WO2016206535A1 - 一种物联网多功能移动pos机及智能支付系统 - Google Patents

一种物联网多功能移动pos机及智能支付系统 Download PDF

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Publication number
WO2016206535A1
WO2016206535A1 PCT/CN2016/085047 CN2016085047W WO2016206535A1 WO 2016206535 A1 WO2016206535 A1 WO 2016206535A1 CN 2016085047 W CN2016085047 W CN 2016085047W WO 2016206535 A1 WO2016206535 A1 WO 2016206535A1
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Prior art keywords
module
information
main control
control module
communication module
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PCT/CN2016/085047
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English (en)
French (fr)
Inventor
李艳荣
向柄宇
林志明
王俊杰
吕烜
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深圳国微技术有限公司
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Publication of WO2016206535A1 publication Critical patent/WO2016206535A1/zh

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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers

Definitions

  • the invention belongs to the field of electronic payment, and particularly relates to an internet of things multifunctional mobile POS machine and an intelligent payment system.
  • Mobile POS Point of Sale, sales terminal
  • RF-SIM card terminal reader that connects to the background server through CDMA, GPRS, TCP/IP, etc.
  • the electronic fund automatic transfer can be realized. It has the functions of supporting consumption, pre-authorization, balance inquiry and transfer, and is safe and fast to use. reliable.
  • the existing mobile POS machine communicates with the background server through the wireless local area network to realize the mobile payment function.
  • the mobile POS machine can only be used as a payment tool in the area covered by the wireless local area network, because the coverage of the wireless local area network is relatively small.
  • the location of the mobile POS machine exceeds the coverage of the wireless local area network or the wireless local area network is abnormal, it cannot communicate with the background server, and thus the payment function cannot be realized. It can be seen that the existing mobile POS machine has poor mobility. , anti-LAN network abnormal ability is low.
  • the embodiment of the invention provides an Internet of Things multifunctional mobile POS machine, which aims to solve the problem that the existing mobile POS machine has poor mobility and low anti-network abnormality.
  • the embodiment of the present invention is implemented as an Internet of Things multi-functional mobile POS machine, and the Internet of Things multi-function mobile POS machine includes:
  • the main control module is respectively connected to the LCD display module, the input module, the communication module and the card reading module, and is configured to receive the commodity information, the transaction information and the transaction result sent by the communication module, and send the result to the LCD display module for display; Receiving the commodity selection information and the bank card password sent by the input module, encrypting the bank card password, and transmitting the commodity selection information and the encrypted bank card password to the communication module; receiving the card reading Card card information sent by the module, encrypting the bank card information, and transmitting the encrypted bank card information to the communication module;
  • An LCD display module is connected to the main control module, and configured to receive product information, transaction information, and transaction result sent by the main control module, and display the same;
  • An input module connected to the main control module, for receiving product selection information and a bank card password entered by the user, and sending the same to the main control module;
  • a communication module which is respectively connected to the main control module and the background server, and configured to receive commodity information, transaction information, and transaction result sent by the background server, and send the commodity information, the transaction information, and the transaction result to the main control module.
  • the communication module includes a wireless local area network communication module and a mobile communication module, and when detecting a wireless local area network signal, the main control module communicates with the background server through the wireless local area network communication module; when the wireless local area network signal is not detected The main control module communicates with the background server through the mobile communication module;
  • the card reading module is connected to the main control module for reading card information and transmitting to the main control module.
  • the embodiment of the invention further provides an intelligent payment system, comprising the above-mentioned Internet of Things multi-function mobile POS machine, a background server and a bank back-office system;
  • the Internet of Things multi-function mobile POS machine is configured to receive product information, transaction information, and transaction results sent by the background server, encrypt the bank card information and the password, and send the encrypted bank card information to the Background server;
  • the background server is configured to receive the encrypted bank card information and a password sent by the Internet of Things multifunctional mobile POS machine, and send the encrypted bank card information and a password to the bank backend system; and receive the transaction result sent by the bank backend system Transmitting product information, transaction information, and transaction results to the Internet of Things multi-function mobile POS machine;
  • the bank backend system is configured to receive the encrypted bank card information and a password sent by the background server, generate a transaction result according to the encrypted bank card information and a password, and send the result to the background server.
  • the communication module of the mobile POS device in the embodiment of the present invention may select a corresponding network interface in the communication module to perform wireless AP access network service to communicate with the background server according to the detected network signal, when In the shopping malls, restaurants and other places covered by the wireless local area network, the wireless network communication module selects the wireless network to realize the networking of the POS machine, and can quickly and conveniently communicate with the background server.
  • the mobile communication module is used to connect to the background server, and the same can be realized with the background server.
  • the mobile communication module can still communicate with the background server, thereby improving the mobility of the mobile POS machine and the anti-LAN network. Abnormal ability.
  • FIG. 1 is a schematic structural diagram of an Internet of Things multi-function mobile POS machine according to an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of a card reading module of an Internet of things multi-function mobile POS machine according to an embodiment of the present invention
  • FIG. 3 is a schematic structural diagram of an intelligent payment system according to an embodiment of the present invention.
  • FIG. 4 is a flowchart of implementing an intelligent payment system according to an embodiment of the present invention.
  • the mobile POS machine in the embodiment of the present invention can select a wireless network to realize networking of the POS machine through a wireless local area network communication module in a place covered by the wireless local area network.
  • the mobile communication module is used to connect to the background server, and the communication with the background server can also be realized, so that the location of the POS machine exceeds the wireless local area network.
  • the mobile communication module can still communicate with the background server, which improves the mobility of the mobile POS machine and the ability to resist the abnormality of the LAN network.
  • FIG. 1 shows the structure of an Internet of Things multi-function mobile POS machine in an embodiment of the present invention, and for convenience of explanation, only parts related to the present invention are shown.
  • the Internet of things multi-function mobile POS machine in the embodiment of the present invention comprises a main control module 11, an LCD display module 12, an input module 13, a communication module 14 and a card reading module 15.
  • the main control module 11 is connected to the LCD display module 12, the input module 13, the communication module 14, and the card reading module 15, respectively, for receiving product information, transaction information, and transaction results sent by the communication module 14, and transmitting the same to the LCD display.
  • the module 12 performs display, receives the product information selected by the user and the bank card password sent by the input module 13, encrypts the bank card password by using a secure encryption algorithm, and sends the product selection information and the encrypted bank card password to the communication module 14; Receiving the bank card information sent by the card reading module 15, encrypting the bank card information by using a secure encryption algorithm, and transmitting the encrypted bank card information to the communication module 14.
  • the main control module 11 has a main control CPU chip, and the main control module 11 has a security encryption algorithm, which not only controls the entire transaction process, but also provides various security encryption algorithms to encrypt and decrypt the transaction data. Provides a guarantee for data security for the entire system.
  • the LCD display module 12 can display transaction information such as product information and transaction amount, and can directly provide related transaction information to the user, so that the user can select the product.
  • the LCD display module 12 is connected to the main control module 11 for receiving product information, transaction information, and transaction results sent by the main control module 11, and displaying the same.
  • the input module 13 is connected to the main control module 11 for receiving the product selection information and the bank card password entered by the user and transmitting the same to the main control module 11.
  • the input module 13 in the embodiment of the present invention has a key input keyboard, and can be input by a user for inputting a product to be selected and inputting a bank card password at the time of payment.
  • the input module 13 in the embodiment of the present invention may also adopt a touch input mode for the user to input the item to be selected and input the bank card password at the time of payment.
  • the communication module 14 is connected to the main control module 11 and the background server, and is configured to select a network to connect to the Internet according to the network signal covered in the application scenario, and receive the commodity information, the transaction information, and the transaction result sent by the background server according to the selected network. And transmitting the commodity information, the transaction information, and the transaction result to the main control module 11, and receiving the encrypted bank card password sent by the main control module 11 and transmitting it to the background server.
  • the communication module 14 includes a wireless local area network communication module 141 and a mobile communication module 142.
  • the wireless local area network communication module 141 is used to connect to the wireless local area network within the coverage of the wireless local area network, to connect the POS machine to the background server, and to provide a reliable data transmission path.
  • the wireless local area network communication module 141 in the embodiment of the present invention can communicate to the network through WIFI (WIreless-Fidelity: wireless connection).
  • WIFI WIreless-Fidelity: wireless connection
  • the wireless local area network communication module 141 selects a wireless network to realize networking of the POS machine, and can quickly and conveniently communicate with the background server.
  • the mobile communication module 142 is configured to provide a mobile internet service through a built-in program without a wireless local area network.
  • the Internet of Things multi-function mobile POS machine in the embodiment of the present invention is used in a scene that needs to go out and collect money, such as express delivery, when there is no wireless local area network coverage in these scenes or an abnormality occurs in the wireless local area network, the network service cannot be provided.
  • the mobile communication module 142 is used to connect to the background server, communication with the background server can also be realized, so that when the location of the POS machine exceeds the coverage of the wireless local area network or the wireless local area network is abnormal, the mobile communication module can still be passed. Communicate with the backend server.
  • the mobile communication module 142 provides convenience for outgoing mobile receipt, and the mobile communication module 142 can directly connect to the background server for payment transactions.
  • the mobile communication module 142 is a 4G communication module, and the 4G communication module can provide a 4G Internet service through a built-in program without a wireless local area network.
  • the communication module 14 further includes a Bluetooth communication module.
  • the Bluetooth communication module is used for communication connection with the mobile phone, so that the mobile POS machine completes the payment transaction through the mobile phone, connects with the mobile phone through the Bluetooth communication module, and performs functions such as credit card, transfer, recharge, and inquiry on the mobile phone APP, so that the POS machine can reduce the cost and the Power consumption.
  • the card reading module 15 is connected to the main control module 11 for reading bank card information and transmitting it to the main control module 11.
  • the card reading module 15 can read the bank card information.
  • the communication module 14 of the mobile POS machine in the embodiment of the present invention includes a wireless local area network communication module 141 and a mobile communication module 142.
  • the wireless local area network communication module 141 selects a wireless network to realize networking of the POS machine, and realizes communication with the background server quickly and conveniently.
  • the mobile communication module 142 is used to connect to the background server, and communication with the background server can also be realized, so that the POS machine can be realized.
  • the mobile communication module 142 can still communicate with the background server, thereby improving the mobility of the mobile POS machine and the ability to resist the abnormality of the local area network.
  • the Internet of Things multifunctional mobile POS machine further includes a printer module.
  • the printer module is connected to the main control module 11 for receiving the transaction result sent by the main control module 11 and printing out the result.
  • the transaction result can be printed by the printer module, so that the user can confirm the payment to complete the payment transaction.
  • FIG. 2 shows the structure of a card reading module of the Internet of Things multi-function mobile POS machine in the embodiment of the present invention. For the convenience of description, only parts related to the present invention are shown.
  • the card reading module 15 includes a magnetic stripe card reader 151, an IC card reader 152, and NFC (Near).
  • Field Communication: Near Field Communication Technology) card reader 153 through the card reading module 15, allows the POS machine to read all the information related information of the UnionPay logo card, such as medical insurance card, social security card, city card and bank card, through the main control
  • the module 11 and the communication module 14 can be connected to the background server for payment verification to implement card payment.
  • the customer can pay by direct card payment and inductive card payment.
  • the card can be paid by the magnetic stripe card reader 151 and the IC card reader 152; when the customer performs the sensing At the time of payment, card reading is performed by the NFC card reader 153.
  • the LCD display module 12 is a touch display screen, and the user can select a product through a touch input mode, which is more beneficial to the user experience and provides a more humanized human-computer interaction mode.
  • FIG. 3 shows the structure of an intelligent payment system provided by an embodiment of the present invention. For the convenience of description, only parts related to the present invention are shown.
  • the smart payment system in the embodiment of the present invention includes the Internet of Things multi-function mobile POS machine 21, the back-end server 22, and the bank back-end system 23 described above.
  • the background server 22 in the embodiment of the present invention acts as a data processing center and communicates with the bank backend system 23 to complete the payment transaction.
  • the background server 22 in the embodiment of the present invention sends product information or menu information and the like to the mobile POS machine 21, and the mobile POS machine 21 can select different communication modules to communicate according to the application scenario, and display the product information through the LCD display module 12.
  • the mobile POS machine 21 sends the product information selected by the user to the background server 22 by inputting the product information to be selected, and the background server 22 generates the transaction information according to the product selection information, and then sends the transaction information to the transaction information.
  • the mobile POS machine 21 starts the payment transaction after the user confirms the transaction information.
  • the mobile POS machine 21 in the embodiment of the present invention can not only serve as a payment tool, but also display product information for customers to select, and has various functions.
  • the user may select to brush the magnetic stripe card, or insert the IC card, or select the NFC card to perform payment, and after the mobile POS machine 21 reads the bank card information, the user may move The button in the POS machine 21 or the touch screen screen inputs the bank card password.
  • the secure encryption chip in the mobile POS machine 21 encrypts the bank card information and the password and sends it to the background server 22 through the communication module 14, and the background server 22 encrypts the The bank card information and the password are forwarded to the bank backend system 23 for online transaction.
  • the bank backend system 23 generates the transaction result based on the bank card information and the password, and returns the transaction result to the background server 22, and the background server 22 then delivers the transaction result to the mobile terminal.
  • the smart payment system in the embodiment of the present invention can also be applied to use when going out to collect orders.
  • the mobile POS machine 21 can connect to the background server 22 for payment transactions by using the mobile communication module 142, or connect to the mobile phone or PAD using the Bluetooth communication module.
  • the mobile terminal 21 connects the mobile POS machine 21 to the background server 22 for payment transactions.
  • the bank backend system 23 is connected to the backend server 22, and the backend server 22 is connected to at least one IoT multifunctional mobile POS machine 21.
  • the background server 22 in the embodiment of the present invention can support multiple mobile POS machines 21 to simultaneously connect and conduct transactions, so that multiple mobile POS machines 21 complete product information display, transaction information display, bank card information reading, password input and transaction results. Printing and other functions.
  • the Internet of Things multi-function mobile POS machine 21 can also print out the transaction result to the user.
  • the Internet of Things multi-function mobile POS machine 21 can also be used for communication connection with a mobile phone, and communication with the background server 22 is realized by the mobile phone.
  • the Internet of things multi-function mobile POS machine 21 has a touch display screen, and the user can select a product through a touch input mode, which is more beneficial to the user experience and provides a more humanized human machine. interactive mode.
  • FIG. 4 shows an implementation flow of an intelligent payment system according to an embodiment of the present invention, which is described in detail as follows:
  • the background server sends the product information or menu information to the mobile POS machine
  • the mobile POS machine After receiving the data sent by the background server, the mobile POS machine displays the data to the user through the LCD display module;
  • the POS machine sends the product selection information input by the user to the background server;
  • the background server generates transaction information according to the received item selection information
  • the background server sends the transaction information to the POS machine
  • the POS machine displays the transaction information to the user for confirmation
  • the user After confirming the transaction information displayed by the LCD, the user performs the credit card payment POS machine to read the bank card information through the card reading module and the bank card password input by the user through the input module;
  • the POS machine encrypts the bank card information and the bank card password and sends them to the background server.
  • the background server forwards the encrypted bank card information and password to the bank back-end system for online transaction;
  • the bank back-office system generates the transaction result based on the encrypted bank card information and password to confirm the payment information
  • the bank backend system returns the transaction result to the background server
  • the background server forwards the transaction result to the mobile POS machine
  • the POS machine prints the transaction result and outputs it to the user. The user signs and the payment is completed.
  • a plurality of mobile POS machines 21, back-end servers 22, and bank back-office systems 23 are connected together by using a communication technology such as a local network or the Internet to form an intelligent payment system, and a plurality of mobile POS machines 21 are provided.
  • the utility model can be used at the same time and can be applied to a plurality of different application scenarios.
  • the mobile POS machine 21 can not only serve as a payment tool, but also display product information for customers to select, and can meet the use requirements of outbound payment methods such as express delivery and purchase. Greatly improved the efficiency of payment.
  • the mobile POS machine in the embodiment of the present invention can select a wireless network to realize networking of the POS machine through a wireless local area network communication module in a shopping mall, a restaurant, and the like covered by the wireless local area network.
  • the mobile communication module is used to connect to the background server, and communication with the background server can also be realized, so that when the POS machine is located When the location exceeds the coverage of the wireless local area network or the wireless local area network is abnormal, the mobile communication module can still communicate with the background server, thereby improving the mobility of the mobile POS machine and the ability to resist the abnormality of the local area network.

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Abstract

本发明适用于电子支付领域，提供了一种物联网多功能移动POS机及智能支付系统，所述物联网多功能移动POS机包括：主控制模块、输入模块、LCD显示模块、通信模块以及读卡模块；所述输入模块、LCD显示模块、通信模块、以及读卡模块分别与所述主控制模块连接。本发明的移动POS机的通信模块，可以根据检测到的网络信号，选择通信模块中相应的网络接口进行无线AP接入网络服务与后台服务器进行通信，能够应用于商场、餐厅、外出收单等多种不同的交易场合，提高了移动POS机的可移动性以及抗局域网网络异常的能力。

Description

一种物联网多功能移动POS机及智能支付系统 技术领域
本发明属于电子支付领域，尤其涉及一种物联网多功能移动POS机及智能支付系统。
背景技术
移动 POS机 (Point of Sale，销售终端)是一种RF-SIM卡终端阅读器，通过CDMA、GPRS、TCP/IP等方式与后台服务器连接。将移动POS机安装在银行卡的特约商户和受理网点中与计算机联成网络，就能实现电子资金自动转帐，它具有支持消费、预授权、余额查询和转帐等功能，使用起来安全、快捷、可靠。
现有的移动POS机通过无线局域网与后台服务器进行通信，实现移动支付功能，这种移动POS机只能在无线局域网络覆盖的区域中作为支付工具使用，由于无线局域网络覆盖的范围相对较小，当移动POS机所处的位置超过无线局域网络覆盖的范围或者无线局域网络出现异常时，则无法与后台服务器进行通信，进而无法实现支付功能，可见，现有的移动POS机存在可移动性差，抗局域网网络异常能力低的问题。
 技术问题
本发明实施例提供一种物联网多功能移动POS机，旨在解决现有移动POS机可移动性较差，抗网络异常能力低的问题。
技术解决方案
本发明实施例是这样实现的，一种物联网多功能移动POS机，所述物联网多功能移动POS机包括：
主控制模块，分别与LCD显示模块、输入模块、通信模块以及读卡模块连接，用于接收所述通信模块发送的商品信息、交易信息以及交易结果，并发送至所述LCD显示模块进行显示；接收所述输入模块发送的商品选择信息以及银行卡密码，对所述银行卡密码进行加密，并将所述商品选择信息以及加密后的银行卡密码发送至所述通信模块；接收所述读卡模块发送的银行卡信息，对所述银行卡信息进行加密，并将所述加密后的银行卡信息发送至所述通信模块；
LCD显示模块，与所述主控制模块连接，用于接收所述主控制模块发送的商品信息、交易信息以及交易结果，并进行显示；
输入模块，与所述主控制模块连接，用于接收用户录入的商品选择信息及银行卡密码，并发送至所述主控制模块；
通信模块，分别与所述主控制模块以及后台服务器连接，用于接收后台服务器发送的商品信息、交易信息以及交易结果，并将所述商品信息、交易信息以及交易结果发送至所述主控制模块；接收所述主控制模块发送的所述加密后的银行卡信息以及密码，并发送至所述后台服务器；
所述通信模块包括无线局域网通信模块与移动通信模块，当检测到无线局域网络信号时，所述主控制模块通过所述无线局域网通信模块与后台服务器进行通信；当检测不到无线局域网络信号时，所述主控制模块通过所述移动通信模块与后台服务器进行通信；以及
读卡模块，与所述主控制模块连接，用于读取卡信息，并发送至所述主控制模块。
本发明实施例还提供一种智能支付系统，包括上述的物联网多功能移动POS机、后台服务器以及银行后台系统；
所述物联网多功能移动POS机用于接收所述后台服务器发送的商品信息、交易信息以及交易结果，对银行卡信息以及密码进行加密，并将所述加密后的银行卡信息发送至所述后台服务器；
所述后台服务器用于接收所述物联网多功能移动POS机发送的所述加密后的银行卡信息以及密码，并发送至所述银行后台系统；接收所述银行后台系统发送的所述交易结果，将商品信息、交易信息以及交易结果发送至所述物联网多功能移动POS机；
所述银行后台系统用于接收所述后台服务器发送的所述加密后的银行卡信息以及密码，根据所述加密后的银行卡信息以及密码生成交易结果，并发送至所述后台服务器。
 有益效果
本发明实施例中的移动POS机的通信模块，可以根据检测到的网络信号，选择通信模块中相应网络接口进行无线AP接入网络服务与后台服务器进行通信，当 在无线局域网络覆盖的商场、餐厅等场所中时，通过无线局域网通信模块选择无线网络实现POS机的联网，可以快速便捷的实现与后台服务器进行通信， 当在进行快递收单等需要外出收款的场景中没有无线局域网络覆盖时，或者当无线局域网络出现异常无法提供网络服务时，利用移动通信模块连接至后台服务器，同样可以实现与后台服务器的通信，使得当POS机所处的位置的超过无线局域网络覆盖的范围或者无线局域网络出现异常时，仍然能够通过移动通信模块与后台服务器通信，提高了移动POS机的可移动性以及抗局域网网络异常的能力。
 附图说明
图1是本发明的实施例提供的物联网多功能移动POS机的结构示意图；
图2是本发明的实施例提供的物联网多功能移动POS机的读卡模块的结构示意图；
图3是本发明实施例提供的智能支付系统的结构示意图；
图4是本发明实施例提供的智能支付系统的实现流程图。
 本发明的实施方式
为了使本发明的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本发明进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
本发明实施例中的移动POS机可以在无线局域网络覆盖的场所中，通过无线局域网通信模块选择无线网络实现POS机的联网， 在没有无线局域网络覆盖的区域或者无线局域网络出现异常无法提供网络服务时，利用移动通信模块连接至后台服务器，同样可以实现与后台服务器的通信，使得当POS机所处的位置超过无线局域网络覆盖的范围或者无线局域网络出现异常时，仍然能够通过移动通信模块与后台服务器通信，提高了移动POS机的可移动性以及抗局域网网络异常的能力。
图1示出了本发明实施例中物联网多功能移动POS机的结构，为了便于说明，仅示出与本发明相关的部分。
本发明实施例中的物联网多功能移动POS机包括主控制模块11，LCD显示模块12，输入模块13、通信模块14和读卡模块15。
主控制模块11，分别与LCD显示模块12、输入模块13、通信模块14以及读卡模块15连接，用于接收通信模块14发送的商品信息、交易信息以及交易结果，并将其发送至LCD显示模块12进行显示，接收输入模块13发送的用户选择的商品信息以及银行卡密码，利用安全加密算法对银行卡密码进行加密，并将商品选择信息以及加密后的银行卡密码发送至通信模块14；接收读卡模块15发送的银行卡信息，利用安全加密算法对银行卡信息进行加密，并将加密后的银行卡信息发送至通信模块14。
作为本发明一个实施例，主控制模块11具有作为主控CPU芯片，主控制模块11具有安全加密算法，不仅控制整个交易流程，而且提供了各种安全加密算法，对交易数据进行加密和解密，为整个系统的数据安全提供了保证。
LCD显示模块12可以对商品信息、交易金额等交易信息进行显示，可以将相关交易信息直观的提供给用户，以便用户对商品进行选择。
LCD显示模块12与主控制模块11连接，用于接收主控制模块11发送的商品信息、交易信息以及交易结果，并进行显示。
输入模块13与主控制模块11连接，用于接收用户录入的商品选择信息及银行卡密码，并将其发送至主控制模块11。
在本发明实施例中的输入模块13具有按键输入键盘，可以采用按键输入的方式供用户输入需要选择的商品及在支付时输入银行卡密码。
在本发明实施例中的输入模块13还可以采用触控输入的方式供用户输入需要选择的商品及在支付时输入银行卡密码。
通信模块14与主控制模块11以及后台服务器连接，用于根据应用场景中覆盖的网络信号相应地选择网络进行上网连接服务器，并根据选择的网络接收后台服务器发送的商品信息、交易信息以及交易结果，并将商品信息、交易信息以及交易结果发送至主控制模块11，以及接收主控制模块11发送的加密后的银行卡密码，并将其发送至后台服务器。
作为本发明一个实施例，通信模块14包括无线局域网通信模块141以及移动通信模块142。
无线局域网通信模块141用于在无线局域网络覆盖的范围内连接至无线局域网中，使POS机连接至后台服务器，并提供可靠的数据传输通路。
本发明实施例中的无线局域网通信模块141可以通过WIFI（WIreless-Fidelity：无线连接）连接至网络进行通信。
本发明实施例中的物联网多功能移动POS机 在无线局域网络覆盖的商场、餐厅等场所中使用时，通过无线局域网通信模块141选择无线网络实现POS机的联网，可以快速便捷的实现与后台服务器进行通信。
移动通信模块142，用于在没有无线局域网络的情况下，通过内置程序提供移动上网服务。
本发明实施例中的物联网多功能移动POS机在进行快递收单等需要外出收款的场景中使用时，当检测到这些场景中没有无线局域网络覆盖或者无线局域网络出现异常无法提供网络服务时，利用移动通信模块142连接至后台服务器，同样可以实现与后台服务器的通信，使得当POS机所处的位置超过无线局域网络覆盖的范围或者无线局域网络出现异常时，仍然能够通过移动通信模块与后台服务器通信。
移动通信模块142为外出移动收单提供了方便，通过移动通信模块142可直接连接至后台服务器进行支付交易。
作为本发明的一个实施例，移动通信模块142为4G通信模块，通过4G通信模块可以在没有无线局域网络的情况下，通过内置程序提供4G上网服务。
作为本发明的一个实施例，通信模块14还包括蓝牙通信模块。
蓝牙通信模块用于与手机通信连接，使移动POS机通过手机完成支付交易，通过蓝牙通信模块与手机连接，在手机APP上进行刷卡、转账、充值、查询等功能，能使POS机降低成本和功耗。
读卡模块15与主控制模块11连接，用于读取银行卡信息并将其发送至主控制模块11。
读卡模块15可以读取银行卡信息。
本发明实施例中的移动POS机的通信模块14包括无线局域网通信模块141与移动通信模块142， 在无线局域网络覆盖的商场、餐厅等场所，通过无线局域网通信模块141选择无线网络实现POS机的联网，快速便捷的实现与后台服务器的通信， 在需要外出收单等场所中没有无线局域网络覆盖的区域或者无线局域网络出现异常无法提供网络服务时，利用移动通信模块142连接至后台服务器，同样可以实现与后台服务器的通信，使得当POS机所处的位置的超过无线局域网络覆盖的范围或者无线局域网络出现异常时，仍然能够通过移动通信模块142与后台服务器通信，提高了移动POS机的可移动性以及抗局域网网络异常的能力。
作为本发明的一个实施例，优选的，物联网多功能移动POS机还包括打印机模块。
打印机模块，与主控制模块11连接，用于接收主控制模块11发送的交易结果，并将其打印输出。通过打印机模块可以将交易结果进行打印，以便用户进行签单确认完成支付交易。
图2示出了本发明实施例中物联网多功能移动POS机的读卡模块的结构，为了便于说明，仅示出与本发明相关的部分。
作为本发明的一个实施例，读卡模块15包含磁条卡读卡器151、IC卡读卡器152和NFC（Near Field Communication：近场通信技术）读卡器153，通过读卡模块15使POS机可以读取所有银联标志卡的相关信息关信息，如医保卡、社保卡、城市一卡通以及银行卡等，通过主控制模块11以及通信模块14，可以和后台服务器连接进行支付验证，实现刷卡支付。
客户可以通过直接插卡支付与感应刷卡支付两种方式进行支付，当客户进行直接插卡支付时，可以通过磁条卡读卡器151以及IC卡读卡器152进行刷卡支付；当客户进行感应支付时，通过NFC读卡器153进行读卡支付。
作为本发明的一个优选实施例，LCD显示模块12为触控显示屏，用户可以通过触控的输入方式进行商品的选择，更有利于用户体验，提供了更为人性化的人机交互方式。
图3示出了本发明实施例提供的智能支付系统的结构，为了便于说明，仅示出与本发明相关的部分。
本发明实施例中的智能支付系统包括上述所述的物联网多功能移动POS机21、后台服务器22以及银行后台系统23。
本发明实施例中的后台服务器22作为数据处理中心并与银行后台系统23通信完成支付交易。
本发明实施例中的后台服务器22将商品信息或菜单信息等发送至移动POS机21，移动POS机21可以根据应用场景选择不同的通信模块进行通信，并通过LCD显示模块12将商品信息展示给用户，用户了解选择后，通过输入需要选择的商品信息，移动POS机21再将用户选择的商品信息发送至后台服务器22，后台服务器22根据商品选择信息生成交易信息，再将交易信息下发至移动POS机21，用户确认交易信息后，开始支付交易。本发明实施例中的移动POS机21不仅可以作为支付工具，同时还可以显示商品信息供顾客进行选择，具有多种功能。
本发明实施例中，用户确认LCD显示的交易信息后，可以选择刷磁条卡，或插入IC卡，或选择NFC读卡进行支付，移动POS机21读取银行卡信息后，用户可以通过移动POS机21中的按键或者是触屏屏幕输入银行卡密码，移动POS机21中的安全加密芯片将银行卡信息以及密码加密后通过通信模块14发送至后台服务器22，后台服务器22将加密后的银行卡信息以及密码转发至银行后台系统23进行联机交易，银行后台系统23根据银行卡信息以及密码生成交易结果，并将交易结果返回至后台服务器22，后台服务器22再将交易结果下发至移动POS机21，若交易成功，则移动POS机21打印交易结果，用户签名，完成支付交易。
在本发明实施例中的智能支付系统也可以适用于外出收单时使用，移动POS机21可以通过使用移动通信模块142连接至后台服务器22进行支付交易，或者使用蓝牙通信模块连接至手机或PAD等移动终端，将移动POS机21连接至后台服务器22进行支付交易。
作为本发明的一个实施例，银行后台系统23与后台服务器22连接，后台服务器22至少与一个物联网多功能移动POS机21连接。
本发明实施例中的后台服务器22可以支持多个移动POS机21同时连接和进行交易，使多个移动POS机21完成商品信息显示，交易信息显示，银行卡信息读取，密码输入及交易结果打印等功能。
在本发明的实施例中，物联网多功能移动POS机21还可以将交易结果打印输出给用户。
作为本发明的一个实施例，优选的，物联网多功能移动POS机21还可以用于与手机通信连接，通过手机实现与后台服务器22的通信。
在本发明的实施例中的物联网多功能移动POS机21具有触控显示屏，用户可以通过触控的输入方式进行商品的选择，更有利于用户体验，提供了更为人性化的人机交互方式。
图4示出了本发明实施例的智能支付系统的实现流程，详述如下：
1、后台服务器将商品信息或菜单信息等发送至移动POS机；
2、移动POS机接收到后台服务器发送的数据后，通过LCD显示模块展示给用户；
3、用户了解详细商品信息进行选择后，可以输入需要选择的商品信息；
4、POS机将用户输入的商品选择信息发送至后台服务器；
5、后台服务器根据接收的商品选择信息生成交易信息；
6、后台服务器将交易信息发送至POS机；
7、POS机将交易信息展示给用户进行确认；
8、用户确认LCD显示的交易信息后，进行刷卡支付POS机通过读卡模块读取银行卡信息以及用户通过输入模块输入的银行卡密码；
9、POS机将银行卡信息以及银行卡密码加密后发送至后台服务器；
10、后台服务器将加密后的银行卡信息及密码转发至银行后台系统进行联机交易；
11、银行后台系统根据加密后的银行卡信息及密码确认支付信息生成交易结果；
12、银行后台系统将交易结果返回至后台服务器；
13、后台服务器将交易结果转发至移动POS机；
14、POS机打印交易结果输出给用户，用户进行签名，支付完成。
本发明实施例中通过利用局部网络或互联网等通信技术把多个移动POS机21、后台服务器22以及银行后台系统23联在一起，形成一个智能支付系统，提供了一种多个移动POS机21可以同时使用且能适用于多个不同的应用场景中，移动POS机21不仅可以作为支付工具，同时还可以显示商品信息供顾客进行选择，而且能满足快递、采购等外出支付方式的使用需求，大大提高了支付效率。
本发明实施例中的移动POS机可以在无线局域网络覆盖的商场、餐厅等场所中，通过无线局域网通信模块选择无线网络实现POS机的联网， 在没有无线局域网络覆盖的需要外出收款的场所中或者无线局域网络出现异常无法提供网络服务时，利用移动通信模块连接至后台服务器，同样可以实现与后台服务器的通信，使得当POS机所处的位置的超过无线局域网络覆盖的范围或者无线局域网络出现异常时，仍然能够通过移动通信模块与后台服务器通信，提高了移动POS机的可移动性以及抗局域网网络异常的能力。
以上所述仅为本发明的较佳实施例而已，并不用以限制本发明，凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等，均应包含在本发明的保护范围之内。

Claims (10)

  1. 一种物联网多功能移动POS机，其特征在于，所述物联网多功能移动POS机包括：
    主控制模块，分别与LCD显示模块、输入模块、通信模块以及读卡模块连接，用于接收所述通信模块发送的商品信息、交易信息以及交易结果，并发送至所述LCD显示模块进行显示；接收所述输入模块发送的商品选择信息以及银行卡密码，对所述银行卡密码进行加密，并将所述商品选择信息以及加密后的银行卡密码发送至所述通信模块；接收所述读卡模块发送的银行卡信息，对所述银行卡信息进行加密，并将所述加密后的银行卡信息发送至所述通信模块；
    LCD显示模块，与所述主控制模块连接，用于接收所述主控制模块发送的商品信息、交易信息以及交易结果，并进行显示；
    输入模块，与所述主控制模块连接，用于接收用户录入的商品选择信息及银行卡密码，并发送至所述主控制模块；
    通信模块，分别与所述主控制模块以及后台服务器连接，用于接收后台服务器发送的商品信息、交易信息以及交易结果，并将所述商品信息、交易信息以及交易结果发送至所述主控制模块；接收所述主控制模块发送的所述加密后的银行卡信息以及密码，并发送至所述后台服务器；
    所述通信模块包括无线局域网通信模块与移动通信模块，当检测到无线局域网络信号时，所述主控制模块通过所述无线局域网通信模块与后台服务器进行通信；当检测不到无线局域网络信号时，所述主控制模块通过所述移动通信模块与后台服务器进行通信；以及
    读卡模块，与所述主控制模块连接，用于读取卡信息，并发送至所述主控制模块。
  2. 如权利要求1所述的物联网多功能移动POS机，其特征在于，所述物联网多功能移动POS机还包括：
    打印机模块，与所述主控制模块连接，用于接收所述主控制模块发送的交易结果，并打印。
  3. 如权利要求1所述的物联网多功能移动POS机，其特征在于，所述通信模块还包括：
    蓝牙通信模块，用于与手机通信连接，通过手机实现与后台服务器的通信。
  4. 如权利要求1所述的物联网多功能移动POS机，其特征在于，所述读卡模块包括磁条卡读卡器、IC卡读卡器和NFC读卡器。
  5. 如权利要求1、2、3或4中任一项权利要求所述的物联网多功能移动POS机，其特征在于，所述LCD显示模块为触控显示屏。
  6. 一种智能支付系统，包括后台服务器以及银行后台系统，其特征在于，还包括物联网多功能移动POS机；
    所述物联网多功能移动POS机包括：
    主控制模块，分别与LCD显示模块、输入模块、通信模块以及读卡模块连接，用于接收所述通信模块发送的商品信息、交易信息以及交易结果，并发送至所述LCD显示模块进行显示；接收所述输入模块发送的商品选择信息以及银行卡密码，对所述银行卡密码进行加密，并将所述商品选择信息以及加密后的银行卡密码发送至所述通信模块；接收所述读卡模块发送的银行卡信息，对所述银行卡信息进行加密，并将所述加密后的银行卡信息发送至所述通信模块；
    LCD显示模块，与所述主控制模块连接，用于接收所述主控制模块发送的商品信息、交易信息以及交易结果，并进行显示；
    输入模块，与所述主控制模块连接，用于接收用户录入的商品选择信息及银行卡密码，并发送至所述主控制模块；
    通信模块，分别与所述主控制模块以及后台服务器连接，用于接收后台服务器发送的商品信息、交易信息以及交易结果，并将所述商品信息、交易信息以及交易结果发送至所述主控制模块；接收所述主控制模块发送的所述加密后的银行卡信息以及密码，并发送至所述后台服务器；
    所述通信模块包括无线局域网通信模块与移动通信模块，当检测到无线局域网络信号时，所述主控制模块通过所述无线局域网通信模块与后台服务器进行通信；当检测不到无线局域网络信号时，所述主控制模块通过所述移动通信模块与后台服务器进行通信；以及
    读卡模块，与所述主控制模块连接，用于读取卡信息，并发送至所述主控制模块。
    所述后台服务器用于接收所述物联网多功能移动POS机发送的所述加密后的银行卡信息以及密码，并发送至所述银行后台系统；接收所述银行后台系统发送的所述交易结果，将商品信息、交易信息以及交易结果发送至所述物联网多功能移动POS机；
    所述银行后台系统用于接收所述后台服务器发送的所述加密后的银行卡信息以及密码，根据所述加密后的银行卡信息以及密码生成交易结果，并发送至所述后台服务器。
  7. 如权利要求6所述的智能支付系统，其特征在于，所述物联网多功能移动POS机还包括：
    打印机模块，与所述主控制模块连接，用于接收所述主控制模块发送的交易结果，并打印。
  8. 如权利要求7所述的智能支付系统，其特征在于，所述通信模块还包括：
    蓝牙通信模块，用于与手机通信连接，通过手机实现与后台服务器的通信。
  9. 如权利要求8所述的智能支付系统，其特征在于，所述读卡模块包括磁条卡读卡器、IC卡读卡器和NFC读卡器。
  10. 如权利要求6、7、8或9中任一项权利要求所述的智能支付系统，其特征在于，所述LCD显示模块为触控显示屏。
PCT/CN2016/085047 2015-06-26 2016-06-07 一种物联网多功能移动pos机及智能支付系统 WO2016206535A1 (zh)

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