CN203562018U - Payment system - Google Patents
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- CN203562018U CN203562018U CN201320287433.0U CN201320287433U CN203562018U CN 203562018 U CN203562018 U CN 203562018U CN 201320287433 U CN201320287433 U CN 201320287433U CN 203562018 U CN203562018 U CN 203562018U
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- card
- payment system
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- processing terminal
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Abstract
The utility model provides a payment system. The payment system comprises a card reader, a transmission device, and a processing terminal. Card information obtained by the card reader is output to the processing terminal through the transmission device. The processing terminal and a card management center perform data interaction through a network, completing payment. The payment system uses a swiping card method to input card information to a terminal device, and participates to complete online transaction, so a procedure of opening card online transaction is not needed. Using the swiping card method, input of the card information is not needed, preventing the card information from being stolen caused by inputting the card information on the terminal, being beneficial for ensuring the card information and security of stored-value, and meanwhile the system is convenient to use, and online transaction is more convenient and fast.
Description
Technical field
The utility model belongs to stored value card payment technical field, is specifically related to a kind of payment system that stored value card pays that is applied to.
Background technology
Along with social development; various stored value cards are applied to people's life; more typical; bank card for example; development along with the Internet bank; increasing transaction is carried out on the net; conventionally need to input bank card information on the net; and will complete transaction, need to open ebanking services by this bank card; also must there be the various secret key protections of considering for secure context; this brings certain interference to online transaction, and information, in the input of device end, the event that bank card information is stolen also easily occurs.
Utility model content
In order to solve the problems of the technologies described above, the utility model provides a kind of payment system, and the mode that employing is swiped the card in terminal, has participated in stored value card input information in transaction, and to achieve these goals, the utility model by the following technical solutions.
A payment system, comprising:
Card reader, comprising: for obtaining the portion that swipes the card of card image, and for the decoding process chip of computing that the information of obtaining is decoded, and the sending module that receives described decoding process chip output information;
Transmitting device, comprising: receive the receiver module of described sending module output information, the processing module that docking collection of letters breath is processed, and the transmission ends of information output after processing for described processing module;
Processing terminal, comprise: receive the receiving end of described transmission ends output information, the load module of inputting for data, process the processing unit of information and the described load module input data of described receiving end output, and the display unit of demonstration information, data and described processing unit processes result.
Further, the sending module of described card reader and the receiving element of described transmitting device are connected by signal transmssion line.
Further, described sending module is wireless sending module, and described receiver module is the wireless receiving module with described sending module wireless connections.
Further, the built-in identical transmission of wireless signals agreement of described wireless sending module and wireless receiving module, described transmission of wireless signals agreement comprises wifi agreement and Bluetooth protocol.
Further, described transmission ends is connected by data line with described receiving end.
Further, described processing terminal is desktop computer, portable computer, cell phone, panel computer or palm PC.
Further, described load module comprises physical button.
Further, described display unit comprises touching display screen, and described load module carries out data input by touching display screen.
Further, also comprise card management center, described card management center is connected with described processing terminal by network.
The utility model payment system adopts the mode of swiping the card that card image is input to terminal device, participation completes online transaction, avoided card to open the formality of online transaction, the employing mode of swiping the card, without the input of carrying out card image, avoided card image stolen because of input in terminal, be conducive to guarantee the safety of card image and Stored Value, simultaneously easy to use, make online payment more quick.
Accompanying drawing explanation
Fig. 1 is the module map of a kind of payment system embodiment 1 of the utility model.
Embodiment
The realization of the utility model object, functional characteristics and advantage, in connection with embodiment, are described further with reference to accompanying drawing.Should be appreciated that specific embodiment described herein is only in order to explain the utility model, and be not used in restriction the utility model.
With reference to Fig. 1, Fig. 1 is the module map of the utility model payment system embodiment 1, this payment system can be used in bank card, the payment of the cards such as stored value card, particularly on network payment, use, this payment system comprises card reader 1, transmitting device 2, processing terminal 3 and card management center 4, card reader 1 reads card image and is input to processing terminal 3 by transmitting device 2, processing terminal 3 carries out data interaction by network and card management center, processing terminal 3 is known card image from card management center 4, can also whether card be paid and be verified, such as authentication password etc., then complete transaction.
Wherein, card reader 1 comprises the portion of swiping the card 11, codec processing unit 12 and sending module 13, the portion 11 that swipes the card can read the card images such as bank card, stored value card, through decoding process chip 12, decode after computing and output to sending module 13,13 of sending modules by this communication to transmitting device 2.
The information transmission mode of card reader 1 and transmitting device 2 can be wired form, for example, adopt signal transmssion line that the receiver module 21 of the sending module of card reader 1 13 and transmitting device 2 is connected, to realize the transmission of information; Also can be wireless mode, sending module 13 is wireless sending module, its built-in radio circuit and emitting antenna, 21 of receiver modules are the wireless receiving module corresponding with sending module 13, it comprises receiving antenna and radio circuit, built-in identical transmission of wireless signals agreement in sending module 13 and receiver module 21, such as wifi agreement, Bluetooth protocol etc.Card reader 1 is of portable form, if wired mode is connected with transmitting device, as long as the interface of data line is set in card reader.
In other embodiment, payment system only includes card reader, transmitting device and processing terminal, the realization of its payment function is by card reader, transmitting device and processing terminal, in payment process, by processing terminal, by network and card management center, carry out data interaction, belong to payment system from card management center obtaining information, obtain the information support outside system.
Method of payment of the present invention has been mainly used in online payment, and for example shopping online payment, Mobile phone card and Payment Card are supplemented with money, transferred accounts etc., comprise the following steps particularly.
First, processing terminal connected to the network sends payment demand, and shows on the display unit of processing terminal, and displaying contents at least comprises the amount of money of transaction, and indivedual transaction also comprise transaction journal number etc.Card possessor swipe the card in card reader, and card reader reads card image, and this card image is transferred to processing terminal by transmitting device.Processing terminal obtains after card image, on display unit, show, for safety and secret, can a display section card number, processing terminal carries out data interaction by network and card management center, and transmission card image is to card management center, and whether card management center arranges checking demand according to card and whether decide checking, do not need to verify that ask by payment at card management center, on processing terminal, shown payment.
In other embodiments, card needs verification step when paying, when processing terminal shows checking demand, input validation code on processing terminal, processing terminal transfers to card management center by network by the identifying code of input and verifies, when consistent with the reserved code in card management center, by checking; Otherwise send checking request again, and point out on processing terminal.Wherein, reserved code can be the card password that presets and be stored in card management center, also can be that card management center is sent to the random code of the reserved communication number of card by network, for example, send to the random code of reserved cell-phone number, can be also above-mentioned two kinds all has.
The utility model Payment System Design is novel, has avoided producing while paying request and needing Net silver just can complete the drawback of payment on the net, and can guarantee the safety of card image and Stored Value, for online transaction provides a kind of new modes of payments.
The foregoing is only preferred embodiment of the present utility model; not thereby limit the scope of the claims of the present utility model; every equivalent structure or conversion of equivalent flow process that utilizes the utility model instructions and accompanying drawing content to do; or be directly or indirectly used in other relevant technical fields, be all in like manner included in scope of patent protection of the present utility model.
Claims (8)
1. a payment system, is characterized in that, comprising:
Card reader, comprising: for obtaining the portion that swipes the card of card image, and for the decoding process chip of computing that the information of obtaining is decoded, and the sending module that receives described decoding process chip output information;
Transmitting device, comprising: receive the receiver module of described sending module output information, the processing module that docking collection of letters breath is processed, and the transmission ends of information output after processing for described processing module;
Processing terminal, comprise: receive the receiving end of described transmission ends output information, the load module of inputting for data, process the processing unit of information and the described load module input data of described receiving end output, and the display unit of demonstration information, data and described processing unit processes result.
2. payment system according to claim 1, is characterized in that, the sending module of described card reader is connected by signal transmssion line with the receiving element of described transmitting device.
3. payment system according to claim 1, is characterized in that, described sending module is wireless sending module, and described receiver module is the wireless receiving module with described sending module wireless connections.
4. payment system according to claim 1, is characterized in that, described transmission ends is connected by data line with described receiving end.
5. payment system according to claim 1, is characterized in that, described processing terminal is desktop computer, portable computer, cell phone, panel computer or palm PC.
6. payment system according to claim 1, is characterized in that, described load module comprises physical button.
7. payment system according to claim 1, is characterized in that, described display unit comprises touching display screen, and described load module carries out data input by touching display screen.
8. according to the payment system described in claim 1-7 any one, it is characterized in that, also comprise card management center, described card management center is connected with described processing terminal by network.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201320287433.0U CN203562018U (en) | 2013-05-21 | 2013-05-21 | Payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201320287433.0U CN203562018U (en) | 2013-05-21 | 2013-05-21 | Payment system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN203562018U true CN203562018U (en) | 2014-04-23 |
Family
ID=50511724
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201320287433.0U Expired - Fee Related CN203562018U (en) | 2013-05-21 | 2013-05-21 | Payment system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN203562018U (en) |
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2013
- 2013-05-21 CN CN201320287433.0U patent/CN203562018U/en not_active Expired - Fee Related
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| TR01 | Transfer of patent right |
Effective date of registration: 20190716 Address after: 518000 Guangdong city of Shenzhen province Qianhai Shenzhen Hong Kong cooperation zone before Bay Road No. 1 building 201 room A Patentee after: Enjoyment Technology Co., Ltd. Address before: 518057 Room 113, 1st Floor, T3 Building, No. 011 Nanqidao High-tech Industrial Village, Nanshan District, Shenzhen City, Guangdong Province Patentee before: SHENZHEN GUANKAI TECHNOLOGY CO., LTD. |
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| TR01 | Transfer of patent right | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20140423 Termination date: 20210521 |
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| CF01 | Termination of patent right due to non-payment of annual fee |