CN206133674U - Payment terminal, server and payment systems - Google Patents
Payment terminal, server and payment systems Download PDFInfo
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- CN206133674U CN206133674U CN201620786048.4U CN201620786048U CN206133674U CN 206133674 U CN206133674 U CN 206133674U CN 201620786048 U CN201620786048 U CN 201620786048U CN 206133674 U CN206133674 U CN 206133674U
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Abstract
The utility model provides a payment terminal, server and payment systems, this terminal includes: input device, display device, controller, collection system and communication module, collection system for gather user's biometric information, when being used for human -computer interaction, input device gathers user's card number and input password, collection system and input device are connected respectively to the input of controller output is used for handling biometric information, card number and password, communication module sets up and be used for transmitting biometric information, card number and password between controller and server, and display device is used for showing human -computer interaction's process and result, whether the server is used for discerning user's card number, password and biometric information unanimous with the user info who predetermines the reservation, still is used for verifying biometric information according to the operation number of times when receiving critical control point core operating instruction. When core operation such as relate to the transaction, pay, transfer accounts, need verify biometric information once more, reach the purpose of safe handling.
Description
Technical field
This utility model belongs to finance device, particularly information network, the technology such as mobile Internet network transaction payment neck
Domain, is specifically related to a kind of payment terminal, server and payment system.
Background technology
Biological identification technology (Biometric Identification Technology) is referred to and utilizes human body biological characteristics
Carry out a kind of technology of authentication.More specifically, biometrics identification technology be exactly by computer and optics, acoustics,
The high-tech means such as biosensor and biostatisticss' principle are intimately associated, special using the intrinsic physiological property of human body and behavior
The checking for levying to carry out personal identification identifies, recognition of face, is one kind that facial feature information based on people carries out identification
Biological identification technology；Fingerprint recognition, is a kind of biological identification technology that fingerprint feature information based on people carries out identification.
However, existing payment terminal lacks effectively safe Hedging mechanism, when user is often gone out using payment terminal
Electronic card or account number are retained in into payment terminal now, so as to more other people cause opportunity, the money in bank card is easily by him
People takes away.Meanwhile, existing encryption setting technology, mode, link belong to the weak passwurd of lower level, there is leak hidden danger, Yi Beiren
Usurp, deceive use, falsely use, misapply, cause serious fund property loss.
Utility model content
The shortcoming of prior art in view of the above, the purpose of this utility model are to provide a kind of payment terminal, service
Device and payment system, for solving in prior art payment terminal because forgeing or reason, electronic card or the account number quilt such as stolen, cheated
Steal the safety problem of brush.
For achieving the above object and other related purposes, this utility model provides a kind of payment terminal, including：Input dress
Put, display device, controller, harvester and communication module；The harvester, the biological characteristic for gathering user are believed
Breath；The input equipment is used for card number and the input password that user is gathered during man-machine interaction；The input difference of the controller
The outfan for connecting the harvester and the input equipment is used to process biological information, card number and password；It is described logical
Letter module is arranged between the controller and server to be used to transmit biological information, card number and password, the display dress
Put and be connected with the controller, for showing the process and result of man-machine interaction.
Preferably, the harvester includes face acquisition module and finger print acquisition module, the face acquisition module with
The input of controller is connected for gathering the face characteristic of user；The input of the finger print acquisition module and the controller
It is connected for gathering the fingerprint of user.
Preferably, the input equipment includes card number evaluator and/or input keyboard；The card number evaluator and the control
Device processed is connected for gathering user's electronics card number or account number；The input keyboard is connected with the controller for realizing man-machine friendship
Mutually.
Preferably, also including voice module, the voice module is connected with the outfan of the controller, for when detection
User when using payment terminal plays and shifts to an earlier date recorded speech information, reminds user not forget electronic card or account with voice messaging
Number, and remind cheated.
Preferably, also including infrared detection module and alarm module, the infrared detection module is defeated with the controller
Enter end to be connected for whether detection has user in the range of which；The alarm module is connected with the outfan of the controller to be used for
Detection user's alarm sounds sound and voice message not in the range of which and when account number or electronic card are not exited.
Preferably, the payment terminal is any one in smart mobile phone, computer, ATM, POS or card reader.
Another object of the present utility model is to provide a kind of server, and the server net joins multiple payment terminals, its
Described in server include biological characteristic recognition module, memorizer and processor, the processor connect respectively biological characteristic knowledge
Other module and memorizer, the biological characteristic recognition module are for the biological information identifying user according to user, described to deposit
Reservoir is used to store user profile；The processor connects the communication module to be used to verify that the user of identification, card number, password are
The user profile of no user profile storage is completely the same；It is additionally operable to when the instruction of CCP core operation is received, by behaviour
Make number of times checking biological information.
Preferably, the biological characteristic recognition module is face recognition module and fingerprint identification module, the recognition of face
Module is connected the processor for according to the biological information identifying user for receiving respectively with fingerprint identification module.
The purpose of this utility model also resides in a kind of payment system of offer includes above-mentioned payment terminal and server.
As described above, payment terminal of the present utility model, server and payment system, have the advantages that：
By biological information checking being arranged in payment terminal, not only increase the safety of payment terminal, meanwhile,
When user uses payment terminal, it is related to conclude the business, withdraws the money, pays, transferring accounts, settling accounts, changing the operation of the key such as password control point
When, server needs to verify again biological information, even if user by electronic card or account number forget payment terminal other people
Lack of competence carries out core operation；Also by payment terminal set the voice module moment remind user operation safety, do not forget to take away
Electronic card or account number；Finally, payment terminal can more be prevented trouble before it happens by Infrared Detectorss and the cooperation of alarm module, with police
Report sound reminds user and manager, improves whole payment system safety, using biological information and electronic card or account number
Correspondence is bound, and really realizes the system of real name registration and management of account card number, traces beneficial to tracking is reviewed, and effectively prevention and prevention is each
Plant the generation of the illegal activities such as telecommunication fraud, money laundering.
Description of the drawings
Fig. 1 is shown as the structured flowchart of payment terminal of the present utility model；
Fig. 2 is shown as the example structure block diagram that this uses new payment terminal；
Fig. 3 is shown as the structured flowchart of server of the present utility model；
Fig. 4 is shown as the complete structure block diagram of payment system of the present utility model.
Component label instructions：
1 payment terminal
11 controllers
12 harvesters
13 input equipment
14 display devices
15 communication modules
16 voice modules
17 alarm modules
18 infrared detection modules
2 servers
21 processors
22 biological characteristic recognition modules
23 memorizeies
Specific embodiment
Embodiment of the present utility model is illustrated below by way of specific instantiation, those skilled in the art can be by this theory
Content disclosed by bright book understands other advantages of the present utility model and effect easily.This utility model can also be by addition
Different specific embodiments is carried out or applies, and the every details in this specification can also be based on different viewpoints and answer
With, without departing from it is of the present utility model spirit under carry out various modifications and changes.It should be noted that, in situation about not conflicting
Under, the feature in following examples and embodiment can be mutually combined.
It should be noted that the diagram provided in following examples only illustrates of the present utility model basic in a schematic way
Conception, only shows the component relevant with this utility model then rather than according to component count during actual enforcement, shape in schema
And size is drawn, which is actual when the implementing kenel of each component, quantity and ratio can be a kind of random change, and its assembly layout
Kenel is likely to increasingly complex.
Fig. 1 is referred to, this utility model provides a kind of payment terminal, including：Input equipment 13, display device 14, control
Device 11, harvester 12 and communication module 15；The harvester 12, for gathering the biological information of user；It is described defeated
Enter device 13 for the card number and input password of user are gathered during man-machine interaction；The input and harvester of the controller 11
12 outfan and the outfan of input equipment 13 are homogeneously used in conjunction in processing biological information, card number and password, and according to connecing
The result for receiving server signs in user interface；The communication module 15 is arranged at the controller 11 with service
It is used for transmitting biological information, card number and password between device 2, the display device 14 is connected with the controller 11, is used for
Show the process and result of man-machine interaction.Wherein, the biological information in the application is preferably recognition of face and fingerprint recognition,
May also include fingerprint, sound etc..
In the present embodiment, the preferably special logic circuit of the controller 11 to be realizing, by the special of particular design
Logic circuit realizing, without the need for reprogramming；The communication module 15 can be wireless communication module 15 or/and wire communication module
15, set according to demand, the display device 14 may generally be display, display screen etc. and can show setting for interaction or result
It is standby.
Specifically, the harvester 12 includes face acquisition module and finger print acquisition module, the face acquisition module
It is connected with the input of controller 11 for gathering the face characteristic of user；The finger print acquisition module and the controller 11
Input is connected for gathering the fingerprint of user, wherein, when in the terminals such as ATM, POS, finger print acquisition module can with it is defeated
The determination for entering keyboard is integrated in a key, and face acquisition module can be photographic head.
Specifically, the input equipment 13 includes card number evaluator and/or input keyboard；The card number evaluator with it is described
Controller 11 is connected for gathering user's electronic card card number or account number；The input keyboard was used for being connected for the controller 11
Man-machine interaction is realized, for example：Checking qualified entries can send the instruction instruction of CCP core operation to user interface
Or other normal operations are instructed.
Specifically, the payment terminal 1 is any one in smart mobile phone, computer, ATM, POS or card reader.
In the present embodiment, if the payment terminal 1 is smart mobile phone or computer, card number evaluator is not needed；
And in ATM, POS or card reader, then need input keyboard and card number evaluator；In addition, working as the computer and intelligence
When mobile phone difference display device 14 is touch screen, then input equipment 13 is not needed.
As shown in Fig. 2 for the example structure block diagram of payment terminal of the present utility model 1；Including：
In payment terminal 1, voice module 16, the voice module 16 and the controller 11 are further may also include
Outfan be connected, for when detection user when using payment terminal 1, or, terminate using payment terminal 1 user is detected
When, play and shift to an earlier date recorded speech information, remind user not forget electronic card or account number with voice messaging, and remind cheated.
In the present embodiment, controller 11 inserts bank card or defeated according to input equipment 13 when voice module 16 is triggered
Enter electronic card or account number is determined using payment terminal 1；Any operation is not carried out in Preset Time according to user, bank is judged
Card is retained in payment terminal 1.
In payment terminal 1, infrared detection module 18 and alarm module 17, the infrared acquisition mould are further may also include
Block 18 is connected with the input of the controller 11 for whether detection has user in the range of which, can be Infrared Detectorss；Institute
State alarm module 17 to be connected with the outfan of the controller 11 for detecting user not in the range of which and account number or electronic card
Alarm sounds sound when taking away is not exited.
In the present embodiment, the detection range of Infrared Detectorss is limited, when controller 11 obtains user not in detection range
Interior (walking out detection range) and when electronic card or account number remain in payment terminal 1, triggering alarm module 17 sounds, and reaches and carries
Awake user and the purpose of manager, are retained in payment terminal 1, alarm module 17 further up to user's electronic card or account number is reminded
Preferably sound and light alarm.
As shown in figure 3, for the structured flowchart of server of the present utility model 2, the multiple payment terminals of the net connection of the server 2
1, whether the server 2 is consistent with default user profile for identifying user card number, password and biological information,
When verifying qualified, when detect receive CCP core operation instruct when, by number of operations verify biological information,
Wherein, the CCP core operation includes and concludes the business, withdraws the money, paying, transferring accounts, settling accounts, changing the operational orders such as password.
Server 2 includes biological characteristic recognition module 22, memorizer 23 and processor 21, and the processor 21 connects respectively
Biological characteristic recognition module 22 and memorizer 23, the biological characteristic recognition module 22 is for the biological information according to user
Identifying user, the memorizer 23 are used to store user profile；The processor 21 connects the communication module 15 for verifying
The user of identification, card number, the password user profile whether user profile is stored are completely the same；It is additionally operable to work as and receives crucial control
When point core operation is instructed, biological information is verified by number of operations, wherein, specifically, CCP core operation bag
Containing the operational orders such as password of concluding the business, withdraw the money, pay, transfer accounts, settle accounts, change, timely User logs in enters the account of bank card, is relating to
And during aforesaid operations instruction, it is also desirable to corresponding biological information is verified according to the use number of operations of user.
Specifically, the biological characteristic recognition module 22 is face recognition module and fingerprint identification module, and the face is known
Other module is connected the processor 21 for according to the biological information identifying user for receiving respectively with fingerprint identification module.
In the present embodiment, by face recognition module and fingerprint identification module recognition user information, and according to collection
Card number and above- mentioned information is checked one by one with the user profile being stored in memorizer 23 respectively using password, checking is
It is no identical or be consistent；When identical, then arbitrarily can be operated, wherein, core operation includes transaction, pays, withdraws the money, turning
The operational orders such as account, clearing, change password clearing, when user is when it is determined that need core operation, by number of operations by again
Checking finger print information or/and face information reach the purpose for lifting safety, can prevent the electronic card forgotten or account number from being grasped by other people
Make, be to save operating time and optimization operation sequence, in the present embodiment, preferably finger print information confirmation (will fingerprint collecting
Module is united two into one with acknowledgement key and is configured).
As shown in figure 4, be payment system complete structure block diagram of the present utility model, including above-mentioned payment terminal 1 and clothes
Business device 2, the payment system include above-mentioned at least one payment terminal 1 and 2 structure of server, wherein, meanwhile, payment terminal 1
With server 2 under energization work, it is operated with reference to network, here is not repeated one by one.
In sum, this utility model not only increases payment by arranging biological information checking in payment terminal
The safety of terminal, meanwhile, in user's using terminal, it is related to conclude the business, pays, transfers accounts, changing the CCP core such as password
During heart operational order, server needs to verify again biological information, even if electronic card or account number are forgotten by user paying
Terminal other people also lack of competence carry out core operation；Voice module moment prompting user operation peace is set also by payment terminal
Entirely, do not forget to take bank card away；Finally, payment terminal can more be prevented trouble before it happens by Infrared Detectorss and the cooperation of alarm module,
User and manager are reminded with alarm song, whole payment system safety is improve；Using biological information and electronic card or
Account number correspondence is bound, and really realizes the system of real name registration and management of account card number, traces beneficial to tracking is reviewed, effectively prevention and resistance
The only generation of the illegal activity such as various telecommunication frauds, money laundering.So, this utility model effectively overcomes of the prior art
Various shortcoming and have high industrial economic worth.
Above-described embodiment only illustrative principle of the present utility model and its effect are new not for this practicality is limited
Type.Any person skilled in the art all can be carried out to above-described embodiment under without prejudice to spirit and the scope of the present utility model
Modifications and changes.Therefore, such as those of ordinary skill in the art without departing from the essence disclosed in this utility model
All equivalent modifications completed under god and technological thought or change, should be covered by claim of the present utility model.
Claims (9)
1. a kind of payment terminal, it is characterised in that the payment terminal includes：Input equipment, display device, controller, collection
Device and communication module；The harvester, for gathering the biological information of user；The input equipment is used for man-machine friendship
The card number and input password of user are gathered when mutually；The input of the controller connects the harvester and the input respectively
The outfan of device is used to process biological information, card number and password；The communication module is arranged at the controller with clothes
For transmitting biological information, card number and password between business device, the display device is connected with the controller, for showing
The process and result of man-machine interaction.
2. payment terminal according to claim 1, it is characterised in that the harvester includes face acquisition module and refers to
Stricture of vagina acquisition module, the face acquisition module are connected with the input of controller for gathering the face characteristic of user；The finger
Stricture of vagina acquisition module is connected with the input of the controller for gathering the fingerprint of user.
3. payment terminal according to claim 1, it is characterised in that the input equipment include card number evaluator and/or
Input keyboard；The card number evaluator is connected with the controller for gathering user's electronic card card number or account number；The input
Keyboard is connected for realizing man-machine interaction with the controller.
4. payment terminal according to claim 1, it is characterised in that also including voice module, the voice module and institute
The outfan for stating controller is connected, for when detection user is when using payment terminal, playing and shifting to an earlier date recorded speech information, with language
Sound information reminding user does not forget electronic card or account number, and reminds cheated.
5. payment terminal according to claim 1, it is characterised in that also including infrared detection module and alarm module, institute
State infrared detection module to be connected with the input of the controller for whether detection has user in the range of which；The warning mould
Block is connected with the outfan of the controller for detecting that user is sounded not in the range of which and when account number or electronic card are not exited
Chimes of doom and voice message.
6. payment terminal according to claim 1, it is characterised in that the payment terminal be smart mobile phone, computer,
In ATM, POS or card reader any one.
7. a kind of server, it is characterised in that the server net joins multiple payment terminals, wherein the server includes biology
Feature recognition module, memorizer and processor, the processor connect biological characteristic recognition module and memorizer respectively, and described
Biological characteristic recognition module is interconnected with memorizer；The biological characteristic recognition module is for according to the knowledge of the biological information of user
Other user, the memorizer are used to store user profile；The processor connection communication module is used to verify the user of identification, card
Number, the user profile of password whether user profile storage it is completely the same；It is additionally operable to refer to when receiving CCP core operation
Biological information need to be verified by number of operations when making.
8. server according to claim 7, it is characterised in that the biological characteristic recognition module is face recognition module
And fingerprint identification module, the face recognition module, fingerprint identification module connect the processor respectively for according to reception
Biological information identifying user.
9. arbitrary in a kind of payment system, including the payment terminal and claim 7～8 any one of claim 1～6
Server described in.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201620786048.4U CN206133674U (en) | 2016-07-25 | 2016-07-25 | Payment terminal, server and payment systems |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201620786048.4U CN206133674U (en) | 2016-07-25 | 2016-07-25 | Payment terminal, server and payment systems |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN206133674U true CN206133674U (en) | 2017-04-26 |
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ID=58563223
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201620786048.4U Active CN206133674U (en) | 2016-07-25 | 2016-07-25 | Payment terminal, server and payment systems |
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| CN (1) | CN206133674U (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111062012A (en) * | 2019-12-13 | 2020-04-24 | 深圳迅策科技有限公司 | Financial integrated delivery and receipt system based on image recognition |
| CN111222888A (en) * | 2020-01-15 | 2020-06-02 | 深圳耀宇信息技术有限公司 | Biological mixed feature payment method applied to intelligent POS machine |
| CN116258489A (en) * | 2022-12-19 | 2023-06-13 | 深圳市中磁计算机技术有限公司 | Safe payment method applied to POS machine |
-
2016
- 2016-07-25 CN CN201620786048.4U patent/CN206133674U/en active Active
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111062012A (en) * | 2019-12-13 | 2020-04-24 | 深圳迅策科技有限公司 | Financial integrated delivery and receipt system based on image recognition |
| CN111222888A (en) * | 2020-01-15 | 2020-06-02 | 深圳耀宇信息技术有限公司 | Biological mixed feature payment method applied to intelligent POS machine |
| CN116258489A (en) * | 2022-12-19 | 2023-06-13 | 深圳市中磁计算机技术有限公司 | Safe payment method applied to POS machine |
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