RU115094U1 - MOBILE PAYMENT TERMINAL - Google Patents

Abstract

A mobile payment terminal containing a housing with a system unit, a monitor, a touch panel, a receipt printer, a bill validator, a device that supplies power to the system unit, and a GPRS modem connecting the self-service terminal with the payment processing center, while the system unit is connected to the touch panel, monitor, bill validator, GPRS modem and a power supply for a receipt printer, characterized in that a power supply unit with an uninterruptible power supply function is adopted as a device supplying power to the system unit, which has a connector for connecting power from a 12-36 V network and a connector with an adapter for connecting power from a 110-220 V network, while the motherboard of the system unit is connected to the power supply unit and to the hard disk of the system unit, in addition, the device is additionally inserted into the mobile payment terminal and connected to the power supply unit and the motherboard of the system unit for working with plastic bank cards, Wi-Fi modem, ADSL a modem, a network card for connecting to a local network, a coin acceptor, a token acceptor and a fiscal registrar, which is connected to a receipt printer.

Description

The utility model relates to payment systems for various services: insurance, household services, payment of fines, utility bills, mobile and wire communications, Internet, etc.

Known electronic cash register machine (RF patent for utility model No. 78593, IPC G07 G1 / 12, priority July 17, 2008). The electronic cash register contains a processor configured to connect to an information network. The processor is connected to the cashier's monitor, customer display, fiscal registrar, magnetic plastic card reader and programmable keyboard. To the processor through the transaction processing server through the information network is connected the program block for crediting funds. It includes subunits of administration, data entry, data storage and data provision. The magnetic plastic card reader is configured to work in recording mode.

The disadvantages of this electronic cash register machine are:

- the need for a serving cashier (operator) and an operator issuing magnetic plastic cards to their owners (administrator);

- use of the device with placement in a stationary outlet;

- power supply only from a network of 220 volts;

- the ability to receive a small number of types of payments.

The well-known "Payment system intended for use in the entrances of multi-apartment buildings" (RF patent for utility model No. 95871, IPC G06F 17/00, priority November 20, 2009), containing a payment terminal made on the basis of an anti-vandal housing inside : a monitor based on a touch-resistant vandal-proof screen, an uninterruptible power supply device, a device for wireless or wired communication, moreover, a payment terminal is installed and secured in the entrance of a residential building, and the terminal’s power supply is connected via electricity etchik to the switchboard. In addition, the following devices are integrated into the payment terminal: a device for working with plastic bank cards, a barcode scanner, a fiscal registrar, a computer, a bill acceptor, and a receipt printer.

The disadvantages of this device are:

- use of a payment system with placement and fastening in a stationary point (residential building);

- power supply only from a network of 220 volts;

- large dimensions and weight;

- the ability to receive a small number of types of payments.

Also known is the “Mobile terminal payment acceptance system” (RF patent for utility model No. 85012, IPC G06F 17/00, priority March 30, 2009), which is a commercial metering device for a payment acceptance center containing information on the current value of one or another services and payment processing center. The system is designed as a self-service payment terminal, the case of which is rigidly fixed in the passenger compartment of a public vehicle, and includes a bill acceptor for receiving banknotes, a touch monitor and a receipt printer equipped with a power supply unit, a GPRS modem that connects the self-service terminal to a payment processing center, a system unit, and a watchdog timer and device in the form of an inverter that converts a constant voltage of 24 volts from the vehicle’s battery into an alternating voltage of 220 volts with 800 watts for further supply to the system unit for continuous continuous operation of the self-service payment terminal. At the same time, the system unit is connected to a touch monitor, bill acceptor, GPRS modem, and to the power supply unit of a receipt printer.

This technical solution for its functional purpose and for its technical nature is the closest to the claimed one and is taken as a prototype.

In a known technical solution, a mobile terminal payment acceptance system is stationary for a particular unit of transport, an inverter is required for its operation to convert the voltage of 12 volts to 220 volts, while this mobile system has a large weight and dimensions and requires rigid mounting in a public transport cabin. In addition, the indicated mobile terminal system allows receiving a small number of types of payments and accepting limited types of funds.

The task to which the claimed utility model is directed is to develop a portable mobile payment terminal that is independent of external power sources, does not require fastening and has low weight and small dimensions, while allowing various types of payments to be made from various types of cash (coins, banknotes , tokens, bank cards) in various conditions (indoors and out).

The problem is solved in that in a mobile payment terminal containing a housing with a system unit, a monitor, a touch panel, a receipt printer, a bill acceptor, a device supplying power to the system unit, and a GPRS modem connecting the self-service terminal to the payment processing center In this case, the system unit is connected to the touch panel, monitor, bill acceptor, GPRS modem and to the power supply unit of the receipt printer, as a device supplying power to the system unit, a power supply unit with an uninterruptible power supply having a connector for connecting power from a 12-36 volt network and a connector with an adapter for connecting power from a 110-220 volt network, while the motherboard of the system unit is connected to the power supply and to the hard drive of the system unit, in addition, a device for working with plastic bank cards, a Wi-Fi modem, an ADSL modem, a network card for connecting to a local network, a coin acceptor, are additionally introduced and connected to the mobile payment terminal and connected to the power supply and the system board motherboard a receiver and a fiscal registrar that is connected to a receipt printer. All components of the mobile payment terminal receive voltage from the power supply, and information is controlled and exchanged through the motherboard of the system unit.

In the claimed mobile payment terminal, the common essential features for him and for his prototype are:

- housing;

- system unit;

- a device that supplies power to the system unit;

- monitor;

- Touchpad;

- receipt printer;

- bill acceptor;

- GPRS modem connecting the self-service terminal with the payment processing center.

A comparative analysis of the claimed mobile payment terminal and prototype shows that the first, in contrast to the prototype, has the following significant features:

- a power supply with the function of an uninterruptible power supply, having a connector for connecting power from a network of 12-36 volts and a connector with an adapter for connecting power from a network of 110-220 volts;

- the motherboard of the system unit is connected to the power supply and to the hard drive of the system unit;

- additionally introduced and connected to the power supply and to the system board motherboard: a device for working with plastic bank cards, a Wi-Fi modem, an ADSL modem, a network card for connecting to a local network, a coin acceptor, a coin acceptor and a fiscal registrar that is connected to a check a printer.

The presence of an adaptive uninterruptible power supply allows the device to operate in the absence of external power sources, and also makes it possible to connect to various power sources, thereby ensuring the operation of a mobile payment terminal in any conditions of its placement: indoors, outdoors and in transport. In the event of a power failure from external sources, the power supply automatically turns on, which does not interfere with the full-fledged operation of the device without the intervention of specialists (except for cases of failure of components).

The presence of a token acceptor, a coin acceptor and a device for working with plastic cards allows payments from various types of funds. The fiscal registrar allows the user to receive a fiscal receipt. The introduction of Wi-Fi and ADSL modems into the payment terminal, in addition to the GPRS modem, allows providing the device with data transmission channels depending on operating conditions. The presence of a network card allows you to include a payment terminal in the local network.

Based on the foregoing, we can conclude that according to this set of essential features, it became possible to solve the problem.

Therefore, the utility model is new and suitable for industrial use.

The essence of the utility model is illustrated by drawings, where in Fig.1 shows a side view of a mobile payment terminal with a removed side wall; figure 2 is a block diagram of a mobile payment terminal.

The mobile payment terminal comprises a housing 1 with a handle 2 for carrying it (Fig. 1). Housing 1 contains: a touch panel 3 (12 "surface-capacitive, 3 mm), monitor 4 (Sharp \ Toshiba 12" 1000 × 768), a system unit that includes a motherboard 5 (3G-D256 Processor: Intel® N410 1.8Ghz , Memory: 1024Mb DDRII DIMM 6xUSB, VGA, LAN, 6 × RSS232 / RS422 / RS485 1 × IDE, 2 × SATA, 1 × CF), adaptive power supply 6 (Input 12-36V, Output 12v, 5v, 60W + function UPS, equipped with rechargeable batteries), GPRS modem 7 (Simens), receipt printer 8 (Epson M-T51 \ 53), bill acceptor 9 (Cash Code SM-2607, 600 kup., Horizontal), and hard disk 10 (160 Gb SATA 2.5 ") of the system unit. In this case, the first output of the adaptive power supply unit 6 is connected to the input of the monitor 4, the second output One with a touch panel 3, a third output with a system unit motherboard 5, the output of which is connected to the input of the hard drive 10, a fourth output of the power supply unit 6 is connected to a bill acceptor 9, the output of which is connected to the motherboard 5, the second input of the system unit hard drive 10 is connected with the motherboard 5 of the system unit (figure 2). The power supply unit 6 contains a connector 11 for connecting power from a 12-36 volt network and a connector 12 with an adapter for connecting power from a 110-220 volt network. In addition, case 1 additionally contains a Wi-Fi modem 13 and ADSL modem 14 (for creating data transfer channels), a network card 15 for connecting to a local network, a fiscal registrar 16 (SPARK - 115), a device 17 for working with plastic bank cards , coin acceptor 18 and coin acceptor 19. At the same time, the inputs of the Wi-Fi modem 13, ADSL modem 14, network card 15, bank card reader 17, coin acceptor 18 and coin acceptor 19 are connected to the power supply unit 6, and their outputs to the system board motherboard 5 . The input of the fiscal registrar 16 is connected to the power supply unit 6, and the output to the receipt printer 8. Accessories can be replaced with similar ones.

The use of a modern element base and its compact placement in a portable case made it possible to carry out this device with small dimensions and light weight and convenient for carrying. In addition, the use of a built-in transformer-free power supply reduces the heating of the device, reduces the requirements for its cooling and ventilation system, allows you to use the device’s casing with maximum filling and close proximity of components, which in general also gives an overall reduction in the weight and size of the terminal.

Mobile payment terminal operates as follows.

Power is supplied to the power supply unit 6. Depending on the operating conditions of the mobile payment terminal, the power supply unit 6 operates as an uninterrupted source, either from a 220 volt network or from a 12 volt network. If this is an AC network (110-220 volts), then the voltage is supplied through connector 12 with an adapter to the power unit 6 of the payment terminal. If it is a direct current network (voltage 12-36 volts), then the voltage is supplied to the power supply unit 6 through the connector 11. The power supply unit 6 gives a command to the motherboard 5 of the system unit and the payment terminal is turned on with the launch of pre-installed software (operating system, drivers payment processing program). The software installed on the hard disk 10 of the system unit displays on the monitor 4 in the form of graphic icons a list of suppliers and services (if the device is used to make various payments) or one icon if the device is used to make one type of payment. The payer clicks on the touch panel 3 on the provider or service icon he needs (the icon displayed on the monitor under the touch panel). The software translates the click signal on the selected area into the service provider selection command. The software proceeds to the next "page" of user interaction and displays on the monitor 4 fields for a set of payment details. The user, by clicking on the touch panel 3, collects details identifying his payment. For example: telephone number, personal account number, resolution (protocol) number, sub-account number, address of residence or registration, etc. The software installed on the payment terminal starts recording the entered details in the payment package stored on the hard drive 10. Through one of the devices installed on the payment terminal and selected by the payer to deposit the means of payment, cash acceptor 9 for cash, coin acceptor 18 for coins or token acceptor 19 for tokens, the payer pays the necessary amount, including the commission for making a payment (the size of the commission is displayed on monitor 4). When you select a bank card as a means of payment, the payer inserts it into the device 17 for working with plastic bank cards and dials on the touch panel 3 the necessary amount to make the payment (which will be debited from the payer's account). One of the money receiving devices selected by the user (9, 17, 18, or 19) verifies the money deposited for authenticity, denomination, and amount with the built-in technical means, transfers the information to the software, and then displays the information on the monitor 4. Then the icon is displayed on the monitor 4 "PAY" or identical in meaning. The user clicks on this image on the touch panel 3 and at this stage the completion of the payment process by the user occurs. Check printer 8 receives a command from the software and gives the user a check (fiscal or non-fiscal), in confirmation of the payment made by the user, which displays all the details entered during the payment, identifier of the payment details, amount, commission, amount to be credited as well as other details, Mandatory for checks in accordance with the legislation in force in the Russian Federation. Further, the software installed on the mobile terminal, when making the payment procedure, forms the so-called “payment package” - which is a set of all data (recipient details, payer details, amounts, dates, etc.) characterizing the individuality of the payment made. This package is written to a special software buffer stored on the hard disk. The "payment package" generated by the software is transmitted to the payment processing server via GPRS modem 7, or Wi-Fi modem 13, or ADSL modem 14, or via a network card 15 to a local network, as a result of which physical transfer of funds by cashless transfer to beneficiary's account at the payer's details.

The Mobile Payment Terminal device works with such payment systems as OSMP, CYBERPLAT, DeltaPay PinPay, banks and others. It is also possible to equip the mobile payment terminal with narrowly specialized software (banking software, software from government agencies, private companies, custom-made). This allows you to very significantly expand the range of suppliers of services and goods (both private and public) in whose favor it will be possible to make payments to a very significant range.

Due to the developed block diagram of a payment terminal on an accessible elemental base, this technical solution has more potential applications, while the device itself has significantly less weight and size. Due to its small size and low weight, the device can be used in a wide area of economic relations. As examples of the use of the device in "field conditions": equipping patrol cars of traffic police officers, collection of receivables by communal services employees when visiting debtors, payment of cable television and Internet services at home, etc. The adaptive power supply system allows you to work both independently and from stationary AC networks with voltage from 110 to 220 volts, and with the ability to connect to DC power networks with voltage of 12-36 volts (cars, small boats, passenger coaches and long-distance buses , other).

Claims (1)

A mobile payment terminal containing a housing with a system unit, a monitor, a touch panel, a receipt printer, a bill acceptor, a device supplying power to the system unit, and a GPRS modem connecting the self-service terminal to the payment processing center, while the system unit is connected to the touch panel, monitor, bill acceptor, GPRS modem and with a power supply unit for a receipt printer, characterized in that as a device supplying power to the system unit, a power unit with a source function full power supply having a connector for connecting power from a 12-36 V network and a connector with an adapter for connecting power from a 110-220 V network, while the system unit motherboard is connected to the power supply and to the system unit’s hard drive, in addition to a mobile a payment terminal is additionally inserted and connected to a power supply unit and to the system board motherboard; a device for working with plastic bank cards, a Wi-Fi modem, an ADSL modem, a network card for connecting to a local network, a coin acceptor, a coin acceptor and a fiscal one egistrator which is connected to the receipt printer.