CN206505502U - The payment terminal and payment system of a variety of payment accounts can be handled - Google Patents
The payment terminal and payment system of a variety of payment accounts can be handled Download PDFInfo
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- CN206505502U CN206505502U CN201621480228.6U CN201621480228U CN206505502U CN 206505502 U CN206505502 U CN 206505502U CN 201621480228 U CN201621480228 U CN 201621480228U CN 206505502 U CN206505502 U CN 206505502U
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Abstract
The utility model provides a kind of payment terminal and payment system for handling a variety of payment accounts.The payment system of the present utility model for handling a variety of payment accounts（1000）Payment terminal including a variety of payment accounts can be handled（100）With a variety of settlement systems, i.e. medical insurance settlement system（200）, Unionpay's settlement system（300）, other species settlement systems（400）.The payment terminal of a variety of payment accounts can be handled（100）Including means of payment information input unit（101）, payment information input block（102）, channel of disbursement selecting unit（103）, safe unit（104）, communication unit（105）And display unit（106）.
Description
Technical field
The utility model is related to financial payment field, in particular to can handle the payment terminal of a variety of payment accounts with
And payment system.
Background technology
In current financial payment environment, in order that user carries bank card as few as possible, many accounts of card（It is so-called
All-purpose card）It is increasingly becoming a kind of trend.However, due to some special accounts need by independent and specific settlement system come
Complete to pay, therefore, consider from a safety viewpoint, usually required for different settlement accounts by different payment terminals
（For example, POS）On send payment information, thereby result in businessman or enterprise（Unit）Need to lay a variety of special payment terminals.
By in all parts of the country at present all exemplified by the medical insurance all-purpose card promoted successively is serviced, so-called medical insurance all-purpose card is a kind of new
Type social security card, is also a bank card in itself in addition to possessing the function of common medical insurance card, also possesses and blocks same with ordinary bank
The function of sample.However, medical insurance card account is different with the settlement system corresponding to bank card account, and specifically, medical insurance card account
Corresponding to independent medical insurance settlement system, for the real time settlement of medical insurance card account, and bank card account can for example pass through silver
Join settlement system to complete real time settlement.By the special payment terminal of medical insurance card and the special payment terminal of bank card are docked
Settlement network it is different, therefore, need to be swiped the card in different payment terminals for different settlement accounts in clearing
Operation, this not only needs to lay two kinds of special payment terminals at clearing, in addition it is also necessary to carry out multiple swiping card.
In order to solve the above-mentioned technical problem, patent document CN 201010122738.7 proposes a kind of multi-functional many transmission
The POS all-in-ones of mode, it is by central microprocessor, single-chip microcomputer, keyboard, LCD display, flash storage, printer, reading
Card device group, purchase card reader group are constituted.Wherein, the card reader group that central microprocessor is connected by its I/O interface includes Unionpay
PSAM card readers, city card PSAM card reader, city card ISAM card reader, in addition, single-chip microcomputer is connected with by its I/O interface
City card reader, IC-card card reader, magnetic card reader and take-away card reader（Including power purchase card reader, purchase water card reader,
Purchase gas card reader）, in addition, single-chip microcomputer is also connected with the interfaces for external devices such as USB, DB9.The POS all-in-ones pass through integrated many
Individual reader device realizes the reading of a variety of card informations, although this is solved in businessman or enterprise（Unit）Lay a variety of special
Payment terminal the problem of, it can be difficult to extension, and for one block many accounts in the case of, still need consumer or cash register
Member carries out multiple swiping card.
Utility model content
The utility model completes to solve technical problem present in above-mentioned prior art, and its object is to carry
For a kind of payment terminal and payment system for handling a variety of payment accounts, it can avoid businessman or enterprise（Unit）In knot
A variety of special payment terminals are laid at calculation and when one blocks many accounts only by a swiping card/noncontact branch
Pay operation（For example, waving card operation）The clearing of a variety of payment accounts can just be completed.
To achieve these goals, the technical solution adopted in the utility model is as follows.
The utility model provides a kind of payment terminal for handling a variety of payment accounts, and it is single that it includes channel of disbursement selection
Member, the channel of disbursement selecting unit selects corresponding channel of disbursement according to the means of payment information received and based on institute
The channel of disbursement of selection makes the payment terminal be coupled to the settlement system of corresponding species.
Further, the means of payment is also included in the payment terminal of the present utility model for handling a variety of payment accounts to believe
Input block is ceased, the means of payment information input unit is connected to the channel of disbursement selecting unit, the means of payment letter
Cease means of payment information described in input block from external reception and send the means of payment to the channel of disbursement selecting unit
Information.
Further, payment information is also included in the payment terminal of the present utility model for handling a variety of payment accounts defeated
Enter unit, the payment information input block is connected to the channel of disbursement selecting unit, the payment information input block from
External reception payment information simultaneously sends the payment information to the channel of disbursement selecting unit.
Further, safe unit is also included in the payment terminal of the present utility model for handling a variety of payment accounts,
The safe unit is connected to the channel of disbursement selecting unit and the branch to being received from the channel of disbursement selecting unit
Information is paid to be encrypted.
Further, in the payment terminal of the present utility model for handling a variety of payment accounts also include communication unit with
And display unit, wherein, the communication unit is connected to the safe unit and the display unit, and the communication unit will be by
The safe unit be encrypted after payment information on be sent to the settlement system of corresponding species and from the corresponding kind
The settlement system of class receives payment result and sends the payment result to the display unit.
Further, in the payment terminal of the present utility model for handling a variety of payment accounts, the channel of disbursement choosing
Unit is selected for switch block.
Further, in the payment terminal of the present utility model for handling a variety of payment accounts, the means of payment letter
Breath input block and the payment information input block are integrally formed at the payment terminal.
Further, in the payment terminal of the present utility model for handling a variety of payment accounts, the means of payment letter
Breath input block and the payment information input block are separately formed in the payment terminal.
The utility model provides a kind of payment system for handling a variety of payment accounts, and it includes：A variety of settlement systems；
And the payment terminal of the present utility model for handling a variety of payment accounts.
Relative to prior art, the beneficial effects of the utility model are：Pass through the channel of disbursement set in payment devices
Selecting unit is according to means of payment information, payment information and the other information provided（Such as the qualification information of trade company）Come to paying
Information judged and route processing, so as to by the payment information or different cards of the different payment accounts of same card not
With the settlement system that corresponding species is sent on the payment information of payment account, thereby, it is possible to share the feelings of payment devices completely
Two or more independent and closing transaction flow is formed under shape, is considerably reduced and is purchased special equipment or set up corresponding
Card-reading apparatus and the cost overhead caused；A variety of are rationally route by the channel of disbursement selecting unit set in payment devices
Pay a bill the payment information at family, so as to only need to carry out swiping card/contactless payment operation（For example, waving card operation）With regard to energy
The clearing of a variety of payment accounts are enough realized, thus, contribute to the popularization of many accounts of a card.
Brief description of the drawings
Fig. 1 is the payment system for handling a variety of payment accounts provided according to an embodiment of the present utility model
1000 example block diagram.
Embodiment
An embodiment of the present utility model is elaborated below in conjunction with accompanying drawing, each element, part, mould in figure
The diagram of block, device and apparatus body is only illustrate schematicallyd in the presence of these elements, part, module, device and apparatus body simultaneously
Also the relativeness between them is shown, so as to contribute to those skilled in the art thoroughly to understand of the present utility model implemented
Journey, but not to limit their concrete shape, structure.
In the present embodiment, illustrate that this practicality is new by taking medical insurance account and bank account and the medical insurance all-purpose card deposited as an example
The payment terminal and payment system that handle a variety of payment accounts of type.
Fig. 1 is the payment system for handling a variety of payment accounts provided according to an embodiment of the present utility model
1000 example block diagram.
As shown in figure 1, the payment system 1000 that can handle a variety of payment accounts includes that the branch of a variety of payment accounts can be handled
Pay terminal 100 and a variety of settlement systems, i.e. medical insurance settlement system 200, Unionpay's settlement system 300, other species settlement systems
400。
The payment terminal 100 that a variety of payment accounts can be handled is defeated including means of payment information input unit 101, payment information
Enter unit 102, channel of disbursement selecting unit 103, safe unit 104, communication unit 105 and display unit 106.In addition, to the greatest extent
Pipe is not shown, and above-mentioned payment terminal 100 also includes card information acquiring unit.
Card information acquiring unit is used to carry out swiping card/contactless payment operation in payment terminal 100（For example, waving
Card operation）When obtain card accounts information.Specifically, because the card in present embodiment is medical insurance account and Unionpay's account and is deposited
Medical insurance all-purpose card, therefore, when patient or hospital clearing personnel swiping card/contactless payment is carried out in payment terminal 100
Operation（For example, waving card operation）When, the diagnosis and therapy system of card information acquiring unit in payment terminal 100 from hospital（It is not shown）Obtain
Take the medical information of the medical insurance account of the medical insurance all-purpose card, such as patient's name, identification card number, write out a prescription, total cost, detection
Treat Item Detail, expense detail etc..
Means of payment information input unit 101 is connected to the channel of disbursement selecting unit 103 that will be described later, the branch
Pay mode information input unit 101 and from external reception means of payment information and send the branch to channel of disbursement selecting unit 103
Pay mode information.Specifically, the medical insurance account for obtaining the medical insurance all-purpose card from the diagnosis and therapy system of hospital in payment terminal 100 is examined
After treatment information, the background server being connected with the diagnosis and therapy system（It is not shown）It will be calculated and belonged to according to the medical information
The expense of medical insurance account expenditure and personal expense at one's own expense simultaneously return it to payment terminal 100 so that user confirms that these wait to pay
Expense.After user's confirmation is errorless, user inputs means of payment information in means of payment information input unit 101.The branch
It is, for example, first to pay mode information【Pay at one's own expense】Afterwards【Medical insurance is paid】Either first【Medical insurance is paid】Afterwards【Pay at one's own expense】.It has received
The means of payment information input unit 101 of the means of payment information sends this information to channel of disbursement selecting unit 103.
In one embodiment, means of payment information input unit 101 can be realized by physical keyboard, for example, pressing
Some specific keys in the lower physical keyboard are represented will be according to elder generation【Pay at one's own expense】Afterwards【Medical insurance is paid】Order paid,
Pressing that another specific keys in the physical keyboard represent will be according to elder generation【Medical insurance is paid】Afterwards【Pay at one's own expense】Order propped up
Pay.However, the implementation not limited to this of means of payment information input unit 101, in other embodiments, means of payment letter
Ceasing input block 101 can also be realized by the handwriting pad with stylus, or, can also be by being arranged at payment terminal
100 some or some buttons being predefined is realized, etc..
Channel of disbursement selecting unit 103 according to the means of payment information received from means of payment information input unit 101 come
Corresponding channel of disbursement is selected, and, payment terminal 100 is coupled to medical insurance settlement system based on selected channel of disbursement
200th, the settlement system of the corresponding species in Unionpay's settlement system 300 etc..Specifically, it is assumed that patient is believed by the above-mentioned means of payment
Breath input block 101 have input elder generation【Medical insurance is paid】Afterwards【Pay at one's own expense】The means of payment, then receive the means of payment letter
The channel of disbursement selecting unit 103 of breath first selects medical insurance channel of disbursement and makes payment terminal based on selected medical insurance channel of disbursement
100 are coupled to medical insurance settlement system 200 to start the medical insurance means of payment, after medical insurance settlement system 200 completes clearing, pay
Channel Selection unit 103 selects channel of disbursement at one's own expense and is coupled to payment terminal 100 based on selected channel of disbursement at one's own expense
Unionpay's settlement system 300 is to start the means of payment at one's own expense.
In one embodiment, channel of disbursement selecting unit 103 can be realized by switch block, but channel of disbursement
The implementation not limited to this of selecting unit 103, as long as payment terminal coupling can be made according to the means of payment information received
It is connected in the settlement system of corresponding species to start the part of counterpart expenditure mode, can serve as the channel of disbursement selecting unit
103 play a role.
Payment information input block 102 is connected to channel of disbursement selecting unit 103, the payment information input block 102
The payment information is sent from external reception payment information and to channel of disbursement selecting unit 103.The payment information include but
It is not limited to password, password of bank account of medical insurance account etc..Specifically, as described above, it is assumed that patient passes through above-mentioned branch
Pay mode information input unit 101 and have input elder generation【Medical insurance is paid】Afterwards【Pay at one's own expense】The means of payment, then by payment canal
Road selecting unit 103 medical insurance channel of disbursement have selected according to the means of payment as described above with start the medical insurance means of payment it
Afterwards, payment terminal 100 prompting patient input medical insurance account password, in response to this, payment information of the patient in payment terminal 100
In input block 102 input medical insurance account password, by channel of disbursement selecting unit 103 as described above according to the payer
Formula have selected at one's own expense that channel of disbursement is with after starting the means of payment at one's own expense, in the bank account balances foot corresponding to medical insurance all-purpose card
Break even in the case of time payment, payment terminal 100 points out patient's password for inputting bank account again, in response to this, patient is in branch
The password that bank account is inputted in the payment information input block 102 of terminal 100 is paid, conversely, corresponding to medical insurance all-purpose card
In the case of bank account balances not enough this payment, the prompting patient of payment terminal 100 is sticked into using cash or other banks
Row is paid.
In one embodiment, payment information input block 102 can be realized by physical keyboard.However, disbursement letter
The implementation not limited to this of input block 102 is ceased, in other embodiments, the payment information input block 102 can also lead to
Cross the handwriting pad with stylus to realize, etc..
It should be noted that above-mentioned means of payment information input unit 101 and above-mentioned payment information input block 102 can be with
Payment terminal 100 is integrally formed at, can also be separately formed in payment terminal 100.
Safe unit 104 is connected to channel of disbursement selecting unit 103 and the branch to being received from channel of disbursement selecting unit 103
Information is paid to be encrypted.Specifically, patient by payment information input block 102 have input medical insurance account password it
Afterwards, channel of disbursement selecting unit 103 transmits the password of the medical insurance account received from payment information input block 102 to safety
Unit 104 simultaneously triggers safe unit 104 it is encrypted, and in response to this, safe unit 104 uses the first encryption equipment
Make and the password of the medical insurance account is encrypted, similarly, bank's account have input by payment information input block 102 in patient
After the password at family, channel of disbursement selecting unit 103 is again by the close of the bank account received from payment information input block 102
Code is transmitted to safe unit 104 and triggers safe unit 104 it is encrypted, and in response to this, safe unit 104 is used
The password of the medical insurance account is encrypted second of encryption mechanism.When encryption each time is completed, safe unit 104 will
Payment information after encryption is transmitted to the processing unit of next stage.
It should be noted that the first above-mentioned encryption mechanism and above-mentioned second of encryption mechanism can be that a set of identical adds
Close mechanism or two sets of different encryption mechanisms.Further, it should be noted that the encryption equipment that ciphering unit 104 is used
That makes is in a unlimited number in this, can also use according to actual needs and cover different encryption mechanisms more.
Communication unit 105 is connected to safe unit 104 and the display unit 106 that will be described later, the communication unit
105 will be sent to the settlement system of corresponding species and from corresponding on the payment information after being encrypted by safe unit 104
The settlement system of species receives payment result and sends the payment result to display unit 106.Specifically, it is single in above-mentioned safety
After member 104 is completed to the encryption of the password of medical insurance account, above-mentioned safe unit 104 is close by the medical insurance account after encryption
Code is transmitted to communication unit 105, and then, communication unit 105 will deliver to medical insurance settlement system 200, medical insurance settlement system 200 thereon
Medical insurance bill payment result can be back to communication unit 105 after clearing are completed, receive the medical insurance bill payment knot
The communication unit 105 of fruit sends it to display unit 106 to show the payment result to patient and hospital clearing personnel, similar
Ground, after above-mentioned safe unit 104 completes the encryption to the password of bank account, above-mentioned safe unit 104 will be encrypted
The password of bank account afterwards is transmitted to communication unit 105, and then, communication unit 105 will deliver to Unionpay's settlement system thereon
300, bank account payment result can be back to communication unit 105 by Unionpay's settlement system 300 after clearing are completed, and receive
The communication unit 105 of the bank account payment result sends it to display unit 106 to settle accounts personnel to patient and hospital
Show the payment result.
It should be noted that the communication modes between communication unit 105 and the settlement system of various species can be wired
Communication modes or wireless communication mode.
Display unit 106 is connected to communication unit 105, and the clearing system by corresponding species is being received from communication unit 105
It is shown after the payment result returned of uniting.In addition, display unit 106 can also be shown obtains single by card information
Member obtain card accounts information, for point out user input means of payment information prompt message, for point out user input branch
Pay prompt message of information etc..
Display unit 106 can be that any kind of dynamic display screen of visual interface can be shown to user, and can
To use any kind of light emitting diode（LED）, organic LED（OLED）, cathode-ray tube（CRT）, liquid crystal display
（LCD）, plasma, electroluminescent（EL）, electrowetting, MEMS or other Display Techniques realize.
Although relating generally to medical insurance settlement system 200 and silver in the example for the medical insurance all-purpose card that present embodiment is enumerated
Join the settlement system of the two species of settlement system 300, still, artisan will appreciate that, this practicality is new
The payment terminal and payment system that handle a variety of payment accounts of type are not the knot for being only applicable to the two above-mentioned species
Calculation system, but can be applicable to the settlement system of other multiple species.For example, in other embodiments, shown in Fig. 1
Other species settlement systems 400 can also with medical insurance settlement system 200, Unionpay's settlement system 300 similarly with payment terminal 100
Interact includes medical insurance account trading flow, bank account transaction flow, other species to be formed in payment system 1000
The transaction flow of multiple closings including account trading flow realizes that the different payment accounts of same card or different cards are different
The clearing of payment account.
According to the payment terminal and payment system of the present utility model for handling a variety of payment accounts, with prior art phase
Than, by the channel of disbursement selecting unit that is set in payment devices according to the means of payment information provided, payment information and
Other information（Such as the qualification information of trade company）To be judged payment information and route processing, so as to by same card not
With the clearing system that corresponding species is sent on the payment information of payment account or the payment information of the different payment accounts of different cards
System, thereby, it is possible to form two or more independent and closing transaction flow in the case of payment devices are shared completely, greatly
Amplitude reduction purchases special equipment or the cost overhead set up corresponding card-reading apparatus and caused.
According to the payment terminal and payment system of the present utility model for handling a variety of payment accounts, with prior art phase
Than, the payment information of a variety of payment accounts is rationally route by the channel of disbursement selecting unit set in payment devices, so that
Only need to carry out a swiping card/contactless payment operation（For example, waving card operation）It can be realized as a variety of payment accounts
Clearing, thus, contribute to the popularization of many accounts of a card.
Technical scope of the present utility model is not limited solely to the content of the implementation described above, art technology
Personnel can carry out various modifications on the premise of without departing from technological thought of the present utility model and spirit to above-mentioned embodiment
And modification, and these deformations and modification should be fallen into the range of the utility model.
Claims (9)
1. a kind of payment terminal for handling a variety of payment accounts, it is characterised in that it includes：
Channel of disbursement selecting unit, the channel of disbursement selecting unit is selected accordingly according to the means of payment information received
Channel of disbursement and the payment terminal is set to be coupled to the settlement system of corresponding species based on selected channel of disbursement.
2. the payment terminal according to claim 1 for handling a variety of payment accounts, it is characterised in that it also includes：
Means of payment information input unit, the means of payment information input unit is connected to the channel of disbursement selecting unit,
The means of payment information input unit is sent out from means of payment information described in external reception and to the channel of disbursement selecting unit
Send the means of payment information.
3. the payment terminal according to claim 1 for handling a variety of payment accounts, it is characterised in that it also includes：
Payment information input block, the payment information input block is connected to the channel of disbursement selecting unit, the payment
Information input unit from external reception payment information and sends the payment information to the channel of disbursement selecting unit.
4. the payment terminal according to claim 3 for handling a variety of payment accounts, it is characterised in that it also includes：
Safe unit, the safe unit is connected to the channel of disbursement selecting unit and to from the channel of disbursement selecting unit
The payment information received is encrypted.
5. the payment terminal according to claim 4 for handling a variety of payment accounts, it is characterised in that it also includes：It is logical
Unit and display unit are interrogated,
Wherein, the communication unit is connected to the safe unit and the display unit, and the communication unit will be by the peace
The settlement system and the knot from the corresponding species of corresponding species are sent on payment information after unit is encrypted entirely
Calculation system receives payment result and sends the payment result to the display unit.
6. the payment terminal according to claim 1 or 2 for handling a variety of payment accounts, it is characterised in that
The channel of disbursement selecting unit is switch block.
7. the payment terminal for handling a variety of payment accounts according to any one of claims 1 to 3, its feature exists
In,
The means of payment information input unit and the payment information input block are integrally formed at the payment terminal.
8. the payment terminal for handling a variety of payment accounts according to any one of claims 1 to 3, its feature exists
In,
The means of payment information input unit and the payment information input block are separately formed in the payment terminal.
9. a kind of payment system for handling a variety of payment accounts, it is characterised in that including：
A variety of settlement systems；And
Payment terminal according to any one of claim 1 to 8.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201621480228.6U CN206505502U (en) | 2016-12-30 | 2016-12-30 | The payment terminal and payment system of a variety of payment accounts can be handled |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201621480228.6U CN206505502U (en) | 2016-12-30 | 2016-12-30 | The payment terminal and payment system of a variety of payment accounts can be handled |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN206505502U true CN206505502U (en) | 2017-09-19 |
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ID=59839735
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| Application Number | Title | Priority Date | Filing Date |
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| CN201621480228.6U Active CN206505502U (en) | 2016-12-30 | 2016-12-30 | The payment terminal and payment system of a variety of payment accounts can be handled |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107748987A (en) * | 2017-10-31 | 2018-03-02 | 深圳瑞柏科技有限公司 | Method of payment, device and the payment system of bank POS machine compatibility social security card |
| CN111710111A (en) * | 2019-03-18 | 2020-09-25 | 东芝泰格有限公司 | Checkout system and passage system |
-
2016
- 2016-12-30 CN CN201621480228.6U patent/CN206505502U/en active Active
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107748987A (en) * | 2017-10-31 | 2018-03-02 | 深圳瑞柏科技有限公司 | Method of payment, device and the payment system of bank POS machine compatibility social security card |
| CN111710111A (en) * | 2019-03-18 | 2020-09-25 | 东芝泰格有限公司 | Checkout system and passage system |
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