CN115019453A - POS terminal, registration method and system thereof, and storage medium - Google Patents
POS terminal, registration method and system thereof, and storage medium Download PDFInfo
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- CN115019453A CN115019453A CN202210951189.7A CN202210951189A CN115019453A CN 115019453 A CN115019453 A CN 115019453A CN 202210951189 A CN202210951189 A CN 202210951189A CN 115019453 A CN115019453 A CN 115019453A
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- pos terminal
- information
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- identity card
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/0036—Checkout procedures
- G07G1/0045—Checkout procedures with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
- G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0853—Network architectures or network communication protocols for network security for authentication of entities using an additional device, e.g. smartcard, SIM or a different communication terminal
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0876—Network architectures or network communication protocols for network security for authentication of entities based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint
Abstract
The application belongs to the field of financial security and provides a POS terminal, a registration method and a registration system thereof and a storage medium. The method comprises the following steps: reading the information of the acquiring bank card and the information of the identity card; sending the identity card information to a cloud platform for decoding; sending the content of the identity card, the information of the acquiring bank card and the identification information to a registration platform, sending an identity card photo inquiry request to the cloud platform by the registration platform, and sending an identity card photo to the registration platform after the cloud platform passes verification; and after the registration verification, receiving a registration result returned by the registration platform. The method can avoid data information from being stolen without using a mobile phone number for registration, is favorable for improving data security and protecting personal privacy, can avoid using fake certificates by reading card information, is favorable for improving the reliability of authorization, and is favorable for reducing the cost of the POS terminal by using a lightweight system without arranging a decoding module.
Description
Technical Field
The present application relates to the field of financial security, and in particular, to a POS terminal, a registration method, a registration system, and a storage medium thereof.
Background
A POS (point of sale) terminal is a settlement terminal equipped with a barcode recognition function or a card reader function. The merchant can use the card reader of the POS terminal to read the magnetic stripe information of the bank card, and after receiving personal identification information input by a cardholder, the POS terminal can complete online consumption, so that the safety, the rapidness and the accuracy of transaction can be guaranteed.
When a merchant uses a POS terminal, merchant information needs to be bound with the POS terminal first, i.e., merchant information registration is performed. In the current merchant information registration process, a merchant usually uses a mobile phone application program, uploads a merchant name, an address, an identity card photo of the merchant and a positive photo of an identity card held by the merchant in a mobile phone registration mode, and after confirming the information, the merchant information registration can be completed. Because the information is registered through the mobile phone number and the application program is collected and transmitted, the risk of stealing the information by other illegal application programs exists, personal information of a user is easily leaked, the authenticity of the uploaded identity card and merchant data cannot be accurately identified, and the cost of equipment for registration and use is high.
Disclosure of Invention
In view of this, embodiments of the present application provide a POS terminal, a method, a system, and a storage medium for registering the POS terminal, so as to solve the problems that when the POS terminal in the prior art is registered, a mobile phone number needs to be used, and an application collects and transmits data, there is a risk that data is stolen, personal information of a user is easily leaked, authenticity of an identity card and merchant data cannot be accurately identified, and cost of equipment used for registration is high.
A first aspect of an embodiment of the present application provides a registration system for a POS terminal, where the registration system includes a POS terminal, a cloud platform, and a registration platform, and the POS terminal is a terminal configured with a lightweight system, where:
the POS terminal is used for reading information of an acquiring bank card and identity card information of a merchant through a card reader, determining identification information of the POS terminal and sending the identity card information to a cloud platform;
the cloud platform is used for receiving and decrypting the identity card information sent by the POS terminal to obtain identity card content and sending the identity card content to the POS terminal;
the POS terminal is used for sending the information of the receipt bank card, the identification information of the POS terminal and the identity card content sent by the cloud platform to the registration platform;
the registration platform is used for sending the identity card content to the cloud platform, and the cloud platform is used for sending an identity card photo corresponding to the identity card content to the registration platform after the identity card content is verified;
and the registration platform performs registration verification according to the acquiring bank card information, the identification information and the identity card photo and returns a registration result to the POS terminal.
With reference to the first aspect, in a first possible implementation manner of the first aspect, the POS terminal further includes a positioning module, and the POS terminal is configured to send positioning information obtained by the positioning module to a registration platform, and the registration platform is configured to determine, according to the positioning information, an operation validity of the POS terminal.
With reference to the first possible implementation manner of the first aspect, in a second possible implementation manner of the first aspect, the determining, by the registration platform, the operation validity of the POS terminal according to the positioning information includes:
the registration platform is used for comparing first positioning information uploaded by the POS terminal during registration with second positioning information uploaded by the POS terminal during transaction, and if the first positioning information is matched with the second positioning information, the transaction of the POS terminal is determined to be legal.
With reference to the first possible implementation manner of the first aspect, in a third possible implementation manner of the first aspect, the determining, by the registration platform, security of the POS terminal according to the positioning information includes:
the registration platform is used for searching address information of a registered merchant according to the content of the identity card, comparing the address information with first positioning information during the registration of the POS terminal, and determining that the registration operation of the POS terminal is legal if the address information is matched with the first positioning information.
With reference to the first aspect, in a fourth possible implementation manner of the first aspect, the verifying the content of the identity card by the cloud platform includes:
the cloud platform is used for receiving the identity card information acquisition time sent by the POS terminal, determining the time interval between the time for receiving the identity card content sent by the registration platform and the acquisition time, and sending the identity card photo to the registration platform when the time interval is less than the preset time.
A second aspect of the embodiments of the present application provides a method for registering a POS terminal, where the POS terminal is a terminal configured with a lightweight system, and the method includes:
the POS terminal reads information of an acquiring bank card and identity card information of a merchant through a card reader and determines identification information of the POS terminal;
the POS terminal sends the identity card information of the merchant to a cloud platform and receives the identity card content obtained by the cloud platform through decoding according to the identity card information;
the POS terminal sends the identity card content, the acquiring bank card information and the identification information to a registration platform, the identity card content is used for sending an identity card photo query request to the cloud platform by the registration platform, and after the cloud platform passes the identity card verification of the registration platform, an identity card photo is sent to the registration platform;
and after the registration platform performs registration verification according to the acquiring bank card information, the identification information and the identity card photo, the POS terminal receives a registration result returned by the registration platform.
With reference to the second aspect, in a first possible implementation manner of the second aspect, before the POS terminal receives the registration result returned by the registration platform, the method further includes:
the POS terminal acquires the positioning information of the POS terminal through a positioning module;
and determining the legality of the operation of the POS terminal according to the positioning information.
With reference to the first possible implementation manner of the second aspect, in a second possible implementation manner of the second aspect, the determining validity of the operation of the POS terminal according to the positioning information includes:
comparing the first positioning information of the POS terminal during registration with the second positioning information of the POS terminal during transaction, and determining that the transaction of the POS terminal is legal if the first positioning information is matched with the second positioning information;
or if the first positioning information of the POS terminal during registration is matched with the address information of the registered merchant searched according to the identity card content, determining that the address of the registration operation of the POS terminal is legal.
A third aspect of embodiments of the present application provides a POS terminal, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, the processor implementing the steps of the method according to any one of the possible implementations of the second aspect when executing the computer program.
A fourth aspect of embodiments of the present application provides a computer-readable storage medium, which stores a computer program that, when executed by a processor, implements the steps of the method according to any one of the second aspects.
Compared with the prior art, the embodiment of the application has the advantages that: according to the embodiment of the application, the identity card information of the merchant and the acquiring bank card information of the merchant are read through the card reader of the POS terminal provided with the lightweight operating system, so that the condition that other illegally installed application programs steal information can be effectively avoided, and the security of confidential data is improved. The identity card information is read through the card reader of the POS terminal, the cloud platform is used for decrypting and returning the identity card content, the POS terminal sends the identity card content to the registration platform, the registration platform inquires the identity card photo corresponding to the identity card content, the problem that false identity cards are used for registration can be effectively avoided, the reliability of POS terminal authorization is improved, a mobile phone number is not needed in the registration process, the user privacy is protected, an identity card decoding module is not needed in the POS terminal, and the cost of the POS terminal can be effectively reduced.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required to be used in the embodiments or the prior art description will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings may be obtained according to these drawings without inventive labor.
Fig. 1 is a schematic view of an implementation scenario of registration of a general POS terminal according to an embodiment of the present disclosure;
fig. 2 is a schematic diagram of a registration system of a POS terminal according to an embodiment of the present disclosure;
fig. 3 is a schematic flow chart illustrating an implementation of a registration method of a POS terminal according to an embodiment of the present application;
fig. 4 is a schematic diagram of a registration apparatus of a POS terminal according to an embodiment of the present disclosure;
fig. 5 is a schematic diagram of a POS terminal provided in an embodiment of the present application.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the present application. It will be apparent, however, to one skilled in the art that the present application may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail.
In order to explain the technical solution described in the present application, the following description will be given by way of specific examples.
When a merchant applies to use the POS terminal, the merchant needs to register by using the POS machine. In order to reduce the workload of registering the registration staff, the current registration of the POS terminal generally employs online registration. Fig. 1 is a schematic diagram illustrating an implementation scenario of the registration of the POS terminal. The implementation scene comprises a smart phone, a POS terminal and a registration platform. And the merchant uses the smart phone to complete the registration of the POS terminal. The specific process is as follows:
after a merchant purchases a POS terminal, the merchant usually downloads a corresponding APP using a smart phone, fills in authentication information including basic information of the merchant, acquiring bank card information, uploading an identity card photo, a hand-held identity card photo, and the like. And the serial number of the POS terminal can be read in a code scanning mode. The smart phone uploads information and photos input by the merchant and registration data such as serial numbers of POS terminals acquired by scanning the codes to the registration platform through the APP, the registration platform identifies and verifies the authenticity of the identity card photos and the handheld identity card photos, and the merchant is successfully registered when the verification passes.
According to the registration method of the POS terminal, a merchant can quickly complete registration through the smart phone and in a mode of receiving verification information through the phone number. However, since the application program of the smart phone is used for data acquisition during the registration process, if other illegal programs are installed in the smart phone, important data of the merchant may be stolen and modified, which may cause significant economic loss to the merchant. In addition, some illegal merchants may use fake identity card cards to take pictures and use merchant information of others to register, which is not favorable for ensuring the security of the authorization of the POS terminal.
Based on this, an embodiment of the present application provides a method for registering a POS terminal, and as shown in fig. 2, a schematic view of an implementation scenario of the method for registering a POS terminal provided in the embodiment of the present application, that is, a schematic view of a registration system of a POS terminal is provided. As shown in fig. 2, the registration system of the POS terminal includes a POS terminal, a cloud platform, and a registration platform. Wherein, in the POS terminal registration system, the POS terminal can comprise one or more. One or more POS terminals can communicate with the cloud platform, and the identity card information read by the POS terminals is decoded through the cloud platform.
The POS terminal is provided with a card reader, and the card reader can comprise a contact card reader or a non-contact card reader. The card reader can read the information of the identity card and can also read the information of the bank card. When the card reader for reading the identity card information and the bank card information is the same card reader, the type of the read information can be identified and determined through the identification in the read information, including identifying the read information as the identity card information or the bank card information.
The POS terminal may be configured as a lightweight system, including, for example, an RTOS (Real-time operating system, or Real-time operating system). Since the POS terminal is configured as a lightweight system. When the lightweight system is operated, the requirements on the performance of chips such as a processor, a memory and the like are low, and the production cost of the POS terminal can be effectively reduced. In addition, a decoding module for decoding the identity card information is not required to be configured in the POS terminal in the embodiment of the application, so that the cost of the POS terminal can be further reduced, and the size of the POS terminal can be effectively reduced.
In the prior art, the POS terminal needs to be configured with a decoding module for decoding the identity card information, when the POS terminal needs to be repaired, the whole POS terminal must be taken back to a specially authorized repair manufacturer for repair, so that the merchant does not have a POS terminal available, and normal use of the merchant is delayed.
The POS terminal can read the information of the identity card and the information of the bank card through the card reader. The identity card information is encrypted information, and the POS terminal can send the read identity card information to the cloud platform. The cloud platform can decode the identity card information to obtain identity card content corresponding to the identity card information. The identity card content can comprise information such as an identity card number and an identity card name.
The POS terminal receives the identity card content sent by the cloud platform, and sends the identity card content to the registration platform by combining the collected bank card information and the determined identification information (used for uniquely identifying the POS terminal) of the POS terminal. The registration platform is used for registering the POS terminal and monitoring the transaction safety of the POS terminal.
The registration platform is used for receiving registration information (the registration information comprises identity card content, acquiring bank card information, identification information of the POS terminal and the like, the acquiring bank card information comprises information of a bank card number, a bank card account name, an account opening bank and the like) sent by the POS terminal, and sending an identity card query request to the cloud platform according to the identity card content in the registration information. And after the cloud platform passes the verification of the registration platform, returning an identity card photo corresponding to the identity card content to the registration platform.
When the cloud platform verifies the identity card, content verification and time effectiveness verification can be included. The content verification can be used for judging whether the content of the identity card sent by the registration platform is real and valid. The time efficiency check can be based on the acquisition time of the identity card information, the acquisition time is compared with the time for sending the identity card content sent by the registration platform, the time interval between the acquisition time and the time for sending the identity card content is determined, and if the time interval is smaller than the preset time length, the cloud platform can send the identity card photo to the registration platform. If the time interval is greater than or equal to the preset time length, the POS terminal may not initiate the identity card decoding, and the sending of the identity card photo to the registration platform may be prohibited, so that the security of the verification of the POS terminal is improved.
After the cloud platform completes the verification of the content of the identity card, the cloud platform sends an identity card photo to the registration platform, and the registration platform can verify based on the identity card photo, the bank card information and the identification information of the POS terminal, including verifying whether a name in the bank card information is matched with a name in the identity card photo, whether the identification of the POS terminal is registered, and the like.
In a possible implementation manner, the POS terminal includes a positioning module, and the POS terminal may acquire the positioning information of the POS terminal through the positioning module. For example, the POS terminal may collect first positioning information of the POS terminal during registration, collect second positioning information of the POS terminal during transaction of the POS terminal, and compare the first positioning information with the second positioning information to determine whether the POS terminal is matched. If the first location information matches the second location information, it may be determined that the transaction operation is legitimate. If not, the transaction may be aborted or a risk alert may be sent to the monitoring center. The subject of comparison or matching may be a POS terminal, a registration platform, or the like.
In a possible implementation manner, the POS terminal or the registration platform may query, according to the obtained content of the identity card, merchant information corresponding to the content of the identity card from a merchant information platform to obtain address information of a merchant corresponding to the content of the identity card. The address information of the searched merchant may include a plurality. When the merchant information includes a plurality of merchant information, the first certain information during the POS terminal registration may be respectively matched with the plurality of address information, and if the first certain information may be matched with one of the plurality of address information, it may be determined that the POS terminal registration operation is legal. If the POS terminal and the POS terminal are not matched, the problem of unmatched positioning in the registering operation of the POS terminal is possible, and prompt information of the registering risk can be generated.
Because only the POS terminal is required to collect the identity card information and the receipt bank card information in the whole registration process, a user does not need to input a mobile phone number, leakage of user information can be reduced, and meanwhile, the reliability of collected data can be improved. And data forwarding is carried out based on a lightweight system, so that other application programs can be prevented from stealing the acquired data, and the safety of user data is improved. The operation of the POS terminal can be supported by adopting lower configured hardware resources, the cost of the POS terminal can be effectively reduced, a decoding module is not required to be arranged in the POS terminal, the hardware cost is further reduced, and meanwhile, the size of the POS terminal can be effectively reduced.
Fig. 3 is a schematic flow chart illustrating an implementation of a registration method of a POS terminal based on the system shown in fig. 2 according to an embodiment of the present application, where as shown in fig. 3, the method includes:
in S301, the POS terminal reads the acquiring bank card information and the identity card information of the merchant through the card reader, and determines identification information of the POS terminal.
In the embodiment of the application, the POS terminal is provided with a card reader. The card reader may comprise an RFID-based contactless card reader, including, for example, a radio frequency card reader. The identity card information of the second-generation identity card can be read through the non-contact card reader, or the information of the acquiring bank card can be read through the non-contact card reader. The card reader is not limited to a contactless card reader, but may include a contact card reader. For example, a bank card provided with a contact chip or a bank card with a magnetic stripe can be read through a contact card reader, so that the information of the bank card for acquiring is read.
The method and the device for acquiring the information of the bank card are not limited to reading the information of the bank card through a card reader, and the information of the bank card can be acquired in other modes. For example, the acquiring bank card information input by the merchant may be received through an input keyboard of the POS terminal or through a touch screen of the POS terminal.
When the card reader is a non-contact card reader, the sequence of card information read by the POS terminal does not need to be limited. Namely, the type of the read card information can be determined by means of automatic identification. When the card information is read by the POS terminal through the card reader, the card identification in the card information can be obtained, and the type of the card information is determined based on the obtained card identification. Namely: when the acquired card identification is an identification card identification, it may be determined that the card information is identification card information. When the acquired card identifier is a bank card identifier, it may be determined that the card information is acquiring bank card information. The kind of data collected by the POS terminal may be determined according to the determined type of the card information. When the type of the acquired card information is acquired by the POS terminal, the received card information can be correspondingly sent to the corresponding decryption platform to decrypt the card information. For example, the acquiring bank card information can be decrypted through the acquiring platform to acquire the acquiring bank card information uploaded by the merchant, and the identity card information can be decrypted through the cloud platform of the identity card to acquire the content of the identity card uploaded by the merchant.
In a possible implementation, the merchant may be prompted to register according to the registration process. For example, in the step of collecting the acquiring bank card information, the merchant is prompted to read the acquiring bank card information through the POS terminal. In the step of collecting the identity card information of the merchant, the merchant is prompted to read the identity card information of the merchant through the POS terminal. Whether the currently read card type is correct can be judged through the read card identification. If the type of the currently read card information does not match the type of the required card information, a prompt message may be generated.
In a possible implementation manner, when the POS terminal collects card information, a confirmation option may be generated each time the card information is read, and the merchant confirms the type of the card information that is currently read. For example, when the POS terminal reads the card information, the options for displaying the type of the card information include a "bank card" option and an "identification card" option. The merchant may select a specific type of card information according to the current operation.
In the embodiment of the present application, the order of acquiring the receipt information and the identity card information may not be limited.
Compared with the traditional acquisition mode of identity card information and acquiring bank card information, the method and the system have the advantages that the identity card information and the bank card information need to pass through the intelligent terminals of third parties such as smart phones through the POS terminal for reading, the POS terminal can prevent illegal application programs from being installed and used, and the problem that the illegal application programs can steal private data can be avoided in the intelligent terminals of the third parties.
Moreover, the identity card information is read through the card reader, so that the authenticity and the effectiveness of the identity card information can be effectively guaranteed, and the problem of false identity card information caused by acquiring the identity card information through images is avoided.
The identification information of the POS terminal may be a serial number of the POS terminal or other identification that can uniquely identify the POS terminal. Based on the identification information of the POS terminal, the acquiring bank card information of the merchant, the basic information of the merchant, and the identification card information of the merchant may be bound with the POS terminal. When the POS terminal determines the identification information of the POS terminal, the identification information may be directly read from a storage device of the POS terminal, or may be automatically carried by a communication protocol.
In S302, the POS terminal sends the identity card information of the merchant to the cloud platform, and receives the identity card content decoded by the cloud platform according to the identity card information.
When the cloud platform receives the identity card information sent by the POS terminal, the identity card information can be decoded through an identity card information decoding module of the cloud platform, and identity card content corresponding to the identity card information is obtained. The identity card content comprises an identity card number, an identity card name and the like. And sending the decoded content of the identity card to the POS terminal.
The cloud platform may configure one or more decoding modules or one or more decoding servers according to the number of tasks that need to be decoded.
In S303, the POS terminal sends the content of the identification card, the information of the acquiring bank card, and the identification information to the registration platform, where the content of the identification card is used to send an identification card photo query request to the cloud platform from the registration platform, and after the cloud platform passes the identification card verification of the registration platform, the cloud platform sends an identification card photo to the registration platform.
And the POS terminal encrypts the identity card data, the acquiring bank card information and the identification information of the POS terminal to obtain encrypted data, and sends the encrypted data to a registration platform, so that the safety of data transmission is ensured.
When the POS terminal is verified, the registration platform can send the received identity card content to the cloud platform. And the cloud platform searches an identity card photo corresponding to the identity card content according to the received identity card content if the identity card is real and effective, and sends the identity card photo to the registration platform.
Or when the cloud platform receives the identity card content sent by the registration platform, recording the time of receiving the identity card content, and receiving the acquisition time of the identity card information sent by the POS terminal. And determining the time interval of the two, and if the time interval is less than the preset time length, sending the identity card photo corresponding to the identity card content to the registration platform. If the preset time length is exceeded, the sending of the photo corresponding to the identity card content is refused, and prompt information of overtime operation can be generated.
Or, the time for acquiring the identity card information may be replaced by the time for receiving the identity card information sent by the POS terminal. Namely, the time of receiving the identity card information sent by the POS terminal and the time of the identity card content sent by the registration platform are compared, and whether the time interval between the two is less than the preset time length or not is determined. And if the time length is less than the preset time length, returning the identity card photo corresponding to the identity card content to the registration platform.
In S304, after the registration platform performs registration verification according to the acquiring bank card information, the identification information, and the identification card photo, the POS terminal receives a registration result returned by the registration platform.
After the registration platform receives the identity card photo returned by the cloud platform, the identity card content can be compared with the acquiring bank card information to determine the consistency of the main body. If the identification card meets the requirements, a successful registration result can be returned to the POS terminal, and the binding of the identity card content, the acquiring bank card information and the identification information is completed. Otherwise, a prompt message of the reason of the registration failure can be returned to the POS terminal.
In a possible implementation manner, the POS terminal described in the present application may further include a positioning module, and may further improve the security of POS terminal registration based on the positioning information acquired by the positioning module.
When checking is performed according to the positioning information, registration checking and transaction checking can be included.
When transaction verification is carried out, first positioning information of the POS terminal during registration and second positioning information of the POS terminal during transaction can be obtained. And matching and checking the first positioning information and the second positioning information. If the two match, the transaction may be determined to be legitimate.
When the matching verification is performed, the merchant information registered by the POS terminal may be acquired according to the content of the identity card, or the merchant information registered by the POS terminal may be acquired according to the content of the identity card and the current positioning information. For example, the merchant information of the user can be found in the merchant data platform through the name information. Or, searching a plurality of merchant information in a merchant data platform through the user name information, and determining the merchant information registered by the POS terminal by combining the positioning information of the POS terminal.
After the merchant information registered by the POS terminal is determined, the coverage of the merchant may be searched in a map based on the determined merchant information, and the matching range of the positioning information may be determined based on the searched coverage of the merchant. For example, for a big supermarket, because the coverage area is wide, the larger matching range of the POS terminal can be determined according to the coverage area. For merchants such as small shops and the like, a smaller matching range of the POS terminal during matching can be determined according to the coverage range of the merchants.
After the matching range is determined, if the first positioning information and the second positioning information are in the same matching range, the first positioning information and the second positioning information are determined to be matched, the position information in the transaction process can be determined to be legal, and otherwise, the position information is not legal.
When the registration is matched, the address information of the registered commercial tenant can be searched through the registered identity card content or the information of the acquiring bank card, and when the address information is matched with the first positioning information when the POS terminal is registered, the coverage range corresponding to the address information of the commercial tenant can be determined through map information. If the first positioning information belongs to the coverage range, the first positioning information and the second positioning information are determined to be matched, and the registered positioning information can be determined to be valid.
When the coverage range of the shop is determined according to the address information of the merchant, for the merchant in the building such as a building, the corresponding relation between the house number and the position range of the building can be obtained in order to accurately obtain the coverage range of the shop. According to the corresponding relation, the shop coverage range corresponding to the address information of the merchant can be determined. When the position information of the POS terminal is determined, in order to improve the accuracy of the POS terminal positioning indoors, the position information of the POS terminal may be accurately obtained through an indoor positioning system, such as a bluetooth base station, which is disposed indoors. Based on the position information of the POS terminal with higher positioning precision, the coverage range of the shop with higher precision range is combined, so that a more accurate matching result can be obtained, and the safety verification of position matching of the POS terminal can be more reliably carried out.
The positioning module may include one or both of a GPS positioning module or a base station positioning module. The base station positioning module may include one or more of a mobile base station positioning module, a hotspot base station positioning module, or an indoor bluetooth base station positioning module. According to the positioning module arranged by the POS terminal, the position information of the POS terminal can be acquired in the merchant registration process.
It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by functions and internal logic of the process, and should not constitute any limitation to the implementation process of the embodiments of the present application.
Fig. 4 is a schematic diagram of a registration apparatus of a POS terminal according to an embodiment of the present disclosure. As shown in fig. 3, the apparatus includes:
an information reading unit 401, configured to read, by the POS terminal, acquiring bank card information and identity card information of a merchant through a card reader, and determine identification information of the POS terminal;
an identity card information processing unit 402, configured to send, by the POS terminal, the identity card information of the merchant to a cloud platform, and receive identity card content obtained by the cloud platform by decoding according to the identity card information;
an identity card photo obtaining unit 403, configured to send, by the POS terminal, the identity card content, the acquiring bank card information, and the identification information to a registration platform, where the identity card content is used to send an identity card photo query request to the cloud platform by the registration platform, and send an identity card photo to the registration platform after the cloud platform passes the identity card verification of the registration platform;
and a registration result returning unit 404, configured to receive, by the POS terminal, a registration result returned by the registration platform after the registration platform performs registration verification according to the acquiring bank card information, the identification information, and the identity card photo.
The POS terminal registration device shown in fig. 4 corresponds to the POS terminal registration method shown in fig. 3.
Fig. 5 is a schematic diagram of a POS terminal according to an embodiment of the present application. As shown in fig. 5, the POS terminal 5 of this embodiment includes: a processor 50, a memory 51 and a computer program 52 stored in said memory 51 and operable on said processor 50, such as a registration program of a POS terminal. The processor 50, when executing the computer program 52, implements the steps in the registration method embodiments of the respective POS terminals described above. Alternatively, the processor 50 implements the functions of the modules/units in the above-described device embodiments when executing the computer program 52.
Illustratively, the computer program 52 may be partitioned into one or more modules/units, which are stored in the memory 51 and executed by the processor 50 to accomplish the present application. The one or more modules/units may be a series of computer program instruction segments capable of performing specific functions, which are used to describe the execution of the computer program 52 in the POS terminal 5.
The POS terminal may include, but is not limited to, a processor 50, a memory 51. Those skilled in the art will appreciate that fig. 5 is merely an example of a POS terminal 5 and does not constitute a limitation of POS terminal 5 and may include more or fewer components than shown, or some components in combination, or different components, e.g., the POS terminal may also include input output devices, network access devices, buses, etc.
The Processor 50 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory 51 may be an internal storage unit of the POS terminal 5, such as a hard disk or a memory of the POS terminal 5. The memory 51 may also be an external storage device of the POS terminal 5, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, provided on the POS terminal 5. Further, the memory 51 may also include both an internal storage unit and an external storage device of the POS terminal 5. The memory 51 is used to store the computer program and other programs and data required by the POS terminal. The memory 51 may also be used to temporarily store data that has been output or is to be output.
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus/terminal device and method may be implemented in other ways. For example, the above-described embodiments of the apparatus/terminal device are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when actually implemented, 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.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
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, and can also be realized in a form of a software functional unit.
The integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, all or part of the processes in the methods of the embodiments described above can be implemented by hardware related to instructions of a computer program, which can be stored in a computer readable storage medium, and when the computer program is executed by a processor, the steps of the methods described above can be implemented. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain other components which may be suitably increased or decreased as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media which may not include electrical carrier signals and telecommunications signals in accordance with legislation and patent practice.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present application and are intended to be included within the scope of the present application.
Claims (10)
1. The registration system of the POS terminal is characterized by comprising the POS terminal, a cloud platform and a registration platform, wherein the POS terminal is a terminal configured with a lightweight system, and the registration system comprises:
the POS terminal is used for reading information of an acquiring bank card and identity card information of a merchant through a card reader, determining identification information of the POS terminal and sending the identity card information to a cloud platform;
the cloud platform is used for receiving and decrypting the identity card information sent by the POS terminal to obtain identity card content and sending the identity card content to the POS terminal;
the POS terminal is used for sending the information of the receipt bank card, the identification information of the POS terminal and the identity card content sent by the cloud platform to the registration platform;
the registration platform is used for sending the identity card content to the cloud platform, and the cloud platform is used for sending an identity card photo corresponding to the identity card content to the registration platform after the identity card content is verified;
and the registration platform performs registration verification according to the acquiring bank card information, the identification information and the identity card photo and returns a registration result to the POS terminal.
2. The system of claim 1, wherein the POS terminal further comprises a positioning module, the POS terminal is configured to send positioning information obtained by the positioning module to a registration platform, and the registration platform is configured to determine the operation validity of the POS terminal according to the positioning information.
3. The system of claim 2, wherein the registration platform is configured to determine the operational validity of the POS terminal based on the location information, and comprises:
the registration platform is used for comparing first positioning information uploaded by the POS terminal during registration with second positioning information uploaded by the POS terminal during transaction, and if the first positioning information is matched with the second positioning information, the transaction of the POS terminal is determined to be legal.
4. The POS terminal registration system of claim 2, wherein the registration platform is configured to determine the security of the POS terminal based on the location information, comprising:
the registration platform is used for searching address information of a registered merchant according to the content of the identity card, comparing the address information with first positioning information when the POS terminal is registered, and determining that the registration operation of the POS terminal is legal if the address information is matched with the first positioning information.
5. The POS terminal registration system according to claim 1, wherein the cloud platform is configured to pass verification of the id card content, and includes:
the cloud platform is used for receiving the identity card information acquisition time sent by the POS terminal, determining the time interval between the time for receiving the identity card content sent by the registration platform and the acquisition time, and sending the identity card photo to the registration platform when the time interval is less than the preset time.
6. A method for registering a POS terminal, wherein the POS terminal is a terminal configured with a lightweight system, and the method comprises the following steps:
the POS terminal reads information of an acquiring bank card and identity card information of a merchant through a card reader and determines identification information of the POS terminal;
the POS terminal sends the identity card information of the merchant to a cloud platform and receives the identity card content obtained by the cloud platform through decoding according to the identity card information;
the POS terminal sends the identity card content, the acquiring bank card information and the identification information to a registration platform, the identity card content is used for sending an identity card photo query request to the cloud platform by the registration platform, and after the cloud platform passes the identity card verification of the registration platform, an identity card photo is sent to the registration platform;
and after the registration platform performs registration verification according to the acquiring bank card information, the identification information and the identity card photo, the POS terminal receives a registration result returned by the registration platform.
7. The method of claim 6, wherein before the POS terminal receives the registration result returned by the registration platform, the method further comprises:
the POS terminal acquires the positioning information of the POS terminal through a positioning module;
and determining the legality of the operation of the POS terminal according to the positioning information.
8. The method of claim 7, wherein determining the validity of the operation of the POS terminal based on the location information comprises:
comparing the first positioning information of the POS terminal during registration with the second positioning information of the POS terminal during transaction, and determining that the transaction of the POS terminal is legal if the first positioning information is matched with the second positioning information;
or if the first positioning information of the POS terminal during registration is matched with the address information of the registered merchant searched according to the identity card content, determining that the address of the registration operation of the POS terminal is legal.
9. A POS terminal comprising a memory, a processor and a computer program stored in said memory and executable on said processor, characterized in that said processor implements the steps of the method according to any one of claims 6 to 8 when executing said computer program.
10. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 6 to 8.
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| CN116319067A (en) * | 2023-05-10 | 2023-06-23 | 金联汇通信息技术有限公司 | Information verification method, terminal, cloud server, background and electronic equipment |
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