CN210721719U

CN210721719U - Financial payment terminal with high safe reliability

Info

Publication number: CN210721719U
Application number: CN201922420648.5U
Authority: CN
Inventors: 蔡新亚
Original assignee: Wuxi Zhuoto Network Technology Co Ltd
Current assignee: Wuxi Zhuoto Network Technology Co Ltd
Priority date: 2019-12-29
Filing date: 2019-12-29
Publication date: 2020-06-09
Anticipated expiration: 2029-12-29

Abstract

The utility model belongs to the technical field of payment equipment, especially, be a financial payment terminal with high fail safe nature, including the financial payment terminal who is used for financial security payment and be used for responding financial payment terminal payment demand's financial settlement server and be used for responding financial payment terminal remote alarm's public security safety server, financial payment terminal adopts the APN private network to connect wireless transmission network. The utility model discloses can implement real time monitoring to financial payment terminal transaction area, remind timely user and non-timely user (treating financial transaction user) to keep safe transaction interval, can in time carry out on-the-spot warning and long-range public security platform warning when the terminal receives forced disassembly under the not allowed condition, prevent that the illegal information thief from stealing the bank card number, the password, sensitive data information such as encryption key, effectively avoid the loss of property of individual or bank, realize the financial payment transaction of high safety and reliability.

Description

Financial payment terminal with high safe reliability

Technical Field

The utility model relates to a payment equipment technical field specifically is a financial payment terminal with high fail safe nature.

Background

The financial electronic payment equipment is an important component of financial electronization, and mainly comprises an ATM (automatic Teller machine), a POS (point of sale) machine and a self-service terminal (KIOSK) which mainly comprises a self-service information inquiry machine, a self-service payment machine, a self-service bankbook check-in machine and the like. The ATM and the KIOSK are mainly distributed in a comprehensive bank business outlet and an off-line self-service bank outlet, and the distribution main body is mainly each commercial bank in China; according to different application fields, the POS machine can be divided into a financial POS machine, a telephone E-POS machine and the like, the financial POS machine is mainly distributed in a shopping mall and a supermarket which mainly take retail as main points, the telephone E-POS machine is mainly distributed in individual merchants, enterprises and families with frequent purchasing and selling, and the distribution main body of the POS machine is provided with China Union Payment besides China banks.

Although the existing financial payment terminal can meet certain requirements of financial payment, the use safety and reliability in the financial transaction process are insufficient, the problem of leakage of account passwords is easy to occur, the anti-dismantling performance is poor, on-site alarm and remote public security platform alarm cannot be timely carried out when the terminal is forcibly dismantled under the condition that the terminal is not allowed, and potential safety hazards exist in the internal information safety of the terminal.

SUMMERY OF THE UTILITY MODEL

Technical problem to be solved

The utility model provides a not enough to prior art, the utility model provides a finance payment terminal with high fail safe nature, solved current finance payment terminal and can satisfy the certain requirement of finance payment, nevertheless there is not enough in the safety in utilization and the reliability of financial transaction in-process, the problem of easily taking place the account number password and revealing, and prevent tearing open the performance relatively poor, can not in time carry out on-the-spot warning and long-range public security platform warning when the terminal receives forced-dismantling under the not admitted condition, there is the problem of hidden danger in the terminal internal information security.

(II) technical scheme

In order to achieve the above object, the utility model provides a following technical scheme: the financial payment terminal comprises a financial payment terminal for financial security payment, a financial settlement server for responding to the payment requirement of the financial payment terminal and a public security server for responding to the remote alarm of the financial payment terminal, wherein the financial payment terminal adopts an APN private network to be connected with a wireless transmission network and is respectively connected with the financial settlement server and the public security server through a GGSN gateway and a router, the financial payment terminal comprises a security control unit, a touch screen, a payment module, a tamper switch, an identity recognition unit, an on-site monitoring camera, an ultrasonic sensor, a storage module, an alarm module and a communication module, and the security control unit is respectively connected with the touch screen, the payment module, the tamper switch, the identity recognition unit, the on-site monitoring camera, the ultrasonic sensor, the storage module, The alarm module is connected with the communication module, the touch screen is used for inputting information, the safety control unit is used for encrypting the information input by the touch screen, the payment module is controlled by the safety control unit to carry out safety payment, the anti-disassembly switch is used for the anti-disassembly detection of the machine box of the financial payment terminal, the identity recognition unit is used for identifying the identity of a detacher, the field monitoring camera is used for collecting video information in a field area, the ultrasonic sensor is used for detecting the distance between timely users and non-timely users in the use area of the financial payment terminal, the storage module is used for storing video acquisition information, user operation information and alarm information, the alarm module is used for giving an alarm when the financial payment terminal is not allowed and the distance between timely users and non-timely users in a use area is greater than a preset distance, and the communication module is used for wireless communication.

As an optimized technical scheme of the utility model, safety control unit adopts at least one in 51 singlechip, ARM treater, the DSP processing chip.

As an optimized technical scheme of the utility model, the payment module includes card reader module and key module, and the card reader module reads bank card information, and key module is arranged in saving the secret key in the financial transaction.

As an optimal technical scheme of the utility model, prevent tearing open the one end ground connection of switch, prevent tearing open the other end of switch and MCU's IO interface connection constitution return circuit, send alarm command to the safety control unit when financial payment terminal's machine box is opened under the condition that the identification unit discernment passes through not, trigger the on-the-spot warning through safety control unit control alarm module.

As an optimal technical scheme of the utility model, the identification unit adopts one or more combination identification mode among fingerprint identification, iris discernment, face identification, the ID card discernment.

(III) advantageous effects

Compared with the prior art, the utility model provides a finance payment terminal with high fail safe nature possesses following beneficial effect:

the financial payment terminal with high safety and reliability can implement real-time monitoring on a financial payment terminal transaction area, remind timely users and non-timely users (users waiting for financial transaction) to keep a safe transaction interval, timely perform field alarm and remote public security platform alarm when the terminal is forcibly dismantled under the condition that the terminal is not allowed, prevent an illegal information thief from stealing sensitive data information such as bank card numbers, passwords, encryption keys and the like, effectively avoid personal or bank property loss, and realize financial payment transaction with high safety and reliability.

Drawings

Fig. 1 is a network architecture diagram of the present invention;

fig. 2 is a schematic block diagram of the system of the present invention.

In the figure: 100. a financial payment terminal; 101. a safety control unit; 102. a touch screen; 103. a payment module; 104. a tamper switch; 105. an identity recognition unit; 106. a field surveillance camera; 107. an ultrasonic sensor; 108. a storage module; 109. an alarm module; 110. a communication module; 200. a financial settlement server; 300. a public security server.

Detailed Description

The technical solutions in the embodiments of the present invention will be described clearly and completely with reference to the accompanying drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only some embodiments of the present invention, not all embodiments. Based on the embodiments in the present invention, all other embodiments obtained by a person skilled in the art without creative work belong to the protection scope of the present invention.

Examples

Referring to fig. 1-2, the present invention provides the following technical solutions: a financial payment terminal with high safety and reliability comprises a financial payment terminal 100 for financial security payment, a financial settlement server 200 for responding to the payment requirement of the financial payment terminal 100 and a public security server 300 for responding to the remote alarm of the financial payment terminal 100, wherein the financial payment terminal 100 is connected with a wireless transmission network by adopting an APN special network and is respectively connected with the financial settlement server 200 and the public security server 300 through a GGSN gateway and a router, the financial payment terminal 100 comprises a security control unit 101, a touch screen 102, a payment module 103, an anti-disassembly switch 104, an identity recognition unit 105, an on-site monitoring camera 106, an ultrasonic sensor 107, a storage module 108, an alarm module 109 and a communication module 110, the security control unit 101 is respectively connected with the touch screen 102, the payment module 103, the anti-disassembly switch 104, the identity recognition unit 105, The field monitoring camera 106, the ultrasonic sensor 107, the storage module 108, the alarm module 109 and the communication module 110 are connected, the touch screen 102 is used for inputting information, the safety control unit 101 is used for encrypting the information input by the touch screen 102, the payment module 103 is controlled by the safety control unit 101 to carry out safety payment, the anti-disassembly switch 104 is used for anti-disassembly detection of a case of the financial payment terminal 100, the identification unit 105 is used for identification of a disassembler, the field monitoring camera 106 is used for collecting video information in a field area, the ultrasonic sensor 107 is used for detecting the distance between a timely user and a non-timely user in a use area of the financial payment terminal 100, wherein the timely user represents a user who is carrying out financial transaction, the non-timely user represents users around the user who is carrying out financial transaction and users who are queued behind the user (users who are waiting for financial transaction), the storage module 108 is configured to store video capture information, user operation information, and alarm information, the alarm module 109 is configured to alarm when the financial payment terminal 100 is not allowed and a distance between a timely user and a non-timely user in a use area is greater than a preset distance, the alarm module 109 employs a buzzer, the communication module 110 is configured to perform wireless communication, and the communication module 110 is preferably a GPRS communication module.

Specifically, the safety control unit 101 employs at least one of a 51-chip microcomputer, an ARM processor, and a DSP processing chip.

In this embodiment, at least one of the 51 single chip microcomputer, the ARM processor, and the DSP processing chip is used to encrypt information input through the touch screen 102, control the payment module 103 to perform secure payment, and control the alarm module 109 to trigger alarm.

Specifically, the payment module 103 includes a card reader module and a key module, the card reader module reads information of the bank card, and the key module is used for storing a key in the financial transaction.

Concretely, the one end ground connection of preventing tearing open switch 104, the other end of preventing tearing open switch 104 constitutes the return circuit with MCU's IO interface connection, and when financial payment terminal 100's machine box opened under the condition that passes through without the identification of identification cell 105 discernment to safety control unit 101 send alarm command, trigger the on-the-spot warning through safety control unit 101 control alarm module 109, the utility model discloses what well key module adopted is payment algorithm among the prior art commonly used.

In this embodiment, the tamper switch 104 is connected to a defense area in the terminal box during use, and when the terminal box is opened without being identified by the identity identifying unit 105, the switch is sprung open to disconnect the loop, and the security control unit 101 immediately receives the box tamper information and controls the alarm module 109 to alarm.

Specifically, the identification unit 105 adopts one or more of fingerprint identification, iris identification, face identification, and identification card identification.

In this embodiment, the identity of the detacher is authenticated by using one or more combined identity recognition modes of fingerprint recognition, iris recognition, face recognition and identification card recognition, and the financial payment terminal 100 can be detached without triggering an alarm only when the authentication is passed, so that the use safety of the financial payment terminal 100 is improved, and an illegal information thief is prevented from stealing the user information.

The utility model discloses a theory of operation and use flow: when the system is used, a user can touch and input information through the touch screen 102, financial transaction information is input through the payment module 103, identity identification authentication is carried out on user information, financial transactions are carried out after the authentication is passed, the security control unit 101 receives the authentication information of the user and carries out wireless communication through the communication module 110, the APN private network is adopted to be connected with a wireless transmission network, the information is transmitted to the financial settlement server 200 through the GGSN gateway and the router, the financial payment transaction is completed by the financial settlement server 200, in the financial transaction process, the video information of a field transaction area is monitored in real time through the field monitoring camera 106, meanwhile, the distance between a timely user and a non-timely user in a use area of the financial payment terminal 100 is detected through the ultrasonic sensor 107, and when the distance value between the timely user and the non-timely user is smaller than the distance value preset by the security control unit 101, the security control unit 101 controls the alarm module 109 to alarm (voice prompt) and remind the user of moving backward to keep the distance, before the detacher detaches the box of the financial payment terminal 100, the identity authentication is performed by the identity identification unit 105, that is, the detacher is authenticated by one or more of the fingerprint identification, iris identification, face identification and ID card identification, only when the authentication is passed, the financial payment terminal 100 can be detached without triggering the alarm, when the box is opened by the unauthorized or unauthorized operator, the switch of the anti-detachment switch 104 is flicked to disconnect the loop, the security control unit 101 immediately receives the box forcible detachment information and controls the alarm module 109 to alarm, and the APN dedicated line access mode is adopted, the dedicated line is directly accessed to the public security server 300, the public security server 300 responds in time and sends a remote alarm to the public security platform, so that the use safety and reliability of the financial payment terminal 100 are improved, and an illegal information thief is effectively prevented from stealing sensitive data information such as bank card numbers, passwords, encryption keys and the like.

Finally, it should be noted that: although the present invention has been described in detail with reference to the foregoing embodiments, it will be apparent to those skilled in the art that modifications may be made to the embodiments described in the foregoing embodiments, or equivalents may be substituted for elements thereof. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A financial payment terminal with high security reliability, comprising a financial payment terminal (100) for financial security payment and a financial settlement server (200) for responding to payment requirements of the financial payment terminal (100) and a public security server (300) for responding to remote alarms of the financial payment terminal (100), characterized in that: the financial payment terminal (100) is connected with a wireless transmission network by adopting an APN private network and is respectively connected with a financial settlement server (200) and a public security server (300) through a GGSN gateway and a router, wherein the financial payment terminal (100) comprises a security control unit (101), a touch screen (102), a payment module (103), an anti-dismantling switch (104), an identity recognition unit (105), an on-site monitoring camera (106), an ultrasonic sensor (107), a storage module (108), an alarm module (109) and a communication module (110), the security control unit (101) is respectively connected with the touch screen (102), the payment module (103), the anti-dismantling switch (104), the identity recognition unit (105), the on-site monitoring camera (106), the ultrasonic sensor (107), the storage module (108), the alarm module (109) and the communication module (110), the system comprises a touch screen (102), a safety control unit (101), an identity recognition unit (105), a field monitoring camera (106), an ultrasonic sensor (107), a storage module (108), an alarm module (109), a display module and a display module, wherein the touch screen (102) is used for inputting information, the safety control unit (101) is used for encrypting information input through the touch screen (102), the payment module (103) is used for controlling safety payment through the safety control unit (101), the anti-dismantling switch (104) is used for preventing dismantling and detecting a machine box of a financial payment terminal (100), the identity recognition unit (105) is used for identifying the identity of a dismantling person, the field monitoring camera (106) is used for collecting video information in a field area, the ultrasonic sensor (107) is used for detecting the distance between a timely user and a non-timely user in the use area of the financial payment terminal (100), the storage module (108) is used for storing the video collection information, user operation information and alarm information, and the, the communication module (110) is used for wireless communication.

2. A financial payment terminal with high security and reliability according to claim 1, wherein: the safety control unit (101) adopts at least one of a 51 single chip microcomputer, an ARM processor and a DSP processing chip.

3. A financial payment terminal with high security and reliability according to claim 1, wherein: the payment module (103) comprises a card reader module and a key module, the card reader module reads bank card information, and the key module is used for storing keys in financial transactions.

4. A financial payment terminal with high security and reliability according to claim 1, wherein: one end of the anti-disassembly switch (104) is grounded, the other end of the anti-disassembly switch (104) is connected with an IO (input/output) interface of the MCU to form a loop, when a machine box of the financial payment terminal (100) is opened without being identified by the identity identification unit (105), an alarm instruction is sent to the safety control unit (101), and the safety control unit (101) controls the alarm module (109) to trigger on-site alarm.

5. A financial payment terminal with high security and reliability according to claim 1, wherein: the identity recognition unit (105) adopts one or more combined identity recognition modes of fingerprint recognition, iris recognition, face recognition and identity card recognition.