CN2503532Y

CN2503532Y - Bank card electronic payment terminal machine for supporting multiple insertion type

Info

Publication number: CN2503532Y
Application number: CN 01247489
Authority: CN
Inventors: 何长杰; 甘国工
Original assignee: Individual
Current assignee: Individual
Priority date: 2001-09-03
Filing date: 2001-09-03
Publication date: 2002-07-31
Anticipated expiration: 2011-09-03

Abstract

The utility model relates to a bank card payment terminal supporting multiple accessing modes. A microprocessor (A) is connected with a storing device (L) and an encryption/decryption device (H) through main board bus wires into a master control board, three bus wires of the master control board are connected with a digital gathering device (B), an IC card reader (C), a display (D), a printer (E), an instruction keyboard (F) and an encryption keyboard (G) through an I/O interface, a master control board programmable I/O series communication interface is provided with a computer network jack (O), a wired modem jack (M) and a wireless receiving/communicator jack (N). The utility model has economical and rational configuration cost, has high reliability, and is convenient and flexible to operate.

Description

Support the bank card electronic payment terminal machine of multiple access form

Technical field:

The utility model belongs to the Electronic Finance technical field.Particularly relate to a kind of bank card electronic payment terminal that can be connected by various ways such as wireline communication network, cordless communication network, computer network and issuing bank's paying server.

Technical background:

Bank card electronic payment terminal machine abbreviates POS machine (Point of sale tarminal) as.Be be to adapt to electronic money---the bank card market accepting terminal facility that the widespread use of bank card and other forms of Payment Card develops rapidly.When the holder consumes in market, only need on the POS machine, to stamp the card, key in the consumption amount of money and personal status's identification code (PIN), the POS machine is just by the program of setting, issuing bank sends payment request message from trend, this payment request message passes to issuing bank's paying server by communication network, paying server is according to Payment Request, on the cardholder account, reduce the amount of money of consuming and this response message returned the machine to POS, thereby substitute money is finished consumption and payment.

Existing P OS machine all is to connect mutually with the paying server of issuing bank by the administrative region of a city public phone network basically.Be after the payout figure message of POS machine transfers device to be modulated into simulating signal by modulation, pass to the bank paying server by the local telephone network public network with the cable network form again, bank paying server demodulation verification aftertreatment is paid, and this response message is pressed contrary process passback POS machine.This single mode of connection has following deficiency:

1, because the use peak period of the POS of businessman terminal just, the telex network peak period of administrative region of a city public phone network, it is not smooth to cause communication line to link, and often makes the wait of consumer's long period; The phenomenon of " bag " appears going offline, falling in administrative region of a city public phone network regular meeting simultaneously, and transmission error rates is higher, and dispute takes place normal and consumer, and the consumer is reluctant with card consumption.

2, general shop several POS machines only, if for guaranteeing that communication quality adopts DDN, X.25 waits number to pass special line to link, the operating cost of then communicating by letter is too high, the shop is difficult for accepting.

3, present domestic IT industry high speed development, the mode of digital information transmission day by day increases, and existing P OS machine can only connect use by the modulation modem with Local Network and issuing bank by the RS-232 agreement, has limited the laying and the range of application of POS machine greatly.

The content of utility model:

The purpose of this utility model is: overcome above-mentioned deficiency, make the POS facility that the ability of supporting that multiple network inserts be arranged.Promptly keeping on the basis of POS function by the wired public phone network network in urban district and bank's binding, realizing that the POS machine can pass through the purpose that wireless-transmission network and computing machine transmission network mode and bank paying server link.Thereby the laying and the range of application of POS machine have been enlarged.

The purpose of this utility model is achieved in that

Microprocessor of the present utility model (A) is by main board bus and memory storage (L), enciphering/deciphering device (H) connects to master control borad, master control borad three buses are connected with magnetic card digital acquisition device (B), IC-card reader (C), display (D), printer (E), instruction keyboard (F), code keypad (G) by the I/O interface, master control borad programmable I/O serial communication interface disposes computer network socket (O), wire line MODEM socket (M) and wireless receipts/sender socket (N).

The utility model socket (M) is RS-232, and socket (N) is SCSI or IDE, and socket (O) is RJ-45, and above-mentioned socket has only one to insert related device or be inserted with wire line MODEM (I) simultaneously and two kinds of devices of wireless receipts/sender (J).

Wireless receipts/sender that the utility model socket (N) links is the micro radio communication terminal module that places in the POS machine, and when wireless-transmission network was GSM or cdma wireless digital transmission network, its receipts/sender is also corresponding to be GSM or cdma communication terminal.

The utility model wire line MODEM (I) and wireless receipts/sender (J) are standalone module formula structure, use soft arranging wire (a) to be connected with master control borad I/O serial communication physical interface.

Because the software of described POS machine is Uinx or (SuSE) Linux OS, and is provided with options menu, can determine the progress of work of application program by running program.Behind application layer software write storage device L such as TOP/IP, RS-232 host-host protocol, IS08583 data message agreement, at this moment the bank card numerical characteristic of being gathered as magnetic card digital acquisition device B or IC-card read-write equipment C, the consumption amount in figures and the digital ciphertext of personal status's recognition sign indicating number (PIN) of key entry enter CPU by main board bus and are generated as digital frame and carry out MAC cryptographic check computing by the IS08583 message format.When if the running program of POS machine is set to transmit by ICP/IP protocol by options menu, aforementioned messages is generated corresponding TCP/IP packet and forms up Payment Request, link or receive/post a letter position (J) and link by being arranged on micro radio in the POS machine by 10base-T interface and computer network, up Payment Request is reached the bank paying server with wireless-transmission network through the IDE socket; When if the running program of POS machine is set to by the RS-232 agreement by options menu, computing formed up Payment Request through the MAC code encryption after the aforementioned messages that enters CPU generated corresponding IS08583 data packet messages form, warp and the modulator-demodular unit that RS-232 interface links enter city's public words wired network and bank card paying server and link.The bank paying server is paid through front end processor demodulation, deciphering, verification aftertreatment, and with the contrary process passback POS machine of this response message by aforementioned several transmission forms.Thereby realized that described POS facility have the ability of supporting multiple access form.(need to prove here: facility that is attached to cable network, wireless network and working procedure that issuing bank's end need have do not belong to the utility model scope that instructions is addressed).

Advantage of the present utility model and actual effect:

1, POS machine described in the utility model can connect with the bank paying server mutually with plurality of access modes.Described POS machine adapts to the computer network of constantly development, the access conditions of wireless-transmission network, and the POS machine no longer just has single pass through the city is public and talks about wired binding form like this, and becomes the diversification binding.Laying condition to the POS machine provides the multiple choices mode, and is significant to promoting the use of of POS machine.

2, in POS machine described in the utility model, wireless receipts/transmitting device (J), wired modulation-demodulation device (I) is the merge module structure.According to access conditions and user's requirement the POS machine is set and communicates by letter behind the working procedure, can be from the RS-232C of the programmable I/O serial communication interface of POS machine, SCSI physics socket, a kind of or golden portion that removes in aforementioned two kinds of merge modules removes.Be that aforementioned two kinds of merge modules can carry out following combining and configuring flexibly according to network insertion condition and user's requirement.

(embedding) wired modulation-demodulation device (I) and wireless receipts/transmitting device (J) are set in the a.POS machine simultaneously.One of them is as running gear, and another is as backup device.For example: when POS machine and wireless network link as the day-to-day operation form, when linking for backup form with local network, by the option setup menu, CPU generates the IP packet in the POS machine, is connected through wireless receipts/transmitting device (J) and bank paying server.When enabling backup device by dialing and local network connection, by the options menu setting, CPU generates IS08583 data packet messages form in the POS, at this moment source signal becomes simulating signal by modulation-demodulation device (I) and goes into the local telephone network wired network through the RS-232 socket, is connected with the bank paying server.

(embedding) wireless receipts/sender device (J) and wire line MODEM (I) are not set in the b.POS machine, and the IP packet source signal that CPU is generated in the POS machine directly connects by IOBASE-T interface and computer network (LAN, MAN, WAN).

Wireless receipts/transmitting device (J) or wire line MODEM (I) only are set among the c.POS, connect mutually with wireless network or cable network by the corresponding option menu setting.

Make POS facility described in the utility model that best reliability and dirigibility are arranged like this, can reach the deployment cost of POS machine economical rationality simultaneously again.

3, because wireless receipts/transmitting device (J) is the flush bonding module structure, thereby can select GSM, CDMA etc. can carry out IP transmission, wireless network terminal receipts/the sender of different systems, different frequency is made micromodule, and POS function and corresponding wireless network are connected.Only need change communication module during the upgrading of wireless-transmission network, the POS machine is not influenced by it.Very economic convenience.

Description of drawings:

The POS machine functional-block diagram of figure one, the multiple access form of support.

Figure two, micro radio receipts/sender device J and modem apparatus I module and master control borad link the interface synoptic diagram.

Embodiment:

Embodiment 1:

The POS machine links by local telephone network cable network and bank paying server.

At first by instruction keyboard F, the POS machine is set to the wired network communication program.When the consumer held consumption and payment, the first step was to swipe the card, and magnetic card was brushed or IC-card is inserted the bank card numerical information of collection in the IC-card read-write equipment (H) in magnetic card digital acquisition device (B) groove rapidly.Second step was that the operator goes up the key entry consumption amount of money at instruction keyboard (F), and its amount of money shows on liquid crystal indicator D.The 3rd step was that the consumer goes up key entry bank card PIN (Personal Identification Number) (PIN) and gives affirmation at code keypad (G).The 4th step was undertaken by POS machine system operation Automatic Program, whole numerical informations with magnetic card or IC-card, payment, the ciphertext that forms behind holder's individual identification code encryption adds together and enters CPU by main board bus, CPU is according to aforementioned program setting, press the IS08583 agreement and generate corresponding digital packet voice form, (H) carry out MAC verification computing and cryptographic calculation through encryption device (chip) again, form up payment request message, enter modulator-demodular unit (I) through the RS-232C serial line interface, modulator-demodular unit (I) is modulated to digital Payment Request the simulating signal of wire transmission, automatically dial by wired Local Network and to be communicated with issuing bank's paying server, the paying server front end processor is with the simulating signal demodulation, deciphering, carry out the MAC verification, after up payment request message verification was errorless, paying server was reduced Payment Request and is sent descending response message on consumer's account number.The 6th step, response message by with the passback of the process of up contrary, the POS machine is received and is confirmed that payment transaction finishes after the response message of Payment Request.Printing the papery voucher simultaneously hands over the consumer to retain.

When using the cable network access conditions, can remove the micro radio receipts/sender module that is inserted among the POS in advance, reduce the deployment cost of POS machine.

Embodiment 2:

The POS machine links by computer network and bank paying server.

By instruction keyboard device (F), the POS machine is set to computer network and links program, the ciphertext that PCU forms after will the whole numerical information+payments+individual identification code encryption by magnetic card or IC-card in the POS machine, press IS08583 and generate digital frame, generate the corresponding digital bag by ICP/IP protocol again, again after MAC verification computing as the up Payment Request message transfer of POS machine, directly enter computer network (LAN, MAN, WAN) by the 10base-T interface, reach credit card issuer.After the front end processor deciphering of credit card issuer paying server, verification, protocol conversion, enter paying server.Paying server is handled payment and is sent response message, and response message is passed to the POS machine through the contrary process, prints the papery evidence for payment and finishes payment transaction.

When using a computer the network insertion condition, can remove the micro radio receipts/sender (J) and modem apparatus (I) module that are inserted among the POS in advance, reduce the deployment cost of POS machine.

Embodiment 3:

The POS machine links by wireless communication networks and bank paying server.

Wireless digital networks comprises: based on private radio digital transport network, GSM or the cdma wireless digital communication network of IP host-host protocol.IP packet uplink message by the CPU generation, after entering the wireless receipts/transmitting device (J) that is embedded in the POS machine by the SCSI socket, be modulated to the identical radiofrequency signal of making again and reach issuing bank's bank correspondence terminal with transmission network, enter paying server after front end processor demodulation by paying server, (despreading), deciphering, the verification, after paying server is handled the processing of paying, response message returns the machine to POS through the contrary process, through deciphering, verification and print the papery evidence for payment and finish payment transaction.

When using the wireless communication networks access conditions, can remove the modem apparatus I that is inserted among the POS in advance, reduce the deployment cost of POS machine.

Because the POS facility have merge module formula wire line MODEM device I and micro radio receipts/transmitting device (J).Only the actual conditions that need possess according to laying POS machine scene on POS machine program setup menu is provided with, and just can interrelate by cable network, wireless network, computer network and issuing bank's paying server, carries out bank card and accepts business.

Claims

1, a kind of bank card payment terminal machine of supporting multiple access form, it is characterized in that microprocessor (A) is by main board bus and memory storage (L), enciphering/deciphering device (H) connects to master control borad, master control borad three buses are by I/O interface and magnetic card digital acquisition device (B), IC-card read write line (C), display (D), printer (E), instruction keyboard (F), code keypad (G) connect, master control borad programmable I/O serial communication interface disposes computer network socket (O), modulator-demodular unit socket (M) and wireless receipts/sender socket (N).

2, terminating machine according to claim 1, it is characterized in that socket (M) is RS-232, socket (N) is SCSI or IDE, socket (O) is RJ-45, and above-mentioned three sockets have only one to insert related device or be inserted with line modem (I) simultaneously and two kinds of devices of wireless receipts/sender (J).

3, terminating machine according to claim 1, it is characterized in that wireless receipts/sender that socket (N) links is the micro radio communication terminal module that places in the POS machine, when wireless-transmission network was GSM or cdma wireless digital transmission network, its receipts/sender is also corresponding to be GSM or cdma communication terminal.

4, terminating machine according to claim 1 is characterized in that wire line MODEM (I) and wireless receipts/sender (J) are standalone module formula structure, uses soft arranging wire (a) to be connected with master control borad I/O serial communication physical interface.