CN1414498A - Unmanned on duty pagment system and method based on city region network - Google Patents
Unmanned on duty pagment system and method based on city region network Download PDFInfo
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- CN1414498A CN1414498A CN 01129808 CN01129808A CN1414498A CN 1414498 A CN1414498 A CN 1414498A CN 01129808 CN01129808 CN 01129808 CN 01129808 A CN01129808 A CN 01129808A CN 1414498 A CN1414498 A CN 1414498A
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Abstract
The multiple multimedia terminals including terminal authentication server, control center server are installed in the public place through the first communication system. The application program/data server through the second communication system is connected to the bank process server. Based on the interactive result with the user, the public terminal pre-processes the payment procedure. The payment request through the terminal authentication server and the application program/data server is sent to the bank process server. The bank process server sends the payment result through the control center server to the public terminal. The validated transaction information is sent back to the bank process server. The invention meets the requirement of the self-help service system.
Description
Technical field
The present invention relates to computer application system, be specifically related to a kind of unmanned payment system and method based on Metropolitan Area Network (MAN).
Background technology
Because computing machine and development of Communication Technique, pay existing many development by mails, more common mode comprises the online payment that E-Payment, the open ATM (Automatic Teller Machine) and beginning recently of the POS terminal of wire transfer between the bank, sales section prevails.Wherein, can finish payment program by payer independent self-service mode fully, has only the payment of online payment and automatic teller machine, but the former requires the user to have the experience of computer operation and depends on popularizing of online e-commerce platform, the latter, then owing to be to be based upon in the bank computer system, its possible payment scope is restricted, and can't be difficult to extensive employing with paying information browse before, information inquiry etc. to combine.
Summary of the invention
The technical problem to be solved in the present invention is, a kind of new payment system and method for payment are proposed, can overcome the shortcoming that existing online payment and automatic teller machine payment exist, can realize unattended automatic payment, and the information browse before can supporting to pay, inquiry etc. multi-functional with payment terminal on.Specifically, the purpose of this invention is to provide a kind of unmanned payment system and method based on Metropolitan Area Network (MAN), it can provide a kind of brand-new E-Payment implementation self-service fully, that do not have the on-the-spot participation of salesman for the client.By method of payment provided by the invention and system, can make the client can enjoy ecommerce and the high efficiency service of bank in 24 hours, method of payment and system whereby, not only can bring huge interests to the client, businessman and bank can reduce human cost, also can improve efficient and the dirigibility of self greatly.
Technical matters of the present invention is to realize like this, construct a kind of unmanned payment system based on Metropolitan Area Network (MAN), comprise first communication system, a plurality of multimedia terminals that have microcomputer that are installed in the public arena by described first communication system connection, the terminal authentication server that is connected with described first communication system, control center server and OPC control center applications/data storehouse server, described applications/data storehouse server is connected with the bank processing server by the second communication system, described common terminal according to user's interaction results, payment process is carried out pre-service, send Payment Request by described terminal authentication server and described applications/data storehouse server to described bank processing server, described bank processing server passes through control center server with payment result, transaction results is sent to described common terminal, the Transaction Information of confirming is sent to described bank processing server by described common terminal.
In according to system provided by the invention, described first communication system is to be based upon in the scope of city the communication system of employing PPP, TCP/IP based on communication lines such as ISDN, ADSL, DHCP data agreement or based on employing PPP, the TCP/IP of ADSL, the communication system of DHCP data agreement or the employing PPP, the TCP/IP that set up by multimode/single-mode fiber/twisted-pair feeder, the communication network of DHCP agreement.
In according to system provided by the invention, described second communication system adopts the X.25 personal communication system of agreement that meets of DDN special line.
In according to system provided by the invention, described control center server and described terminal authentication server, described applications/data storehouse server interconnect by high-speed local area network.
In according to method provided by the invention, described common terminal comprises the financial payment input equipment that cooperates code keypad or touch-screen to use, and can be one or more the combination in IC-card read write line, magnetic card read write line, coin-freed arrangement, the bank note input media.
In according to system provided by the invention, comprise that also ID authentication device is connected with described first communication system by optical fiber, and adopt TCP/IP and the communication of VPN VPN (virtual private network) communication mode.
In according to system provided by the invention, described applications/data storehouse server is given described common terminal by the first communication system transmits commodity and Transaction Information, and described terminal authentication server sends described common terminal to by the affirmation information of the user profile that described first communication system will provide described common terminal.
The invention provides a kind of unmanned method of payment based on Metropolitan Area Network (MAN), be to comprise a plurality of multimedia terminals that connect by first communication system at one, the control center server that is connected with first communication system, the terminal authentication server, realize in the comprehensive city field network system of applications/data storehouse server and bank's processing server of connecting by the second communication system, it is characterized in that, may further comprise the steps: described multimedia terminal and user select with regard to consumption and reciprocation is carried out in payment, form the payment request information that comprises shopping/service consumption information that a request will receive by described first communication system, through described certificate server authentication, be transferred to described control center applications/data storehouse server; Described control center server after database is temporarily sold record, sends confirmation and asks to provide the payment information affirmation simultaneously to described common terminal by described first communication system when confirming that Payment Request is effective; The described payment information that described common terminal provides the user is confirmed to give described control center server through encrypting by described first communication system transmits; The described payment information that described control center server will be received arrives described bank processing server by described second communication system transmissions, and waits for checkout result; If receive the information that clearing come into force, control center server is given described common terminal by described first communication system with the information transmission of confirming to sell, point out Transaction Success and sell commodity by described common terminal, and send and confirm that the information sell success gives control center server, control center server changes the record of doing in the database temporarily to sell into sold record; If receive the information that clearing are invalid, described control center server changes the record of doing in the database temporarily to sell into still unsold record, will confirm to buy the information transmission of failure to described common terminal by described first communication system; If clearing come into force, but because accidental cause causes terminal not sell out kinds of goods, control center server can not receive confirms to sell the information of success, changes the record of doing in the database temporarily to sell into still unsold record and failure sold in record, and notifies the maintainer to investigate failure cause; Control center server sends cancels the request of withholing to bank's processing server, cancels/return the information of withholing if receive bank, confirms that then cancellation withholds successfully; Do not cancel/return the information of withholing if receive bank, just then send a request of cancelling to withhold to bank's processing server every the suitable cycle.
In according to method provided by the invention, also comprise the step of checking at set intervals: the sale detail to common terminal, control center server, bank's processing server is checked account, and the outcome record of will checking account is got off in order to inquiry and solved and handles.
In according to method provided by the invention, the information that the shopping solicited message that described common terminal will receive is given described control center server by described first communication system transmits also comprises the plane No. of the common terminal that sends this shopping information except shopping/service consumption information.
In according to method provided by the invention, described control center server confirms that Payment Request effectively may further comprise the steps: whether the kind of confirming shopping/service consumption is correct; If this information is incorrect, described control center server sends the common terminal machine of a refusal shopping request message to the request shopping immediately, if information is correct, check volume residual in this kind merchandising database, if surplus more than or equal to shopping quantity, then sends the request confirmation, otherwise, if the surplus deficiency then sends the common terminal machine of the message of a refusal shopping request to the request shopping immediately.
In according to method provided by the invention, described control center server is all monitored, is settled accounts and add up transaction each time.
In according to method provided by the invention, comprise following three infill layer steps at least: ground floor, to the code keypad data encryption; The second layer, VPN network and OPC control center carry out authenticated encryption; The 3rd layer, part payment adopts cipher mode and the system that bank is identical and authenticate, with the security of guaranteeing payment.
In according to method provided by the invention, described control center server finish sell thing after, calculating can be sold thing quantity, can sell commodity amount and sell off if detect, it is out of print to send commodity by Metropolitan Area Network (MAN) administrative center to described common terminal machine by described control center server, removes the indication of advertisement.
In according to method provided by the invention, the payment information that described common terminal sends comprises means of payment, type of payment and payment and payment identity information, described payment identity information can be account number and password, or membership number and password, described means of payment are that card is paid or paid in cash, and described type of payment can be that bank's button is paid or credit payment.
In according to method provided by the invention, after described common terminal receives shopping information, further comprising the steps of: as, to confirm whether kind, quantity, the modes of payments, the payment of shopping be correct according to the shopping information of user's input; If one of them is incorrect, re-enter by output device request user, if all correct, check volume residual in this kind merchandising database, if surplus is more than or equal to shopping quantity, then send described shopping information to described control center server, otherwise, if the surplus deficiency then shows request affirmation available stock quantity immediately, as be identified, the message of then will doing shopping is issued described control center server.
According to the invention provides in a kind of unmanned method of payment based on Metropolitan Area Network (MAN), may further comprise the steps: the multimedia terminal provides the payment of consumption to select, the prompting consumer products information and the amount of money, the prompting consumer carries out plug-in card, select article of consumption and its payment is confirmed, article of consumption and the Payment Request confirmed are passed through OPC terminal authentication server, judge the legitimacy of this request; If legal, calculate the required amount of money by OPC applications/data storehouse server, with the bank paying server communication/transmission request of withholing and the information of withholing; Request is handled in the multimedia terminal, reads the information of withholing, and takes over payment process, and requires plug-in card (various bank cards, Payment Card etc.), imports password, and it is sent to bank's processing server wait result; Bank's processing server is at the bank card Card Reader and password is correct and remaining sum when sufficient, withholds successfully; , password mistake incorrect or Sorry, your ticket has not enough value, the failure of withholing at the bank card Card Reader; And will pay successfully or the information of failure sends to control center (OPC) server; Control center (OPC) is if server is received the bank paying successful information, and the notification command terminal is finished the transaction of consumer's selected item, if receive the bank paying failure information, command terminal Cancels Transaction; Under normal circumstances finish transaction, terminal sends transaction immediately and finishes information to control center (OPC) server; Cause transaction to make mistakes if abnormal conditions take place as outage, network failure etc., then send the transaction error message and can't receive that to control center or control center transaction finishes information and judge to conclude the business and make mistakes; Receive that as control center (OPC) server terminal transaction normally finishes information, the record Transaction Information is to database, and sends the effective information of concluding the business to bank; As receiving that not transaction normally finishes information, send transaction cancellation information to bank.
Implement unmanned payment system and the method based on Metropolitan Area Network (MAN) provided by the invention, can satisfy the demand of people, also release that service range is wide, investment is little, can set up fast and the unmanned payment system that is easy to adjust provides technical support for businessman to self-help serving system.Unmanned payment system and method based on Metropolitan Area Network (MAN) provided by the invention can be based upon on multimedia terminal equipment, server, existing bank computer system and the communication line basis, constitute the intelligent information service system of collection multimedia information inquiry, commodity purchasing and an on-line payment function, really accomplish under unattended situation, for the client provides round-the-clock, comprehensive service.On method of payment of the present invention and system-based, can realize and support to realize following expanded function, as: automatic ticketing, online stock trading, electronic chart, shopping online, entertainment music, public information etc., conscientiously convenient popular, acceleration city electronization, networking promotes the progress of social life.
Description of drawings
Fig. 1 is the structure diagram of system of the present invention.
The system of the embodiment of the invention as shown in Figure 1, the a plurality of multimedia terminal that has microcomputer 300 of public arena, the terminal authentication server 200 that is connected with first communication system 100, control center server 700 and the OPC control center applications/data storehouse servers 500 of being installed in that comprise first communication system 100, connect by first communication system 100, applications/data storehouse server 500 pass through second communication system 400 and are connected with bank processing server 600.Wherein, the basic composition of each multimedia terminal 300 is as follows: the computing machine that 1) is equipped with multimedia touching screen; 2) code keypad of financial circles special use, card reader; 3) the network communication equipment interface of high reliability; 4) special software.
The basic composition of the network center of realization and support system and method for the present invention comprises: 1) the terminal authentication server 200; 2) the bank preposing processing server 600; 3) applications/data storehouse server 500 and 4) terminal online/monitoring server 700.
Connect by LAN (Local Area Network) between each station server of network center (200,500,600,700), its communication protocol is the ICP/IP protocol that meets international standard; The connection of terminal authentication server 200 and communication network center switch (not shown) with communicate by letter, be to connect by optical fiber, adopt TCP/IP and VPN VPN (virtual private network) communication mode to realize.Bank's processing server 600 is connected with the network system of bank main frame by the DDN special line, adopts X.25 communication protocol.Between each multimedia terminal 300 and the network center, can select multiple connection and communication mode.For example (1) ISDN adopts communication protocols such as PPP, TCP/IP, DHCP; (2) ADSL adopts communication protocols such as PPP, TCP/IP, DHCP; (3) connect the composition high-speed lan by multimode/single-mode fiber/twisted-pair feeder or the like with network center, communication protocol is TCP/IP, DHCP.
The function that further specifies various piece is as follows:
The major function that multimedia terminal 300 provides comprises: (1) introduces businessman's related background information; (2) issue marketing information: kind, quantity, price etc.; (3) handle the relevant funtion part of the various modes of payments one front ends, all kinds of cards/cash validity differentiates, in the payment process with the communicating by letter and data exchanging function (withholing, refresh remaining sum or the like) of bank server; (4) handle transaction, submit to Transaction Information to give the OPC control center server.
OPC control center server major function specifies as follows:
Bank preposing processing server 600 is mainly used in the payment processes (withhold, remaining sum refresh) of the communication function of finishing between each terminal and the bank main, all types of cards.
Applications/data storehouse server 500, be mainly used in the detail record information of each terminal transaction project of storage, these data are used for clearing and account transfer on the one hand, also can be used for backstage statistics and analysis, report output or the like, and clearing between each dealer and the terminal electronic business platform supplier and account transfer function.
Said system mainly uses bank card to pay, and the bank card treatment scheme of use is as follows:
1. terminating machine:
Prompting consumer products information and the amount of money, the prompting consumer carries out step such as plug-in card etc.
2. consumer:
Select article of consumption
3. control center (OPC) server:
Receive consumer's request,, judge the legitimacy of request by OPC terminal authentication server; Calculate the required amount of money by OPC applications/data storehouse server, with the bank paying server communication/transmission request of withholing and the information of withholing
4. bank's processing server:
Handle request, read the information of withholing, take over payment process
5. consumer:
Plug-in card (various bank cards, Payment Card etc.), the input password is waited for result
6. bank's processing server:
(1) the correct and remaining sum foot of bank card Card Reader and password is withholdd successfully
(2) incorrect, the password mistake of bank card Card Reader or Sorry, your ticket has not enough value, the failure of withholing
(3) information of paying successfully or fail is sent to control center (OPC) server.
7. control center (OPC) server:
(1) receive the bank paying successful information, command terminal is finished the transaction of consumer's selected item
(2) receive the bank paying failure information, command terminal Cancels Transaction
8. terminal:
Normal condition is finished transaction, and instant transmission transaction is finished information to control center (OPC) server; Cause transaction to make mistakes if abnormal conditions take place as outage, network failure etc., then send the transaction error message and can't receive that to control center or control center transaction finishes information and judge to conclude the business and make mistakes;
9. control center (OPC) server:
As receive that terminal transaction normally finishes information, the record Transaction Information is to database, and sends the effective information of concluding the business to bank; As receiving that not transaction normally finishes information, send transaction cancellation information to bank.
As required, also can make in cash and pay, as using coin-freed arrangement, paper money identifier etc., these payment identifications are independently finished by terminal, and payment result information is delivered to control center (OPC) server.
System and method provided by the invention, can provide service for all kinds of businessmans, for example the unattended transaction platform and the modes of payments are provided: for the businessman and the corresponding consumer of domestic and international any classification provides the unattended marketing method and the modes of payments for following all kinds of businessmans and corresponding consumer, as each emporium, city, the sale at each big physical culture, amusement, GT grand touring businessman, issue of lottery center etc.
Utilize system and method for the present invention, can provide, enumerate as follows: 1) bank card than the much more modes of payments of traditional sales counter sale of ticket mode; 2) stored value card; 3) member card and 4) pay in cash; Simultaneously, utilize system and method for the present invention to realize paying by mails and have following characteristics: high safety, the reliability of (1) transaction; 2) total system complete closed, the transmission of data adopt dedicated network to carry out, and its security, reliability reach the requirement of specialized bank's transaction payment; 3) modes of payments is extremely fast, only need trivial several seconds time, the expense that the holder need pay can be deducted by system within several seconds, and remaining sum on holder's the card is accurately write its corresponding account, had avoided on traditional marketing method cash to make up a deficiency all inconvenience and the time waste that brings fully; 4) adopt safe, complete, reliable hardware system and encryption of software system measure, guaranteed consistance, the database transaction record of system integrality, and transaction payment/clearing is accurate.Simultaneously, native system provides strong backstage practical management function to the unattended modes of payments, comprising: (1) businessman classification clearing form; (2) the detailed clearing of terminal form; (3) bank's (card) classification clearing form.
Unmanned payment system and method based on Metropolitan Area Network (MAN) provided by the invention, owing to utilize the multiple operation management method that is easily understood, helping prompt, analysis of statistical data, colourful advertisement be can also add, purchase of customer inquiry and businessman's managerial marketing greatly facilitated.Applicability is that extensibility is strong, be suitable for multiple place as talents market, school, market, station, airport, harbour, bank, sub-district etc., can sell all paid bills such as sight spot admission ticket, air ticket, ticket, welfare lottery ticket, film ticket, and function can expand easily and strengthen.
Claims (30)
1, a kind of unmanned payment system based on Metropolitan Area Network (MAN), it is characterized in that, comprise first communication system (100), a plurality of multimedia terminals that have microcomputer (300) that are installed in the public arena by described first communication system (100) connection, the terminal authentication server (200) that is connected with described first communication system (100), control center server (700) and OPC control center applications/data storehouse server (500), described applications/data storehouse server (500) is connected with bank's processing server (600) by second communication system (400), described common terminal (300) according to user's interaction results, payment process is carried out pre-service, send Payment Request by described terminal authentication server (200) and described applications/data storehouse server (500) to described bank processing server (600), described bank processing server (600) passes through control center server (700) with payment result, transaction results is sent to described common terminal (300), the Transaction Information of confirming is sent to described bank processing server (600) by described common terminal (300).
2, according to the described system of claim 1, it is characterized in that described first communication system (100) is to be based upon in the scope of city the communication system of employing PPP, TCP/IP based on ISDN, DHCP data agreement or based on the communication network of employing PPP, the TCP/IP of ADSL, the communication system of DHCP data agreement or the employing PPP, the TCP/IP that set up by multimode/single-mode fiber/twisted-pair feeder, DHCP agreement or the data communication of supporting by wireless communication systems such as GSM, CDMA, CDPD.
3, according to the described system of claim 2, it is characterized in that, described second communication system (400) be adopt the personal communication system that meets agreement X.25 of DDN special line or adopt that multimode/single-mode fiber/twisted-pair feeder makes up meet frame relay or communication protocols such as DDN or ATM.
According to claim 2 or 3 described systems, it is characterized in that 4, described control center server (700) interconnects by high-speed local area network with described terminal authentication server (200), described applications/data storehouse server (500).
5, according to the described system of claim 1, it is characterized in that, described common terminal (300) comprises the financial payment input equipment that cooperates code keypad or touch-screen to use, and can be one or more the combination in IC-card read write line, magnetic card read write line, coin-freed arrangement, the bank note input media.
6, according to the described system of claim 1, it is characterized in that, comprise that also ID authentication device is connected with described first communication system (100) by optical fiber, and adopt TCP/IP and the communication of VPN VPN (virtual private network) communication mode.
7, according to the described system of claim 6, it is characterized in that, described applications/data storehouse server (500) is given described common terminal (300) by first communication system (100) transmission commodity and Transaction Information, the confirmation letter of the user profile that described terminal authentication server (200) will provide described common terminal (300) by described first communication system (100)
8, a kind of unmanned method of payment based on Metropolitan Area Network (MAN), be to comprise a plurality of multimedia terminals (300) that connect by first communication system at one, the control center server (700) that is connected with first communication system (100), terminal authentication server (200), realize in the comprehensive city field network system of applications/data storehouse server (500) and bank's processing server (600) of connecting by second communication system (400), it is characterized in that, may further comprise the steps: described multimedia terminal (300) select with regard to consumption with the user and reciprocation is carried out in payment, form the payment request information that comprises shopping/service consumption information that a request will receive by described first communication system (100), through described certificate server (200) authentication, be transferred to described control center applications/data storehouse server (500); Described control center server after database is temporarily sold record, sends confirmation and asks to provide the payment information affirmation simultaneously to described common terminal (300) by described first communication system (100) when confirming that Payment Request is effective; Described common terminal (300) (is collected money the described payment information that the user provides for cash, then be subjected to line and confirm that from now on process just finishes, clearing come into force) through encrypting, be transferred to described control center server (700) by described first communication system (100); The described payment information that described control center server (700) will be received is transferred to described bank processing server (600) by described second communication system (400), and waits for checkout result; If receive the information that clearing come into force, control center server (700) is given described common terminal (300) by described first communication system (100) with the information transmission of confirming to sell, point out Transaction Success and sell commodity by described common terminal (300), and send and confirm that the information sell success gives control center server (700), control center server (700) changes the record of doing in the database temporarily to sell into sold record; If receive the information that clearing are invalid, described control center server (700) changes the record of doing in the database temporarily to sell into still unsold record, will confirm to buy the information transmission of failure to described common terminal (300) by described first communication system (100); If clearing come into force, but because accidental cause causes terminal not sell out kinds of goods, control center server (700) can not receive confirms to sell the information of success, change the record of doing in the database temporarily to sell into still unsold record and failure sold in record, and notify the maintainer to investigate failure cause; Pay for adopting cash base, on-site terminal (300) is carried out the reimbursement formality, for adopting other modes of payments, control center server (700) sends cancels the request of withholing to bank's processing server (600), cancel/return the information of withholing if receive bank, then confirm to cancel and withhold successfully; Do not cancel/return the information of withholing if receive bank, just then send a request of cancelling to withhold to bank's processing server (600) every the suitable cycle.
9, described according to Claim 8 method, it is characterized in that, also comprise the step of checking at set intervals: the sale detail to common terminal (300), control center server (700), bank's processing server (600) is checked account, and the outcome record of will checking account is got off in order to inquiry and solved and handles.
10, described according to Claim 8 method, it is characterized in that, the information that the shopping solicited message that described common terminal will receive is given described control center server by described first communication system transmits also comprises the plane No. of the common terminal that sends this shopping information except shopping/service consumption information.
11, described according to Claim 8 method is characterized in that, described control center server confirms that Payment Request effectively may further comprise the steps: whether the kind of confirming shopping/service consumption is correct; If this information is incorrect, described control center server sends the common terminal machine of a refusal shopping request message to the request shopping immediately, if information is correct, check volume residual in this kind merchandising database, if surplus more than or equal to shopping quantity, then sends the request confirmation, otherwise, if the surplus deficiency then sends the common terminal machine of the message of a refusal shopping request to the request shopping immediately.
12, described according to Claim 8 method is characterized in that, described control center server is all monitored, settled accounts and add up transaction each time.
13, described according to Claim 8 method is characterized in that, comprises following three infill layer steps at least: ground floor, to the code keypad data encryption; The second layer, VPN network and OPC control center carry out authenticated encryption; The 3rd layer, part payment adopts cipher mode and the system that bank is identical and authenticate, with the security of guaranteeing payment.
14, described according to Claim 8 method, it is characterized in that, described control center server finish sell thing after, calculating can be sold thing quantity, can sell commodity amount and sell off if detect, it is out of print to send commodity by Metropolitan Area Network (MAN) administrative center to described common terminal machine by described control center server, removes the indication of advertisement.
15, described according to Claim 8 method, it is characterized in that, the payment information that described common terminal sends comprises means of payment, type of payment and payment and payment identity information, described payment identity information can be account number and password, or membership number and password, described means of payment are that card is paid or paid in cash, and described type of payment can be that bank's button is paid or credit payment.
16, described according to Claim 8 method is characterized in that, and is after described common terminal receives shopping information, further comprising the steps of: according to the shopping information of user's input, confirm whether kind, quantity, the modes of payments, the payment of shopping be correct; If one of them is incorrect, re-enter by output device request user, if all correct, check volume residual in this kind merchandising database, if surplus is more than or equal to shopping quantity, then send described shopping information to described control center server, otherwise, if the surplus deficiency then shows request affirmation available stock quantity immediately, as be identified, the message of then will doing shopping is issued described control center server.
17, a kind of unmanned method of payment based on Metropolitan Area Network (MAN), it is characterized in that, may further comprise the steps: the multimedia terminal provides the payment of consumption to select, the prompting consumer products information and the amount of money, the prompting consumer carries out plug-in card or cash payment, select article of consumption and its payment is confirmed, article of consumption and the Payment Request confirmed are passed through OPC terminal authentication server, judge the legitimacy of this request; If legal, calculate the required amount of money by OPC applications/data storehouse server, with the bank paying server communication/transmission request of withholing and the information of withholing; Request is handled in the multimedia terminal, reads the information of withholing, and takes over payment process, and requires plug-in card (various bank cards, Payment Card etc.), imports password, and it is sent to bank's processing server wait result; Bank's processing server is at the bank card Card Reader and password is correct and remaining sum when sufficient, withholds successfully; , password mistake incorrect or Sorry, your ticket has not enough value, the failure of withholing at the bank card Card Reader; And will pay successfully or the information of failure sends to control center (OPC) server; Control center (OPC) is if server is received the bank paying successful information, and the notification command terminal is finished the transaction of consumer's selected item, if receive the bank paying failure information, command terminal Cancels Transaction; Under normal circumstances finish transaction, terminal sends transaction immediately and finishes information to control center (OPC) server; Cause transaction to make mistakes if abnormal conditions take place as outage, network failure etc., then send the transaction error message and can't receive that to control center or control center transaction finishes information and judge to conclude the business and make mistakes; Receive that as control center (OPC) server terminal transaction normally finishes information, the record Transaction Information is to database, and sends the effective information of concluding the business to bank; As receiving that not transaction normally finishes information, send transaction cancellation information to bank.
18, a kind of unmanned payment system based on Metropolitan Area Network (MAN), comprise first communication system, by a plurality of common terminal that has microcomputer of public arena, the terminal authentication server that is connected with described first communication system and OPC control center applications/data storehouse servers of being installed in that described first communication system connects, described applications/data storehouse server passes through the second communication system and is connected with bank payment system.
According to the described system of claim 18, it is characterized in that 19, described first communication system is metropolitan area communication system or the strange land connected network communication system that comprises wireless or wired, public or special line, described second communication system is the financial sector personal communication system.
According to the described system of claim 18, it is characterized in that 20, described applications/data storehouse server is connected with terminal by network, transmits commodity and Transaction Information therebetween.
21, according to the described system of claim 18, it is characterized in that, described common terminal comprises the financial payment input equipment that cooperates code keypad or touch-screen to use, and can be one or more the combination in IC-card read write line, magnetic card read write line, coin-freed arrangement, bank note input media, OCR input media, the bar code input media.
22, according to the described system of claim 18, it is characterized in that, comprise that also ID authentication device is connected with described first communication system.
23, a kind of unmanned method of payment based on Metropolitan Area Network (MAN) is characterized in that, may further comprise the steps:
The shopping solicited message that described common terminal will receive through the certificate server authentication, is transferred to described control center applications/data storehouse server by described first communication system;
Described control center server after database is temporarily sold record, provides payment information to confirm by described first communication system to described common terminal transmission confirmation and request simultaneously when confirming that the shopping request is effective;
The described payment information that described common terminal provides the user is confirmed through encrypting by described first communication system transmits to described control center server;
The described payment information that described control center server will be received to described bank payment settlement system, and is waited for checkout result by described second communication system transmissions;
If receive the information that clearing come into force, control center server is given described common terminal by described first communication system with the information transmission of confirming to sell, point out Transaction Success and sell commodity by described common terminal, and send and confirm that the information sell success gives control center server, control center server changes the record of doing in the database temporarily to sell into sold record;
If receive the information that clearing are invalid, described control center server changes the record of doing in the database temporarily to sell into still unsold record, will confirm to buy the information transmission of failure to described common terminal by described first communication system.
If clearing come into force, but because accidental cause causes terminal not sell out kinds of goods, control center server can not receive confirms to sell the information of success, changes the record of doing in the database temporarily to sell into still unsold record and failure sold in record, and notifies the maintainer to investigate failure cause.Simultaneously, control center server sends cancels the request of withholing to bank's processing server, cancels/return the information of withholing if receive bank, confirms that then cancellation withholds successfully; Do not cancel/return the information of withholing if receive bank, just then send a request of cancelling to withhold to bank's processing server every the suitable cycle.
Every a suitable cycle, just carry out terminating machine by the staff, control center, the sale of bank accounting checking is found to misfit and is in time found the cause and properly settle.
24, according to the described method of claim 23, it is characterized in that, the information that the shopping solicited message that described common terminal will receive is given described control center server by described first communication system transmits also comprises the plane No. of the common terminal that sends this shopping information except shopping information.
According to the described method of claim 23, it is characterized in that 25, described control center server confirms that ticket purchasing request effectively may further comprise the steps: whether the kind of confirming booking is correct; If shopping information is incorrect, described control center server sends the common terminal machine of a refusal shopping request message to the request shopping immediately, if information is correct, check volume residual in this kind merchandising database, if surplus more than or equal to shopping quantity, then sends the request confirmation, otherwise, if the surplus deficiency then sends the common terminal machine of the message of a refusal shopping request to the request shopping immediately.
According to the described method of claim 23, it is characterized in that 26, described control center server is all monitored, settled accounts and add up transaction each time.
According to the described method of claim 23, it is characterized in that 27, process of exchange has passed through at least three infill layers: ground floor, code keypad data encryption; The second layer, VPN network and OPC control center authenticated encryption; The 3rd layer, part payment adopts cipher mode and the system that bank is identical and authenticate, with the security of guaranteeing payment.
28, according to the described method of claim 23, it is characterized in that, described control center server finish sell thing after, calculating can be sold thing quantity, can sell commodity amount and sell off if detect, it is out of print to send commodity by Metropolitan Area Network (MAN) administrative center to described common terminal machine by described control center server, removes the indication of advertisement.
29, according to the described method of claim 23, it is characterized in that, the payment information that described common terminal sends comprises means of payment, type of payment and payment and payment identity information, described payment identity information can be account number and password, or membership number and password, described means of payment are that card is paid or paid in cash, and described type of payment can be that bank's button is paid or credit payment.
30, according to the described method of claim 23, it is characterized in that, after described common terminal receives shopping information, further comprising the steps of: as, to confirm whether kind, quantity, the modes of payments, the payment of shopping be correct according to the shopping information of user's input; If one of them is incorrect, re-enter by output device request user, if all correct, check volume residual in this kind merchandising database, if surplus is more than or equal to shopping quantity, then send described shopping information to described control center server, otherwise, if the surplus deficiency then shows request affirmation available stock quantity immediately, as be identified, the message of then will doing shopping is issued described control center server.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 01129808 CN1414498A (en) | 2001-10-22 | 2001-10-22 | Unmanned on duty pagment system and method based on city region network |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 01129808 CN1414498A (en) | 2001-10-22 | 2001-10-22 | Unmanned on duty pagment system and method based on city region network |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1414498A true CN1414498A (en) | 2003-04-30 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 01129808 Pending CN1414498A (en) | 2001-10-22 | 2001-10-22 | Unmanned on duty pagment system and method based on city region network |
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| Country | Link |
|---|---|
| CN (1) | CN1414498A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104463586A (en) * | 2014-12-04 | 2015-03-25 | 李政德 | Offline payment method suitable for channel supplier |
| CN107154900A (en) * | 2016-03-02 | 2017-09-12 | 阿里巴巴集团控股有限公司 | A kind of message processing method and device |
| CN113469666A (en) * | 2021-06-01 | 2021-10-01 | 合肥美的智能科技有限公司 | Transaction processing method, device, server and storage medium |
-
2001
- 2001-10-22 CN CN 01129808 patent/CN1414498A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104463586A (en) * | 2014-12-04 | 2015-03-25 | 李政德 | Offline payment method suitable for channel supplier |
| CN107154900A (en) * | 2016-03-02 | 2017-09-12 | 阿里巴巴集团控股有限公司 | A kind of message processing method and device |
| CN113469666A (en) * | 2021-06-01 | 2021-10-01 | 合肥美的智能科技有限公司 | Transaction processing method, device, server and storage medium |
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