an electronic signature by a card swiping POS machine according to an embodiment of the invention includes: the system comprises an upper car POS machine, a lower car POS machine, a background server and payment equipment;
the upper car POS machine and the lower car POS machine can be set as the existing bus POS machine, subway POS machine and the like; the background server is equipment which is arranged for a public transport company or a subway company and used for collecting payment packets with electronic signatures; the payment device is a device that is hand-held by the user, which is a secure hardware device that stores payment packages with electronic signatures.
The on-board POS machine and the off-board POS machine are provided with a Bluetooth communication module and an NFC communication module, the on-board POS machine and the off-board POS machine can realize the on-board POS through the NFC communication module and the existing one-card, meanwhile, the pre-processing of deduction of the payment package with the electronic signature can be established through the Bluetooth communication module and the payment device, and then the on-board POS machine and the off-board POS machine receive the on-board information of the payment device through the NFC communication module so as to confirm the execution of the transaction of the payment package with the electronic signature. The background server and the payment device may establish a connection through a network, for example, 4G, 5G, WIFI, internet of things, etc., which is not particularly limited in the present invention. The background server completes the transfer of the payment package with the electronic signature through the network, so that the payment equipment can leave the on-board POS machine or off-board POS machine after the card swiping is completed, and the problem of low card swiping efficiency caused by slower transfer of the payment package with the electronic signature is avoided.
The upper card swiping POS machine and the lower card swiping POS machine in the embodiment can be the same card swiping POS machine, or can be a plurality of card swiping POS machines on the same bus, namely, the upper card swiping POS machine is one, and the lower card swiping POS machine is the same or the other; therefore, the card-swiping POS devices in this embodiment may be the same or different, which is not particularly limited in the present invention.
On the basis of the system for receiving the payment packet with the electronic signature by the card-swiping POS machine provided by the embodiment of the invention, the following provides a flow of a method for receiving the payment packet with the electronic signature by the card-swiping POS machine, which comprises the following steps: and a process of getting on and off the vehicle to swipe cards.
The process of getting on the bus and swiping the card executes the pre-deduction, namely the whole-process expense from the getting-on station to the terminal, and the process of getting off the bus and swiping the card executes the refund process, namely refund the expense from the getting-off station to the terminal. If the get-off station is the terminal station, the refund is 0 yuan.
The following provides a specific card swiping process:
s1, sending a connection establishment instruction by a get-on card POS machine and a get-off card POS machine in a Bluetooth communication mode;
S2, the payment equipment establishes Bluetooth connection with the get-on card POS machine and the get-off card POS machine in a Bluetooth communication mode.
Specifically, when the user holds the payment device close to the bus to be on-board, the payment device and the POS machine can be connected through Bluetooth, so that preprocessing work before transferring a payment packet with an electronic signature is conducted through Bluetooth connection, and time is saved.
As an optional implementation manner of the embodiment of the invention, the method for collecting the payment packet with the electronic signature by the POS machine for punching the card provided by the embodiment of the invention further comprises the following steps: the payment equipment and the on-board card swiping POS machine and the off-board card swiping POS machine are mutually verified. Specifically, mutual authentication can be realized between the payment device and the POS machine through certificate authentication, signature authentication and other modes, which is not particularly limited in the invention. Therefore, the safety of data transmission between the payment equipment and the POS machine for swiping the card can be ensured.
S3, the get-on POS machine sends a get-on card reading instruction to the payment equipment through Bluetooth connection;
S4, the payment equipment receives a get-on card reading instruction through Bluetooth connection, acquires payment equipment information, and sends the payment equipment information to a get-on card swiping POS machine through Bluetooth connection, wherein the payment equipment information comprises: payment device identification and payment device balance.
Specifically, the POS machine and the payment device for card swiping on the bus can transmit data in a Bluetooth communication mode, and the sending and feedback of the instruction are completed. The identification information of the payment device may be unique identification information such as a product serial number of the payment device, and the product serial number may uniquely identify the payment device. Meanwhile, the POS machine for card swiping on the bus is convenient to determine whether the balance supports card swiping at this time.
S5, the get-on POS machine receives payment equipment information through Bluetooth connection, and sends a get-on initialization request to the payment equipment through Bluetooth connection, wherein the get-on initialization request comprises: boarding station point information;
S6, the payment equipment receives a get-on initialization request through Bluetooth connection, stores get-on station information, generates a get-on initialization response, and sends the get-on initialization response to a get-on POS machine through Bluetooth connection, wherein the get-on initialization response comprises: and (5) boarding station point information.
Specifically, when a user swipes a card on a bus, the get-on POS machine can send get-on station information to payment equipment of the user, the payment equipment stores the get-on station information, specifically, the payment equipment can write the get-on station information into a data frame according to a preset format and feed back the data frame written with the get-on station information to the get-on POS machine, so that the get-on POS machine can be informed that the get-on POS machine has stored the get-on station information.
S7, receiving a boarding initialization response by the boarding POS machine through Bluetooth connection, generating a boarding consumption request, and sending the boarding consumption request to payment equipment through Bluetooth connection, wherein the boarding consumption request comprises boarding deduction information, the boarding deduction information comprises boarding deduction amount, and the boarding deduction amount is ticket price from a boarding station to a terminal station;
s8, the payment equipment receives a get-on consumption request through Bluetooth connection, executes deduction operation of a payment packet with an electronic signature according to get-on deduction information, and generates deduction data, wherein the deduction data comprises: the deduction certificate is obtained by processing the deducted payment packet with the electronic signature and the deducted payment packet with the electronic signature.
Specifically, when the user gets off the bus to swipe the card, the full fare from the get-on station to the terminal is deducted in advance, so that the situation that the user cannot pay when the user gets off the bus to swipe the card is avoided.
S9, the card swiping POS machine receives card swiping information in an NFC communication mode, judges whether the card swiping information is the card swiping of the one-card or the card swiping of the payment equipment according to the card swiping information, executes the card swiping flow of the one-card if the card swiping is the card swiping of the one-card, and sends a deduction request to the background server if the card swiping is the card swiping of the payment equipment.
Specifically, the card swiping POS machine receives card swiping information in an NFC communication mode, at the moment, whether the card swiping is carried out by the one-card or the payment equipment is judged, if the card swiping is carried out by the one-card, the existing one-card swiping flow is executed, and if the card swiping is carried out by the payment equipment, the payment equipment is considered to confirm the deduction, so that a deduction request is sent to the background server, and the deduction flow is executed between the background server and the payment equipment directly.
S10, the background server receives the deduction request and sends the deduction request to the payment equipment through network connection;
s11, the payment equipment receives a deduction request through network connection, and sends deduction data to a background server through network connection;
S12, the background server receives the deduction data through network connection and stores the deduction data.
Specifically, the background server sends the deduction request to the payment device through the network connection, and because the payment device has performed the pre-processing flow of deduction in advance, the payment device can send the deduction data to the background server through the network connection so that the background server stores the deduction data, thereby improving the efficiency of transferring the payment packet with the electronic signature.
As an optional implementation manner of the embodiment of the invention, the method for collecting the payment packet with the electronic signature by the POS machine for punching the card provided by the embodiment of the invention further comprises the following steps: the background server and the payment device perform mutual authentication. Specifically, mutual authentication can be achieved between the payment device and the background server through certificate authentication, signature authentication and other modes, which is not particularly limited in the invention. Thereby ensuring the security of data transmission between the payment device and the background server.
S13, the get-off POS machine sends a get-off card reading instruction to the payment equipment through Bluetooth connection;
S14, the payment equipment receives a get-off card reading instruction through Bluetooth connection, acquires payment equipment information, and sends the payment equipment information to a get-off card swiping POS machine through Bluetooth connection, wherein the payment equipment information comprises: a payment device identification and a payment device balance;
S15, the get-off POS machine receives payment equipment information through Bluetooth connection, and sends a get-off initialization request to the payment equipment through Bluetooth connection, wherein the get-off initialization request comprises: information of a departure station point;
S16, the payment equipment receives a get-off initialization request through Bluetooth connection, stores get-off station information, generates a get-off initialization response, and sends the get-off initialization response to a get-off POS machine through Bluetooth connection, wherein the get-off initialization response comprises: boarding station information and disembarking station information;
s17, receiving a get-off initialization response by the get-off POS machine through Bluetooth connection, and generating a get-off refund request, wherein the get-off refund request comprises get-off refund information, and the get-off refund information comprises a get-off refund amount calculated according to the get-on station information and the get-off station information.
Specifically, in the process of getting off and swiping cards, the getting off and swiping cards POS machine and the payment equipment are similar in data interaction in a Bluetooth communication mode, the getting off and swiping cards POS machine needs to send a getting off initialization request so that the payment equipment stores getting off station point information, and the payment equipment returns the getting off station point information to the getting off and swiping cards POS machine, so that the getting off and swiping cards POS machine can acquire the getting on station point information and the getting off station point information, and the getting off and swiping cards POS machine can calculate the refund amount conveniently.
S18, the get-off POS machine receives card swiping information in an NFC communication mode, judges whether the card swiping information is the one-card swiping or the payment equipment swiping, executes the one-card swiping process if the card swiping is the one-card swiping, and sends a get-off refund request to the background server if the card swiping is the payment equipment swiping.
Specifically, the get-off POS machine receives card swiping information in an NFC communication mode, at the moment, whether the card swiping is carried out by the one-card or the payment equipment is judged, if the card swiping is carried out by the one-card, the existing one-card swiping flow is executed, and if the card swiping is carried out by the payment equipment, the payment equipment is considered to confirm refund, so that a refund request is sent to the background server, and the refund flow is executed between the background server and the payment equipment directly.
S19, the background server receives the get-off refund request, executes the settlement operation of the payment packet with the electronic signature, and generates settlement data, wherein the settlement data comprises the refund payment packet with the electronic signature and a settlement certificate obtained by processing the refund payment packet with the electronic signature; transmitting settlement data to the payment device through a network connection;
S20, the payment equipment receives settlement data through network connection and stores the settlement data.
Specifically, after receiving the refund request, the background server may execute a payment packet settlement operation with an electronic signature, and then send settlement data to the payment device through network connection, where the payment device obtains a returned payment packet with the electronic signature, so as to complete the riding transaction. The background server directly performs payment package transfer with the electronic signature with the payment equipment, so that the efficiency of payment package transfer with the electronic signature is improved. Avoiding waiting for getting on or getting off the car to swipe the card.
Therefore, the method for collecting the payment package with the electronic signature through the POS machine for punching the card provided by the invention can be used for preprocessing through a Bluetooth connection mode between the POS machine for punching the card and the payment device when the user gets on, confirming through NFC card punching of the payment device, carrying out boarding pre-deduction, sending the payment package with the electronic signature to the background server, preprocessing through the Bluetooth connection mode between the POS machine for punching the card and the payment device when the user gets off, confirming through NFC card punching of the payment device, returning the expense with the pre-deduction to the payment device through the background server, thereby solving the problem that the existing POS machine cannot collect the payment package with the electronic signature, solving the problem that the transaction process of the payment package with the electronic signature is too slow to wait, and simultaneously ensuring that the user can obtain the expense normally even though the user gets off and forgets to punch the card.
The following describes, with reference to fig. 1, the structure of a system for collecting a payment packet with an electronic signature by a card-swiping POS machine according to the embodiment of the present invention on the basis of the method for collecting a payment packet with an electronic signature by a card-swiping POS machine according to the embodiment, and other less matters, please refer to the related description of the method for collecting a payment packet with an electronic signature by a card-swiping POS machine according to the embodiment of the present invention, where the system for collecting a payment packet with an electronic signature by a card-swiping POS machine according to the embodiment of the present invention includes: the system comprises a card-swiping POS machine for getting on a car, a card-swiping POS machine for getting off the car, a background server and payment equipment. Wherein:
The get-on card POS machine and the get-off card POS machine are respectively used for sending a connection establishment instruction in a Bluetooth communication mode;
The payment equipment is used for establishing Bluetooth connection with the get-on card POS machine and the get-off card POS machine in a Bluetooth communication mode;
the card-swiping POS machine is also used for sending a card-reading instruction to the payment equipment through Bluetooth connection;
the payment equipment is also used for receiving a card reading instruction of getting on a car through Bluetooth connection, acquiring payment equipment information, and sending the payment equipment information to a card swiping POS machine of getting on the car through Bluetooth connection, wherein the payment equipment information comprises: a payment device identification and a payment device balance;
the POS machine of punching card of getting on a bus is still used for receiving payment equipment information through bluetooth connection, sends the initialization request of getting on a bus to payment equipment through bluetooth connection, and wherein, the initialization request of getting on a bus includes: boarding station point information;
The payment equipment is also used for receiving a get-on initialization request through Bluetooth connection, storing get-on station information, generating a get-on initialization response, and sending the get-on initialization response to the get-on POS machine through Bluetooth connection, wherein the get-on initialization response comprises: boarding station point information;
The get-on POS machine is further used for receiving a get-on initialization response through Bluetooth connection, generating a get-on consumption request, and sending the get-on consumption request to the payment equipment through Bluetooth connection, wherein the get-on consumption request comprises get-on deduction information, the get-on deduction information comprises a get-on deduction amount, and the get-on deduction amount is the ticket price from a get-on station to a terminal;
The payment device is further configured to receive a get-on consumption request through a bluetooth connection, execute a deduction operation of a payment packet with an electronic signature according to get-on deduction information, and generate deduction data, where the deduction data includes: the payment package with the electronic signature of the deduction and the deduction certificate obtained by processing the payment package with the electronic signature of the deduction are processed;
the card-swiping POS machine is also used for receiving card-swiping information in an NFC communication mode, judging whether the card-swiping information is that the card-swiping is performed by the one-card or the payment equipment is performed by the payment equipment according to the card-swiping information, executing the card-swiping flow of the one-card if the card-swiping is performed by the one-card, and sending a deduction request to a background server if the card-swiping is performed by the payment equipment;
the background server is used for receiving the deduction request and sending the deduction request to the payment equipment through network connection;
the payment equipment is also used for receiving a deduction request through network connection and sending deduction data to the background server through network connection;
The background server is also used for receiving the deduction data through network connection and storing the deduction data;
The get-off POS machine is also used for sending a get-off card reading instruction to the payment equipment through Bluetooth connection;
The payment equipment is also used for receiving a get-off card reading instruction through Bluetooth connection, acquiring payment equipment information, and sending the payment equipment information to a get-off card swiping POS machine through Bluetooth connection, wherein the payment equipment information comprises: a payment device identification and a payment device balance;
The POS machine of punching card of getting off is still used for receiving payment equipment information through bluetooth connection, sends the initialization request of getting off to payment equipment through bluetooth connection, and wherein, the initialization request of getting off includes: information of a departure station point;
the payment equipment is also used for receiving a get-off initialization request through Bluetooth connection, storing get-off station information, generating a get-off initialization response, and sending the get-off initialization response to a get-off POS machine through Bluetooth connection, wherein the get-off initialization response comprises: boarding station information and disembarking station information;
The get-off POS machine is also used for receiving a get-off initialization response through Bluetooth connection and generating a get-off refund request, wherein the get-off refund request comprises get-off refund information, the get-off refund information comprises a get-off refund amount, and the get-off refund amount is calculated according to the get-on station information and the get-off station information; receiving card swiping information in an NFC communication mode, judging whether the card swiping information is the card swiping of the one-card or the card swiping of the payment equipment according to the card swiping information, executing the one-card swiping flow if the card swiping information is the card swiping of the one-card, and sending a get-off refund request to a background server if the card swiping information is the card swiping of the payment equipment;
The background server is also used for receiving a get-off refund request, executing a payment packet settlement operation with an electronic signature, and generating settlement data, wherein the settlement data comprises a refund payment packet with the electronic signature and a settlement certificate obtained by processing the refund payment packet with the electronic signature; transmitting settlement data to the payment device through a network connection;
The payment device is also used for receiving settlement data through network connection and storing the settlement data.
As an optional implementation manner of the embodiment of the invention, the payment equipment is also used for mutual authentication with the on-board card swiping POS machine and the off-board card swiping POS machine.
As an alternative implementation of the embodiment of the present invention, the background server is further configured to perform mutual authentication with the payment device.
Therefore, the method for collecting the payment package with the electronic signature through the POS machine for punching the card provided by the invention can be used for preprocessing through a Bluetooth connection mode between the POS machine for punching the card and the payment device when the user gets on, confirming through NFC card punching of the payment device, carrying out boarding pre-deduction, sending the payment package with the electronic signature to the background server, preprocessing through the Bluetooth connection mode between the POS machine for punching the card and the payment device when the user gets off, confirming through NFC card punching of the payment device, returning the expense with the pre-deduction to the payment device through the background server, thereby solving the problem that the existing POS machine cannot collect the payment package with the electronic signature, solving the problem that the transaction process of the payment package with the electronic signature is too slow to wait, and simultaneously ensuring that the user can obtain the expense normally even though the user gets off and forgets to punch the card.
Although embodiments of the present invention have been shown and described above, it will be understood that the above embodiments are illustrative and not to be construed as limiting the invention, and that variations, modifications, alternatives, and variations may be made in the above embodiments by those skilled in the art without departing from the spirit and principles of the invention. The scope of the invention is defined by the appended claims and equivalents thereof.
Claims (6)
1. A method for a point-of-sale, POS, machine to collect a payment package having an electronic signature, comprising:
The get-on card POS machine and the get-off card POS machine send a connection establishment instruction in a Bluetooth communication mode;
the payment equipment establishes Bluetooth connection with the get-on card swiping POS machine and the get-off card swiping POS machine in the Bluetooth communication mode;
the get-on card swiping POS machine sends a get-on card reading instruction to the payment equipment through the Bluetooth connection;
The payment equipment receives the get-on card reading instruction through the Bluetooth connection, acquires payment equipment information, and sends the payment equipment information to the get-on card swiping POS machine through the Bluetooth connection, wherein the payment equipment information comprises: a payment device identification and a payment device balance;
the get-on POS machine receives the payment equipment information through the Bluetooth connection, and sends a get-on initialization request to the payment equipment through the Bluetooth connection, wherein the get-on initialization request comprises: boarding station point information;
the payment equipment receives the get-on initialization request through the Bluetooth connection, stores the get-on station information, generates a get-on initialization response, and sends the get-on initialization response to the get-on POS machine through the Bluetooth connection, wherein the get-on initialization response comprises: the boarding station point information;
the get-on POS machine receives the get-on initialization response through the Bluetooth connection, generates a get-on consumption request, and sends the get-on consumption request to the payment equipment through the Bluetooth connection, wherein the get-on consumption request comprises get-on deduction information, the get-on deduction information comprises a get-on deduction amount, and the get-on deduction amount is a ticket price from a get-on station to a terminal;
The payment device receives the get-on consumption request through the Bluetooth connection, executes a deduction operation of a payment packet with an electronic signature according to the get-on deduction information, and generates deduction data, wherein the deduction data comprises: the method comprises the steps of deducting a payment package with an electronic signature and a deduction certificate obtained by processing the deducted payment package with the electronic signature;
The card-swiping POS machine receives card-swiping information in an NFC communication mode, judges whether the card-swiping information is that a one-card swipes a card or a payment device swipes a card according to the card-swiping information, executes a one-card swiping process if the card-swiping information is that the one-card swipes a card, and sends a deduction request to a background server if the card-swiping information is that the payment device swipes a card;
The background server receives the deduction request and sends the deduction request to the payment equipment through network connection;
The payment equipment receives the deduction request through the network connection and sends the deduction data to the background server through the network connection;
the background server receives the deduction data through the network connection and stores the deduction data;
the get-off POS machine sends a get-off card reading instruction to the payment equipment through the Bluetooth connection;
the payment equipment receives the get-off card reading instruction through the Bluetooth connection, acquires payment equipment information, and sends the payment equipment information to the get-off card swiping POS machine through the Bluetooth connection, wherein the payment equipment information comprises: a payment device identification and a payment device balance;
The get-off POS machine receives the payment equipment information through the Bluetooth connection, and sends a get-off initialization request to the payment equipment through the Bluetooth connection, wherein the get-off initialization request comprises: information of a departure station point;
The payment equipment receives the get-off initialization request through the Bluetooth connection, stores the get-off station information, generates a get-off initialization response, and sends the get-off initialization response to the get-off POS machine through the Bluetooth connection, wherein the get-off initialization response comprises: the boarding station point information and the disembarking station point information;
The get-off POS machine receives the get-off initialization response through the Bluetooth connection and generates a get-off refund request, wherein the get-off refund request comprises get-off refund information, the get-off refund information comprises a get-off refund amount, and the get-off refund amount is calculated according to the get-on station information and the get-off station information;
the get-off POS machine receives card swiping information in an NFC communication mode, judges whether the card swiping information is the one-card swiping or the payment equipment swiping, executes the one-card swiping process if the card swiping is the one-card swiping, and sends the get-off refund request to the background server if the card swiping is the payment equipment swiping;
the background server receives the get-off refund request, executes the settlement operation of the payment packet with the electronic signature, and generates settlement data, wherein the settlement data comprises the refund payment packet with the electronic signature and a settlement certificate obtained by processing the refund payment packet with the electronic signature; transmitting the settlement data to the payment device over the network connection;
The payment device receives the settlement data through the network connection and stores the settlement data.
2. The method as recited in claim 1, further comprising:
The payment equipment performs mutual authentication with the upper card swiping POS machine and the lower card swiping POS machine.
3. The method according to claim 1 or 2, further comprising:
The background server and the payment device perform mutual authentication.
4. A system for a point-of-sale, POS, to collect a payment package having an electronic signature, comprising:
The get-on card POS machine and the get-off card POS machine are respectively used for sending a connection establishment instruction in a Bluetooth communication mode;
The payment equipment is used for establishing Bluetooth connection with the get-on card swiping POS machine and the get-off card swiping POS machine in the Bluetooth communication mode;
the get-on POS machine is also used for sending a get-on card reading instruction to the payment equipment through the Bluetooth connection;
the payment equipment is further configured to receive the get-on card reading instruction through the bluetooth connection, obtain payment equipment information, and send the payment equipment information to the get-on card swiping POS machine through the bluetooth connection, where the payment equipment information includes: a payment device identification and a payment device balance;
The get-on POS machine is further configured to receive the payment device information through the Bluetooth connection, and send a get-on initialization request to the payment device through the Bluetooth connection, where the get-on initialization request includes: boarding station point information;
The payment equipment is further configured to receive the get-on initialization request through the bluetooth connection, store the get-on station point information, generate a get-on initialization response, and send the get-on initialization response to the get-on card swiping POS machine through the bluetooth connection, where the get-on initialization response includes: the boarding station point information;
The get-on POS machine is further used for receiving the get-on initialization response through the Bluetooth connection, generating a get-on consumption request, and sending the get-on consumption request to the payment equipment through the Bluetooth connection, wherein the get-on consumption request comprises get-on deduction information, the get-on deduction information comprises a get-on deduction amount, and the get-on deduction amount is a ticket price from a get-on station to a terminal station;
The payment device is further configured to receive the get-on consumption request through the bluetooth connection, execute a deduction operation of a payment packet with an electronic signature according to the get-on deduction information, and generate deduction data, where the deduction data includes: the method comprises the steps of deducting a payment package with an electronic signature and a deduction certificate obtained by processing the deducted payment package with the electronic signature;
The get-on POS machine is also used for receiving card swiping information in an NFC communication mode, judging whether the card swiping is carried out by the one-card or the payment equipment according to the card swiping information, executing the one-card swiping process if the card swiping is carried out by the one-card, and sending a deduction request to a background server if the card swiping is carried out by the payment equipment;
the background server is used for receiving the deduction request and sending the deduction request to the payment equipment through network connection;
The payment equipment is further used for receiving the deduction request through the network connection and sending the deduction data to the background server through the network connection;
The background server is further used for receiving the deduction data through the network connection and storing the deduction data;
The get-off POS machine is also used for sending a get-off card reading instruction to the payment equipment through the Bluetooth connection;
The payment equipment is further configured to receive the get-off card reading instruction through the bluetooth connection, obtain payment equipment information, and send the payment equipment information to the get-off card swiping POS machine through the bluetooth connection, where the payment equipment information includes: a payment device identification and a payment device balance;
the get-off POS machine is further configured to receive the payment device information through the Bluetooth connection, and send a get-off initialization request to the payment device through the Bluetooth connection, where the get-off initialization request includes: information of a departure station point;
The payment device is further configured to receive the get-off initialization request through the bluetooth connection, store the get-off station information, generate a get-off initialization response, and send the get-off initialization response to the get-off card swiping POS machine through the bluetooth connection, where the get-off initialization response includes: the boarding station point information and the disembarking station point information;
The get-off POS machine is further configured to receive the get-off initialization response through the Bluetooth connection, and generate a get-off refund request, where the get-off refund request includes get-off refund information, the get-off refund information includes a get-off refund amount, and the get-off refund amount is calculated according to the get-on station information and the get-off station information; receiving card swiping information in an NFC communication mode, judging whether the card swiping information is the card swiping of the one-card or the card swiping of the payment equipment according to the card swiping information, executing the one-card swiping flow if the card swiping information is the card swiping of the one-card, and sending the get-off refund request to the background server if the card swiping information is the card swiping of the payment equipment;
The background server is further configured to receive the get-off refund request, perform a settlement operation of the payment packet with the electronic signature, and generate settlement data, where the settlement data includes a refund payment packet with the electronic signature and a settlement certificate obtained by processing the refund payment packet with the electronic signature; transmitting the settlement data to the payment device over the network connection;
The payment device is further configured to receive the settlement data through the network connection, and store the settlement data.
5. The system of claim 4, wherein the payment device is further configured to mutually authenticate with the on-board and off-board POS swipes.
6. The system of claim 4 or 5, wherein the background server is further configured to mutually authenticate with the payment device.
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| CN202111405713.2A CN114220214B (en) | 2021-11-24 | 2021-11-24 | Method and system for collecting payment packet with electronic signature by POS machine |
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