RU175018U1 - Payment terminal - Google Patents

Abstract

The payment terminal refers to devices used in retail, in particular, at the cash terminals of self-service stores. The payment terminal consists of a building (1) with a processor unit (2) installed in it, which, in turn, is connected to the seller’s display (3) combined with the cashier’s touch keyboard (not shown), a printing device (4), equipped with a cash register cutter knife (not shown) and a fiscal registrar (5). Connectors for connecting additional modules (6) are installed on the housing (1). A barcode scanner (7) and a cashless payment acceptance module (8) are connected to the connectors for connecting additional modules (6). The non-cash payment acceptance module (8) includes a customer display (9), a customer keyboard (10), a magnetic card reader (11). In the payment terminal for interacting with the local network, Internet services and mobile devices, wireless WiFi and BlueTooth modules are installed. An autonomous power supply (12) is installed in the housing (1). The technical problem of the proposed utility model is the creation of a payment terminal with wide functionality, as well as the expansion of the arsenal of means for similar purposes. The technical result of the proposed utility model is the implementation of a technical problem, as well as a reduction in time client service. 6 ill.

Description

The proposed payment terminal relates to devices used in retail, in particular at the cash terminals of self-service stores.

A self-service store cash register terminal is known, comprising a cash box with a product placement area and a barcode scanner and a cash register with a display installed in the cash box, connected to a processor designed to calculate the balance of funds, generate a confirmation signal for payment of goods to clear the barcode on the product, and return commands a bank card, issuing a check and issuing a check, as well as a video camera installed in the cash box and a bank card reader, a bill acceptor, and media connected to the processor The issuance of change.

 [RU 103648, G07G1 / 12, publ. 04/20/2011]

The disadvantages of the device are large dimensions, as a result of which the device is characterized by low mobility and inconvenience of use.

Known electronic cash register machine, which contains a cashier monitor, a customer display, a fiscal registrar, configured to work in recording mode, an electronic account reader, programmable keyboard and biometric scanner, and may also contain a node for inputting customer information. They are connected to a processor, to which, through an information network, a program unit is connected via a transaction processing server, which is configured to control the crediting and withdrawal of funds. The latter includes subunits and administration of data entry, data storage, data provision, identification of customer biometric data, respectively, and may also preferably include an ATM subunit. The electronic bill reader can be made with the possibility of contact, contactless or combined interaction with electronic storage media, mainly in the form of electronic plastic cards (smart cards). The biometric scanner may be configured to optically scan the client’s finger pillows, palms or retina

RU 86776, G07G1 / 12, publ. 10.09. 2009]

The disadvantages of the device are large dimensions, as a result of which the device is characterized by low mobility and inconvenience of use. In addition, the cash register has limited functionality, which is associated with servicing the buyer only in the context of receiving cash from him or withdrawing money from the electronic account of the buyer; all subunits of the cash register are made in various buildings, occupying a large area of the workplace; The cash register does not have a QR scanner or barcodes. The closest analogue in technical essence is the design of the Viki Mini cash desk manufactured by Dreamcas, consisting of a customer display, a receipt printer, a processor board, and an external device connection board.

[https://dreamkas.ru/avtomatizacij-magazina/viki-mini-egais/]

The disadvantages of the design of the payment terminal include the impossibility of accepting non-cash payments by bank cards and using wireless payment technologies.

The technical problem of the proposed utility model is to expand the functionality, namely the provision of non-cash payment.

The technical result of the proposed utility model is the ability to accept cashless payments (contactless payments, contact payments, integration with mobile payment systems).

The indicated result is achieved by the fact that in the payment terminal, comprising a housing with a seller’s display, a customer’s display, a fiscal registrar, a printing device and a magnetic card reader, according to the claimed utility model, the payment terminal is equipped with a cashless payment receiving module and a customer’s keyboard.

The presence in the payment terminal of a non-cash payment acceptance module and a customer keyboard ensures non-cash payments, allows you to accept payments using all types of bank cards, including contactless, magnetic and cards with an integrated chip, provides the ability to use modern mobile payment systems: the user can pay for goods using only your smartphone, that is, in the end provides an extension of functionality.

The payment terminal is illustrated by drawings, where in FIG. 1 shows a payment terminal, a general view; FIG. 2 is a view from the side of the customer, in FIG. is a side view, in FIG. 4 is a plan view of FIG. 5 is a bottom view, in FIG. 6 is a block diagram.

The payment terminal consists of a housing 1 with a processor unit 2 installed in it, connected, in turn, with a seller’s display 3, combined with a cashier’s touch keyboard (not shown), a checker 4, equipped with a cash register cutter knife (shown) and a fiscal registrar 5. Connectors for connecting additional modules are installed on housing 1. Barcode scanner 7 and a module for receiving non-cash payments are connected to the connectors for connecting additional modules 6. The module for receiving non-cash payments 8 includes I customer display 9, keyboard 10 of the buyer, a magnetic card reader 11. The payment terminal to communicate with a LAN, Internet services, and mobile devices installed WiFi and BlueTooth wireless modules. In case 1, an autonomous power supply 12 is installed.

The payment terminal works as follows: using the cashier’s touch keyboard or using the barcode scanner 7, the cashier enters the goods selected by the buyer from the store’s warehouse into the shopping basket. Using the customer’s display 9, the terminal demonstrates the recommended products to the customer, depending on the ones he has already selected on the basis of analytical data on the consumption of such groups of goods. When the buyer confirms the intention to buy, the cashier presses the "Pay" button using the cashier’s touch keyboard on the seller’s display 3. In the dialog that appears, the cashier selects the payment method (contactless / contact bank card, cash, mobile payment systems). Further, depending on the payment method chosen, the buyer makes a payment using the cashless payment acceptance module 8 or in cash at the seller’s cash desk. In case of successful payment, the printing device 4 generates and prints a check, which is issued to the customer. All checks, purchases and payments are stored in the payment terminal and on the cloud server for further processing, analysis and financial reporting. Wide analytical tools allow you to evaluate the performance of the outlet, track information about which products are in greatest demand. Synchronization with the warehouse allows you to track stock balances and deliver goods on time not only to the store, but also to the central warehouse of the enterprise. Using a cloud service allows you to manage your business in real time: control cash flows, manage goods (matrix, categories, movement, balances), check staff work, track work with suppliers and customers, analyze business results and make the right management decisions.

Thanks to cloud technologies, the user receives all the new features of the service and always meets the new requirements of the law without involving a paid technical specialist.

The presence of connectors for connecting additional modules 6 extends the functionality of the payment terminal:

- the promotional display allows you to notify the buyer of promotions, discounts and recommend products to him based on his personal purchase history;

- the PDF417 reader module allows you to work with modern excise stamps and quickly connect to the EGAIS system for sale in the liquor store in accordance with legal requirements. This module is also able to scan QR codes, which is convenient for reading price tags and labeling on goods, significantly accelerating the routine operations in retail;

- the module of work with contactless NFC (Near Field Comunication) discount cards allows the store to simplify work with such a marketing tool as loyalty cards (discounts), accumulative point systems, through the use of an all-in-one terminal, there is no need to create a loyalty card system with zero for your store, just install the plug-in module and configure the system for working with loyalty cards in your personal account.

Using autonomous power and optimizing the energy consumption of the thermal printer through the use of a proprietary thermal printer controller allows you to increase the battery life of the payment terminal, which increases the reliability of financial transactions.

The use of self-developed nodes: a module for receiving non-cash payments (contactless payments, contact payments and integration with mobile payment systems) and a barcode scanner increase the functionality of using a payment terminal. There is the possibility of accepting non-cash payments, integration with the Internet, the use of mobile technologies and mobile payments, as well as the ability to scan 1D and 2D barcodes.

The flexible architecture of the terminal allows you to expand the functionality of the payment terminal by the user, without changing the design, which is achieved using interchangeable interchangeable modules, so we have the ability to add additional functions, such as a promotional display to show the buyer promotional materials, a cashless payment acceptance module for work with bank cards and mobile payment systems (Apple Pay, PayPass), a PDF417 reader for working with excise stamps of alcoholic beverages and QR- codes for reading price tags and marking goods, a module for working with proximity NFC (Near Field Comunication) discount cards without changing the architecture.

Using the touch interface of the cashier’s own design, the increased screen size, ergonomic arrangement of the design elements of the payment terminal (tilt angles of control surfaces, cavities for bank cards) help reduce customer service time.

Due to the optimal layout and application of a modern small-sized elemental base, the payment terminal is small in size while maintaining functionality: the maximum linear size is 220 mm, weight is not more than 1 kg, which allows you to use the terminal in the cramped conditions of the cashier’s workplace, as well as save the area of the outlet.

Claims (1)

A payment terminal comprising a case with a seller’s display, a customer’s display, a fiscal registrar, a receipt printer and a magnetic card reader installed in it, characterized in that it is equipped with a cashless payment receiving module and a customer keyboard.

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