WO2019114782A1 - 云端生物识别支付及零售管理系统和支付方法 - Google Patents

云端生物识别支付及零售管理系统和支付方法 Download PDF

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Publication number
WO2019114782A1
WO2019114782A1 PCT/CN2018/120793 CN2018120793W WO2019114782A1 WO 2019114782 A1 WO2019114782 A1 WO 2019114782A1 CN 2018120793 W CN2018120793 W CN 2018120793W WO 2019114782 A1 WO2019114782 A1 WO 2019114782A1
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WIPO (PCT)
Prior art keywords
cloud
payment
pos terminal
terminal device
server
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PCT/CN2018/120793
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English (en)
French (fr)
Inventor
徐明德
Original Assignee
徐明德
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 徐明德 filed Critical 徐明德
Priority to US16/496,436 priority Critical patent/US20210110401A1/en
Priority to KR2020197000067U priority patent/KR200494213Y1/ko
Priority to JP2019600174U priority patent/JP3227479U/ja
Priority to SG11201909397Y priority patent/SG11201909397YA/en
Publication of WO2019114782A1 publication Critical patent/WO2019114782A1/zh

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Classifications

    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
    • 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]

Definitions

  • the present disclosure relates to the field of electronic payment, and in particular, to a cloud biometric payment and retail management system and a payment method.
  • the user In order to improve security, in the process of online payment, the user often performs payment verification according to the SMS reminder that receives the verification code, and the verification code also ensures the security of the entire payment process because of its variability.
  • SMS reminder there is a big flaw in using SMS reminder, that is, it is impossible to judge whether the user is watching it. That is to say, after the bank sends the information, it cannot be sure whether the user himself or she receives the information, even if the user himself receives the information.
  • Biometric features (such as fingerprints, facial features, and irises of the eyes) are widely used as standard technologies for smart terminals, and are widely used in unlocking, waking up, and mobile payment of smart terminals.
  • the biometric payment function can not only overcome the drawbacks that digital passwords are easily stolen, but also has the advantage of quick input. But for large or large transactions, the security of a payment verification method is not enough.
  • the purpose of the present disclosure is to provide a biometric payment and retail management system and payment method for the deficiencies of the prior art.
  • a cloud biometric payment and retail management system includes a POS terminal device configured to enable a cash register service, a cloud ERP server, and a cloud payment gateway server, the cloud ERP server and the cloud payment gateway server are connected, and the POS terminal device includes an Android operation installed.
  • the front end of the system and the back end of the Linux operating system are installed, the front end is connected with the cloud ERP server, the back end is connected with the cloud payment gateway server, and the back end is provided with a password input device and a biometric collection and verification device.
  • the cloud payment gateway server is associated with a server and a biological database corresponding to the financial institution, and the cloud payment gateway server receives the transaction information sent by the POS terminal device, the password information input by the password input device, and the biological
  • the biometric information is checked based on the biometric database, and after the collation is matched, the transaction information and the password information are sent to a server corresponding to the financial institution for approval
  • the server corresponding to the financial institution performs a payment transaction and generates transaction data when the approval result is a pass
  • the cloud payment gateway server obtains the approval result and the transaction data of the financial institution, and feeds back to the front end of the POS terminal device.
  • the POS terminal device when receiving the batch result and the transaction data fed back by the cloud payment gateway server, the POS terminal device sends the transaction data to the cloud ERP server, and the cloud ERP server is based on the transaction data. Update the product/service data.
  • the management system further includes an electric money box and a power supply module for supplying power to the front end and the back end, and the electric money box and the power supply module are respectively electrically connected to the POS terminal device.
  • the POS terminal includes a network interface, a memory, a storage space, a control interface, and a microprocessor.
  • the front end is connected to the cloud ERP server through a 4G/LTE modem, WI-FI, Bluetooth, and/or Ethernet, and the cloud ERP server connection is connected to the merchant.
  • the POS terminal device is connected to the two-dimensional code/three-dimensional code scanner, the front-end ticket issuing machine, the front-end printer, the labeling machine, the tablet and/or the external memory through the USB controller, and the POS terminal device passes the Bluetooth.
  • Bluetooth Connect to a la carte machine, wireless QR code/3D code scanner and/or wireless menu.
  • the back end is connected to the cloud payment gateway server through a 4G/LTE modem, WI-FI, Bluetooth, and/or Ethernet.
  • the POS terminal device comprises a body and a cashier-end contact display screen facing the cashier, and the cash register-end contact display screen is fixed on the body by a hinge.
  • the POS terminal further includes a high-definition surveillance lens, and the hinge is provided with a rotating member, and the high-definition monitoring lens is mounted on the rotating member.
  • the biometrics collection verification device includes a face recognition display screen for the customer, a face recognition high resolution camera lens, a high definition camera lens for face recognition or palmprint recognition, a first voiceprint recognition radio, a second voiceprint recognition radio, a far infrared ray emitter, a far infrared ray imaging lens, a hand fingerprint recognition scanner, and/or a finger vein scanner
  • the POS terminal device further comprising a customer-facing customer contact display screen
  • the customer The end contact type display screen is fixed on the body by a movable hinge, the face recognition display screen, the face recognition high resolution camera lens, the face recognition or palmprint recognition high definition camera lens, the far An infrared emitter, the far infrared imaging lens, the first voiceprint recognition sounder, and the second voiceprint recognition sound receiver are respectively disposed on the body through a rotating member, the hand fingerprint recognition scanner and/or the finger vein The scanner is placed on top of the POS terminal device.
  • the password input device includes an NFC and a Bluetooth sensor, a two-dimensional code/three-dimensional code scanner, NFC and RFID sensing, the NFC and Bluetooth sensor, the two-dimensional code/three-dimensional code scanner and the The NFC and RFID sensors are disposed on top of the POS terminal device.
  • the POS terminal device further includes a power switch, a power line inlet, an Ethernet network cable inlet, a built-in speaker, and an external USB plug, wherein the built-in speaker is disposed at a side of the POS terminal device;
  • the entrance, the Ethernet network line access port, the power switch, and the external USB plug are disposed at the bottom of the POS terminal device.
  • the front end control interface is respectively connected with the customer contact display screen, the face recognition high resolution camera lens and the built-in speaker to control the customer contact display screen and the face recognition high resolution camera lens. And the working state of the built-in speaker.
  • the radio, the far-infrared transmitter, the far-infrared camera lens, and the built-in speaker are electrically connected, respectively.
  • a payment method is applied to the cloud biometrics and retail management system described above, the method comprising:
  • the POS terminal device receives the product/service data and the corresponding quantity input by the customer or the cashier, and obtains price information corresponding to the product/service data from the cloud ERP server, based on the price information, the product/service data, and the corresponding quantity. Generating transaction information including the transaction amount, and transmitting the transaction information to the cloud payment gateway server;
  • the cloud payment gateway server sends an electronic wallet input instruction and a biometric input instruction to the POS terminal device based on the transaction information;
  • the POS terminal device receives password information input by the customer through the password input device based on the electronic wallet input instruction, and biometric information input by the customer through the biometrics collection verification device based on the biometric input instruction, and feeds back to the cloud payment gateway server. ;
  • the cloud payment gateway server checks the biometric information based on the associated biometric database, and after the verification is passed, sends the transaction information and the password information to a server corresponding to the financial institution for approval to make the financial institution
  • the corresponding server performs a payment transaction and generates transaction data when the approval result is passed;
  • the cloud payment gateway server obtains the batch result and the transaction data of the server corresponding to the financial institution, and feeds back to the front end of the POS terminal device.
  • the method further includes:
  • the cloud ERP server updates the product/service data based on the transaction data.
  • the method further includes:
  • the POS terminal device obtains product/service data from the cloud ERP server.
  • the present disclosure provides a cloud biometrics and retail management system and payment method, including a POS terminal device, a cloud ERP server, and a cloud payment gateway server.
  • the POS terminal device includes a front end installed with an Android operating system and a Linux operating system installed. The front end is connected to the cloud ERP server, and the back end is provided with a password input device and a biometrics collection and verification device.
  • the beneficial effect is that the biometrics technology is used for secondary authentication of mobile electronic payment, and even the mobile phone is used as a medium to directly use the biometrics as a payment scheme, so as to realize the crime prevention scheme by using the biometric payment scheme in the payment verification process. The efficiency of the case.
  • ERP is the abbreviation of Enterprise Resource Planning. It refers to the establishment of information technology, the combination of information technology and advanced management ideas, and the management of enterprise employees and decision-making layers. platform.
  • NFC is a short-range wireless communication technology.
  • RFID is a radio frequency identification technology.
  • CCTV and security systems are closed circuit television security monitoring systems.
  • the utility model discloses a cloud biometric payment and retail management system, the front end is an Android operating system, the back end is a Linux operating system, and the dual system functions.
  • the security is enhanced, and the cloudized operation ensures that no authorized person is present.
  • the customer data is not stored in the POS machine
  • the use of the dual system makes the data absolutely separable, and the biological database can use its own developed or updated computer language to prevent hackers without affecting the operation of the POS terminal device.
  • the POS terminal equipment service and the biological database can be split into two companies, each developed and managed, and the dual system settings enhance access compatibility.
  • the utility model discloses that a new generation of identity cards can be combined for use as a future SMART CITY is the cornerstone.
  • the cloud biometric payment and retail management system disclosed by the utility model can be used as a financial institution's own biometric path and approval tool.
  • the cloud biometric payment and retail management system disclosed by the utility model has a password input device and a biometrics collection and verification device at the same time, and aims to use the biometric identification technology to perform secondary authentication for mobile electronic payment.
  • mobile products such as mobile phones are not required for the media industry, but directly become a kind of mobile payment, biological payment.
  • the advantage is that it is difficult for hackers to steal and piece together data from multiple parties. In special cases, passengers can still make electronic payments without a mobile phone, bank card and credit card. Secondary certification provides reliable security for large or large transactions.
  • a payment plan with biometrics can prevent crime and improve the efficiency of the case.
  • FIG. 1 is a schematic flow chart of a cloud biometric payment and retail management system according to an embodiment of the present disclosure.
  • FIG. 2 is a schematic diagram of a schematic design of a cloud biometric payment and retail management system according to an embodiment of the present disclosure.
  • FIG. 3 is a schematic diagram of a detailed module design of a cloud biometric payment and retail management system according to an embodiment of the present disclosure.
  • FIG. 4 is a schematic diagram of an operational flow of a cloud biometric payment and retail management system according to an embodiment of the present disclosure.
  • FIG. 5 is a schematic perspective structural diagram of a POS terminal device according to an embodiment of the present disclosure.
  • FIG. 6 is another schematic perspective structural diagram of a POS terminal device according to an embodiment of the present disclosure.
  • FIG. 7 is a schematic perspective structural view of a side of a POS terminal device according to an embodiment of the present disclosure.
  • FIG. 8 is a schematic perspective view showing another perspective of a POS terminal device according to an embodiment of the present disclosure.
  • FIG. 9 is a block diagram of a cloud biometric payment and retail management system connection according to an embodiment of the present disclosure.
  • FIG. 10 is a schematic flowchart diagram of a payment method according to an embodiment of the present disclosure.
  • 1-face recognition display 2-face recognition high resolution camera lens; 3-face recognition or palmprint recognition with high-definition camera lens; 4-first voiceprint recognition radio; 5-second voiceprint recognition Radio receiver; 6-hand fingerprint scanner or finger vein scanner; 7-NFC and Bluetooth sensor; 8-QR code/3D code scanner; 9-NFC and RFID sensor; 10-client contact display Screen; 11-power switch; 12-active hinge; 13-built-in speaker; 14-external USB plug; 15- cash register contact display; 16-active HD monitor lens; 17- far infrared emitter; - far infrared camera lens; 19 - power line inlet; 20 - Ethernet cable access port; 100-POS terminal device; 200 - cloud ERP server 200; 300 - cloud payment gateway server.
  • the brief operation flow of the cloud biometrics payment and retail management system of the present embodiment is that the POS terminal device 100 acquires product/service data from the cloud ERP server 200, and the customer acquires transaction data from the POS terminal device 100. After confirming the transaction, use NFC/RFID/QR Code/Bluetooth/Biometric (Fingerprint/Palm/Voice/Face) certifies identity, POS terminal device 100 uses encrypted network connection to transmit customer data to cloud payment gateway server 300, and submits electronic transaction application After confirming that the transaction is successful, the POS terminal device 100 feeds back the transaction data to the cloud ERP server 200 via the network, prints the receipt, and completes the transaction.
  • NFC/RFID/QR Code/Bluetooth/Biometric Fingerprint/Palm/Voice/Face
  • the cloud biometric payment and retail management system of the embodiment includes a POS terminal device 100 configured to be capable of performing a cash register service, a cloud ERP server 200, and a cloud payment gateway server 300.
  • the cloud ERP server 200 is connected to the cloud payment gateway server 300, and the POS is connected.
  • the terminal device includes a front end installed with an Android operating system and a back end installed with a Linux operating system, the front end is connected with the cloud ERP server 200, the back end is connected with the cloud payment gateway server 300, and the back end is provided with a password input device and biometrics collection verification. Device.
  • the front end of the POS terminal device 100 refers to one end facing the client/consumer and is equipped with a front touch display screen; the back end refers to the financial oriented
  • the organization's server/storage biodatabase is configured to be capable of cashier operations and is also equipped with a rear touchscreen display.
  • the back-end Linux system is responsible for managing and connecting the client-facing touch screen and all identification input devices (including NFC, RFID, QRcode, fingerprint, voiceprint, face recognition) on the hardware, and uploading the obtained data to the cloud server. Pay the approval.
  • the software is mainly responsible for the client's touch screen password login program and advertisement playback system.
  • the front-end Android system is responsible for managing and connecting all operating devices (such as touch screens for cashiers, ticket machines, label machines, a la carte machines, etc.) on the hardware.
  • the software is mainly responsible for docking all application apps (such as take-out apps, Reservation apps, member apps, vendor apps) and cloud services (such as accounting services and financial services).
  • the client/consumer can complete the payment as long as there is a functional device with NFC and payment code.
  • the cloud biometric payment and retail management system of the embodiment has a front end for the Android operating system and a back end for the Linux operating system. The dual system functions. First, the security is enhanced, and the cloudized operation ensures that no authorized person is present.
  • the use of the dual system makes the data absolutely separable, and the biological database can use the self-developed or updated computer language to prevent hackers in the future without affecting the POS terminal device 100.
  • the management system of this embodiment can incorporate a new generation of identity cards as a cornerstone for future smart cities.
  • the cloud biometric payment and retail management system of the present disclosure can be used as a financial institution's own collection of biometric pathways and approval tools.
  • the POS terminal device 100 acquires the product/service data from the cloud ERP server 200, and the cloud payment gateway server 300 receives the information.
  • the transaction information sent by the POS terminal device 100, the password information input by the password input device, and the biometric information obtained by the biometrics collection verification device are described, the biometric information is checked based on the biological database, and the verification is consistent.
  • the cloud payment gateway server 300 obtains the approval result and transaction data of the financial institution, and feeds back to the front end of the POS terminal device 100.
  • the transaction information includes information of a target product/target service data selected by the user from the product/service data.
  • ERP enterprise resource plan
  • Enterprise The abbreviation of Resource Planning refers to a management platform based on information technology, integrating information technology and advanced management ideas, and providing decision-making means for employees and decision-making layers with systematic management ideas.
  • the POSS terminal device further includes a power supply module including an electric money box for supplying power to the front end and the back end, and Android operation.
  • the system includes network interface, memory, storage space, control interface and microprocessor. Other external devices will be explained below.
  • the Linux operating system also includes network interface, memory, storage space, control interface and microprocessor. Other external devices will be As explained below, the front end includes the client and the merchant, and the back end is connected to the SVF (Hong Kong stored value payment instrument license) licensee, financial institution and biometric database.
  • SVF Long Kong stored value payment instrument license
  • the front end can be connected to the cloud ERP server 200 through one or more of a 4G/LTE modem, WI-FI, Bluetooth, or Ethernet.
  • WI-FI can be used.
  • the client of the POS terminal device 100 passes the USB controller and the QR code/3D code scanner (scan code gun), the front desk ticket printer, the front desk printer, the label printer, the tablet or the external memory.
  • QR code/3D code scanner scanner
  • the client of the POS terminal device 100 can also use Bluetooth and a la carte, a wireless QR code/three-dimensional code scanner (wireless scan code gun), and a wireless meal. Card connection.
  • the cloud ERP server 200 when connected to the POS terminal device 100, it can constitute a kitchen and water bar ordering system, an ordering and reservation system, a waiting and reservation system, a member and customer service system, a takeaway system, an accounting and inventory system, Supply a variety of POS download and use systems, online use systems that supply a variety of POS machines, advertising and notification management systems, internal chat network and employee management systems, Internet of Things and energy management systems, logistics management systems, supply chain management systems.
  • CCTV is a safety system that is a closed-circuit television security monitoring system.
  • the customer inputs the product/service data on the POS terminal device 100, and inputs the quantity
  • the POS terminal device 100 acquires the product data from the cloud ERP server 200, and then generates a transaction item calculation total, and displays the transaction data on the POS terminal device 100.
  • the merchant issues a ticket at the POS terminal device 100 and makes a payment/transfer request to the cloud payment gateway server 300;
  • the cloud payment gateway server 300 After receiving the request, the cloud payment gateway server 300 issues an instruction to request the customer to input the electronic wallet data and the biometric data (fingerprint/palm pattern/soundprint/face);
  • the customer inputs the electronic wallet data and the biometric data on the POS terminal device 100, and submits the electronic payment service;
  • the cloud payment gateway server 300 After receiving the electronic wallet data and the biometric data, the cloud payment gateway server 300 submits the biometrics database for verification, and then submits the information to the financial institution's server for approval;
  • the cloud payment gateway server 300 will send a notification to the merchant and the customer, and the cloud ERP server 200 prints the receipt;
  • the POS terminal device 100 includes a body and a cashier-contact display screen 15 for the cashier, a movable high-definition surveillance lens 16, and a cashier-end contact display screen 15
  • the movable hinge 12 is fixed on the body, and the movable hinge 12 on the rear end side is provided with a rotatable member, and the movable high-definition monitoring lens 16 is mounted on the rotatable member; the POS terminal device 100 further includes a face recognition display facing the client.
  • the customer contact display screen 10 is fixed on the body by the movable hinge 12, the face recognition display screen 1, the face recognition high resolution camera lens 2, the face recognition or the palmprint recognition HD camera lens 3, the first sound Pattern recognition radio 4 and the second voiceprint recognition sounder 5, the far infrared ray emitter 17 and the far infrared ray imaging lens 18 are disposed on the rotatable member, the hand fingerprint recognition scanner or the finger vein scanner 6, the NFC and the Bluetooth sensor 7, 2D
  • the code/three-dimensional code scanner 8 and the NFC and RFID sensor 9 are disposed at the top of the POS terminal device 100; the POS terminal device 100 further includes a
  • the network cable access port 20, the power switch 11, the power line inlet 19, the Ethernet network cable inlet 20, and the external USB plug 14 are disposed at the bottom of the POS terminal device 100 or near the side of the cash register contact display. More convenient to use, the built-in speaker 13 is disposed on the side of the POS terminal device 100.
  • control interface of the front end is in contact with the client-side touch screen 10, the face recognition high resolution camera lens 2, and the built-in speaker 13.
  • the back end is connected to the cloud payment gateway server 300 through one or more of a 4G/LTE modem, WI-FI, Bluetooth, or Ethernet to control the customer contact display 10,
  • the face recognition high resolution image pickup lens 2 and the built-in speaker 13 operate.
  • the cloud payment gateway server 300 is connected to the financial institution's server and biodatabase.
  • the voiceprint recognition sounder 5 and the built-in speaker 13 are electrically connected to control their working states, respectively.
  • a payment method applicable to the cloud biometric payment and retail management system described above is used in the present embodiment.
  • the payment method is applied to the cloud biometric payment and retail management system, the following steps are implemented:
  • Step S110 The POS terminal device 100 receives the product/service data and the corresponding quantity input by the customer or the cashier, and acquires the price information corresponding to the product/service data from the cloud ERP server 200, based on the price information, the product/service.
  • the data and the corresponding quantity generate transaction information including the transaction amount, and the transaction information is transmitted to the cloud payment gateway server 300.
  • Step S120 The cloud payment gateway server 300 sends an electronic wallet input instruction and a biometric input instruction to the POS terminal device 100 based on the transaction information.
  • Step S130 the POS terminal device 100 receives the password information input by the customer through the password input device based on the electronic wallet input instruction, and the biometric information input by the customer through the biometrics collection verification device based on the biometric input instruction, and feeds back to the Cloud Payment Gateway Server 300.
  • Step S140 The cloud payment gateway server 300 checks the biometric information based on the associated biometric database, and after the verification is passed, sends the transaction information and the password information to a server corresponding to the financial institution for approval.
  • the server corresponding to the financial institution is made to perform a payment transaction and generate transaction data when the approval result is passed.
  • Step S150 The cloud payment gateway server 300 obtains the batch result and the transaction data of the server corresponding to the financial institution, and feeds back to the front end of the POS terminal device 100.
  • the method before performing step S110, the method further includes: the POS terminal device 100 acquiring product/service data from the cloud ERP server 200.
  • the type and quantity of product/service data acquired from the cloud ERP server 200 should be greater than or equal to the product/service data and corresponding types and quantities input by the customer or the cashier.
  • the method further includes:
  • the POS terminal device 100 transmits the transaction data to the cloud ERP server 200.
  • the cloud ERP server 200 updates the product/service data based on the transaction data.
  • the information of the cloud ERP server 200 is updated in real time, thereby ensuring the accuracy of the type and quantity of product/service data acquired from the cloud ERP server 200 in the subsequent transaction process, thereby ensuring the reliability of the transaction.
  • the back end is simultaneously provided with a password input device and a biometrics collection and verification device
  • the biometrics collection and verification device is the above-mentioned face recognition display screen 1 and face recognition high resolution camera.
  • One or more of the 17 or far infrared camera lenses 18 are intended to be used for secondary authentication of mobile electronic payments using biometrics.
  • Even mobile products such as mobile phones are not required for the media industry, but directly become a kind of mobile payment, biological payment.
  • the advantage is that it is difficult for hackers to steal and piece together data from multiple parties. In special cases, passengers can still make electronic payments without a mobile phone, bank card and credit card. Secondary certification provides reliable security for large or large transactions.
  • a payment plan with biometrics can prevent crime and improve the efficiency of the case.

Abstract

一种云端生物识别支付及零售管理系统和支付方法，该系统包括POS终端设备（100）、云端ERP服务器（200）和云端付款网管服务器（300），POS终端设备（100）包括安装有Android操作系统的前端和安装有Linux操作系统的后端，前端与云端ERP服务器（200）连接，后端设置有密码输入装置和生物特征采集验证装置。其有益效果包括：前端为Android操作系统，后端为Linux操作系统，双系统的作用，一是加强安全性；二是双系统的设置增强了对生物特征数据库的兼容性。三是可得到不同机构，甚至政府的信任和核证。后端设置有码输入装置和生物特征采集验证装置，以利用生物特征识别技术作二次认证，甚至不用手机作媒介直接用生物特征作进行支付，以通过支付验证过程中包含生物特征的支付方案可防止罪案及提高破案效率。

Description

云端生物识别支付及零售管理系统和支付方法
本申请要求于2017年12月14日提交中国香港特别行政区专利注册处的申请号为17113362.4，名称为“一种云端生物识别支付及零售管理系统”的香港短期专利申请的优先权；以及于2018年3月12日提交中国专利局的申请号为201820329829.X，名称为“一种云端生物识别支付及零售管理系统”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本公开涉及电子支付领域，特别涉及一种云端生物识别支付及零售管理系统和支付方法。
 背景技术
继游戏、娱乐之后，移动电子商务被认为是移动互联网未来最重要的爆发点之一。目前，大量企业密集进入移动支付市场，在移动互联网市场跑马圈地。移动支付的安全性一直是移动电子商务中所面临的严峻问题。目前的POS设备七成以上使用的Windows操作系统，两成以上使用的是Android操作作系统，不足一成是使用Linux操作系统，Linux操作系统使用较低的主要原因是开发成本高，只有大公司才有能力使用。
随着智能化时代及移动电子商务的快速发展，移动终端如智能手机和平板电脑已经被广泛用来完成电子商务中的支付操作。越来越多的人们出门不带钱包，直接使用手机支付，但是，首先、现有的支付方式的安全隐患较大，在公众场合使用手机进行支付，容易被行人等盗取密码；同时简单的6位数字支付密码等极易被盗取；一旦支付载体(手机，电脑)遗失，将会给支付人带来巨大损失；再者、现有的支付形式单一，客户支付体验不佳。
为了提高安全性，用户在进行网上支付的过程中，目前往往会根据接收到验证码的短信提醒来进行支付验证，而验证码也因为其变动性保证了整个支付过程的安全性。但采用短信提醒有个很大的缺陷，就是无法判断是否是用户本人在看，也就是说银行发了信息后，无法确保是否是用户本人收到信息，即使是用户本人收到信息，还会存在不法分子利用各种手段套取用户手里的验证码，或用户误登录了钓鱼网站，导致手机中了木马病毒，验证码的信息被远程窃取等问题，这无疑会影响用户的使用体验。因此，如何能够防止终端中的验证信息被恶意窃取，进一步提高网上支付的安全性成为亟待解决的技术问题。
生物特征(如指纹、面部特征和眼睛虹膜等)识别技术作为智能终端的标配技术，被广泛应用于智能终端的解锁、唤醒及移动支付中。尤其生物特征支付功能，不仅可以克服数字密码容易被窃取的弊端，而且具有输入快捷的优势。但是对于大额或超大额交易来说，一种支付验证的方式的安全性还是不够的。
通过二次认证来增加电子支付的安全性是大趋势，目前电子支付太依赖手机，单一验证方式会引致安全性出现问题，人口老化使利用手机作电子支付推行困难。因此，儿童及老人消费，手机帮不上忙，可完全使用生物特征作支付取代手机作媒介。无论手机的指纹技术和人脸识别技术有多高，在金融服务公司眼中都是没有用的动心，因为手机的识别功能是不能得到金融机构的许可。手机有不同牌子和不同级数，形成没有一个统一标准作认证，硬件不能统一就等同没有法律效力。其次是如何收集消费者的生物特征，相同情况，不能以不同款式的手机作收集媒介。解决方法只有金融机构有自己的收集生物特征途径和批核工具。
综上，提供一种安全性高、操作简单、高智能化的一种云端生物识别支付及零售管理系统，是本公开的创研动机。
 技术问题
本公开的目的是针对现有技术的不足，提供一种生物识别支付及零售管理系统和支付方法。
本公开的目的在于提供一种可应用于上述生物识别支付及零售管理系统的支付方法。
 技术解决方案
本公开的实施例通过以下技术方案实现：
一种云端生物识别支付及零售管理系统，包括配置成能够进行收银服务的POS终端设备、云端ERP服务器和云端付款网关服务器，云端ERP服务器与云端付款网关服务器连接，POS终端设备包括安装有Android操作系统的前端和安装有Linux操作系统的后端，前端与云端ERP服务器连接，后端与云端付款网关服务器连接，后端设置有密码输入装置和生物特征采集验证装置。
进一步的，所述云端付款网关服务器关联有金融机构对应的服务器和生物数据库，所述云端付款网关服务器在接收到所述POS终端设备发送的交易信息、所述密码输入装置输入的密码信息以及生物特征采集验证装置获得的生物特征信息时，基于所述生物数据库对所述生物特征信息进行核对，并在核对一致后将所述交易信息和密码信息发送至金融机构对应的服务器以进行批核，以使该金融机构对应的服务器在批核结果为通过时进行支付交易并生成交易数据，所述云端付款网关服务器获得该金融机构的批核结果和交易数据，并反馈至POS终端设备的前端。
进一步的，所述POS终端设备在接收到所述云端付款网关服务器反馈的批核结果和交易数据时，将所述交易数据发送至所述云端ERP服务器，所述云端ERP服务器基于所述交易数据对所述产品/服务资料进行更新。
进一步的，所述管理系统还包括电动钱箱和给前端和后端供电的电源供应模块，所述电动钱箱和所述电源供应模块分别与所述POS终端设备电连接。
。
进一步的，所述POS终端包括网络接口、内存、储存空间、控制接口和微处理器。
进一步的，所述前端通过4G/LTE调制解调器、WI-FI、蓝牙（Bluetooth）和/或以太网络（Ethernet）与所述云端ERP服务器连接，所述云端ERP服务器连接与商户端连接。
进一步的，所述POS终端设备通过USB控制器与二维码/三维码扫描器、前台出票机、前台打印机、标签机、手写板和/或外置内存连接，所述POS终端设备通过蓝牙（Bluetooth）与点菜机、无线二维码/三维码扫描器和/或无线餐牌连接。
进一步的，所述后端通过4G/LTE调制解调器、WI-FI、蓝牙（Bluetooth）和/或以太网络（Ethernet）与所述云端付款网关服务器连接。
进一步的，所述POS终端设备包括机体和面向收银员的收银端接触式显示屏，所述收银端接触式显示屏通过铰链固定在机体上。
进一步的，所述POS终端还包括高清监控镜头，所述铰链上设置有旋转构件，所述高清监控镜头安装于所述旋转构件。
进一步的，，所述生物特征采集验证装置包括面向顾客的人脸识别显示屏、人脸识别高解像摄像镜头、人脸识别或掌纹识别用高清摄像镜头、第一声纹识别收音器、第二声纹识别收音器、远红外线发射器、远红外线摄像镜头、手指纹识别扫描器和/或指静脉扫描器所述POS终端设备还包括面向顾客的顾客端接触式显示屏，所述顾客端接触式显示屏通过可活动铰链固定在机体上，所述人脸识别显示屏、所述人脸识别高解像摄像镜头、所述人脸识别或掌纹识别用高清摄像镜头、所述远红外线发射器、所述远红外线摄像镜头、所述第一声纹识别收音器和所述第二声纹识别收音器分别通过旋转构件设置于机体，所述手指纹识别扫描器和/或指静脉扫描器设置在POS终端设备的顶部。
进一步的，，所述密码输入装置包括NFC及蓝牙感应器、二维码/三维码扫描器、NFC及RFID感应，所述NFC及蓝牙感应器、所述二维码/三维码扫描器和所述NFC及RFID感应器设置于所述POS终端设备的顶部。
进一步的，所述POS终端设备还包括电源开关、电源线接入口、乙太网络线接入口、内置扬声器和外置USB插头，所述内置扬声器设置在POS终端设备的侧面；所述电源线接入口、所述乙太网络线接入口、所述电源开关和所述外置USB插头设置在POS终端设备的底部。
进一步的，所述前端的控制接口与顾客端接触式显示屏、人脸识别高解像摄像镜头和内置扬声器分别连接，以控制所述顾客端接触式显示屏、人脸识别高解像摄像镜头和内置扬声器的工作状态。
进一步的，所述后端的控制接口与所述NFC及RFID感应器、NFC及蓝牙感应器、手指纹识别扫描器或指静脉扫描器、二维码/三维码扫描器、人脸识别或掌纹识别用高清摄像镜头、收银端接触式显示屏、可活动高清监控镜头、人脸识别或掌纹识别用高清摄像镜头、人脸识别显示屏、第一声纹识别收音器、第二声纹识别收音器、远红外线发射器、远红外线摄像镜头和内置扬声器分别电连接。
一种支付方法，应用于上述的云端生物识别及零售管理系统，所述方法包括：
POS终端设备接收顾客或收银员输入的产品/服务资料和对应的数量，并从云端ERP服务器获取产品/服务资料对应的价格信息，以基于该价格信息、所述产品/服务资料和对应的数量生成包括交易金额的交易信息，并将该交易信息发送至云端付款网关服务器；
所述云端付款网关服务器基于所述交易信息向所述POS终端设备发送电子钱包输入指令及生物特征输入指令；
所述POS终端设备接收顾客基于电子钱包输入指令通过密码输入装置输入的密码信息以及顾客基于所述生物特征输入指令通过生物特征采集验证装置输入的生物特征信息，并反馈至所述云端付款网关服务器；
所述云端付款网关服务器基于关联的生物数据库对所述生物特征信息进行核对，并在核对通过后，将所述交易信息和密码信息发送至金融机构对应的服务器以进行批核以使该金融机构对应的服务器在批核结果为通过时进行支付交易并生成交易数据；
所述云端付款网关服务器获得该金融机构对应的服务器的批核结果和交易数据，并反馈至POS终端设备的前端。
进一步的，在执行所述云端付款网关服务器获得该金融机构对应的服务器的批核结果和交易数据，并反馈至POS终端设备的步骤之后，所述方法还包括：
所述POS终端设备将所述交易数据发送至所述云端ERP服务器；
所述云端ERP服务器基于所述交易数据更新所述产品/服务资料。
进一步的，在执行POS终端设备接收顾客或收银员输入的产品/服务资料和对应的数量的步骤之前，所述方法还包括：
所述POS终端设备从所述云端ERP服务器中获取产品/服务资料。
 有益效果
本公开提供的一种云端生物识别及零售管理系统和支付方法，包括POS终端设备、云端ERP服务器和云端付款网关服务器，POS终端设备包括安装有Android操作系统的前端和安装有Linux操作系统的后端，前端与云端ERP服务器连接，后端设置有密码输入装置和生物特征采集验证装置。其有益效果是利用生物特征识别技术为移动电子支付作二次认证，甚至不用手机作媒介而直接用生物特征作支付方案，以实现通过支付验证过程中包含生物特征的支付方案可防止罪案及提高破案效率。
名词解释：
ERP是企业资源计划(Enterprise Resource Planning )的简称，是指建立在信息技术基础上，集信息技术与先进管理思想于一身，以系统化的管理思想，为企业员工及决策层提供决策手段的管理平台。
NFC是近距离无线通讯技术。RFID是射频识别技术。CCTV及安全系统是闭路电视安全监控系统。
公开的实施还包括以下技术效果：
本实用新型公开的云端生物识别支付及零售管理系统，前端为Android操作系统，后端为Linux操作系统，双系统的作用，一是加强安全性，云端化的运作可确保在没有受权人士在场的情况下POS机内不会保存有顾客资料，双系统的使用使资料有绝对的分隔性，生物资料库将来可使用自已研发或更新式的电脑语言来防止黑客，而不影响POS终端设备的运作；二是POS终端设备服务会与生物资料库可以分拆为两间公司，各自发展和管理，双系统的设置增强了接入兼容性。三是可得到不同机构，甚至政府的信任和核证，还内含一个广告播放功能，给金融公司使用，24小时运作，商户关了POS终端设备的电源，而广告显示屏会仍然运作，增强了广告效果。本实用新型公开可合并新一代身份证运用为未来SMART CITY作基石。本实用新型公开的云端生物识别支付及零售管理系统可以作为金融机构自己的收集生物特征途径和批核工具。
本实用新型公开的云端生物识别支付及零售管理系统，后端同时设置有密码输入装置和生物特征采集验证装置，旨在利用生物特征识别技术为移动电子支付作二次认证。甚至不须手机等移动产品为媒界，而直接成为移动支付的一种，生物支付。好处是黑客难以从多方窃取并拼合资料。特别情况下旅客可在没有手机、银行卡和信用卡情况下仍可进行电子支付。二次认证为大额或超大额交易提供可靠安全性。包含生物特征的支付方案可防止罪案及提高破案效率。
 附图说明
为了更清楚的说明本公开实施例的技术方案，下面对实施例中需要使用的附图作简单介绍。应当理解，以下附图仅示出了本公开的某些实施方式，不应被看作是对本公开范围的限制。对于本领域技术人员而言，在不付出创造性劳动的情况下，能够根据这些附图获得其他附图。
图1为本公开实施例的一种云端生物识别支付及零售管理系统简要流程示意图。
图2为本公开实施例的一种云端生物识别支付及零售管理系统简要设计示意图。
图3为本公开实施例的一种云端生物识别支付及零售管理系统详细模块设计示意图。
图4为本公开实施例的一种云端生物识别支付及零售管理系统操作流程示意图。
图5为本公开实施例的POS终端设备立体结构示意图。
图6为本公开实施例的POS终端设备另一立体结构示意图。
图7为本公开实施例的POS终端设备侧面立体结构示意图。
图8为本公开实施例的POS终端设备另一角度立体结构示意图。
图9为本公开实施例的一种云端生物识别支付及零售管理系统连接框图。
图10为本公开实施例的一种支付方法的流程示意图。
1-人脸识别显示屏；2-人脸识别高解像摄像镜头；3-人脸识别或掌纹识别用高清摄像镜头；4-第一声纹识别收音器；5-第二声纹识别收音器；6-手指纹识别扫描器或指静脉扫描器；7-NFC及蓝牙感应器；8-二维码/三维码扫描器；9-NFC及RFID感应器；10-顾客端接触式显示屏；11-电源开关；12-可活动铰链；13-内置扬声器；14-外置USB插头；15-收银端接触式显示屏；16-可活动高清监控镜头；17-远红外线发射器；18-远红外线摄像镜头；19-电源线入口；20-以太网络线接入口；100-POS终端设备；200-云端ERP服务器200；300-云端付款网关服务器。
 本发明的实施方式
为使本公开实施例的目的、技术方案和优点更加清楚，下面将结合本公开实施例中的附图，对本公开实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例是本公开一部分实施例，而不是全部的实施例。通常在此处附图中描述和示出的本公开实施例的组件可以以各种不同的配置来布置和设计。
因此，以下对在附图中提供的本公开的实施例的详细描述并非旨在限制要求保护的本公开的范围，而是仅仅表示本公开的选定实施例。基于本公开中的实施例，本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都属于本公开保护的范围。
应注意到：相似的标号和字母在下面的附图中表示类似项，因此，一旦某一项在一个附图中被定义，则在随后的附图中不需要对其进行进一步定义和解释。
需要说明的是，在本公开实施例的描述中，术语“第一”、“第二”等仅用于区分描述，而不能理解为指示或暗示相对重要性。
参见图1和图9所示，本实施例的云端生物识别支付及零售管理系统的简要操作流程为POS终端设备100从云端ERP服务器200获取产品/服务资料，顾客从POS终端设备100获取交易数据，确认交易之后，利用NFC/RFID/QR code/蓝牙（Bluetooth）/生物识别技术（指纹/掌纹/声纹/人脸）核证身份，POS终端设备100利用加密网络连线传输顾客资料到云端付款网关服务器300，并递交电子交易申请，确认交易成功之后，反馈给POS终端设备100，POS终端设备100经网络传送交易数据给云端ERP服务器200，打印单据，完成交易。
本实施例的云端生物识别支付及零售管理系统，包括配置成能够进行收银服务的POS终端设备100、云端ERP服务器200和云端付款网关服务器300，云端ERP服务器200与云端付款网关服务器300连接，POS终端设备包括安装有Android操作系统的前端和安装有Linux操作系统的后端，前端与云端ERP服务器200连接，后端与云端付款网关服务器300连接，后端设置有密码输入装置和生物特征采集验证装置。
具体参见图2所示，在本实施例中，所述POS终端设备100的前端指的是面向顾客端／消费者的一端，并配备有前置触控显示屏；后端指的是面向金融机构的服务器/储存生物数据库配置成能够进行收银操作的一端，也配备有后置触控显示屏。后端的Linux系统，硬件上负责管理和连接面向客户端的触控屏幕和所有识别输入器（包括NFC、RFID、QRcode、指纹、声纹、人脸识别），把得到的数据上传至云端伺服器作支付批核。软件上主要负责客户端的触控屏幕密码登入程式和广告播放系统。前端的Android系统，硬件上负责管理和连接所有营运设备（例如面向收银端的触控屏幕、打票机、标签机、点菜机等等），软件上主要负责对接所有应用Apps（例如外卖app、订座app、会员app、供应商app）和云端服务（例如会计服务和金融服务）。客户端／消费者只要有NFC和支付码的功能设备就能完成付费。本实施例的云端生物识别支付及零售管理系统，前端为Android操作系统，后端为Linux操作系统，双系统的作用，一是加强安全性，云端化的运作可确保在没有受权人仕在场的情况下POS机内不会保存有顾客资料，双系统的使用使资料有绝对的分隔性，生物资料库将来可使用自已研发或更新式的电脑语言来防止黑客，而不影响POS终端设备100的运作；二是POS终端设备100服务会与生物资料库可以分拆为两间公司，各自发展和管理，双系统的设置增强了兼容性。三是可得到不同机构，甚至政府的信任和核证，还内含一个广告播放功能，给金融公司使用，24小时运作，商户关了POS终端设备100的电源，而广告显示屏会仍然运作，增强了广告效果。本实施例的管理系统可合并新一代身份证运用为未来智慧城市作基石。本公开的云端生物识别支付及零售管理系统可以作为金融机构自己的收集生物特征途径和批核工具。
具体在采用上述的云端生物识别及零售管理系统进行产品/服务资料交易时，所述POS终端设备100从云端ERP服务器200获取所述产品/服务资料，所述云端付款网关服务器300在接收到所述POS终端设备100发送的交易信息、所述密码输入装置输入的密码信息以及生物特征采集验证装置获得的生物特征信息时，基于所述生物数据库对所述生物特征信息进行核对，并在核对一致后将所述交易信息和密码信息发送至金融机构对应的服务器以进行批核，以使该金融机构对应的服务器在批核结果为通过时进行支付交易并生成交易数据，所述云端付款网关服务器300获得该金融机构的批核结果和交易数据，并反馈至POS终端设备100的前端。
其中，所述交易信息中包括用户从所述产品/服务资料选取的目标产品/目标服务资料的信息。
需要说明的是，ERP是企业资源计划(Enterprise Resource Planning )的简称，是指建立在信息技术基础上，集信息技术与先进管理思想于一身，以系统化的管理思想，为企业员工及决策层提供决策手段的管理平台。
为便于采用上述的云端生物识别及零售管理系统，在本实施例中，在本实施例中，所述POSS终端设备还包括包括电动钱箱，给前端和后端供电的电源供应模块，Android操作系统包括网络接口、内存、储存空间、控制接口和微处理器，其它外接设备将在下文阐述，Linux操作系统也包括网络接口、内存、储存空间、控制接口和微处理器，其它外接设备将在下文阐述，前端包括顾客端及商户端，后端与SVF（香港储值支付工具牌照）持牌机构、金融机构和生物特征数据库连接。
参见图3所示，前端可通过4G/LTE调制解调器、WI-FI、蓝牙（Bluetooth）或以太网络（Ethernet）中的一种或任几种与云端ERP服务器200连接， 例如，可以采用WI-FI与云端ERP服务器200连接；POS终端设备100的顾客端通过USB控制器与二维码/三维码扫描器（扫码枪）、前台出票机、前台打印机、标签机、手写板或外置内存中的一种或任几种连接，可以理解，POS终端设备100的顾客端还可以通过蓝牙（Bluetooth）与点菜机、无线二维码/三维码扫描器（无线扫码枪）和无线餐牌连接。
可以理解，云端ERP服务器200与POS终端设备100连接时，可以构成厨房及水吧出单系统、点菜及预定系统、轮候及预约系统、会员及客服系统、外卖系统、会计及库存系统、供应多种POS机的下载使用系统、供应多种POS机的线上使用系统、广告及告示管理系统、内聊网及员工管理系统、物联网及能源管理系统、物流管理系统、供应链管理系统、CCTV及安全系统或分店管理系统中的一种或任几种。其中，CCTV为安全系统是闭路电视安全监控系统。
请参阅图4，在采用上述任一一种系统进行交易时，具体可以采用如下执行过程实现：
1）、顾客在POS终端设备100上输入产品/服务资料，以及输入数量，POS终端设备100从云端ERP服务器200获取产品资料，之后产生交易项目计算总计，并在POS终端设备100上显示交易资料；
2）、商户在POS终端设备100发出票据及向云端付款网关服务器300作支付/转帐要求；
3）、云端付款网关服务器300收到要求后发出指令，要求顾客输入电子钱包资料及生物特征资料（指纹/掌纹/声纹/人脸）；
4）、顾客于POS终端设备100上输入电子钱包资料及生物特征资料，递交电子支付服务；
5）、云端付款网关服务器300收到电子钱包资料及生物特征资料后，交生物特征资料库核对，再交金融机构的服务器以进行批核；
6）、批核成功后，云端付款网关服务器300会发出通知给商户及顾客，云端ERP服务器200打印单据；
7）、金融机构的服务器转帐到商户，交易成功。
参见图5、图6、图7和图8所示，POS终端设备100包括机体和面向收银员的收银端接触式显示屏15、可活动高清监控镜头16、收银端接触式显示屏15通过可活动铰链12固定在机体上，后端一侧的可活动铰链12上设置有可旋转构件，可活动高清监控镜头16安装在可旋转构件上；POS终端设备100还包括面向顾客端的人脸识别显示屏1、人脸识别高解像摄像镜头2、人脸识别或掌纹识别用高清摄像镜头3、第一声纹识别收音器4、第二声纹识别收音器5、远红外线发射器17、远红外线摄像镜头18、手指纹识别扫描器或指静脉扫描器6、NFC及蓝牙感应器7、二维码/三维码扫描器8、NFC及RFID感应器9和顾客端接触式显示屏10，顾客端接触式显示屏10通过可活动铰链12固定在机体上，人脸识别显示屏1、人脸识别高解像摄像镜头2、人脸识别或掌纹识别用高清摄像镜头3、第一声纹识别收音器4和第二声纹识别收音器5、远红外线发射器17和远红外线摄像镜头18设置在可旋转构件上，手指纹识别扫描器或指静脉扫描器6、NFC及蓝牙感应器7、二维码/三维码扫描器8和NFC及RFID感应器9设置在POS终端设备100的顶部；POS终端设备100还包括电源开关11、内置扬声器13和外置USB插头14、电源线接入口19和乙太网络线接入口20，电源开关11、电源线接入口19、乙太网络线接入口20和外置USB插头14设置在POS终端设备100的底部或靠近收银端接触式显示屏的一侧，更方便使用，内置扬声器13设置在POS终端设备100的侧面。
具体的，在本实施例中，前端的控制接口与所述顾客端接触式显示屏10、人脸识别高解像摄像镜头2和内置扬声器13。后端通过4G/LTE调制解调器、WI-FI、蓝牙（Bluetooth）或以太网络（Ethernet）中的一种或任几种与云端付款网关服务器300连接，以控制所述顾客端接触式显示屏10、人脸识别高解像摄像镜头2和内置扬声器13的工作状态。
云端付款网关服务器300与金融机构的服务器和生物数据库连接。后端的控制接口与NFC及RFID感应器9、NFC及蓝牙感应器7、手指纹识别扫描器或指静脉扫描器6、二维码/三维码扫描器8、人脸识别或掌纹识别用高清摄像镜头3、收银端接触式显示屏15、可活动高清监控镜头16、人脸识别或掌纹识别用高清摄像镜头3、人脸识别显示屏1、第一声纹识别收音器4、第二声纹识别收音器5和内置扬声器13分别电连接，以控制其工作状态。
参见图10所示，本实施例的一种可应用于上述的云端生物识别支付及零售管理系统的支付方法，所述支付方法应用于上述云端生物识别支付及零售管理系统时，实现以下步骤：
步骤S110：POS终端设备100接收顾客或收银员输入的产品/服务资料和对应的数量，并从云端ERP服务器200获取产品/服务资料对应的价格信息，以基于该价格信息、所述产品/服务资料和对应的数量生成包括交易金额的交易信息，并将该交易信息发送至云端付款网关服务器300。
步骤S120：所述云端付款网关服务器300基于所述交易信息向所述POS终端设备100发送电子钱包输入指令及生物特征输入指令。
步骤S130：所述POS终端设备100接收顾客基于电子钱包输入指令通过密码输入装置输入的密码信息以及顾客基于所述生物特征输入指令通过生物特征采集验证装置输入的生物特征信息，并反馈至所述云端付款网关服务器300。
步骤S140：所述云端付款网关服务器300基于关联的生物数据库对所述生物特征信息进行核对，并在核对通过后，将所述交易信息和密码信息发送至金融机构对应的服务器以进行批核以使该金融机构对应的服务器在批核结果为通过时进行支付交易并生成交易数据。
步骤S150：所述云端付款网关服务器300获得该金融机构对应的服务器的批核结果和交易数据，并反馈至POS终端设备100的前端。
在本实施例中，在执行步骤S110之前，所述方法还包括：所述POS终端设备100从所述云端ERP服务器200中获取产品/服务资料。
其中，从所述云端ERP服务器200中获取的产品/服务资料的种类和数量都应大于或等于顾客或收银员输入的产品/服务资料和对应的种类和数量。
在执行步骤150之后，所述方法还包括：
所述POS终端设备100将所述交易数据发送至所述云端ERP服务器200。所述云端ERP服务器200基于所述交易数据更新所述产品/服务资料。以实现实时更新所述云端ERP服务器200的信息，进而保障在后续交易过程中从云端ERP服务器200中获取的产品/服务资料的种类和数量的准确性，从而保障交易的可靠性。
本实施例的云端生物识别支付及零售管理系统，后端同时设置有密码输入装置和生物特征采集验证装置，生物特征采集验证装置是上述的人脸识别显示屏1、人脸识别高解像摄像镜头2、人脸识别或掌纹识别用高清摄像镜头3、第一声纹识别收音器4、第二声纹识别收音器5、手指纹识别扫描器或指静脉扫描器6、远红外线发射器17或远红外线摄像镜头18中的一种或任几种，旨在利用生物特征识别技术为移动电子支付作二次认证。甚至不须手机等移动产品为媒界，而直接成为移动支付的一种，生物支付。好处是黑客难以从多方窃取并拼合资料。特别情况下旅客可在没有手机、银行卡和信用卡情况下仍可进行电子支付。二次认证为大额或超大额交易提供可靠安全性。包含生物特征的支付方案可防止罪案及提高破案效率。
最后应当说明的是，以上实施例仅用以说明本公开的技术方案，而非对本公开保护范围的限制，尽管参照较佳实施例对本公开作了详细地说明，本领域的普通技术人员应当理解，可以对本公开的技术方案进行修改或者等同替换，而不脱离本公开技术方案的实质和范围。 

Claims (18)

  1. 一种云端生物识别支付及零售管理系统，包括配置成能够进行收银服务的POS终端设备、云端ERP服务器和云端付款网关服务器，其特征在于：所述云端ERP服务器与所述云端付款网关服务器连接，所述POS终端设备包括安装有Android操作系统的前端和安装有Linux操作系统的后端，所述前端与所述云端ERP服务器连接，所述后端与所述云端付款网关服务器连接，所述后端设置有密码输入装置和生物特征采集验证装置。
  2. 根据权利要求1所述的一种云端生物识别支付及零售管理系统，其特征在是：所述云端付款网关服务器关联有金融机构对应的服务器和生物数据库，所述云端付款网关服务器在接收到所述POS终端设备发送的交易信息、所述密码输入装置输入的密码信息以及生物特征采集验证装置获得的生物特征信息时，基于所述生物数据库对所述生物特征信息进行核对，并在核对一致后将所述交易信息和密码信息发送至金融机构对应的服务器以进行批核，以使该金融机构对应的服务器在批核结果为通过时进行支付交易并生成交易数据，所述云端付款网关服务器获得该金融机构的批核结果和交易数据，并反馈至POS终端设备的前端。
  3. 根据权利要求2所述的一种云端生物识别支付及零售管理系统，其特征在于：所述POS终端设备在接收到所述云端付款网关服务器反馈的批核结果和交易数据时，将所述交易数据发送至所述云端ERP服务器，所述云端ERP服务器基于所述交易数据更新所述产品/服务资料。
  4. 根据权利要求1所述的一种云端生物识别支付及零售管理系统，其特征在于：所述管理系统还包括电动钱箱和给前端和后端供电的电源供应模块，所述电动钱箱和所述电源供应模块分别与所述POS终端设备电连接。
  5. 根据权利要求1所述的一种云端生物识别支付及零售管理系统，其特征在于：所述POS终端包括网络接口、内存、储存空间、控制接口和微处理器。
  6. 根据权利要求1所述的一种云端生物识别支付及零售管理系统，其特征在于：所述前端通过4G/LTE调制解调器、WI-FI、蓝牙和/或以太网络中与所述云端ERP服务器连接，所述云端ERP服务器连接与商户端连接。
  7. 根据权利要求1所述的一种云端生物识别支付及零售管理系统，其特征在于：所述POS终端设备通过USB控制器与二维码/三维码扫描器、前台出票机、前台打印机、标签机、手写板和/或外置内存连接，所述POS终端设备通过蓝牙与点菜机、无线二维码/三维码扫描器和/或无线餐牌连接。
  8. 根据权利要求1所述的一种云端生物识别支付及零售管理系统，其特征在于：所述后端通过4G/LTE调制解调器、WI-FI、蓝牙和/或以太网络与所述云端付款网关服务器连接。
  9. 根据权利要求1-8任一所述的一种云端生物识别支付及零售管理系统，其特征在于：所述POS终端设备包括机体和面向收银员的收银端接触式显示屏，所述收银端接触式显示屏通过铰链固定在机体上。
  10. 根据权利要求9所述的云端生物识别支付及零售管理系统，其特征在于：所述POS终端还包括高清监控镜头，所述铰链上设置有旋转构件，所述高清监控镜头安装于所述旋转构件。
  11. 根据权利要求10所述的一种云端生物识别支付及零售管理系统，其特征在于：所述生物特征采集验证装置包括面向顾客的人脸识别显示屏、人脸识别高解像摄像镜头、人脸识别或掌纹识别用高清摄像镜头、第一声纹识别收音器、第二声纹识别收音器、远红外线发射器、远红外线摄像镜头、手指纹识别扫描器和/或指静脉扫描器所述POS终端设备还包括面向顾客的顾客端接触式显示屏，所述顾客端接触式显示屏通过铰链固定在所述机体上，所述人脸识别显示屏、所述人脸识别高解像摄像镜头、所述人脸识别或掌纹识别用高清摄像镜头、所述远红外线发射器、所述远红外线摄像镜头、所述第一声纹识别收音器和所述第二声纹识别收音器分别通过旋转构件设置于机体，所述手指纹识别扫描器和/或指静脉扫描器设置在POS终端设备的顶部。
  12. 根据权利要求11所述的一种云端生物识别支付及零售管理系统。
  13. 根据权利要求12所述的一种云端生物识别支付及零售管理系统，其特征在于：所述POS终端设备还包括电源开关、电源线接入口、乙太网络线接入口、内置扬声器和外置USB插头，所述内置扬声器设置在POS终端设备的侧面；所述电源线接入口、所述乙太网络线接入口、所述电源开关和所述外置USB插头设置在POS终端设备的底部。
  14. 根据权利要求13所述的一种云端生物识别支付及零售管理系统，其特征在于：所述前端的控制接口与所述顾客端接触式显示屏、人脸识别高解像摄像镜头和内置扬声器分别连接，以控制所述顾客端接触式显示屏、人脸识别高解像摄像镜头和内置扬声器的工作状态。
  15. 根据权利要求14所述的一种云端生物识别支付及零售管理系统，其特征在于：所述后端的控制接口与所述NFC及RFID感应器、NFC及蓝牙感应器、手指纹识别扫描器或指静脉扫描器、二维码/三维码扫描器、人脸识别或掌纹识别用高清摄像镜头、收银端接触式显示屏、可活动高清监控镜头、人脸识别或掌纹识别用高清摄像镜头、人脸识别显示屏、第一声纹识别收音器、第二声纹识别收音器和内置扬声器分别电连接。
  16. 一种支付方法，应用于权利要求1-15任意一项所述的云端生物识别及零售管理系统，其特征在于，所述方法包括：
    POS终端设备接收顾客或收银员输入的产品/服务资料和对应的数量，并从云端ERP服务器获取产品/服务资料对应的价格信息，以基于该价格信息、所述产品/服务资料和对应的数量生成包括交易金额的交易信息，并将该交易信息发送至云端付款网关服务器；
    所述云端付款网关服务器基于所述交易信息向所述POS终端设备发送电子钱包输入指令及生物特征输入指令；
    所述POS终端设备接收顾客基于电子钱包输入指令通过密码输入装置输入的密码信息以及顾客基于所述生物特征输入指令通过生物特征采集验证装置输入的生物特征信息，并反馈至所述云端付款网关服务器；
    所述云端付款网关服务器基于关联的生物数据库对所述生物特征信息进行核对，并在核对通过后，将所述交易信息和密码信息发送至金融机构对应的服务器以进行批核以使该金融机构对应的服务器在批核结果为通过时进行支付交易并生成交易数据；
    所述云端付款网关服务器获得该金融机构对应的服务器的批核结果和交易数据，并反馈至POS终端设备的前端。
  17. 根据权利要求16所述的支付方法，其特征在于，在执行所述云端付款网关服务器获得该金融机构对应的服务器的批核结果和交易数据，并反馈至POS终端设备的步骤之后，所述方法还包括：
    所述POS终端设备将所述交易数据发送至所述云端ERP服务器；
    所述云端ERP服务器基于所述交易数据更新所述产品/服务资料。
  18. 根据权利要求16所述的支付方法，其特征在于，在执行POS终端设备接收顾客或收银员输入的产品/服务资料和对应的数量的步骤之前，所述方法还包括：
    所述POS终端设备从所述云端ERP服务器中获取产品/服务资料。
     
     
     
     
PCT/CN2018/120793 2017-12-14 2018-12-13 云端生物识别支付及零售管理系统和支付方法 WO2019114782A1 (zh)

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