CN103400460B - Mobile POS, the system and method for card business realizing - Google Patents
Mobile POS, the system and method for card business realizing Download PDFInfo
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Abstract
The invention discloses a kind of mobile POS, the system and method for card business realizing.The movement POS includes：Noncontact processing unit reads and writes outside city one-card card in wireless radio frequency transmission mode, and the information of reading is sent to safety chip device；Contact processing unit reads and writes external contact formula card by contact mode, and the information of reading is sent to safety chip device；Magnetic strip processing unit is sent to safety chip device by the information that swiping card mode reads external magnetic strip；The information of reception is sent to data processing equipment, distribution service instruction by safety chip device；The information that data processing equipment will be received is sent to mobile terminal by mobile communication interface device, or receives the service order that outside mobile terminal is sent by mobile communication interface device, is sent to safety chip device.The present invention can improve the flexibility of business realizing.
Description
Technical field
The present invention relates to the network communications technology, more particularly to a kind of mobile POS, card business reality
Existing system and method.
Background technology
At present, card business is gradually widely used.Such as a kind of technology realizes it being city one-card business.
Fig. 1 is the system construction drawing of city one-card business in the prior art.Referring to Fig. 1, in order to realize city
All-purpose card business, mainly includes in city one-card operation system：City one-card card, POS (Point
Of sales, point of sale) machine and all-purpose card server.Wherein, city one-card card is a kind of noncontact
Formula radio-frequency card；The identity and other business of all-purpose card server maintenance and management city one-card card are believed
Breath, information exchange is carried out by with POS, is completed to POS and the pipe of city one-card card
Reason.
At present, being mainly using city one-card card carries out bus card-reading service, but also occurs in that one
The business of a little new utilization city one-card cards, such as, referring to Fig. 2, in city one-card business system
PC, business platform and Third party system are introduced in system, POS is no longer carried out with all-purpose card server
Direct communication, but business platform is logged in by PC, so as to complete and Third party system and all-purpose card
The communication of server, specifically, user can trigger business platform and Third party system by PC
Information exchange is carried out, so that more business are obtained from Third party system using city one-card card should
With, the application of city one-card business is extended, it is that the use of user brings convenience.
But at present, either which kind of business no matter the city one-card operation system of which kind of structure, complete,
In user side, it is required for connecting network side so as to finishing service by PC, so, user then cannot
All-purpose card business is carried out at any time in the case of no PC, so as to limit the flexibility of business realizing；
In addition, current POS can be only done single card business, such as, and can only be to city one-card card
Piece is written and read, so as to also limit the flexibility of business realizing.
The content of the invention
The present invention proposes a kind of mobile POS, the system and method for card business realizing, Neng Gouti
The flexibility of business realizing high.
In order to achieve the above object, the technical proposal of the invention is realized in this way：
A kind of mobile POS, the movement POS includes：Data processing equipment, safety chip device,
Noncontact processing unit, contact processing unit and/or magnetic strip processing unit and mobile communication connect
Mouth device, wherein,
Noncontact processing unit, for reading outside city one-card card in wireless radio frequency transmission mode
Information, is sent to safety chip device, after service order is received, in wireless radio frequency transmission mode pair
Outside city one-card card is written and read operation；
Contact processing unit, the information for being read external contact formula card by contact mode is sent
To safety chip device, after service order is received, outside contact card is entered by contact mode
Row read-write operation；
Magnetic strip processing unit, the information for reading external magnetic strip by swiping card mode, is sent to peace
Full chip apparatus.
Safety chip device, for noncontact processing unit, contact processing unit or magnetic strip to be processed
The information that device is sent is sent to data processing module；And, the industry sent to processing module using key
Business instruction is decrypted, and according to the service order after decryption, the service order is sent into noncontact treatment
Device or contact processing unit；
Data processing equipment, the information for that will receive is sent to outside by mobile communication interface device
Mobile terminal, or the service order that outside mobile terminal is sent is received by mobile communication interface device,
It is sent to safety chip device.
The safety chip device, the private for preserving the movement POS in the key zone of inaccessible
Key, the private key corresponds to the public key of the CA certificate of the POS, and described right using private key execution
The service order that data processing equipment is sent is decrypted；And/or, the safety chip device is further
The information for being sent to data processing equipment is signed for the public key using the mobile POS；
And/or, the safety chip device is further used for the public key in the CA certificate using all-purpose card server
The balance amount information current to the city one-card card of the contactless processing unit reading is encrypted,
Mobile terminal is sent to by data processing equipment and mobile communication interface apparatus module.
The mobile communication interface device includes mobile communication interface of multiple different agreement interface types
Module, the mobile communication interface submodule of each protocol interface type be used for with corresponding protocol interface
The mobile terminal of type sets up connection, completes the transmitting-receiving of information.
The movement POS is further included：Contact interface device and city one-card card,
The safety chip device is connected with the contact interface device in contact mode；
The safety chip device, is further used for reading mobile POS by the contact interface device
The information of machine inside city one-card card, data processing dress is sent to by the city one-card card image
Put；And, the service order sent using data key processing unit is decrypted, after decryption
Service order, by the contact interface device to the city one-card card inside mobile POS
It is written and read operation.
A kind of system of card business realizing, including above-mentioned any one mobile POS of the invention,
Mobile terminal, business platform, Third party system and all-purpose card server, wherein,
Mobile terminal, for receiving the information that user input and mobile POS are sent, generation business please
Ask and be sent to business platform, the service order that business platform is sent is sent to mobile POS；
Business platform, for being interacted with Third party system, after interaction success, industry is sent to mobile terminal
Business instruction or the service request sent according to mobile phone and all-purpose card server interaction, by all-purpose card
The service order that server is sent is sent to mobile terminal.
When the Third party system is contact card or the corresponding banking system of magnetic stripe card,
Business platform interacts request of withholing with the banking system, and the banking system is deducted from corresponding account
Corresponding recharge amount, the success message that will withhold returns to business platform；
Correspondingly, the mobile terminal, the recharging service page for being linked to the business platform, root
Utilization external contact formula bank card or magnetic stripe bank card according to user input enter to city one-card card
Contact card or the information of magnetic stripe card that the order and mobile POS that row is supplemented with money are sent, generate as institute
State the bank card charging request of service request and be sent to business platform, all-purpose card server is passed through into business
Mobile POS is issued in the instruction of supplementing with money as service order that platform is sent；
Correspondingly, business platform, after charging request is received, the request that will withhold is sent to the bank
System, after success message of withholing is received, performs and sends carrying city one-card to all-purpose card server
Card identity information supplement with money key application request, then receive all-purpose card server send as business
What is instructed supplements instruction with money；
Correspondingly, the mobile POS, instruction is supplemented with money according to what mobile terminal was sent, changes city
Balance amount information in all-purpose card card, also, if supplemented with money by contact card, then further modification is outer
Balance amount information in portion's contact card；
Or,
When the Third party system is commerce system, the commerce system is used to detect user by movement
Commodity and blocked using any one in city one-card card, magnetic stripe card and contact card that terminal is selected
After the information that piece is paid as current Payment Card, generate corresponding goods orders and be sent to business and put down
Platform；
Correspondingly, business platform, is further used for being successfully received goods orders and bankcard consumption request
Afterwards, correspondence is performed to all-purpose card server or pays close to the banking system transmission of magnetic stripe card/contact card
Key application is asked, and the banking system of triggering all-purpose card server or magnetic stripe card/contact card carries out the place that withholds
Reason, after business platform is obtained and pays key, transmission withholds instruction to mobile terminal；
Correspondingly, the mobile terminal, for use city one-card card, magnetic according to user input
Any one card in bar card and contact card as current Payment Card carry out the order of bankcard consumption with
And the information of card that mobile POS is sent, the generation bankcard consumption request and business as described in is asked
Ask and be sent to business platform, the instruction of withholing as service order that business platform is sent is sent to movement
POS；
Correspondingly, the order of withholing that the mobile POS is sent according to mobile terminal, it is determined that current
Payment Card be city one-card card or contact card when, correspondingly from outside city one-card card or
Person therefrom deducts corresponding amount information.
Or,
When the Third party system is Net silver or third-party payment system, business platform and the Net silver or the
Tripartite's payment system interacts request of withholing, and corresponding recharge amount is deducted from corresponding account, will withhold
Success message returns to business platform；
Correspondingly, the mobile terminal, the recharging service page for being linked to the business platform, root
According to user input the order supplemented with money to city one-card card using online service and receive
City one-card card information, generation given as the online recharge request Concurrency of the service request
Business platform, supplements all-purpose card server with money instruction hair by what business platform was sent as service order
To mobile POS；
Correspondingly, business platform, after the charging request is received, the request that will withhold is sent to described
Net silver or third-party payment system, after success message of withholing is received, perform and are sent out to all-purpose card server
The key application of supplementing with money for carrying Bus Card card identity information is sent to ask；
Correspondingly, the mobile POS, instruction is supplemented with money according to what mobile terminal was sent, changes city
Balance amount information in all-purpose card card.
The micro usb interfaces of the mobile communication interface device of the mobile POS and the mobile terminal
Or sd card interfaces are connected.
Safety chip device in the mobile POS is using the public key of the movement POS to transmission
Information is encrypted；
The mobile terminal is sent out mobile POS further with the private key of the correspondence mobile POS
The information come is decrypted.
A kind of method for realizing card business based on above-mentioned any one movement POS, the method includes：
A, mobile POS read outside card information and are then sent to mobile terminal, reading external card letter
Breath includes：By the information of the outside city one-card card of noncontact processing unit reading, by contact
Processing unit is read the information of external contact formula card and is read with swiping card mode by magnetic strip processing unit
It is one or several in the information three of external magnetic strip；
B, mobile terminal receive the information that user input and mobile POS are sent, generation service request hair
Give business platform；
C, business platform are interacted with Third party system, after interaction success, business are sent to mobile terminal
Instruction or the service request sent according to mobile phone and all-purpose card server interaction, all-purpose card is taken
The service order that business device is sent is sent to mobile terminal；
The service order that business platform is sent is sent to mobile POS by D, mobile terminal；
E, mobile POS trigger card processing operations according to the service order for receiving.
In step B, the user input is：Using external contact formula card or magnetic stripe card to city one
The order that cartoon card is supplemented with money；
In step A, reading outside card information is：City one is read by noncontact processing unit
The information of cartoon card；And, by contact processing unit read external contact formula card information or
The information of external magnetic strip is read with swiping card mode by magnetic strip processing unit；
In step B, the service request is：Bank card charging request；
The step C includes：Business platform banking system interaction corresponding with contact card or magnetic stripe card
Withhold information, the banking system is withholdd to corresponding bank card account, business platform is withholdd successfully receiving
After message, sent to all-purpose card server and supplement key application request with money, then receive all-purpose card server hair
That comes supplements instruction with money as service order, is sent to mobile terminal；
The step E includes：Mobile POS supplements instruction with money according to what is received, at noncontact
Reason device changes the balance amount information of city one-card card；Also, include contact card when instruction is supplemented with money
Information when, also by contact processing unit change contact card balance amount information；
Or,
In step B, the user input is：City one-card card is filled using online service
The order of value；
In step A, reading outside card information is：City one is read by noncontact processing unit
The information of cartoon card；
In step B, the service request is：Online recharge is asked；
The step C includes：Business platform interacts the information of withholing with Net silver or third-party payment system,
After withholing successfully, supplementing with money for carrying city one-card card identity information is sent to all-purpose card server close
Key application is asked, and then receives the instruction of supplementing with money as service order that all-purpose card server is sent, and is sent
To mobile terminal；
The step E includes：Mobile POS supplements instruction with money according to what is received, at noncontact
Reason device changes the balance amount information of city one-card card；
Or,
In step B, the user input is：Use city one-card card, magnetic stripe card and contact
Any one card in card carries out the order of bankcard consumption as current Payment Card；
In step A, reading outside card information is：It is corresponding to pass through according to the user input
Noncontact processing unit reads the information of outside city one-card card, or by contact processing unit
The information of external contact formula card is read, or, read with swiping card mode by magnetic strip processing unit outside
The information of magnetic stripe card；
In step B, the service request is：Bankcard consumption is asked；
The step C includes：Commerce system generates corresponding goods orders and is sent to business platform, industry
After business platform receives goods orders and bankcard consumption request, correspondence is performed to all-purpose card server or to magnetic
The banking system of bar card/contact card sends and pays key application request, triggers all-purpose card server or magnetic
The banking system of bar card/contact card carries out treatment of withholing, to movement after business platform acquisition payment key
Terminal sends instruction of withholing；
The step E includes：Mobile POS receives instruction of withholing, it is determined that current Payment Card is city
When city's all-purpose card card or contact card, correspondingly buckled from city one-card card or from contact card
Except corresponding amount information.
As fully visible, mobile POS proposed by the present invention, the method and system of card business realizing,
At least have the following advantages：
1st, in the embodiment of the present invention, which kind of card business no matter is completed, PC need not be all passed through in user side
Machine connects network side, but connects network side by mobile terminal such as mobile phone etc., because mobile terminal is
The equipment that user carries with, therefore, the embodiment of the present invention can at any time carry out card business, so as to improve
The flexibility of business realizing.
In addition, the embodiment of the present invention can complete the related service of city one-card card, such as, pass through
Web bank's account supplemented with money to city one-card card, by mobile terminal enquiry city one-card card
The remaining sum of piece, carry out purchase and consumption of swiping the card using city one-card card；
And, the embodiment of the present invention can also be realized to magnetic stripe card such as magnetic strip bank card and/or contact card
As contact bank card related service, such as, using mobile terminal enquiry magnetic stripe card such as magnetic strip bank
Card and/or contact card such as contact bank card remaining sum, using magnetic stripe card such as magnetic strip bank card with/
Or contact card such as contact bank card carries out purchase and consumption of swiping the card；
What is more important, additionally it is possible to realize the associated services of various cards, such as, using magnetic stripe card such as magnetic
Bar formula bank card and/or contact card such as contact bank card are supplemented with money to city one-card card, i.e.,
Make, in the case where user does not have Web bank's account, to also achieve using entity card to city one-card card
Piece is supplemented with money, therefore considerably increases the flexibility of business realizing.
2nd, all-purpose card is filled and pays termination function and carry out magnetic by the mobile POS that the embodiment of the present invention is proposed
Bar card, two big functions of contact card read-write capability are integrated in one, and can not only complete to city one-card
Card is supplemented with money and the business such as inquires about, and can also be completed corresponding swiping the card using magnetic stripe card, contact card and paid
Take business, user can complete multiple business, enhance the practicality of equipment using the movement POS；
Such as, the embodiment of the present invention can realize three kinds of bankcard consumptions of mode, i.e., using city one-card
Card is swiped the card, or is swiped the card using magnetic stripe card such as magnetic strip bank card, or utilizes contact card such as contact
Bank card is swiped the card, and user can be arbitrarily selecting a kind of card of mode to carry out bankcard consumption, therefore a POS
Equipment is convenient for users to use for various bankcard consumption modes；
In addition, being supplemented with money to city one-card card, it is possible to use Web bank's account, or utilize magnetic
Bar formula card such as magnetic strip bank card, or filled using contact card such as three kinds of modes of contact bank card
Value, therefore, a POS can complete card and supplement with money using various ways, facilitate making for user
With.
3rd, in one embodiment of the invention, city one-card card can be integrated in inside mobile POS,
Also, the read-write to the city one-card card of the inside is no longer carried out by Radio Transmission Technology, but
It is to realize being connected with city one-card card in the contact mode of physical connection by contact interface device,
So as to carry out the direct read/write of card, so, then will not be subject to periphery electromagnetic environment and artificially move card
Influence, greatly reduce read-write city one-card card mistake, be that the use of user brings very big
It is convenient.
4th, in one embodiment of the invention, mobile POS includes the shifting of multiple different agreement interface types
Dynamic communication interface submodule, so, mobile POS can simultaneously support the shifting with multiple interfaces type
Dynamic terminal connection communication, so as to reduce the limitation to mobile terminal, extends the application of business.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to reality
The accompanying drawing to be used needed for example or description of the prior art is applied to be briefly described, it should be apparent that, under
Accompanying drawing in the description of face is some embodiments of the present invention, for those of ordinary skill in the art,
On the premise of not paying creative work, other accompanying drawings can also be obtained according to these accompanying drawings.
Fig. 1 is a kind of system construction drawing of city one-card business in the prior art.
Fig. 2 is that the another of city one-card business in the prior art improves system construction drawing.
Fig. 3 is the basic block diagram inside mobile POS in the embodiment of the present invention.
Fig. 4 is a kind of preferred structure figure inside mobile POS in the embodiment of the present invention.
Fig. 5 is the structural representation of the system that card business is realized in the embodiment of the present invention.
Fig. 6 is that one kind that card business is carried out in embodiment of the present invention A realizes flow chart.
Fig. 7 is that one kind that card business is carried out in embodiment of the present invention B realizes flow chart.
Fig. 8 is that one kind that card business is carried out in embodiment of the present invention C realizes flow chart.
Specific embodiment
To make the purpose, technical scheme and advantage of the embodiment of the present invention clearer, below in conjunction with this hair
Accompanying drawing in bright embodiment, is clearly and completely described to the technical scheme in the embodiment of the present invention,
Obviously, described embodiment is a part of embodiment of the invention, rather than whole embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art are obtained under the premise of creative work is not made
The every other embodiment for obtaining, belongs to the scope of protection of the invention.
One embodiment of the invention first proposed a kind of mobile POS.Referring to Fig. 3, movement POS
Machine includes：Data processing equipment 301, safety chip device 302, noncontact processing unit 304, connect
Touch processing unit 303 and/or magnetic strip processing unit 305 and mobile communication interface device 306,
Wherein,
Noncontact processing unit 304, for reading outside city one-card card in wireless radio frequency transmission mode
The information of piece, is sent to safety chip device 302, is receiving the industry that safety chip device 302 is sent
After business instruction, operation is written and read to outside city one-card card in wireless radio frequency transmission mode；
Contact processing unit 303, the information for reading external contact formula card by contact mode,
Safety chip device 302 is sent to, after the service order that safety chip device 302 is sent is received,
Operation is written and read to outside contact card by contact mode；
Magnetic strip processing unit 305, the information for being read external magnetic strip by swiping card mode, is sent
To safety chip device 302；
Safety chip device 302, for by noncontact processing unit 304, contact processing unit 303
Or the information that magnetic strip processing unit 305 is sent is sent to data processing equipment 301；And, using close
Key is decrypted to the service order that data processing equipment 301 is sent, according to the service order after decryption,
The service order is sent to noncontact processing unit 304 or contact processing unit 303；
Data processing equipment 301, the information for safety chip device 302 to be sent passes through mobile communication
Interface arrangement 306 is sent to the mobile terminal of outside, or receives outer by mobile communication interface device 306
The service order that portion's mobile terminal is sent, is sent to safety chip device 302.
In another preferred embodiment of the invention, in order to ensure various card image (city one-cards
The contact bank card of card, magnetic stripe card such as magnetic strip bank card, contact card such as with cpu chip)
Relevant information and business security and non-repudiation, in mobile POS of the invention, safe core
Sheet devices 302 further complete following treatment：
Safety chip device 302 preserves the private key of the movement POS in the key zone of inaccessible, should
Private key corresponds to the public key of the CA certificate of the POS, and is performed to data processing dress using the private key
301 service orders sent are put to be decrypted；And/or, safety chip device 302 is further used for profit
The information for being sent to data processing equipment 301 is signed with the public key of mobile POS；And/or,
The public key that safety chip device 302 is further used in the CA certificate using all-purpose card server connects to non-
The balance amount information that the city one-card card of the reading of touch processing unit 304 is current is encrypted, by number
Mobile terminal is sent to according to processing unit 301 and mobile communication interface device 306, is completed by more than with triggering
Volume information is sent to all-purpose card server.
In the mobile POS of the embodiment of the present invention, mobile POS can be by various interface protocols
Type and mobile terminal connection communication, such as can be that wired connection mode is attached communication and (such as passes through
Data wire is connected, or mobile communication interface device 306 is set into plug-in type interface arrangement, by this
Mobile communication interface device 306 is realized being connected and communication by mobile POS insertion mobile terminal)；
Certainly, mobile POS wirelessly can also be connected with mobile terminal, such as, by bluetooth
The modes such as agreement, NFC protocol are connected and communicated.
In a preferred embodiment of the invention, mobile POS is supported and various mobile terminals simultaneously
Operating system connection communication.Such as, the system of mobile terminal can support Android, iOS, Saipan,
The mainstream operation systems such as Windows, mobile POS is by setting to mobile communication interface device 306
Putting can communicate with, and so as to reduce the limitation to mobile terminal, extend the application of business.This
When, mobile POS includes the mobile communication interface submodule of multiple different agreement interface types, each
The mobile communication interface submodule of individual protocol interface type is used for and the shifting with corresponding protocol interface type
Dynamic terminal sets up connection, completes the transmitting-receiving of information.Such as, mobile POS is by an association in itself
The mobile communication interface submodule submodule of Bluetooth communication protocol (such as support) for discussing interface type can be with
It is attached with the mobile phone with Bluetooth function and is communicated, is connect by another mobile communication for discussing interface type
Openning module (such as supporting the submodule of micro usb interfaces or sd card interfaces) can with micro
The mobile phone of usb interfaces or sd card interfaces is attached communication etc..
In addition, in an embodiment of the invention, contact processing unit 303 can connecing by itself
Touch read head is attached with external contact formula card, so as to be written and read operation to the contact card.
In other preferred embodiments of the invention, other work(are may further include in mobile POS
Energy device, such as, referring to Fig. 4, further include：Contact interface device 307 and city one-card card
Piece 308, safety chip device 302 is real with city one-card card 308 by contact interface device 307
Existing contact mode is connected；
Safety chip device 302, is further read inside mobile POS by contact interface device 307
The information of city one-card card 308, the information of the city one-card card 308 is sent at data
Reason device 301；And, the service order sent using data key processing unit 301 is decrypted,
According to the service order after decryption, city one-card card 308 is carried out by contact interface device 307
Read-write operation.
Wherein it is possible to using being welded to connect interface or circuit lead linkage interface is used as contact interface device
307, as long as in fact, ensureing that safety chip device 302 passes through with above-mentioned city one-card card 308
The mode of physical contact formula is connected, row information of going forward side by side transmission.
Using the mobile POS shown in Fig. 4, the movement POS carries city one-card card, more
Importantly, due to safety chip device contact interface device be using by way of physical connection (i.e.
Contact connected mode) realize being connected with city one-card card, so as to carry out the direct read/write of card,
So, then will not be influenceed by periphery electromagnetic environment and artificial mobile card, be greatly reduced read-write city
The mistake of city's all-purpose card card.
It should be noted that it will be understood by those skilled in the art that in actual business realizing, moving
POS can also further add other functional modules, such as USB flash disk storage device, such that it is able to make
For mobile memory is used.
In another embodiment, it is proposed that a kind of mobile POS of the utilization embodiment of the present invention
The method that machine realizes card business, the method is comprised the following steps：
A, mobile POS read outside card information and are then sent to mobile terminal, reading external card letter
Breath includes：By the information of the outside city one-card card of noncontact processing unit reading, by contact
Processing unit is read the information of external contact formula card and is read with swiping card mode by magnetic strip processing unit
It is one or several in the information three of external magnetic strip；
B, mobile terminal receive the information that user input and mobile POS are sent, generation service request hair
Give business platform；
C, business platform are interacted with Third party system, after interaction success, business are sent to mobile terminal
Instruction or the service request sent according to mobile terminal and all-purpose card server interaction, all-purpose card is serviced
The service order that device is sent is sent to mobile terminal；
The service order that business platform is sent is sent to mobile POS by D, mobile terminal；
E, mobile POS trigger card processing operations according to the service order for receiving.
In yet another embodiment of the present invention, it is also proposed that a kind of system of card business realizing, referring to
Fig. 5, the system includes：The mobile POS of any one 26S Proteasome Structure and Function that the embodiment of the present invention is proposed
500, mobile terminal 501, business platform 502, Third party system 503 and all-purpose card server 504,
Wherein,
Mobile terminal 501, for receiving the information that user input and mobile POS 500 are sent, generation
Service request is sent to business platform 502, and the service order that business platform 502 is sent is sent into movement
POS 500；
Business platform 502, for being interacted with Third party system 503, after interaction success, to mobile whole
The transmission service order of end 501 or the service request sent according to mobile terminal 501 and all-purpose card server
504 interactions, mobile terminal 501 is sent to by the service order that all-purpose card server 504 is sent.
Mobile POS, the system of card business realizing and the side proposed using the embodiments of the present invention
Method, can complete multiple business, such as business one, using external contact formula bank card or magnetic stripe bank
Card is supplemented with money to city one-card card；Business two, city one-card card is entered using online service
Row is supplemented with money；Business three, using in city one-card card, magnetic stripe bank card and contact bank card
Plant card to be swiped the card, such as consume or transfer accounts；Business four, inquiry city one-card card, magnetic stripe card and connect
Remaining sum of touch card etc..
Above-mentioned business is illustrated by different embodiments separately below.
Embodiment A,
In embodiment A, Third party system be contact card or the corresponding banking system of magnetic stripe card,
The system and method proposed using mobile POS, the embodiment of the present invention complete above-mentioned business one using outer
The process that portion's entity card, i.e. contact card or magnetic stripe card are supplemented with money to city one-card card, referring to
Fig. 6, comprises the following steps：
Step 601：Mobile terminal is linked to the recharging service page of business platform, receives user input
The order supplemented with money to city one-card card using external contact formula card or magnetic stripe card.
In practical business, contact card can be the contact bank card with cpu chip, magnetic stripe card
It can be the magnetic strip bank card with magnetic stripe.
Step 602：Mobile POS is connected on mobile terminal, and mobile POS carries out card seeking treatment,
By city one-card card near noncontact processing unit, noncontact processing unit reads city one and blocks user
The information of logical card, issues safety chip device；
Meanwhile, contact card is connected to contact processing unit by user, or, user exists magnetic stripe card
Treatment of swiping the card is carried out in magnetic strip processing unit；Correspondingly, then by contact processing unit reads contact
The information of formula card is sent to safety chip device, or magnetic strip processing unit reads the information hair of magnetic stripe card
Give safety chip device.
In this step, card image can be including the identity information of card and balance amount information etc..
Step 603：The card image that safety chip device will be received passes through data processing equipment and movement
Communication interface is sent to mobile terminal.
Step 604：Mobile terminal according to the user input in step 601 and the card image that receives,
Generation bank card charging request is simultaneously sent to business platform, and the bank card charging request includes that city one is blocked
The information of logical card and the information or the information of magnetic stripe card of the contact card for paying.
Step 605：Business platform after bank card charging request is received, according in the request be used for branch
The information or the information of magnetic stripe card of the contact card paid, the request that will withhold are sent to corresponding banking system.
Step 606：The banking system carries out treatment of withholing to the account of corresponding contact card or magnetic stripe card.
Here, withhold is to need the amount of money supplemented with money accordingly to be withholdd according to city one-card.
Step 607：Business platform after the success message of withholing that the banking system is sent is received, Xiang Yi
The key application of supplementing with money that cartoon server sends carrying city one-card card identity information is asked.
Step 608：What business platform reception all-purpose card server was sent supplements instruction with money, by mobile terminal
Issue mobile POS.
Step 609：The mobile communication interface device of mobile POS will supplement instruction with money and be sent to data processing
Device, data processing equipment carries out the treatment such as decapsulation of data, is then sent to safety chip device.
Step 610：Safety chip device changes city according to instruction is supplemented with money by noncontact processing unit
Balance amount information in all-purpose card card completes to supplement with money, also, if supplemented with money by contact card, that is, supplements with money
When instruction includes the information of contact card, then external contact is further changed by contact processing unit
Balance amount information in formula card is that completion is withholdd.
Embodiment B,
In embodiment B, when Third party system is Net silver or third-party payment system, using movement
The system and method that POS, the embodiment of the present invention are proposed complete above-mentioned business two using online service to city
The process that city's all-purpose card card is supplemented with money, referring to Fig. 7, comprises the following steps：
Step 701：City one-card card user connects card near mobile POS and by POS
It is connected on mobile terminal, the recharging service page for logging on business platform by mobile terminal selects to supplement work(with money
Energy.
Step 702：Mobile POS carries out card seeking treatment, and noncontact processing unit reads city one-card
The identity information of card, is sent to safety chip device, and safety chip device is according to the identity information for reading
City one-card card is authenticated, after certification passes through, is connect by data processing equipment and mobile communication
City one-card card identity information is sent to mobile terminal by mouth device.
Step 703：Mobile terminal enters according to the utilization online service of user input to city one-card card
The row order (including recharge amount and accounts information etc.) supplemented with money and the city one-card card for receiving
Information, generation online recharge request Concurrency give business platform.
Step 704：Business platform is asked according to online recharge, and the request that will withhold is sent to corresponding Net silver
Or third-party payment system.
Step 705：Corresponding Net silver or third-party payment system according to the request of withholing for receiving, from right
Corresponding recharge amount is deducted in the account answered, the success message that will withhold returns to business platform.
Step 706：After business platform receives success message of withholing, sent to all-purpose card server and carried
The key application of supplementing with money of city one-card card identity information and recharge amount information is asked.
Step 707：All-purpose card server is recognized the card according to city one-card card identity information
Card, after certification passes through, generation is supplemented instruction with money and is sent to business platform.
Step 708：Business platform is supplemented this with money instruction and is sent to mobile terminal, and mobile terminal supplements this with money
Instruction is sent to mobile POS.
Inside mobile POS, supplement instruction with money through mobile communication interface device, data processing equipment and
Safety chip device, reaches noncontact processing unit.
Step 709：Noncontact processing unit in mobile POS, according to instruction is supplemented with money, is the card of city one
Logical card is supplemented with money, that is, change the balance amount information in Bus Card card.
Embodiment C,
In embodiment C, when Third party system is commerce system, using mobile POS, this hair
The system and method that bright embodiment is proposed complete above-mentioned business three using city one-card card, magnetic stripe card and
A kind of card in contact card swiped the card as consume process, referring to Fig. 8, comprise the following steps：
Step 800：The information of current Payment Card is read using mobile POS, and is sent to mobile terminal.
Here, current Payment Card is if city one-card card, then by noncontact processing unit with wireless
Radio frequency transmission mode reads the information of the city one-card card；If current Payment Card is contact card,
The information that contact card is such as read by contact read head is then read by contact processing unit；If worked as
Preceding Payment Card is magnetic stripe card, then the information of magnetic stripe card is read by magnetic strip processing unit.The card information of reading
By safety chip device, data processing equipment and mobile communication interface device are sent to mobile terminal.
Step 801：User selects to need the merchandise news and defeated of purchase in commerce system by mobile terminal
Enter to use any one card in city one-card card, magnetic stripe card and contact card as current payment
Card carries out the order of bankcard consumption, the card that mobile terminal is sent according to user input and mobile POS
Information generation bankcard consumption request, is sent to business platform.
In this step, bankcard consumption request includes the information of current Payment Card, such as current Payment Card is
City one-card card, then be the information of the city one-card card.
Step 802：Commerce system generates corresponding goods orders and is sent to business platform, and business platform exists
After being successfully received the bankcard consumption request sent with mobile terminal after goods orders, obtain and pay key.
In this step, according to the information of current card in bankcard consumption request, correspondence is performed to all-purpose card service
Device when city one-card card (current card for) or to magnetic stripe card (when current card is for magnetic stripe card)/contact
The banking system of formula card (when current card is for contact card) sends and pays key application request, and triggering one blocks
The banking system of logical server or magnetic stripe card/contact card carries out treatment of withholing, that is, change the account of corresponding card
Family balance amount information, is then returned to business platform and pays key.
Step 803：Business platform sends instruction of withholing to mobile terminal.
Step 804：The instruction of withholing that business platform is sent is sent to mobile POS by mobile terminal.
Step 805：Mobile POS receives the instruction of withholing that mobile terminal is sent, it is determined that current pay
Block during for city one-card card or contact card, correspondingly from city one-card card or from contact
Corresponding amount information is deducted in card.
Here, if current Payment Card is magnetic stripe card, moving POS need not carry out treatment of withholing.
Embodiment D
The embodiment realizes above-mentioned business four, inquiry city one-card card, magnetic stripe card and contact card
Remaining sum etc..When implementing, can be completed with mobile terminal with mobile POS, Yong Hu
Being input on mobile terminal needs the current card of inquiry, also, mobile POS is processed by noncontact and filled
The balance amount information for reading city one-card card is put, or magnet type processing unit is by the side of reading of swiping the card
Formula reads the balance amount information of magnetic stripe card, or contact processing unit reads the balance amount information of contact card,
Safety chip device is sent to, is sent to movement eventually by data processing equipment and mobile communication interface device
End, the balance amount information that mobile terminal will be received is shown to user.
As fully visible, the embodiment of the present invention propose mobile POS, the method for card business realizing and
System, at least has the following advantages：
1st, in the embodiment of the present invention, which kind of card business no matter is completed, PC need not be all passed through in user side
Machine connects network side, but connects network side by mobile terminal such as mobile phone etc., because mobile terminal is
The equipment that user carries with, therefore, the embodiment of the present invention can at any time carry out card business, so as to improve
The flexibility of business realizing.
In addition, the embodiment of the present invention can complete the related service of city one-card card, such as, pass through
Web bank's account supplemented with money to city one-card card, by mobile terminal enquiry city one-card card
The remaining sum of piece, carry out purchase and consumption of swiping the card using city one-card card；
And, the embodiment of the present invention can also be realized to magnetic stripe card such as magnetic strip bank card and/or contact
The related service of card such as contact bank card, such as, using mobile terminal enquiry magnetic stripe card such as magnetic strip
The remaining sum of bank card and/or contact card such as contact bank card, using magnetic stripe card such as magnetic strip bank
Card and/or contact card such as contact bank card carry out purchase and consumption of swiping the card；
What is more important, additionally it is possible to realize the associated services of various cards, such as, using magnetic stripe card such as
Magnetic strip bank card and/or contact card such as contact bank card are supplemented with money to city one-card card,
Even if in the case where user does not have Web bank's account, also achieving and city one-card card being supplemented with money,
Therefore the flexibility of business realizing is considerably increased.
2nd, all-purpose card is filled and pays termination function and carry out magnetic by the mobile POS that the embodiment of the present invention is proposed
Bar card, two big functions of contact card read-write capability are integrated in one, and can not only complete to city one-card
Card is supplemented with money and the business such as inquires about, and can also be completed corresponding swiping the card using magnetic stripe card, contact card and paid
Take business, user can complete multiple business, enhance the practicality of equipment using the movement POS；
Such as, the embodiment of the present invention can realize three kinds of bankcard consumptions of mode, i.e., using city one-card
Card is swiped the card, or is swiped the card using magnetic stripe card such as magnetic strip bank card, or utilizes contact card such as contact
Bank card is swiped the card, and user can be arbitrarily selecting a kind of card of mode to carry out bankcard consumption, therefore a POS
Equipment is convenient for users to use for various bankcard consumption modes；
In addition, being supplemented with money to city one-card card, Web bank's account can be used, or utilize magnetic stripe
Formula card such as magnetic strip bank card, or supplemented with money using contact card such as three kinds of modes of contact bank card,
Therefore, a POS can be supplemented with money using various ways completion card, convenient for users to use.
3rd, in one embodiment of the invention, city one-card card can be integrated in inside mobile POS,
Also, the read-write to the city one-card card of the inside is no longer carried out by Radio Transmission Technology, but
It is to realize being connected with city one-card card in the contact mode of physical connection by contact interface device,
So as to carry out the direct read/write of card, so, then will not be subject to periphery electromagnetic environment and artificially move card
Influence, greatly reduce read-write city one-card card mistake, be that the use of user brings very big
It is convenient.
4th, in one embodiment of the invention, mobile POS includes the shifting of multiple different agreement interface types
Dynamic communication interface submodule, so, mobile POS can simultaneously support the shifting with multiple interfaces type
Dynamic terminal connection communication, so as to reduce the limitation to mobile terminal, extends the application of business.
One of ordinary skill in the art will appreciate that：Realize all or part of step of above method embodiment
Can be completed by the related hardware of programmed instruction, foregoing program can be stored in a computer-readable
Take in storage medium, the program upon execution, performs the step of including above method embodiment；And it is foregoing
Storage medium include：ROM, RAM, magnetic disc or CD etc. are various can be with store program codes
Medium.
Finally it should be noted that：The above embodiments are merely illustrative of the technical solutions of the present invention, rather than to it
Limitation；Although being described in detail to the present invention with reference to the foregoing embodiments, the ordinary skill of this area
Personnel should be understood：It can still modify to the technical scheme described in foregoing embodiments, or
Person carries out equivalent to which part technical characteristic；And these modifications or replacement, do not make corresponding skill
The essence of art scheme departs from the spirit and scope of various embodiments of the present invention technical scheme.
Claims (9)
1. a kind of mobile POS, it is characterised in that the movement POS includes：Data processing is filled
Put, safety chip device, noncontact processing unit, contact processing unit and/or magnetic strip treatment are filled
Put and mobile communication interface device, wherein,
Noncontact processing unit, for reading outside city one-card card in wireless radio frequency transmission mode
Information, is sent to safety chip device, after service order is received, in wireless radio frequency transmission mode pair
Outside city one-card card is written and read operation；
Contact processing unit, the information for being read external contact formula card by contact mode is sent
To safety chip device, after service order is received, outside contact card is entered by contact mode
Row read-write operation；
Magnetic strip processing unit, the information for reading external magnetic strip by swiping card mode, is sent to peace
Full chip apparatus；
Safety chip device, for noncontact processing unit, contact processing unit or magnetic strip to be processed
The information that device is sent is sent to data processing equipment；And, sent using data key processing unit
Service order be decrypted, according to the service order after decryption, the service order is sent to noncontact
Processing unit or contact processing unit；
Data processing equipment, the information for that will receive is sent to outside by mobile communication interface device
Mobile terminal, or the service order that outside mobile terminal is sent is received by mobile communication interface device,
It is sent to safety chip device；
The movement POS is further included：Contact interface device and city one-card card,
The safety chip device realizes contact side by the contact interface device with mobile POS
Formula is connected；
The safety chip device, is further used for reading mobile POS by the contact interface device
The information of machine inside city one-card card, data processing dress is sent to by the city one-card card image
Put；And, the service order sent using data key processing unit is decrypted, after decryption
Service order, by the contact interface device to the city one-card card inside mobile POS
It is written and read operation.
2. mobile POS according to claim 1, it is characterised in that the safety chip dress
Put, the private key for preserving the movement POS in the key zone of inaccessible, the private key corresponds to institute
State the public key of the CA certificate of POS, and performed using the private key and described data processing equipment is sent
Service order is decrypted；And/or, the safety chip device is further used for using the mobile POS
The public key of machine is signed to the information for being sent to data processing equipment；And/or, the safety chip dress
The public key being further used in the CA certificate using all-purpose card server is put to the contactless treatment dress
The current balance amount information of city one-card card for putting reading is encrypted, by data processing equipment and shifting
Dynamic communication interface module is sent to mobile terminal.
3. mobile POS according to claim 1 and 2, it is characterised in that the movement is led to
Letter interface arrangement includes the mobile communication interface submodule of multiple different agreement interface types, each agreement
The mobile communication interface submodule of interface type is used for and the mobile terminal with corresponding protocol interface type
Connection is set up, the transmitting-receiving of information is completed.
4. a kind of system of card business realizing, it is characterised in that including in such as claims 1 to 3
Mobile POS described in any one, mobile terminal, business platform, Third party system and a card
Logical server, wherein,
Mobile terminal, for receiving the information that user input and mobile POS are sent, generation business please
Ask and be sent to business platform, the service order that business platform is sent is sent to mobile POS；
Business platform, for being interacted with Third party system, after interaction success, industry is sent to mobile terminal
Business instruction or the service request sent according to mobile phone and all-purpose card server interaction, by all-purpose card
The service order that server is sent is sent to mobile terminal.
5. the system of card business realizing according to claim 4, it is characterised in that
When the Third party system is contact card or the corresponding banking system of magnetic stripe card,
Business platform interacts request of withholing with the banking system, and the banking system is deducted from corresponding account
Corresponding recharge amount, the success message that will withhold returns to business platform；
Correspondingly, the mobile terminal, the recharging service page for being linked to the business platform, root
Utilization external contact formula bank card or magnetic stripe bank card according to user input enter to city one-card card
Contact card or the information of magnetic stripe card that the order and mobile POS that row is supplemented with money are sent, generate as institute
State the bank card charging request of service request and be sent to business platform, all-purpose card server is passed through into business
Mobile POS is issued in the instruction of supplementing with money as service order that platform is sent；
Correspondingly, business platform, after charging request is received, the request that will withhold is sent to the bank
System, after success message of withholing is received, performs and sends carrying city one-card to all-purpose card server
Card identity information supplement with money key application request, then receive all-purpose card server send as business
What is instructed supplements instruction with money；
Correspondingly, the mobile POS, instruction is supplemented with money according to what mobile terminal was sent, changes city
Balance amount information in all-purpose card card, also, if supplemented with money by contact card, then further modification is outer
Balance amount information in portion's contact card；
Or,
When the Third party system is commerce system, the commerce system is used to detect user by movement
Commodity and blocked using any one in city one-card card, magnetic stripe card and contact card that terminal is selected
After the information that piece is paid as current Payment Card, generate corresponding goods orders and be sent to business platform；
Correspondingly, business platform, is further used for being successfully received goods orders and bankcard consumption request
Afterwards, correspondence is performed to all-purpose card server or pays close to the banking system transmission of magnetic stripe card/contact card
Key application is asked, and the banking system of triggering all-purpose card server or magnetic stripe card/contact card carries out the place that withholds
Reason, after business platform is obtained and pays key, transmission withholds instruction to mobile terminal；
Correspondingly, the mobile terminal, for use city one-card card, magnetic according to user input
Any one card in bar card and contact card as current Payment Card carry out the order of bankcard consumption with
And the information of card that mobile POS is sent, the generation bankcard consumption request and business as described in is asked
Ask and be sent to business platform, the instruction of withholing as service order that business platform is sent is sent to movement
POS；
Correspondingly, the order of withholing that the mobile POS is sent according to mobile terminal, it is determined that current
Payment Card be city one-card card or contact card when, correspondingly from outside city one-card card or
Person deducts corresponding amount information from contact card；
Or,
When the Third party system is Net silver or third-party payment system, business platform and the Net silver or the
Tripartite's payment system interacts request of withholing, and corresponding recharge amount is deducted from corresponding account, will withhold
Success message returns to business platform；
Correspondingly, the mobile terminal, the recharging service page for being linked to the business platform, root
According to user input the order supplemented with money to city one-card card using online service and receive
City one-card card information, generation given as the online recharge request Concurrency of the service request
Business platform, supplements all-purpose card server with money instruction hair by what business platform was sent as service order
To mobile POS；
Correspondingly, business platform, after the online recharge request is received, the request that will withhold is sent to
The Net silver or third-party payment system, after success message of withholing is received, perform to all-purpose card service
The key application of supplementing with money that device sends carrying city one-card card identity information is asked；
Correspondingly, the mobile POS, instruction is supplemented with money according to what mobile terminal was sent, changes city
Balance amount information in all-purpose card card.
6. the system of the card business realizing according to claim 4 or 5, it is characterised in that
The micro usb interfaces of the mobile communication interface device of the mobile POS and the mobile terminal
Or sd card interfaces are connected.
7. the system of the card business realizing according to claim 4 or 5, it is characterised in that
Safety chip device in the mobile POS is using the public key of the movement POS to transmission
Information is encrypted；
The mobile terminal is sent out mobile POS further with the private key of the correspondence mobile POS
The information come is decrypted.
8. a kind of mobile POS based on described in any one in claims 1 to 3 realizes card industry
The method of business, it is characterised in that the method includes：
A, mobile POS read outside card information and are then sent to mobile terminal, reading external card letter
Breath includes：By the information of the outside city one-card card of noncontact processing unit reading, by contact
Processing unit is read the information of external contact formula card and is read with swiping card mode by magnetic strip processing unit
It is one or several in the information three of external magnetic strip；
B, mobile terminal receive the information that user input and mobile POS are sent, generation service request hair
Give business platform；
C, business platform are interacted with Third party system, after interaction success, business are sent to mobile terminal
Instruction or the service request sent according to mobile phone and all-purpose card server interaction, all-purpose card is taken
The service order that business device is sent is sent to mobile terminal；
The service order that business platform is sent is sent to mobile POS by D, mobile terminal；
E, mobile POS trigger card processing operations according to the service order for receiving.
9. method according to claim 8, it is characterised in that
In step B, the user input is：Using external contact formula card or magnetic stripe card to city one
The order that cartoon card is supplemented with money；
In step A, reading outside card information is：City one is read by noncontact processing unit
The information of cartoon card；And, by contact processing unit read external contact formula card information or
The information of external magnetic strip is read with swiping card mode by magnetic strip processing unit；
In step B, the service request is：Bank card charging request；
Step C includes：Business platform banking system interaction corresponding with contact card or magnetic stripe card is withholdd
Information, the banking system is withholdd to corresponding bank card account, and business platform is receiving success message of withholing
Afterwards, sent to all-purpose card server and supplement key application request with money, then receive what all-purpose card server was sent
Instruction is supplemented with money as service order, be sent to mobile terminal；
Step E includes：Mobile POS supplements instruction with money according to what is received, is processed by noncontact and filled
Put the balance amount information of modification city one-card card；Also, include the letter of contact card when instruction is supplemented with money
During breath, the balance amount information of contact card is also changed by contact processing unit；
Or,
In step B, the user input is：City one-card card is filled using online service
The order of value；
In step A, reading outside card information is：City one is read by noncontact processing unit
The information of cartoon card；
In step B, the service request is：Online recharge is asked；
Step C includes：Business platform interacts the information of withholing with Net silver or third-party payment system, in button
After money success, key Shen is supplemented with money to all-purpose card server transmission carrying city one-card card identity information
Please ask, what then reception all-purpose card server was sent supplements instruction with money as service order, is sent to shifting
Dynamic terminal；
Step E includes：Mobile POS supplements instruction with money according to what is received, is processed by noncontact and filled
Put the balance amount information of modification city one-card card；
Or,
In step B, the user input is：Use city one-card card, magnetic stripe card and contact
Any one card in card carries out the order of bankcard consumption as current Payment Card；
In step A, reading outside card information is：It is corresponding to pass through according to the user input
Noncontact processing unit reads the information of outside city one-card card, or by contact processing unit
The information of external contact formula card is read, or, read with swiping card mode by magnetic strip processing unit outside
The information of magnetic stripe card；
In step B, the service request is：Bankcard consumption is asked；
Step C includes：Commerce system generates corresponding goods orders and is sent to business platform, and business is put down
After platform receives goods orders and bankcard consumption request, correspondence is performed to all-purpose card server or to magnetic stripe card
The banking system transmission payment key application request of/contact card, triggering all-purpose card server or magnetic stripe card/
The banking system of contact card carries out treatment of withholing, and business platform is obtained after paying key and sent out to mobile terminal
Sending buckle money is instructed；
Step E includes：Mobile POS receives instruction of withholing, it is determined that current Payment Card is city one
When cartoon card or contact card, correspondingly deduct right from city one-card card or from contact card
The amount information answered.
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| CN201310305720.4A CN103400460B (en) | 2013-07-22 | 2013-07-22 | Mobile POS, the system and method for card business realizing |
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| CN201310305720.4A CN103400460B (en) | 2013-07-22 | 2013-07-22 | Mobile POS, the system and method for card business realizing |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103903132A (en) * | 2014-03-21 | 2014-07-02 | 常州爱索电子有限公司 | Double-frequency near field payment POS terminal system |
| CN104050557A (en) * | 2014-05-19 | 2014-09-17 | 交通银行股份有限公司内蒙古自治区分行 | User card balance data processing method and system |
| CN105303375A (en) * | 2014-06-13 | 2016-02-03 | ***股份有限公司 | Mobile payment system and method |
| CN105205661A (en) * | 2015-08-31 | 2015-12-30 | 盛世铸成科技（天津）有限公司 | NFC-based payment method |
| CN108038963B (en) * | 2015-09-01 | 2019-12-20 | 吴杰 | Remote electricity selling system based on all-purpose card and adopting ARM9 processor |
| CN105185004B (en) * | 2015-09-09 | 2018-04-06 | 建亿通（北京）数据处理信息有限公司 | A kind of POS, card operation system and implementation method |
| CN107038824A (en) * | 2017-04-21 | 2017-08-11 | 深圳国微技术有限公司 | A kind of POS terminal processing method and POS |
| CN110942313A (en) * | 2019-12-02 | 2020-03-31 | 北京市燃气集团有限责任公司 | Gas card interaction method, gas card payment method and gas card reader |
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| CN201278168Y (en) * | 2008-07-29 | 2009-07-22 | 北京牡丹齐通科技发展有限公司 | Combined electronic payment terminal |
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