CN1642273A - Digital image POS system - Google Patents

Abstract

The invention relates to a POS system mainly using digital camera shooting technique to strengthen bank card use safety, especially able to be applied to bank, marketplace, school, and other various places using the bank card, and the invention can real-timely monitor the used condition of the bank card, and as abnormal transactions like large-number transaction occurs, a central digital video POS information processing server will automatically display field transaction condition and legal user data on a monitoring screen, and the central monitoring personnel compares the picture of the user provided by camera with the picture provided by legal user and determines if to interrupt abnormal card-scanning transaction, so as to protect capital safety of band-card holding user, and as the transaction is an normal small-number transaction, the POS system stores picture data only.

Description

The digitized video POS system

The present invention relates to a kind of digital camera technology of mainly utilizing and increase bank card POS system safe in utilization, can be applicable to the place of various use bank cards such as family, bank, market, various supermarket (or shop), restaurant, hospital, school, hotel, public place of entertainment especially, and such as securities futures trading place etc.

China from distribution in 1985 first " middle silver card " afterwards, the bank card total circulation reaches 5.69 hundred million (in by the end of June, 1985 to 2003), but the use of bank card is confined to large supermarket, the market, the hotel, minority top-grade consumption places such as hotel, most of bank cards are debit cards etc., credit card only accounts for ratio seldom, because the environment with card is very narrow, make most of bank cards become " sleep card ", the reason that causes this phenomenon is the owning amount of China POS machine too low (only being 300,000), the ratio of developed countries such as relative USA and Europe, the demand of the POS machine of China should be in (data of People's Bank of China) more than 1,500 ten thousand.And the POS machine to throw in slow be not that (State Council of the People's Republic of China has set up company of Unionpay in March, 2002 for problem on the policy system, decision reduces the charge of bank card in mid-December, 2003 again, to promote the popularization of bank card, though receive certain effect, but very unobvious), but be too poor the causing of fail safe that the POS machine uses.On October 4th, 2002, Russian hacker's Vassili Ge Shikefu (Vasiliy Gorshkov) of 27 years old is sentenced to imprisonment in 3 years in the U.S. with the charge of " computer crime ", he is with another hacker, be proved the e-commerce website that illegally enters the U.S. 40 tame banks and more than 10 state, steal up to ten thousand credit card informations and carry out crime.At the beginning of 12 months this year, the destruction of China Chongqing police is fled in Fujian together for a long time, Chongqing, the financial crime clique that utilizes high-tech means to commit a crime transprovincially, and several of this clique's crimes utilize homemade bank card accumulative total to spend the amount of money freely and reach 1,800,000 yuan; This year, the Nanjing police arrest revived certain by the end of November, and he manages to extract other people password, and the self-control credit card is taken and spent freely other people away and deposits more than 120,000 yuan.The offender generally obtains other people password earlier, because all there are camera system in ATM and bank, they dare not or seldom directly reach money, spends freely but purchase without restraint on the POS machine, and therefore, the loss that the bank card case is brought to credit card user generally is very big.

In order to take precautions against bank card crime, bank card circle has to adopt the online swindle detection techniques of cost costliness in the world, and this technology just increases some fail safes relatively, but and unreliable.Therefore, International Banks Ka Jie is carrying out the more great magnetic stripe card of cost to the EMV of IC-card migration again.These technology still can not fundamentally prevent the generation of bank card case, and overseas bank generally warns the user not deposit too much money in credit card account, in order to avoid loss is too big when accident takes place.Because bank card uses the insecurity of equipment, though cause the distribution of banks of China card climax to occur, card consumption is stabilized in low-level.Recent domestic more rise bank card password and signature battle, in order to merge with the world, abolish password during the bank card consumption that has now and change signature, because the shop waiter can not each and every one be a bibliotist, make businessman as though treading on thin ice before bank card, abroad, businessman has only the casualty insurance of purchase to come assigned risk, and at home, have only risk is married again with on the account, the consumer is feared very much, during complaint application bank card, the clause of signing is unequal, thereby influences the enthusiasm that people hold card.Simultaneously, consume weakness is also arranged by the input password, in some public arenas, the process that accesses to your password often also is the process of divulging a secret, and the password frequency of utilization is high more, and the probability of divulging a secret is big more.Before unsafe POS machine, people only hold coin consumption, and bank card is hesitated to move forward.

Yet the convenience that the POS machine brings to the consumer but is undoubted, particularly after SARS; people are in consumption, also in the health of noting protection self, because when using cash; the consumer very easily infects various diseases, and uses bank card can reduce the chance of contact germ.In addition, system of real name is carried out by country, lowers the service charge of bank card in the recent period again, and the restriction cash transaction is too much, popularizes bank card, to prevent criminal activities such as tax scams, money laundering, creates transparent, legal financial passage.Therefore, make a kind of safe POS system, not only benefit the people, and help the financial sector that country sets up health, can also export to foreign countries, allow the China's Financial electronics industry occupy a tiny space in the world.

The object of the present invention is to provide a kind of POS system that has camera function; the bankcard network center can be monitored the operating position of bank card in real time; when abnormal conditions occurring; as block trade; consume too frequent etc.; the POS netscape messaging server Netscape that the center has image decompressor and unusual transaction controlled function can automatic data with as seen situation and validated user be shown on the monitor screen; the user's that center monitoring personnel provide according to video camera image and the image that validated user provides compare; and whether decision interrupts abnormal transaction of swiping the card; fund security with the protection bank card user; but transaction is normal small amount, and system only deposits image document.This POS system will spread to huge numbers of families and numerous businessman.

Technical scheme of the present invention is as follows: basic design philosophy of the present invention is that existing various POS system are transformed, client (POS machine) increases digital camera and image Compression sending function, the bankcard network center is equipped with reception simultaneously, image decompressor, the image storage, the monitoring of transaction situation, functions such as unusual transaction control, the mode of doing business of whole system is transformed into employing digitized video mode of doing business: when consumer's bankcard consumption, belonging to small amount as amount normally consumes, the video camera of digitized video POS machine is photographed user's image come, after compression, pass to the bankcard network center through telephone wire or computer network winding thread with user's Transaction Information, the center stores it, deposit as the user is taken away by others, and these information will be the strong evidences that public security is solved a case.When carrying out that block trade or transaction consumption habit too frequent and transaction situation and validated user is inconsistent etc. concludes the business unusually, the bankcard network center is by software control, automatically the image with the user shows, the monitor staff at center checks subscriber data, compare according to user's (the legal person of holding of bank card) photo that provides and user's image, confirm that user and user are same individual, could allow its transaction; If photo and image are variant, can refuse to pay, and notify the Field Force to take action, malice is stolen other people personnel of property punish.In order to monitor the situation at POS machine operation scene more clearly, video camera can be used the colour TV camera of low-light (level), high definition, what camera lens will be with wide-angle, like this, the monitor staff can more clear more understanding transaction field condition.H.263 the compress mode of image has, MPEG-4, MPEG-1, JPEG etc., can determine according to the server capacity and the network transfer speeds of bankcard network central store subscriber data.The bankcard network center also is equipped with conclude the business the unusually display screen of situation of special explicit user; the a lot of customer transaction situations of demonstration that can be real-time; the certain amount of software setting is passed through (as 1000 yuan of RMB in the bankcard network center; this amount should be determined according to the comprehensive law of bank card operating position and security situation); when dealing money surpasses this amount or concludes the business when unusual; the situation at the system scene of will concluding the business automatically and user's data are shown on the center monitoring display screen; the user that the monitor staff at center checks on-the-spot user of transaction and bank card is same man-hour; the ability admission to dealings; as variant; can refuse transaction; in time notify the Field Force to handle, with protection user property safety.

The present invention includes client and bankcard network center, wherein client is made up of the digitized video POS machine that is installed on numerous businessmans and family, digitized video POS machine is by imaging circuit (can be the imaging circuit that adopts COMS or ccd image sensor), camera lens, H.263 image compression circuit (can be taked, MPEG-4, MPEG-1, in the compression modes such as JPEG any), CPU, LCDs, the Modem circuit, operation keyboard, swiping card equipment, compositions such as printing device are (for reducing cost, client can be according to user's needs, select whether to be equipped with printing device, when not timing, the user can inquire about the balance of funding, operating result etc. at any time by the digital telephone bank POS machine).Wherein CPU and display screen, imaging circuit, compressor circuit, Modem circuit, operation keyboard, swiping card equipment, printing device link, and Modem circuit and telephone wire, compressor circuit, CPU link, and imageing sensor and camera lens link; The chip that digitized video POS machine also can adopt the shooting compression to become one.The bankcard network center is equipped with simultaneously has the image reception, image decompressor, the monitoring of transaction situation, the equipment of functions such as unusual transaction control, the center is mainly by digital communication equipment, POS netscape messaging server Netscape with image decompressor and unusual transaction controlled function, compositions such as transaction situation display screen, POS netscape messaging server Netscape and digital communication equipment with image decompressor and unusual transaction controlled function, the transaction situation indicator links, the digital communication access device comprises digital SPC exchange, Modem, multi-serial-port cards etc., it and the public communication network of phone and computer network link.

Among the present invention, digitized video POS machine is made up of (for reducing cost imaging circuit, camera lens, image compression circuit, CPU, LCDs, Display Register, Hanzi font library circuit, Modem circuit, memory, operation keyboard, dial-up circuit, various software, encrypted circuit, swiping card equipment, printing device and power circuit etc., client can select whether to be equipped with printing device according to user's needs).CPU and imaging circuit, image compression circuit, LCDs, Display Register, Modem circuit, memory, operation keyboard, dial-up circuit, encrypted circuit, Hanzi font library circuit, swiping card equipment, printing device and power circuit link, various softwares are stored in CPU and the memory, Modem circuit and telephone wire link, and power circuit and imaging circuit, image compression circuit, LCDs, Display Register, Modem circuit, memory, operation keyboard, dial-up circuit, Hanzi font library circuit link; The digitized video POS machine of client also can be made the POS machine of charged words function, and telephony feature and POS function are become one.The bankcard network center is made up of the POS netscape messaging server Netscape with image decompressor, image storage and the controlled function of concluding the business unusually, transaction situation display screen, digital SPC exchange, multi-serial-port card, network interface card, Modem, decryption device etc.Multi-serial-port card and digital SPC exchange, Modem circuit, network interface card link, digital SPC exchange links by trunk line and telephone communication network, network interface card directly and digitized video POS machine link, Modem circuit and multi-serial-port card, decryption device link, and decryption device links with the POS netscape messaging server Netscape with image decompressor, image storage and the controlled function of concluding the business unusually.For making the present invention can finish trans-regional, transnational transaction and paying, the bank main system also links with China national finance communication network, international finance communication network.

The bankcard network center also can be connected with public Packet Based Network by port X.25, and like this, calling is connected and takes out stitches and finished by POSPAD between the digital telephone bank POS machine of client and the main frame.

The course of work of the present invention may further comprise the steps:

1, the client swipes the card then by the definite service item that needs of operand word image POS switch dish, and key entry holder's personal identification code PIN and dealing money etc., digitized video POS machine automatic camera and compression;

2, the digitized video POS machine of client with the Transaction Information (transaction classification, dealing money, personal identification code PIN etc.) of client operation after encrypting, form the information that request is authorized, by telephone wire information is passed to the bankcard network center with the user's of compression image information;

The bankcard network center is with the Transaction Information storage of receiving, after the deciphering, has image decompressor, the POS netscape messaging server Netscape of image storage and unusual transaction controlled function is handled trading information data, check holder's PIN code and available funds remaining sum, when dealing money does not reach the arm's length dealing of the set wholesale standard in bankcard network center, whether the POS netscape messaging server Netscape only checks holder's PIN code and available funds remaining sum effective, when affirmation client's transaction is effective, authorization message is sent it back client, and the transaction of confirming the client is when invalid, invalid information is beamed back client, please the user operate again or on-hook.Reach the block trade standard or conclude the business when unusual as turnover; the situation at the system scene of will concluding the business automatically and user's data are shown on the center monitoring display screen; the user that the monitor staff at center checks on-the-spot user of transaction and bank card is same man-hour; the ability admission to dealings; as variant; can refuse transaction, in time notify the Field Force to handle, with protection user property safety.When the user was nonlocal user, the bank main system after affirmation client's the transaction effectively, beamed back authorization message to client by the credit card issuer contact of China national finance communication network or international finance communication network;

3, after client was received authorization message, after the client confirmed (promptly by the acknowledgement key on the client POS machine), this transaction had just struck a bargain, and client is printed transaction results automatically;

4, the POS netscape messaging server Netscape of bankcard network center-side is got in touch by China national finance communication network and the on-site city of holder liquidation center, automatically deduction transaction fund from client's deposit account (or credit card account).

The fail safe of digitized video POS machine is very high, its foundation and applying, to promote China's " Golden Card Program " to in-depth development more, and the finance that will change people is accustomed to and community organization, make people adopt electronic payment as much as possible, because the account transfer speed of electronic money is much higher than the velocity of liquid assets of paper ticket and bank note, this will make huge contribution to the commodity production and the circulation of Chinese society.Simultaneously, this system also can export to all over the world, promotes the development of China's high-tech product export business.

Below in conjunction with accompanying drawing, the present invention is described further.

Fig. 1 is a system principle structure chart of the present invention;

Fig. 2 is the principle assumption diagram of client;

Fig. 3 is service centre's principle assumption diagram;

Fig. 4 is the workflow diagram of client;

Fig. 5 is the workflow diagram of service centre side.

Fig. 1 to Fig. 3 has reflected integral body of the present invention and local hardware principle structure.What Fig. 4, Fig. 5 illustrated is the workflow of client of the present invention and service centre side.As Fig. 1, Fig. 2 and shown in Figure 4, when the user operates, earlier put through bankcard network center phone by the digitized video POS machine of client, behind closing of the circuit, can show available service item on the display screen of digitized video POS machine, the user key-press dish is selected needed service content (as agiotage, futures etc.), swipe the card and import oneself personal identification code and transaction content, the digital telephone bank POS machine forms text automatically with above information, and the text structure comprises text head, message text, text tail.The text head is meant client code, input text sequence number, text type (banking, non-banking business, domestic service, international business), text priority, input time etc.Message text is meant information such as dealing money, transaction classification, personal identification code.The text tail is meant the afterbody that is additional to text, in order to tell some special circumstances of the relevant text of receiving terminal.As this transaction is banking, and its text must meet the desired message format of bank.Need add the text identification code during all text transmission, when transmission, must encrypt.Encrypted text through telecommunication bureau's switching network to the bankcard network center-side, center-side with message decryption after, confirm that text effectively (comprises and confirm individual subscriber identification code, user account remaining sum, user's prestige, message format etc.) be i.e. the digital telephone bank POS machine of transmission mandate text to client, the user continues operation and results verification is done in operation, client printing result, this transaction is promptly finished.When the POS machine directly links by network and bankcard network center, then need not dialing, select service item, other operation is similar to the above.

As Fig. 1,3 and shown in Figure 5, in the bankcard network center-side, pass through computer network, or several PCM/E1 numerical key road trunk lines are connected with a digital switch, article one, the PCM trunk line can hold 30 road voice and data processing, adopt the cno.1 signaling system, digital switch has relaying and reelects function, finish dial-up access of the present invention and queuing, lane assignment is arrived space channel, be connected on the bank main by multi-serial-port card, multiple task operating system by the bank main system just can provide a plurality of dial access services simultaneously like this, and signal inserts after modulator-demodulator Modem demodulation, the decryption device deciphering, enter the bank main system through multi-serial-port card again, whether this systems inspection text is effective, and invalidate message then is returned to client with invalid information, please the user operate again; If text is effective, system confirms whether be block trade again, not then in digitized video POS treatment system, to carry out corresponding data processing (as business is trans-regional or international business, then should with the bank main communication of corresponding area, the line data of going forward side by side is handled), send authorization message to client, the client continues operation and operating result is confirmed, then this transaction strikes a bargain, and with the regional liquidation center communication in the China national finance communication network, carries out clearance; When being block trade; the image at the digitized video POS treatment system scene of will concluding the business automatically and the image document of validated user show on the center monitoring display screen; whether the validated user that the monitor staff differentiates user and bank card is same people; permitting transaction when image conforms to proceeds; do not conform to and to refuse transaction; in time notify the Field Force to handle, with protection user property safety.Foreign Transactions in this way, clearance should be got in touch with the clearing bank of respective country and be finished clearance.Digitized video POS treatment system also can be connected with public Packet Based Network by port X.25, and like this, calling is connected and takes out stitches and finished by POSPAD between the digital telephone bank POS machine of client and the main frame.

In order to guarantee user security, client of the present invention do not write down, not explicit user and personal identification code, and personal identification code is only deposited in the bank in the main frame, and the general staff can not consult.

This invention also can be used for the stock futures business; country is for promoting the non-at-scene transaction of stock futures, on service charge, give preferential, the present invention is installed in the securities futures trading center in user family after; the field condition of monitoring remote transaction that can be safe and reliable, protection client's fund security.This invention also can be used for business such as payment of duty, account transfer, EFT and telecommunication department charge.

Claims (8)

1, a kind of digital camera technology of mainly utilizing increases bank card POS system safe in utilization, it is characterized in that it comprises has the shooting and the client (digitized video POS machine) of digital image compression and has image reception, image decompressor, image storage, the monitoring of transaction situation, the conclude the business bankcard network center-side of functions such as control unusually, client is made up of the digitized video POS machine that is installed on huge numbers of families and numerous businessmans, and they link by telephone communication network or computer network and bankcard network center; The bankcard network center-side is by digital communication access device, digitized video POS information processing system, the display monitoring system etc. that concludes the business forms unusually, digital communication access device and telephone communication network link, and digitized video POS information processing system and digital communication access device, computer network, the display monitoring system that concludes the business links unusually.

2, according to the described digitized video POS system of claim 1, the digitized video POS machine that it is characterized in that client is by imaging circuit, camera lens, image compression circuit, CPU, LCDs, Display Register, the Hanzi font library circuit, the Modem circuit, memory, operation keyboard, dial-up circuit, encrypted circuit, swiping card equipment, composition such as power circuit and various softwares, CPU and imaging circuit, image compression circuit, LCDs, Display Register, the Modem circuit, memory, operation keyboard, dial-up circuit, encrypted circuit, the Hanzi font library circuit, swiping card equipment, printing device and power circuit link, various softwares are stored in CPU and the memory, Modem circuit and telephone wire link, power circuit and LCDs, Display Register, the Modem circuit, memory, operation keyboard, dial-up circuit, the Hanzi font library circuit links.

3, according to the described digitized video POS system of claim 1, it is characterized in that the bankcard network center-side is by digital communication access device, digitized video POS information processing system, the display monitoring system etc. that concludes the business forms unusually, digital communication access device and telephone communication network link, and digitized video POS information processing system and digital communication access device, computer network, the display monitoring system that concludes the business links unusually.Digitized video POS machine can become one with telephone set, makes the product of functions such as having conversation, ecommerce, POS concurrently.

4, according to claim 1,2 described digitized video POS system, it is characterized in that when the bank card user bankcard consumption, the video camera of digitized video POS machine is photographed user's image come, after compression, pass to the bankcard network center through telephone wire or grid line with user's Transaction Information, the center stores it, is taken away by others as user's deposit, and these information will be the strong evidences that public security is solved a case

5, according to claim 1,3 described digitized video POS system, it is characterized in that when carrying out that block trade or transaction consumption habit too frequent and transaction situation and validated user is inconsistent etc. concludes the business unusually, the bankcard network center is by software control, automatically the image with the user shows, the monitor staff at center checks subscriber data, compare according to user's (the legal person of holding of bank card) photo that provides and user's image, confirm that user and user are same individual, could allow its transaction; If photo and image are variant, can refuse to pay, and notify the Field Force to take action, malice is stolen other people personnel of property punish.For making the present invention can finish trans-regional, transnational transaction and paying, the bank main system also links with China national finance communication network, international finance communication network.

6, according to claims 1 described digitized video POS system, port is connected with public Packet Based Network to it is characterized in that also passing through digitized video POS information processing system X.25, like this, call out between the digitized video POS machine of client and the main frame and be connected and take out stitches and finish by POSPAD.

7, according to claims 1 described digitized video POS system, H.263 the compress mode that it is characterized in that its image has, MPEG-4, MPEG-1, JPEG etc., can determine according to the server capacity and the network transfer speeds of bankcard network central store subscriber data.

8, according to the described digitized video POS system of claim 1, it is characterized in that the bankcard network center is by the certain amount (as 1000 yuan of RMB) of software setting, surpassing this amount is wholesale, and this amount should be determined according to the comprehensive law of bank card operating position and security situation.The consumption habit of bank card validated user should be added up by the bankcard network center and be worked out corresponding software.The whether frequent judgement of consumption also should be decided according to the statistical law of consumer's comprehensive condition.

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