The system and method for payment transaction
One, technical field
The present invention relates to a kind of system and method for payment transaction, especially a kind of system and method for paying and concluding the business by portable electronic devices and ATM.
Two, background technology
ATM (ATM (Automatic Teller Machine)) is the most general present self-help bank's equipment, and it provides the most basic bank service, promptly goes out the paper money transaction, and other has the more full ATM of some function ratio that deposit business can also be provided.Simultaneously the user also can carry out account inquiries, transfer accounts, revises business such as password on ATM, thereby has really realized interactive service mode, and with a important tool that ATM is concluded the business be magnetic card.
Along with the digitized fast development of society, various magnetic card transaction systems have appearred, because people use different magnetic cards to pay the bill or conclude the business at different service needed under different occasions, various dissimilar magnetic cards have been produced, as bank card, debit card, stock market's transactional cards etc. thereupon.
Though magnetic card has made things convenient for people's life, also exist following defective simultaneously:
1, carry multiple magnetic card simultaneously with oneself, the inconvenience that easily causes keeping and carry is also lost easily;
2, because the medium that reads of magnetic card exposes, be very easy to fracture or damage, it can't be concluded the business;
3, the account number of magnetic card and password are easy to be stolen by the people, thereby have reduced safety coefficient, have brought loss to the user;
4, different magnetic card for safety tends to be provided with different passwords, makes the user must remember the password of each magnetic card, just in case forgotten password, will cause the sizable inconvenience of user.
Three, summary of the invention
The above-mentioned technical matters of the present invention for existing in the solution background technology, and a kind of payment transaction system easy to use, safe and method are provided.
Technical solution of the present invention is: the present invention is a kind of system of payment transaction, and its special character is: this system comprises the card reader that reads card information; Carry out the central processing unit of data processing; Card information on the card reader is inputed to card information input interface in the central processing unit; Card information output interface with the card information input ATM (Automatic Teller Machine) after the central processing unit processing; Be used for storing the data storage module of complex by the card information that this card reader read; Be used for storing and comprise that the user accesses to your password and the magnetic card password, with the data security authentication module of the security of guaranteeing payment transaction; Be used for controlling the payment transaction control module of the transaction executive routine between central processing unit and ATM (Automatic Teller Machine); Described card reader is joined by card information input interface and central processing unit, described central processing unit joins by card information output interface and ATM (Automatic Teller Machine), and described data storage module, data security authentication module, payment transaction control module are joined with central processing unit respectively.
Said system also comprises the data update module that is used for increasing newly, deleting or revise the card information data that are stored in the data storage module, and described data update module and central processing unit join.
Said system also comprises the display device of carrying out picture that is used for showing transaction, and described display device and central processing unit join.
Said system comprises also and is used for importing for the user input media of the relevant information of transaction operation that described input media and central processing unit join.
Above-mentioned card reader comprises the slot that is used for carrying out the Card Reader program module of Card Reader operation and places magnetic card.
Said system can directly be applied on palmtop computer, electronic dictionary or the PDA (Personal Digital Assistant).
A kind of above-mentioned payment transaction system transaction method of paying of utilizing, its special character is: this method may further comprise the steps:
S21) utilize card reader to read card information on the magnetic card, and the card information that card reader read is stored in the central processing unit by the card information input interface;
S22) this central processing unit is connected with ATM (Automatic Teller Machine) in wired or wireless mode by the card information output interface, any one accounts information and ATM (Automatic Teller Machine) that the user selects to be stored in the data storage module are carried out transaction, ATM (Automatic Teller Machine) verifies the accounts information and the password that transmit, to be verified by after the transaction of can paying.
Above-mentioned steps S21) utilize card reader to read card information on the magnetic card, and the card information that card reader read is as follows by the concrete steps that the card information input interface is stored in the central processing unit:
S31) central processing unit of payment transaction system shows that on display device the prompting frame of whether carrying out the Card Reader program is for user's selection, if then proceed to step S32); Otherwise end operation;
S32) the Card Reader program module of central processing unit startup card reader begins to carry out the Card Reader program;
S33) data security authentication module display password input prompt frame on display device, the user is by input media input magnetic card password;
S34) whether the password of data security authentication module checking user input is correct, if then proceed to step S35), otherwise select to return step S33) or end operation;
S35) the Card Reader program module reads each relevant information in the magnetic card, comprises the affiliated credit card issuer information of magnetic card, magnetic card classification and magnetic card identification code etc., and information data is stored in the data storage module;
S36) central processing unit shows whether continue the Card Reader prompting frame on display device, is then to be back to step S32 if select), otherwise withdraw from operation.
Above-mentioned steps S22) central processing unit is connected with ATM (Automatic Teller Machine) in wired or wireless mode by the card information output interface in, any one accounts information and ATM (Automatic Teller Machine) that the user selects to be stored in the data storage module are carried out transaction, ATM (Automatic Teller Machine) verifies the accounts information and the password that transmit, to be verified by after can the pay concrete steps of concluding the business as follows:
S41) payment transaction system shows the prompting frame of whether concluding the business on display device, if then proceed to step S42, otherwise logs off;
S42) user utilizes input media need to select the magnetic card of transaction;
S43) data security authentication module display password input prompt frame on display device, the user utilizes input media to input corresponding password;
S44) central processing unit and ATM (Automatic Teller Machine) verify respectively whether the password of this user input and the account number of magnetic card coincide, if by then proceeding to step S45, otherwise selection is returned step S43 or closed the trade;
S45) the central processing unit card information that will be stored in the data storage module is sent to ATM (Automatic Teller Machine);
S46) ATM (Automatic Teller Machine) confirms whether this magnetic card Transaction Information that is received is effective, if effectively then proceed to step S47, otherwise closes the trade;
S47) ATM (Automatic Teller Machine) is according to information and executing transaction and the associative operation thereof of user by the input media input;
S48) central processing unit of payment transaction system shows on display device whether the continuous business prompting frame is selected for the user, if select continuous business then to be back to step S42, otherwise logs off.
The present invention can need not to carry multiple magnetic card by portable electronic devices and the ATM transaction of paying, and prevents to lose or damage the unnecessary loss that causes because of magnetic card.The present invention simultaneously can be stored in all card information in the portable electronic devices; the user need not to remember simultaneously a plurality of passwords; and storage and the encryption function that can utilize portable electronic devices to have are carried out encipherment protection to card information; can carry out the double-encryption protection to the card information data, thereby improve the security of using.
Four, description of drawings
Fig. 1 is the structured flowchart of payment transaction system of the present invention;
Fig. 2 is the method flow diagram of payment transaction method of the present invention;
Fig. 3 reads the detail flowchart of card information for payment transaction system of the present invention;
Fig. 4 is the detail flowchart that payment transaction system of the present invention and ATM carry out payment transaction.
Five, embodiment
Referring to Fig. 1, payment transaction system 3 of the present invention comprises card reader 2, card information input interface 31, card information output interface 32, data storage module 33, data update module 34, display device 35, input media 36, central processing unit 37, data security authentication module 38 and payment transaction control module 39.
Card reader 2 includes the Card Reader program module 21 that is used for carrying out the Card Reader operation.On this card reader 2, be provided with the slot of placing magnetic card 1, and be connected with this Card Reader program module 21, this Card Reader program module 21 contains the Card Reader program at specific magnetic card 1, can control 2 pairs of magnetic card 1 information of card reader reads, and magnetic card 1 information that reads deciphered, then these data are kept in the payment transaction system 3, carry out data transfer with ATM4 for this payment transaction system 3.
Card information output interface 32 is used for connecting payment transaction system 3 and ATM4, needs simultaneously a receiving trap is installed on ATM4, is used to receive the data of transmission.This receiving trap can be USB interface and is used for being connected by wired mode with ATM4 for payment transaction system 3, also can be infrared receiver and is used for being connected by wireless mode with ATM4 for payment transaction system 3.
Data storage module 33 is used for storing magnetic card 1 information that many card reader 2 are read, and magnetic card 1 information that this data storage module 33 stores comprises the affiliated credit card issuer information of magnetic card, magnetic card classification and magnetic card identification code etc. at least.
Data update module 34 is used for increasing newly, deleting or revise the card information data that are stored in the data storage module 33.
Display device 35 is used for showing the picture that carries out of transaction, so that allow the user learn the process that transaction is carried out, this display device can be LCDs (LCD).
Input media 36 is used for importing the relevant information that transaction is operated for the user, and this input media can be a keyboard or a point-touch pen.
Central processing unit (CPU) 37 is used for handling and coordinates action between each module, after the user utilizes input media 36 to start the Card Reader program, even central processing unit 37 card reader 2 read the information in the magnetic card 1, and with the data storing that reads in data storage module 33, after the user carries out transaction request by these input media 36 inputs, this central processing unit 37 promptly reads relevant data in data storage module 33, and start the relevant transaction operation of these payment transaction control module 39 controls, and implementation and result are presented on the display device 35.
Store user's password and magnetic card password in the data security authentication module 38, be used in process of exchange, verifying user's identity.
Payment transaction control module 39 is used for controlling the transaction degree of carrying out between payment transaction system 3 and ATM4.
System of the present invention can directly be applied on the portable electronic devices, on palmtop computer, electronic dictionary and PDA (Personal Digital Assistant) (PDA), utilizes this portable electronic devices to be connected with ATM4 to pay the operation of transaction.
To be applied on the PDA (Personal Digital Assistant) is example, external card reader and interface on PDA (Personal Digital Assistant), in built-in data security authentication module 38 of PDA (Personal Digital Assistant) and payment transaction control module 39, can finish the operation of payment transaction in conjunction with original structure in the PDA (Personal Digital Assistant).
Card reader 2 can be external device, and external design can be simplified the volume of PDA (Personal Digital Assistant), but the card information input interface need be set on PDA (Personal Digital Assistant), is connected with card reader by a transmission line.Card reader also can be designed to built-in.
On PDA (Personal Digital Assistant), the encryption function that the data security authentication module also can utilize PDA (Personal Digital Assistant) self to have can be carried out double-encryption protection, the security that further improves payment transaction to stored card information data.
Referring to Fig. 2, method flow of the present invention is as follows:
S21) utilize card reader 2 to read card information on the magnetic card 1, and magnetic card 1 information that card reader 2 is read is stored in the central processing unit 37 by card information input interface 31;
S22) this central processing unit 37 is connected with ATM4 in wired or wireless mode by card information output interface 32, any one accounts information and ATM4 that the user selects to be stored in the data storage module 33 carry out transaction, ATM4 verifies the accounts information and the password that transmit, to be verified by after the transaction of can paying.
Referring to Fig. 3, it is as follows that system of the present invention reads the detailed process of card information:
S31) central processing unit 37 of payment transaction system 3 shows that on display device 35 prompting frame of whether carrying out the Card Reader program for user's selection, is then to proceed to step S32 if select; Otherwise end operation;
S32) the Card Reader program module 21 of central processing unit 37 startup card reader 2 begins to carry out the Card Reader program, then proceeds to step S33;
S33) data security authentication module 38 display password input prompt frame on this display device 35, the user utilizes input media 36 input magnetic cards 1 password, then proceeds to step S34;
S34) whether the password of data security authentication module 38 checking user inputs is correct, if then proceed to step S35), otherwise select to return step S33) or end operation;
S35) Card Reader program module 21 reads each relevant information in the magnetic card 1, comprises the affiliated credit card issuer information of magnetic card, magnetic card classification and magnetic card identification code etc., and information data is stored in the data storage module 33, then proceeds to step S36;
S36) central processing unit 37 shows whether continue the Card Reader prompting frame on display device 35, if selection is then to be back to step S32, otherwise withdraws from operation;
Referring to Fig. 4, the detailed process of payment transaction system of the present invention and ATM4 execution payment transaction is as follows:
Step S41) this payment transaction system 3 shows the prompting frame of whether concluding the business on display device 35, if then proceed to step S42, otherwise logs off;
Step S42) user utilizes input media 36 need to select the magnetic card 1 of transaction, then proceeds to step S43);
S43) data security authentication module 38 display password input prompt frame (comprise the user accesses to your password and magnetic card password) on display device 35, the user utilizes the corresponding password of input media 36 inputs, then proceeds to step S44;
S44) payment transaction system 3 and ATM4 verify respectively whether the password of this user input and the account number of magnetic card 1 coincide, if by then proceeding to step S45, otherwise selection is returned step S43 or closed the trade;
S45) central processing unit 37 magnetic card 1 information that will be stored in the data storage module 33 is sent to ATM4, then proceeds to step S46;
S46) ATM4 confirms whether this magnetic card Transaction Information that is received is effective, if effectively then proceed to step S47, otherwise closes the trade;
S47) ATM4 then proceeds to step S49 according to the information and executing transaction and the associative operation thereof of user by input media 36 inputs.
S48) central processing unit 37 of payment transaction system 3 shows on display device 35 whether the continuous business prompting frame is selected for the user, if select continuous business then to be back to step S42, otherwise logs off 3.