WO2019080853A1 - 支持点对点非现金交易信息无障碍交互联接技术系统 - Google Patents

支持点对点非现金交易信息无障碍交互联接技术系统

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Publication number
WO2019080853A1
WO2019080853A1 PCT/CN2018/111562 CN2018111562W WO2019080853A1 WO 2019080853 A1 WO2019080853 A1 WO 2019080853A1 CN 2018111562 W CN2018111562 W CN 2018111562W WO 2019080853 A1 WO2019080853 A1 WO 2019080853A1
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WIPO (PCT)
Prior art keywords
transaction data
electronic
original
original transaction
circuit
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Application number
PCT/CN2018/111562
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English (en)
French (fr)
Inventor
丘炎卫
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丘炎卫
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Application filed by 丘炎卫 filed Critical 丘炎卫
Publication of WO2019080853A1 publication Critical patent/WO2019080853A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices

Definitions

  • the invention relates to an Internet of Things technology for cross-media product information barrier-free interaction, in particular to a technology system for supporting peer-to-peer non-cash transaction information barrier-free interactive connection, meeting payment parties (consumers) and payees (suppliers) Non-cash trading needs.
  • bank terminals can only be popularized in large public places such as shopping malls and restaurants, and cannot be popularized in all public consumption places, it is still troublesome for consumers to settle after they consume in these public consumption places.
  • the user can perform specified non-cash transaction consumption on the cash register terminal of the POS terminal, the cooperative merchant cash register through the APP payment code (one-dimensional code/two-dimensional code) of the smart phone.
  • APP payment code one-dimensional code/two-dimensional code
  • Inter-connect technology and communication technology are two different concepts of technology. Inter-connect technology is a necessary condition that cannot be crossed.
  • the Internet of Things is the Internet connected by objects.
  • the main body of responsibility for information accessibility construction is the government.
  • Information accessibility means that anyone (whether a healthy person or a disabled person, whether young or old) can be equal, convenient, and without Obtain access to information and use information.
  • Information accessibility includes two main areas: one is electronic and information technology accessibility; the other is network accessibility (Note: Web site accessibility is a category of network accessibility issues).
  • the Internet of Things is an important part of the new generation of information technology and an important stage of development in the era of "informatization.” According to the definition of the International Telecommunication Union (ITU), the Internet of Things mainly deals with the interaction between Things and Thing (T2T), Human to Thing (H2T), and Human to Human (H2H). even.
  • ITU International Telecommunication Union
  • the core and foundation of the Internet of Things is still the Internet, which is an extended and expanded network based on the Internet;
  • the user end extends and expands between any item and item, and exchanges information and communication, that is, the object meets.
  • the present invention provides a system for supporting point-to-point non-cash transaction information barrier-free interactive connection, which comprises an electronic transaction product supporting point-to-point interactive connection technology, a communication terminal product supporting point-to-point interactive connection technology, and supporting point-to-point interactive connection.
  • Electronic trading system of technology characterized in that;
  • the electronic transaction product has a built-in original transaction data central processor, and is provided with a payee terminal management system, and the payee terminal management system outputs original transaction data;
  • the original transaction data central processor sets an original transaction data information signal synthesis circuit, and the synthesis circuit combines the original transaction data and the associated data into an original transaction data information signal;
  • the associated data is a digital identification code (ID code) set by the electronic transaction product, and the associated data is set to be repeatedly repeated and cyclically transmitted within the reading time of the original transaction data;
  • ID code digital identification code
  • the electronic transaction product is provided with a short-distance signal transceiver circuit
  • the communication terminal product includes an electronic reading device and an electronic transceiver device
  • the electronic reading device is provided with a short-distance signal transceiver circuit
  • the electronic reading device is provided with an original transaction data receiving circuit, an original transaction data decomposition circuit, a payer terminal management system, and an approved transaction data information signal synthesis circuit;
  • the original transaction data receiving circuit receives the original transaction data information signal, and decomposes the original transaction data information signal into the original transaction data and the associated data through the original transaction data decomposition circuit;
  • the payment party terminal management system controls the approval of the original transaction data, and after being approved, the approved transaction data and the decomposed associated data are combined into an approved transaction data information signal by the approval transaction data information signal synthesis circuit, and the electronic transceiver device is transmitted. ;
  • the electronic transceiver device supports remote wireless technology transmission
  • the electronic transceiver device is provided with an approved transaction data receiving circuit, an approved transaction data transmitting circuit and a transaction data central processor including a storage;
  • the electronic transaction system establishes an agreement with the relevant financial institution to support the terminal cash register product built-in recipient terminal management system and the support communication terminal product built-in payer terminal management system to use its electronic transaction clearing platform for settlement.
  • the reading time of the electronic transaction product outputting the original transaction data is an adjustable setting.
  • the communication terminal product supporting the point-to-point non-cash transaction information barrier-free interactive connection technology system is provided with a shortcut key.
  • the electronic transaction clearing platform of the electronic transaction system receives the approval transaction data information signal request instruction sent by the payment party terminal management system, and supports completion of the settlement procedure of the payment party terminal management system and the payee terminal management system, and returns the transaction result Passed to the payee terminal management system.
  • the terminal user password is set before the payment party terminal management system and the electronic transaction clearing platform of the electronic transaction system perform the operation.
  • the electronic transaction clearing platform of the electronic transaction system receives the approval transaction data information signal request instruction sent by the payment party terminal management system, and the electronic transaction clearing platform of the electronic transaction system returns the terminal user password set by the payment party terminal management system ;
  • the payer terminal management system returns the terminal customer confirmation code, activates the relevant operation procedure of the electronic transaction system, and performs the corresponding transaction flow procedure.
  • the electronic transaction product is a terminal cash register
  • the terminal cash register has a built-in original transaction data central processor, and is provided with a payee terminal management system, and the payee terminal management system outputs original transaction data; the original transaction data is displayed by an associated display device;
  • the original transaction data central processor sets an original transaction data information signal synthesis circuit, and the synthesis circuit combines the original transaction data and the associated data into an original transaction data information signal;
  • the associated data is a digital identification code (ID code) set by the terminal cash register, and the associated data is set to be repeatedly repeated and cyclically transmitted within the reading time of the original transaction data;
  • ID code digital identification code
  • the terminal cash register is provided with a short-distance signal transceiver circuit
  • the electronic reading device is provided with an original transaction data receiving circuit, an original transaction data decomposition circuit, a payment party terminal management system, and a module for recognizing the transaction data information signal synthesis circuit, and an approved transaction data receiving circuit and an approved transaction data provided by the electronic transceiver device.
  • a transmitting circuit and a module of a transaction data central processor including a memory, embedded in a communication terminal product with independent operation;
  • the electronic reading device is provided with a short-distance signal transceiver circuit
  • the electronic transceiver supports remote wireless technology transmission.
  • the electronic transaction product is a terminal intelligent product
  • the terminal intelligent product has a built-in original transaction data central processor, and is provided with a payee terminal management system, and the payee terminal management system outputs original transaction data, and the original transaction data can be displayed by an associated display device;
  • the original transaction data central processor sets an original transaction data information signal synthesis circuit, and the synthesis circuit combines the original transaction data and the associated data into an original transaction data information signal;
  • the associated data is a digital identification code (ID code) set by the terminal intelligent product, and the associated data is set to be repeatedly repeated and cyclically transmitted within the reading time of the original transaction data;
  • ID code digital identification code
  • the terminal intelligent product is provided with a short-distance signal transceiver circuit
  • the electronic reading device is provided with an original transaction data receiving circuit, an original transaction data decomposition circuit, a payment party terminal management system, and a module for recognizing the transaction data information signal synthesis circuit, and an approved transaction data receiving circuit and an approved transaction data provided by the electronic transceiver device.
  • a transmitting circuit and a module of a transaction data central processor including a memory, embedded in a communication terminal product with independent operation;
  • the electronic reading device is provided with a short-distance signal transceiver circuit
  • the electronic transceiver supports remote wireless technology transmission.
  • the electronic transaction product is a POS terminal
  • the POS terminal machine has a built-in original transaction data central processor, and is provided with a payee terminal management system, and the payee terminal management system outputs original transaction data, and the original transaction data can be displayed by an associated display device;
  • the original transaction data central processor sets an original transaction data information signal synthesis circuit, and the synthesis circuit combines the original transaction data and the associated data into an original transaction data information signal;
  • the associated data is a digital identification code (ID code) set by the POS terminal, and the associated data is set to be repeated multiple times and cyclically during the reading time of the original transaction data;
  • ID code digital identification code
  • the POS terminal device is provided with a short-distance signal transceiver circuit
  • the electronic reading device is provided with an original transaction data receiving circuit, an original transaction data decomposition circuit, a payment party terminal management system, and a module for recognizing the transaction data information signal synthesis circuit, and an approved transaction data receiving circuit and an approved transaction data provided by the electronic transceiver device.
  • a transmitting circuit and a module of a transaction data central processor including a memory, embedded in a communication terminal product with independent operation;
  • the electronic reading device is provided with a short-distance signal transceiver circuit
  • the electronic transceiver supports remote wireless technology transmission.
  • the electronic transaction product is a digital display terminal
  • the digital display terminal machine has a built-in original transaction data central processor, and is provided with a payee terminal management system, and the payee terminal management system outputs original transaction data, and the original transaction data can be displayed by an associated display device;
  • the original transaction data central processor sets an original transaction data information signal synthesis circuit, and the synthesis circuit combines the original transaction data and the associated data into an original transaction data information signal;
  • the associated data is a digital identification code (ID code) set by the digital display terminal, and the associated data is set to be repeated multiple times and cyclically during the reading time of the original transaction data;
  • ID code digital identification code
  • the digital display terminal machine is provided with a short-distance signal transceiver circuit
  • the electronic reading device is provided with an original transaction data receiving circuit, an original transaction data decomposition circuit, a payment terminal terminal management system, and a module for recognizing the transaction data information signal synthesis circuit, and an approved transaction data receiving circuit provided by the electronic transceiver device, and the approval a transaction data transmitting circuit and a module of a transaction data central processor including a memory, embedded in a communication terminal product with independent operation;
  • the electronic reading device is provided with a short-distance signal transceiver circuit
  • the electronic transceiver supports remote wireless technology transmission.
  • the electronic transaction product sets a voice system, and the output original transaction data is synchronously converted into voice random play.
  • the point-to-point non-cash transaction information barrier-free interactive connection technology system of the invention comprises the electronic transaction product supporting the point-to-point interactive connection technology, the communication terminal product supporting the point-to-point interactive connection technology and the electronic transaction system supporting the point-to-point interactive connection technology, and supports Cross-media product information barrier-free interactive connection, solve the technical problem of seamless connection between cross-media products and the Internet, and meet the non-cash transaction needs of the payer (consumer) and the payee (supplier).
  • the applicant adopts the digital identification code (ID code) as the core technology to create the PTP Internet of Things technology platform.
  • the platform uses the “smart point” of the digital identification code (ID code) as the supporting technology mechanism to support the location identification and connection to the Internet.
  • the media product information has no barriers to interactive online (Internet), which is obviously superior to other identification technologies and effectively promotes the development of global electronic transactions.
  • FIG. 1A is a schematic diagram of the principle of the technology of the present invention.
  • Figure 1B is a schematic diagram of transaction data and associated data
  • 3A is a schematic diagram of application of a single terminal cash register product of the present invention.
  • FIG. 3B is a schematic diagram of application of a plurality of terminal cash register products according to the present invention.
  • An accessibility interactive connection technology system supporting point-to-point non-cash transaction information comprising an electronic transaction product 80 supporting point-to-point interactive connection technology, a communication terminal product 38 supporting point-to-point interactive connection technology, and an electronic transaction system 90 supporting point-to-point interactive connection technology Characterized by;
  • the electronic transaction product 80 has a built-in original transaction data central processing unit 801, and is provided with a payee terminal management system 802, and the payee terminal management system outputs original transaction data 803A;
  • the original transaction data central processing unit 801 sets the original transaction data information signal synthesis circuit 804, the synthesis circuit combines the original transaction data 803A and the associated data 12 into the original transaction data information signal 01A;
  • the associated data 12 is a digital identification code (ID code) set by the electronic transaction product, and the associated data is set to be repeatedly repeated and cyclically transmitted within the reading time of the original transaction data 803A;
  • ID code digital identification code
  • the illustration contains one piece of information content, and the information content of the original transaction data only needs to have one piece of associated data (that is, one piece of electronic address data).
  • the electronic transaction product 80 is provided with a short-distance signal transceiver circuit
  • the communication terminal product 38 includes an electronic reading device 02 and an electronic transceiver device 03;
  • the electronic reading device is provided with a short-range signal transmitting and receiving circuit, and the short-distance communication technology includes technologies such as infrared rays and Bluetooth.
  • the electronic reading device 02 is provided with an original transaction data receiving circuit 21, an original transaction data decomposition circuit 22, a payer terminal management system 381 and an approved transaction data information signal synthesis circuit 24;
  • the original transaction data receiving circuit 21 receives the original transaction data information signal 01A, and the original transaction data information signal 01A is decomposed into the original transaction data 803A and the associated data 12 by the original transaction data decomposition circuit 22;
  • the payer terminal management system 381 controls the approval of the original transaction data 803A. After approval, the approved transaction data 803B and the decomposed associated data 12 are combined into an approved transaction data information signal 01B by the approved transaction data information signal synthesis circuit. , transmitting an electronic transceiver;
  • the electronic transceiver device supports remote wireless technology transmission, and the remote wireless technology includes technologies such as GSM, CDMA, and GPRS.
  • the electronic transceiver is provided with an approved transaction data receiving circuit 31, an approved transaction data transmitting circuit 32, and a transaction data central processor 33 including a memory;
  • the electronic transaction system 90 establishes an agreement with the relevant financial institution to support the terminal cashier product built-in payee terminal management system and the support communication terminal product built-in payer terminal management system to use its electronic transaction clearing platform 901 for settlement.
  • the electronic transceiver device controls and decomposes the transaction data information signal, and sends the electronic transaction system to the external support point-to-point non-cash transaction through the remote wireless technology, and settles through the electronic transaction clearing platform service of the relevant financial institution.
  • the reading time of the electronic transaction product outputting the original transaction data is an adjustable setting, which satisfies the trading environment of different users, and can be adjusted for a shorter or longer time according to the actual transaction demand.
  • the invention can acquire relevant data of cross-media product information at any time, anywhere and at random through a smart phone supporting peer-to-peer interaction.
  • the communication terminal product 38 supporting the point-to-point non-cash transaction information barrier-free interactive connection technology system is provided with a shortcut key 39.
  • the paying party uses the communication terminal product (such as a smart phone, etc.) within the effective range, and arbitrarily presses the associated "operation key" (initiating the point-to-point interactive connection function), and can receive the cash from the terminal supporting the point-to-point interactive connection.
  • the product reads the original transaction data, and the terminal cash register product is provided with a display screen to display the original transaction data, and the payer (consumer) confirms that it is correct, and then presses the “confirmation button” to quickly complete the entire transaction operation process.
  • the electronic transaction system establishes an agreement with the relevant financial institution to support the payment party terminal management system and the payee terminal management system to use their electronic transaction clearing platform services for settlement.
  • the relevant financial institution may be a banking institution or an electronic transaction clearing platform service of a network of non-bank payment institutions.
  • the electronic transaction clearing platform of the electronic transaction system 90 receives the approval transaction data information signal 01B request instruction sent by the payment party terminal management system, and supports the completion of the settlement procedure of the payment party terminal management system and the payee terminal management system, and the transaction is executed. The result is passed back to the payee terminal management system.
  • the present invention provides two-way authentication to improve the electronic transaction security factor of the payer.
  • the end user password 97 is set before the payer terminal management system and the electronic transaction clearing platform of the electronic transaction system 90 perform the operation.
  • the electronic transaction clearing platform of the electronic transaction system 90 receives the approval transaction data information signal 01B request instruction sent by the payment party terminal management system, and the electronic transaction clearing platform backhaul of the electronic transaction system 90 is set by the payment party terminal management system. End user password;
  • the payer terminal management system returns the terminal customer confirmation code 98, activates the relevant operation procedure of the electronic transaction system, and performs the corresponding transaction flow procedure.
  • the invention complies with service and international security standards.
  • the electronic transaction product is a terminal cash register 81;
  • the terminal cash register 81 has a built-in original transaction data central processing unit 801, and is provided with a payee terminal management system 802.
  • the payee terminal management system outputs original transaction data 803A, and the original transaction data is displayed by an associated display device;
  • the original transaction data central processing unit 801 sets the original transaction data information signal synthesis circuit 804, the synthesis circuit combines the original transaction data 803A and the associated data 12 into the original transaction data information signal 01A;
  • the associated data 12 is a digital identification code (ID code) set by the terminal cash register, and the associated data is set to be repeatedly repeated and cyclically transmitted within the reading time of the original transaction data 803A;
  • ID code digital identification code
  • the terminal cash register is provided with a short-distance signal transceiver circuit
  • the electronic reading device is provided with an original transaction data receiving circuit, an original transaction data decomposing circuit, a processor terminal management system 381, and a module for recognizing the transaction data information signal synthesizing circuit 24, and an approved transaction data receiving circuit provided by the electronic transceiver device, and the approval.
  • a transaction data transmitting circuit and a module of a transaction data central processor including a memory, embedded in a communication terminal product with independent operation;
  • the electronic reading device is provided with a short-distance signal transceiver circuit
  • the electronic transceiver supports remote wireless technology transmission.
  • FIG. 3A a schematic diagram of a single terminal cash register product application.
  • the fast food terminal cashier product settles the original transaction data of 1234.85 yuan (the invention refers to the settlement transaction amount data as the original transaction data), and the terminal cash register product is attached. There is a display that displays the original transaction data for consumer confirmation.
  • the consumer needs to input the transaction data corresponding to the order
  • the invention Compared with the technical scheme of the two-dimensional code pattern, the invention has no change in the function of the original product, and the effect of the invention is obviously superior, and the operation accuracy and convenience are improved.
  • the electronic transaction product is a terminal smart product 82;
  • the terminal smart product 82 includes an original transaction data central processing unit 801, and is provided with a payee terminal management system 802.
  • the payee terminal management system outputs original transaction data 803A, and the original transaction data can be displayed by an associated display device;
  • the original transaction data central processing unit 801 sets the original transaction data information signal synthesis circuit 804, the synthesis circuit combines the original transaction data 803A and the associated data 12 into the original transaction data information signal 01A;
  • the associated data 12 is a digital identification code (ID code) set by the terminal intelligent product, and the associated data is set to be repeatedly repeated and cyclically transmitted within the reading time of the original transaction data 803A;
  • ID code digital identification code
  • the terminal intelligent product is provided with a short-distance signal transceiver circuit
  • the electronic reading device is provided with an original transaction data receiving circuit, an original transaction data decomposing circuit, a processor terminal management system 381, and a module for recognizing the transaction data information signal synthesizing circuit 24, and an approved transaction data receiving circuit provided by the electronic transceiver device, and the approval.
  • a transaction data transmitting circuit and a module of a transaction data central processor including a memory, embedded in a communication terminal product with independent operation;
  • the electronic reading device is provided with a short-distance signal transceiver circuit
  • the electronic transceiver supports remote wireless technology transmission.
  • FIG. 3B a schematic diagram of application of a plurality of terminal cash register products.
  • the terminal intelligent product is designed as a small portable type, providing a series of support for settlement and non-cash transactions, greatly reducing the workload of the waiter and releasing more. More labor (lower operating costs).
  • the present invention promotes the deep integration of traditional industries and Internet technologies by optimizing traditional industrial technologies, and coexisting and developing.
  • the present invention is compared with the operation of reading the associated data by the two-dimensional code pattern scheme
  • Reading transaction data does not need to be affected by ambient lighting conditions.
  • read transaction data distance can be in the range of more than 10 meters radius, and very stable, and the two-dimensional code pattern scheme under normal conditions, the operable range is about 1 meter.
  • the present invention replaces the two-dimensional code pattern and can reduce the aesthetic appearance of the product.
  • the invention is applied to traffic road toll stations (including parking lot toll stations, etc.), and the service objects of the toll stations are like vehicles, and the operating conditions are as follows:
  • the settlement system needs to read the data of different road entrances and vehicles with different toll levels according to the data card, and the charging system outputs relevant transaction data;
  • the driver pays the fee according to the transaction data, and the payment method is as follows;
  • Electronic payment card such as NFC function of smart phone, Hong Kong Octopus, Shenzhen Tong, etc.
  • the service of these toll stations is like a vehicle.
  • the toll station has a certain distance from the driver of the vehicle. Different types of vehicles are different from the toll stations.
  • the cashier must hand the relevant electronic card reader to the driver and increase The cashier’s workload and hard work.
  • the service of these toll stations is like a vehicle.
  • the toll station has a certain distance from the driver of the vehicle. Different types of vehicles are different distances from the toll stations. The distance between the vehicle driver and the toll station is a certain distance. The accuracy of the vehicle driver's scan is reduced, or the two-dimensional code pattern is affected by external conditions (such as pattern discoloration, pattern damage, etc.), which increases the difficulty of operation.
  • the electronic transaction product is a POS terminal 83;
  • the POS terminal 83 has a built-in original transaction data central processing unit 801, and is provided with a payee terminal management system 802.
  • the payee terminal management system 381 outputs original transaction data 803A, which can be displayed by an associated display device. ;
  • the original transaction data central processing unit 801 sets the original transaction data information signal synthesis circuit 804, the synthesis circuit combines the original transaction data 803A and the associated data 12 into the original transaction data information signal 01A;
  • the associated data 12 is a digital identification code (ID code) set by the POS terminal, and the associated data is set to be repeatedly repeated and cyclically transmitted within the reading time of the original transaction data 803A;
  • ID code digital identification code
  • the POS terminal device is provided with a short-distance signal transceiver circuit
  • the electronic reading device is provided with an original transaction data receiving circuit, an original transaction data decomposing circuit, a processor terminal management system 381, and a module for recognizing the transaction data information signal synthesizing circuit 24, and an approved transaction data receiving circuit provided by the electronic transceiver device, and the approval.
  • a transaction data transmitting circuit and a module of a transaction data central processor including a memory, embedded in a communication terminal product with independent operation;
  • the electronic reading device is provided with a short-distance signal transceiver circuit
  • the electronic transceiver supports remote wireless technology transmission.
  • the original transaction data after the settlement is completed is presented on the display screen of the recipient terminal management system, and the consumer simply presses the “shortcut key” of the smart phone, and the smart phone screen also presents the same payment fee data. The consumer then presses the "confirmation button" to complete the transaction process of the relevant payment fee, which can improve the safety factor of the credit card (or electronic payment card).
  • the electronic transaction product is a digital display terminal 84;
  • the digital display terminal machine has a built-in original transaction data central processing unit 801, and is provided with a payee terminal management system 802.
  • the payee terminal management system outputs original transaction data 803A, and the original transaction data can be displayed by an associated display device;
  • the original transaction data central processing unit 801 sets the original transaction data information signal synthesis circuit 804, the synthesis circuit combines the original transaction data 803A and the associated data 12 into the original transaction data information signal 01A;
  • the associated data 12 is a digital identification code (ID code) set by the digital display terminal, and the associated data is set to be repeated multiple times and cyclically during the reading time of the original transaction data 803A;
  • ID code digital identification code
  • the digital display terminal machine is provided with a short-distance signal transceiver circuit
  • the electronic reading device is provided with an original transaction data receiving circuit, an original transaction data decomposition circuit, a module of the payer terminal management system 381 and the approved transaction data information signal synthesizing circuit 24, and an approved transaction data receiving circuit provided by the electronic transceiver device.
  • a module for recognizing the transaction data transmission circuit and the transaction data central processor including the memory, and embedding the communication terminal product with independent operation;
  • the electronic reading device is provided with a short-distance signal transceiver circuit
  • the electronic transceiver supports remote wireless technology transmission.
  • the digital display terminal of this application example supports functions such as meter data uploading, meter health analysis, meter status service, and work task service.
  • the user's electricity meter records applied to the power supply company greatly improve the efficiency of the power meter company's meter readers and reduce operating costs.
  • the existing market supports non-cash transaction two-dimensional code graphics technology solutions and NFC and other technical solutions, which are difficult for the visually impaired to operate or difficult to operate.
  • the electronic transaction product sets a voice system, and the output original transaction data is synchronously converted into a random voice play, and the visually impaired person can also operate and use.
  • the present invention is superior to the market related technical solutions and product solutions, regardless of the operation, production cost and effect.
  • the invention will affect all aspects of the business chain and create a new form of business model and value chain.

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Abstract

一种支持点对点非现金交易信息无障碍交互联接技术系统，该系统包括支持点对点交互联接技术的电子交易产品（80）、支持点对点交互联接技术的通信终端产品（38）及支持点对点交互联接技术的电子交易系统（90），满足付款方与受款方的非现金交易需求。

Description

支持点对点非现金交易信息无障碍交互联接技术系统 【技术领域】
本发明涉及跨媒体产品信息无障碍交互关联的物联网技术，特别是涉及一种支持点对点非现金交易信息无障碍交互联接技术系统，满足付款方(消费者)与受款方(供应商)的非现金交易需求。
【背景技术】
随着电子与通信技术的快速发展，利用智能手机进行电子交易将是社会发展的必然趋向。
银行网络服务系统的推广，消费者在安装银行终端的商场进行购物结算，提供了极大的方便，消费者不必携带大量现金。
然而，由于银行终端只能普及到较大的商场、饭店等公共消费场所，而不能普及到所有公共消费场所，因此当消费者在这些公共消费场所消费后，进行结算仍然比较麻烦。
但是，虽然市场已有各种不同类型的智能手机交易模式，由于仍存在很多技术性的问题。未来移动终端将更加网络化、社交化，因为智能手机和其他智能终端离人最近，它可以被看作是人的一个组成部分，使得人们真正进入了人机交互的信息化时代。
随着宽带无线接入技术和移动终端技术的飞速发展，人们迫切希望能够随时、随地在移动过程中，能够方便地随意从互联网获取信息和服务。
随着移动通信技术的发展和移动互联网的普及，智能手机的功能日益强大，通过智能手机的APP付款码(一维码/二维码)的创新交易媒介技术进行非现金交易。
用户可通过智能手机的APP付款码(一维码/二维码)在POS终端机、 合作商家收银机等收银终端上进行指定的非现金交易消费。
但是，智能手机需要登录跨媒体产品信息的相关互联网，即是线下与线上的联接，交互联接技术与传播技术是二种不同概念的技术，交互联接技术是不可跨越的必需条件。
采用二维码图形技术方案进行非现金交易已形成成熟的产品和产业链，实际操作中存在使用条件限制，如视障人仕是无法使用。
因为互联网并没有考虑到对于任何物品连接的问题，故我们使用物联网来解决这个传统意义上的问题。
物联网就是物物相连的互联网。
信息无障碍建设的责任主体是政府。
信息无障碍，中国互联网协会给出了一个定义：信息无障碍是指任何人(无论是健全人还是残疾人，无论是年轻人还是老年人)在任何情况下都能平等的、方便地、无障碍地获取信息、利用信息。信息无障碍包括两个主要范畴：一个是电子和信息技术无障碍；另一个是网络无障碍(注：网站无障碍建设属于网络无障碍问题范畴)。
物联网是新一代信息技术的重要组成部分，也是“信息化”时代的重要发展阶段。根据国际电信联盟(ITU)的定义，物联网主要解决物品与物品(Thing to Thing,T2T)，人与物品(Human to Thing,H2T)，人与人(Human to Human,H2H)之间的互连。
这有两层意思:
其一，物联网的核心和基础仍然是互联网，是在互联网基础上的延伸和扩展的网络；
其二，其用户端延伸和扩展到了任何物品与物品之间，进行信息交换和通信，也就是物物相息。
解决信息无障碍联接技术，提供更简便、快捷的使用条件，实现随时、随地及随意联接线上(互联网)的市场发展需求。
【发明内容】
为实现上述目的，本发明提供一种支持点对点非现金交易信息无障碍交互联接技术系统，该系统包括支持点对点交互联接技术的电子交易产品、支持点对点交互联接技术的通信终端产品及支持点对点交互联接技术的电子交易系统，其特征在于；
所述电子交易产品内置原始交易数据中央处理器，设有受款方终端管理系统,该受款方终端管理系统输出原始交易数据；
所述原始交易数据中央处理器设置原始交易数据信息信号合成电路，该合成电路把原始交易数据与关联数据组合成原始交易数据信息信号；
所述关联数据是电子交易产品设定的数位识别码(ID码),关联数据在原始交易数据的读数时间内，设置多次重复及循环发送；
所述电子交易产品附有短距离信号收发电路；
所述通信终端产品包括电子读数装置及电子收发装置；
所述电子读数装置附有短距离信号收发电路；
所述电子读数装置设有原始交易数据接收电路、原始交易数据分解电路、付款方终端管理系统及认可交易数据信息信号合成电路；
所述原始交易数据接收电路接收原始交易数据信息信号，通过原始交易数据分解电路把原始交易数据信息信号分解为原始交易数据及关联数据；
所述付款方终端管理系统管控原始交易数据的认可，经认可后，设定为认可交易数据与分解后的关联数据通过认可交易数据信息信号合成电路组合成认可交易数据信息信号，传送电子收发装置；
所述电子收发装置支持远程无线技术发送；
所述电子收发装置设有认可交易数据接收电路、认可交易数据发送电路及含储存器的交易数据中央处理器；
所述电子交易系统与相关金融机构建立协议，支持终端收银产品内置 受款方终端管理系统与支持通信终端产品内置付款方终端管理系统使用其电子交易清算平台进行结算。
所述电子交易产品输出原始交易数据的读数时间是可调变设置。
所述支持点对点非现金交易信息无障碍交互联接技术系统的通信终端产品设有快捷键。
所述电子交易系统的电子交易清算平台收到付款方终端管理系统发送的认可交易数据信息信号请求指令，支持完成付款方终端管理系统与受款方终端管理系统的交收手续，把交易结果回传到受款方终端管理系统。
所述付款方终端管理系统与电子交易系统的电子交易清算平台实施操作前，设定终端用户密码。
所述电子交易系统的电子交易清算平台收到付款方终端管理系统发送的认可交易数据信息信号请求指令，该电子交易系统的电子交易清算平台回传与付款方终端管理系统设定的终端用户密码；
所述付款方终端管理系统回传终端客户确认码，激活电子交易系统的相关操作程序启动，进行对应的交易流程手续。
所述电子交易产品是终端收银机；
所述终端收银机内置原始交易数据中央处理器，设有受款方终端管理系统,该受款方终端管理系统输出原始交易数据；该原始交易数据通过相关的显示装置显示；
所述原始交易数据中央处理器设置原始交易数据信息信号合成电路，该合成电路把原始交易数据与关联数据组合成原始交易数据信息信号；
所述关联数据是终端收银机设定的数位识别码(ID码),关联数据在原始交易数据的读数时间内，设置多次重复及循环发送；
所述终端收银机附有短距离信号收发电路；
所述电子读数装置设有原始交易数据接收电路、原始交易数据分解电路、付款方终端管理系统及认可交易数据信息信号合成电路的模块及电子 收发装置设有的认可交易数据接收电路、认可交易数据发送电路及含储存器的交易数据中央处理器的模块，嵌入具独立操作的通信终端产品；
所述电子读数装置附有短距离信号收发电路；
所述电子收发装置支持远程无线技术发送。
所述电子交易产品是终端智能产品；
所述终端智能产品内置原始交易数据中央处理器，设有受款方终端管理系统,该受款方终端管理系统输出原始交易数据，该原始交易数据可以通过相关的显示装置显示；
所述原始交易数据中央处理器设置原始交易数据信息信号合成电路，该合成电路把原始交易数据与关联数据组合成原始交易数据信息信号；
所述关联数据是终端智能产品设定的数位识别码(ID码),关联数据在原始交易数据的读数时间内，设置多次重复及循环发送；
所述终端智能产品附有短距离信号收发电路；
所述电子读数装置设有原始交易数据接收电路、原始交易数据分解电路、付款方终端管理系统及认可交易数据信息信号合成电路的模块及电子收发装置设有的认可交易数据接收电路、认可交易数据发送电路及含储存器的交易数据中央处理器的模块，嵌入具独立操作的通信终端产品；
所述电子读数装置附有短距离信号收发电路；
所述电子收发装置支持远程无线技术发送。
所述电子交易产品是POS终端机；
所述POS终端机内置原始交易数据中央处理器，设有受款方终端管理系统,该受款方终端管理系统输出原始交易数据，该原始交易数据可以通过相关的显示装置显示；
所述原始交易数据中央处理器设置原始交易数据信息信号合成电路，该合成电路把原始交易数据与关联数据组合成原始交易数据信息信号；
所述关联数据是POS终端机设定的数位识别码(ID码),关联数据在原 始交易数据的读数时间内，设置多次重复及循环发送；
所述POS终端机附有短距离信号收发电路；
所述电子读数装置设有原始交易数据接收电路、原始交易数据分解电路、付款方终端管理系统及认可交易数据信息信号合成电路的模块及电子收发装置设有的认可交易数据接收电路、认可交易数据发送电路及含储存器的交易数据中央处理器的模块，嵌入具独立操作的通信终端产品；
所述电子读数装置附有短距离信号收发电路；
所述电子收发装置支持远程无线技术发送。
所述电子交易产品是数字显示终端机；
所述数字显示终端机内置原始交易数据中央处理器，设有受款方终端管理系统,该受款方终端管理系统输出原始交易数据，该原始交易数据可以通过相关的显示装置显示；
所述原始交易数据中央处理器设置原始交易数据信息信号合成电路，该合成电路把原始交易数据与关联数据组合成原始交易数据信息信号；
所述关联数据是数字显示终端机设定的数位识别码(ID码),关联数据在原始交易数据的读数时间内，设置多次重复及循环发送；
所述数字显示终端机附有短距离信号收发电路；
所述电子读数装置设有原始交易数据接收电路、原始交易数据分解电路、付款方终端管理系统及认可交易数据信息信号合成电路的模块及所述电子收发装置设有的认可交易数据接收电路、认可交易数据发送电路及含储存器的交易数据中央处理器的模块，嵌入具独立操作的通信终端产品；
所述电子读数装置附有短距离信号收发电路；
所述电子收发装置支持远程无线技术发送。
所述电子交易产品设置语音系统,输出的原始交易数据同步转为语音随机播放。
本发明的点对点非现金交易信息无障碍交互联接技术系统，通过包括支持点对点交互联接技术的电子交易产品、支持点对点交互联接技术的通信终端产品及支持点对点交互联接技术的电子交易系统组合构成，支持跨媒体产品信息无障碍交互联接，解决跨媒体产品与互联网实现无缝联接的技术难题，满足付款方(消费者)与受款方(供应商)的非现金交易需求。
申请人采用数位识别码(ID码)为核心技术打造的PTP物联网技术平台，该平台以数位识别码(ID码)的“智慧点”为支撑定位识别及联接互联网的关联技术机制，支持跨媒体产品信息无碍障交互联接线上(互联网)，明显优于其他识别技术，有效促进全球电子交易发展。
【附图说明】
图1A为本发明技术的原理示意图；
图1B为交易数据与关联数据的示意图；
图2为本发明技术的流程示意图；
图3A为本发明单个终端收银产品的应用示意图；
图3B为本发明多个终端收银产品的应用示意图。
【实施方式】
下列实施例是对本发明的进一步解释和说明，对本发明不构成任何限制；
一种支持点对点非现金交易信息无障碍交互联接技术系统，该系统包括支持点对点交互联接技术的电子交易产品80、支持点对点交互联接技术的通信终端产品38及支持点对点交互联接技术的电子交易系统90，其特征在于；
如图1A所示，
所述电子交易产品80内置原始交易数据中央处理器801，设有受款方终端管理系统802,该受款方终端管理系统输出原始交易数据803A；
所述原始交易数据中央处理器801设置原始交易数据信息信号合成电路804，该合成电路把原始交易数据803A与关联数据12组合成原始交易数据信息信号01A；
如图1B所示，
所述关联数据12是电子交易产品设定的数位识别码(ID码),关联数据在原始交易数据803A的读数时间内，设置多次重复及循环发送；
图示含有1个信息内容，该原始交易数据的信息内容只需设有1个关联数据(即是1个电子地址数据)。
所述电子交易产品80附有短距离信号收发电路；
如图2所示，
所述通信终端产品38包括电子读数装置02及电子收发装置03；
所述电子读数装置附有短距离信号收发电路，所述短距离通信技术包括红外线、蓝牙等技术。
所述电子读数装置02设有原始交易数据接收电路21、原始交易数据分解电路22、付款方终端管理系统381及认可交易数据信息信号合成电路24；
所述原始交易数据接收电路21接收原始交易数据信息信号01A，通过原始交易数据分解电路22把原始交易数据信息信号01A分解为原始交易数据803A及关联数据12；
所述付款方终端管理系统381管控原始交易数据803A的认可，经认可后，设定为认可交易数据803B与分解后的关联数据12通过认可交易数据信息信号合成电路组合成认可交易数据信息信号01B，传送电子收发装置；
所述电子收发装置支持远程无线技术发送，所述远程无线技术包括GSM、CDMA、GPRS等技术。
所述电子收发装置设有认可交易数据接收电路31、认可交易数据发送电路32及含储存器的交易数据中央处理器33；
所述电子交易系统90与相关金融机构建立协议，支持终端收银产品内 置受款方终端管理系统与支持通信终端产品内置付款方终端管理系统使用其电子交易清算平台901进行结算。
所述电子收发装置主导控制分解交易数据信息信号收发，通过远程无线技术发送到外部支持点对点非现金交易交互联接的电子交易系统，通过户相关金融机构电子交易清算平台服务进行结算。
所述电子交易产品输出原始交易数据的读数时间是可调变设置，满足不同使用者的交易环境，可根据交易需求实际，可以调较短或较长的时间。
本发明通过支持点对点交互联接的智能手机，可随时、随地及随意地获取跨媒体产品信息的相关数据。
如公共服务机构、公众娱乐场所、饮食服务店及商店等均可应用，把营销手法与产品资源整合发挥到淋漓尽致，满足电子商务“技术+平台+模式”闭环的发展需求，促进全球电子商务的发展。
所述支持点对点非现金交易信息无障碍交互联接技术系统的通信终端产品38设有快捷键39。
本发明操作方法，付款方(消费者)使用通信终端产品(如智能手机等)在有效范围内，随意按关联“操作键”(启动点对点交互联接功能)，可从支持点对点交互联接的终端收银产品读取原始交易数据，终端收银产品附有显示屏，显示该原始交易数据，付款方(消费者)确认无误，再按“确认键”，快速完成整个交易操作流程。
所述电子交易系统与相关金融机构建立协议，支持付款方终端管理系统与受款方终端管理系统使用其电子交易清算平台服务进行结算。相关金融机构可是银行机构，或者是非银行支付机构网络的电子交易清算平台服务。
所述电子交易系统90的电子交易清算平台收到付款方终端管理系统发送的认可交易数据信息信号01B请求指令，支持完成付款方终端管理系统与受款方终端管理系统的交收手续，把交易结果回传到受款方终端管理系 统。
为防止假冒的伪电子交易系统，本发明提供双向认证，提升付款方的电子交易使用安全系数。
所述付款方终端管理系统与电子交易系统90的电子交易清算平台实施操作前，设定终端用户密码97。
所述电子交易系统90的电子交易清算平台收到付款方终端管理系统发送的认可交易数据信息信号01B请求指令，该电子交易系统90的电子交易清算平台回传与付款方终端管理系统设定的终端用户密码；
所述付款方终端管理系统回传终端客户确认码98，激活电子交易系统的相关操作程序启动，进行对应的交易流程手续。
本发明符合服务及国际保安标准。
以下是本发明的相关应用例。
应用例1，
所述电子交易产品是终端收银机81；
所述终端收银机81内置原始交易数据中央处理器801，设有受款方终端管理系统802,该受款方终端管理系统输出原始交易数据803A，该原始交易数据通过相关的显示装置显示；
所述原始交易数据中央处理器801设置原始交易数据信息信号合成电路804，该合成电路把原始交易数据803A与关联数据12组合成原始交易数据信息信号01A；
所述关联数据12是终端收银机设定的数位识别码(ID码),关联数据在原始交易数据803A的读数时间内，设置多次重复及循环发送；
所述终端收银机附有短距离信号收发电路；
所述电子读数装置设有原始交易数据接收电路、原始交易数据分解电路、付款方终端管理系统381及认可交易数据信息信号合成电路24的模块及电子收发装置设有的认可交易数据接收电路、认可交易数据发送电路及 含储存器的交易数据中央处理器的模块，嵌入具独立操作的通信终端产品；
所述电子读数装置附有短距离信号收发电路；
所述电子收发装置支持远程无线技术发送。
如图3A所示，单个终端收银产品应用示意图。
如快餐厅点餐服务，消费者完成1234.85元点餐后，快餐厅终端收银产品结算出1234.85元的原始交易数据(本发明把该结算出成交金额数据称为原始交易数据)，终端收银产品附有显示屏，可显示该原始交易数据，供消费者确认。
一、采用现有市场的二维码图案方案，需要四个操作步骤；
1、消费者需要打开二维码图案功能；
2、拍摄二维码图案(呈现付款方终端管理系统的帐目)；
3、消费者需要输入对应点餐的交易数据；
4、确定(完成)。
二、采用本发明技术方案，需要二个操作步骤；
1、消费者只要按快捷键(呈现付款方终端管理系统的帐目)；
2、确定(完成)。
本发明与二维码图案技术方案对比，原有产品功能没有改变，本发明效果明显优越，提升其操作准确性及便捷性。
应用例2，
所述电子交易产品是终端智能产品82；
所述终端智能产品82内置原始交易数据中央处理器801，设有受款方终端管理系统802,该受款方终端管理系统输出原始交易数据803A，该原始交易数据可以通过相关的显示装置显示；
所述原始交易数据中央处理器801设置原始交易数据信息信号合成电路804，该合成电路把原始交易数据803A与关联数据12组合成原始交易数据信息信号01A；
所述关联数据12是终端智能产品设定的数位识别码(ID码),关联数据在原始交易数据803A的读数时间内，设置多次重复及循环发送；
所述终端智能产品附有短距离信号收发电路；
所述电子读数装置设有原始交易数据接收电路、原始交易数据分解电路、付款方终端管理系统381及认可交易数据信息信号合成电路24的模块及电子收发装置设有的认可交易数据接收电路、认可交易数据发送电路及含储存器的交易数据中央处理器的模块，嵌入具独立操作的通信终端产品；
所述电子读数装置附有短距离信号收发电路；
所述电子收发装置支持远程无线技术发送。
如图3B所示，多个终端收银产品应用示意图。
如酒楼服务行业，所有消费者都要进行结算流程，采用本发明的终端智能产品，该终端智能产品设计为小型携带式，提供结算与非现金交易一系列支持，大大减少服务员工作量，释放更多劳动力(降低营运成本)。
注：本发明通过优化传统产业技术，促进传统产业与互联网技术深度融合，并存发展。
本发明与二维码图案方案读取关联数据的操作相比；
1、读取交易数据比二维码图案方案摄像转译读取更便捷和准确。
2、读取交易数据不需要受环境的光线条件影响。
3、读取交易数据距离可在半径十多米范围，而且非常稳定，而二维码图案方案在正常条件下，可操作范围大约在1米左右。
4、本发明代替二维码图案，可把影响产品的外观美感减低。
应用例3，
本发明应用于交通道路收费站(包括停车场收费站等)，该等收费站的服务对像是车辆，其操作条件：
1、结算系统，需要依据数据卡读出不同道路入口及不同收费级别车辆等数据后，收费系统输出相关的交易数据；
2、驾驶者依据该交易数据缴付费用，其缴付方法如下；
(1)缴付现金；
注1：操作费时及需用预备很多零钱找续。
注2：容易被假钞钻空子。
(2)电子付款卡(如智能手机的NFC功能、香港八达通、深圳通等)；
注3：该等收费站的服务对像是车辆，收费站台与车辆驾驶者有一定距离，不同种类车辆与收费站台是不同的距离，收银员要把相关电子读卡递给驾驶者面前，增加收银员的工作量和辛苦。
(3)二维码图案技术方案(如微信支付、支付宝等)；
注4：该等收费站的服务对像是车辆，收费站台与车辆驾驶者有一定距离，不同种类车辆与收费站台是不同的距离，车辆驾驶者与收费站台的二维码有一定距离，令车辆驾驶者扫描的准确性降低，或者二维码图案受到外部条件影响(如图案脱色、图案受损等)，增加其操作难度。
注5：采用本发明技术，完成结算后的原始交易数据呈现在受款方(车辆驾使者)终端管理系统的显示屏，车辆驾驶者单一按智能手机“快捷键”，该智能手机屏幕即呈现相同缴纳费用的交易数据，车辆驾驶者再按“确认键”，就完成相关缴纳费用的交易流程。
应用例4，
所述电子交易产品是POS终端机83；
所述POS终端机83内置原始交易数据中央处理器801，设有受款方终端管理系统802,该受款方终端管理系统381输出原始交易数据803A，该原始交易数据可以通过相关的显示装置显示；
所述原始交易数据中央处理器801设置原始交易数据信息信号合成电路804，该合成电路把原始交易数据803A与关联数据12组合成原始交易数据信息信号01A；
所述关联数据12是POS终端机设定的数位识别码(ID码),关联数据 在原始交易数据803A的读数时间内，设置多次重复及循环发送；
所述POS终端机附有短距离信号收发电路；
所述电子读数装置设有原始交易数据接收电路、原始交易数据分解电路、付款方终端管理系统381及认可交易数据信息信号合成电路24的模块及电子收发装置设有的认可交易数据接收电路、认可交易数据发送电路及含储存器的交易数据中央处理器的模块，嵌入具独立操作的通信终端产品；
所述电子读数装置附有短距离信号收发电路；
所述电子收发装置支持远程无线技术发送。
POS终端机83采用本发明技术后，完成结算后的原始交易数据呈现在受款方终端管理系统的显示屏，消费者单一按智能手机的“快捷键”，智能手机屏幕也呈现相同缴纳费用数据，消费者再按“确认键”，就完成相关缴纳费用的交易流程，可提高信用卡(或电子付款卡)的使用安全系数。
应用例5，
所述电子交易产品是数字显示终端机84；
所述数字显示终端机内置原始交易数据中央处理器801，设有受款方终端管理系统802,该受款方终端管理系统输出原始交易数据803A，该原始交易数据可以通过相关的显示装置显示；
所述原始交易数据中央处理器801设置原始交易数据信息信号合成电路804，该合成电路把原始交易数据803A与关联数据12组合成原始交易数据信息信号01A；
所述关联数据12是数字显示终端机设定的数位识别码(ID码),关联数据在原始交易数据803A的读数时间内，设置多次重复及循环发送；
所述数字显示终端机附有短距离信号收发电路；
所述电子读数装置设有原始交易数据接收电路、原始交易数据分解电路、付款方终端管理系统381及认可交易数据信息信号合成电路24的模块及所述电子收发装置设有的认可交易数据接收电路、认可交易数据发送电 路及含储存器的交易数据中央处理器的模块，嵌入具独立操作的通信终端产品；
所述电子读数装置附有短距离信号收发电路；
所述电子收发装置支持远程无线技术发送。
本应用例的数字显示终端机支持电表数据上传、电表健康分析、电表状态服务及工作任务服务等功能。
如应用于供电公司的用户电表记录，大大提升供电公司抄表员的工作效率，达到降低营运成本。
现有市场支持非现金交易二维码图形技术方案及NFC等技术方案，视障人仕无法操作，或者很难操作。
全球约有四千万视障人士；
所述电子交易产品设置语音系统,输出的原始交易数据同步转为语音随机播放，视障人士也可以操作使用。
参阅上述相关的应用例，本发明与市场相关技术解决方案及产品方案对比，无论使用操作、制作成本及效果都明显优越。本发明将会影响商业链条的所有环节，及创造出全新形态的商业模式和价值链。
尽管通过以上实施例对本发明进行了揭示，但是本发明的范围并不局限于此，在不偏离本发明构思的条件下，以上各构件可用所属技术领域人员了解的相似或等同元件来替换。

Claims (11)

  1. 一种支持点对点非现金交易信息无障碍交互联接技术系统，该系统包括支持点对点交互联接技术的电子交易产品(80)、支持点对点交互联接技术的通信终端产品(38)及支持点对点交互联接技术的电子交易系统(90)，其特征在于；
    所述电子交易产品(80)内置原始交易数据中央处理器(801)，设有受款方终端管理系统(802),该受款方终端管理系统输出原始交易数据(803A)；
    所述原始交易数据中央处理器(801)设置原始交易数据信息信号合成电路(804)，该合成电路把原始交易数据(803A)与关联数据(12)组合成原始交易数据信息信号(01A)；
    所述关联数据(12)是电子交易产品设定的数位识别码(ID码),关联数据在原始交易数据(803A)的读数时间内，设置多次重复及循环发送；
    所述电子交易产品(80)附有短距离信号收发电路；
    所述通信终端产品(38)包括电子读数装置(02)及电子收发装置(03)；
    所述电子读数装置附有短距离信号收发电路；
    所述电子读数装置(02)设有原始交易数据接收电路(21)、原始交易数据分解电路(22)、付款方终端管理系统(381)及认可交易数据信息信号合成电路(24)；
    所述原始交易数据接收电路(21)接收原始交易数据信息信号(01A)，通过原始交易数据分解电路(22)把原始交易数据信息信号(01A)分解为原始交易数据(803A)及关联数据(12)；
    所述付款方终端管理系统(381)管控原始交易数据(803A)的认可， 经认可后，设定为认可交易数据(803B)与分解后的关联数据(12)通过认可交易数据信息信号合成电路组合成认可交易数据信息信号(01B)，传送电子收发装置；
    所述电子收发装置支持远程无线技术发送；
    所述电子收发装置设有认可交易数据接收电路(31)、认可交易数据发送电路(32)及含储存器的交易数据中央处理器(33)；
    所述电子交易系统(90)与相关金融机构建立协议，支持终端收银产品内置受款方终端管理系统与支持通信终端产品内置付款方终端管理系统使用其电子交易清算平台(901)进行结算。
  2. 如权利要求1所述的支持点对点非现金交易信息无障碍交互联接技术系统，其特征在于；
    所述电子交易产品输出原始交易数据的读数时间是可调变设置。
  3. 如权利要求1所述的支持点对点非现金交易信息无障碍交互联接技术系统，其特征在于；
    所述支持点对点非现金交易信息无障碍交互联接技术系统的通信终端产品(38)设有快捷键(39)。
  4. 如权利要求1所述的支持点对点非现金交易信息无障碍交互联接技术系统，其特征在于；
    所述电子交易系统(90)的电子交易清算平台收到付款方终端管理系统发送的认可交易数据信息信号(01B)请求指令，支持完成付款方终端管理系统与受款方终端管理系统的交收手续，把交易结果回传到受款方终端管理系统。
  5. 如权利要求1所述的支持点对点非现金交易信息无障碍交互联接技术系统，其特征在于；
    所述付款方终端管理系统与电子交易系统(90)的电子交易清算平台实施操作前，设定终端用户密码(97)。
  6. 如权利要求5所述的支持点对点非现金交易信息无障碍交互联接技术系统，其特征在于；
    所述电子交易系统(90)的电子交易清算平台收到付款方终端管理系统发送的认可交易数据信息信号(01B)请求指令，该电子交易系统(90)的电子交易清算平台回传与付款方终端管理系统设定的终端客户密码；
    所述付款方终端管理系统回传终端客户确认码(98)，激活电子交易系统的相关操作程序启动，进行对应的交易流程手续。
  7. 如权利要求1所述的支持点对点非现金交易信息无障碍交互联接技术系统，其特征在于；
    所述电子交易产品是终端收银机(81)；
    所述终端收银机(81)内置原始交易数据中央处理器(801)，设有受款方终端管理系统(802),该受款方终端管理系统输出原始交易数据(803A)，该原始交易数据通过相关的显示装置显示；
    所述原始交易数据中央处理器(801)设置原始交易数据信息信号合成电路(804)，该合成电路把原始交易数据(803A)与关联数据(12)组合成原始交易数据信息信号(01A)；
    所述关联数据(12)是终端收银机设定的数位识别码(ID码),关联数据在原始交易数据(803A)的读数时间内，设置多次重复及循环发送；
    所述终端收银机附有短距离信号收发电路；
    所述电子读数装置设有原始交易数据接收电路、原始交易数据分解电路、付款方终端管理系统(381)及认可交易数据信息信号合成电路(24)的模块及电子收发装置设有的认可交易数据接收电路、认可交易数据发送电路及含储存器的交易数据中央处理器的模块，嵌入具独立操作的通信终端产品；
    所述电子读数装置附有短距离信号收发电路；
    所述电子收发装置支持远程无线技术发送。
  8. 如权利要求1所述的支持点对点非现金交易信息无障碍交互联接技术系统，其特征在于；
    所述电子交易产品是终端智能产品(82)；
    所述终端智能产品(82)内置原始交易数据中央处理器(801)，设有受款方终端管理系统(802),该受款方终端管理系统输出原始交易数据(803A)，该原始交易数据通过相关的显示装置显示；
    所述原始交易数据中央处理器(801)设置原始交易数据信息信号合成电路(804)，该合成电路把原始交易数据(803A)与关联数据(12)组合成原始交易数据信息信号(01A)；
    所述关联数据(12)是终端智能产品设定的数位识别码(ID码),关联数据在原始交易数据(803A)的读数时间内，设置多次重复及循环发送；
    所述终端智能产品附有短距离信号收发电路；
    所述电子读数装置设有原始交易数据接收电路、原始交易数据分解电路、付款方终端管理系统(381)及认可交易数据信息信号合成电路(24)的模块及电子收发装置设有的认可交易数据接收电路、认可交易数据发 送电路及含储存器的交易数据中央处理器的模块，嵌入具独立操作的通信终端产品；
    所述电子读数装置附有短距离信号收发电路；
    所述电子收发装置支持远程无线技术发送。
  9. 如权利要求1所述的支持点对点非现金交易信息无障碍交互联接技术系统，其特征在于；
    所述电子交易产品是POS终端机(83)；
    所述POS终端机(83)内置原始交易数据中央处理器(801)，设有受款方终端管理系统(802),该受款方终端管理系统输出原始交易数据(803A)，该原始交易数据通过相关的显示装置显示；
    所述原始交易数据中央处理器(801)设置原始交易数据信息信号合成电路(804)，该合成电路把原始交易数据(803A)与关联数据(12)组合成原始交易数据信息信号(01A)；
    所述关联数据(12)是POS终端机设定的数位识别码(ID码),关联数据在原始交易数据(803A)的读数时间内，设置多次重复及循环发送；
    所述POS终端机附有短距离信号收发电路；
    所述电子读数装置设有原始交易数据接收电路、原始交易数据分解电路、付款方终端管理系统(381)及认可交易数据信息信号合成电路(24)的模块及电子收发装置设有的认可交易数据接收电路、认可交易数据发送电路及含储存器的交易数据中央处理器的模块，嵌入具独立操作的通信终端产品；
    所述电子读数装置附有短距离信号收发电路；
    所述电子收发装置支持远程无线技术发送。
  10. 如权利要求1所述的支持点对点非现金交易信息无障碍交互联接技术系统，其特征在于；
    所述电子交易产品是数字显示终端机(84)；
    所述数字显示终端机(84)内置原始交易数据中央处理器(801)，设有受款方终端管理系统(802),该受款方终端管理系统输出原始交易数据(803A)，该原始交易数据通过相关的显示装置显示；
    所述原始交易数据中央处理器(801)设置原始交易数据信息信号合成电路(804)，该合成电路把原始交易数据(803A)与关联数据(12)组合成原始交易数据信息信号(01A)；
    所述关联数据(12)是数字显示终端机设定的数位识别码(ID码),关联数据在原始交易数据(803A)的读数时间内，设置多次重复及循环发送；
    所述数字显示终端机附有短距离信号收发电路；
    所述电子读数装置设有原始交易数据接收电路、原始交易数据分解电路、付款方终端管理系统(381)及认可交易数据信息信号合成电路(24)的模块及所述电子收发装置设有的认可交易数据接收电路、认可交易数据发送电路及含储存器的交易数据中央处理器的模块，嵌入具独立操作的通信终端产品；
    所述电子读数装置附有短距离信号收发电路；
    所述电子收发装置支持远程无线技术发送。
  11. 如权利要求7、8、9,10所述的支持点对点非现金交易信息无障碍交互联接技术系统，其特征在于；
    所述电子交易产品设置语音系统,输出的原始交易数据同步转为语音随机播放。
PCT/CN2018/111562 2017-10-24 2018-10-24 支持点对点非现金交易信息无障碍交互联接技术系统 WO2019080853A1 (zh)

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CN102685073A (zh) * 2011-03-11 2012-09-19 中国移动通信集团公司 安全支付方法和移动终端
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