CN103577980A - Wireless payment change returning system and corresponding method - Google Patents
Wireless payment change returning system and corresponding method Download PDFInfo
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- CN103577980A CN103577980A CN201210271514.1A CN201210271514A CN103577980A CN 103577980 A CN103577980 A CN 103577980A CN 201210271514 A CN201210271514 A CN 201210271514A CN 103577980 A CN103577980 A CN 103577980A
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- 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
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Abstract
Provided are a wireless payment change returning system and a corresponding method. The wireless payment change returning system comprises a payment center (1), POS terminals (2) arranged for collection merchants, merchant cards (3) arranged in the POS terminals (2), and change cards (4) issued to users. The payment center (1) is provided with store accounts of the collection merchants and change accounts of the users. When the users pay money to the collection merchants and change making occurs, the collection merchants read card numbers of the merchant cards (3) and the change cards (4) which are then connected to the payment center (1) through a mobile telephone network (5), the money for the change making is extracted from corresponding store accounts of the merchant cards (3) through the payment center (1) to be stored to corresponding change accounts of the change cards (4), and balances of the change accounts are transmitted to the POS terminals (2) to show the balances to the users. By the adoption of the system and the method, coin change can be comprehensively replaced, and electronic payment is promoted.
Description
[technical field]
The present invention relates to financial payment technical field, particularly relate to a kind of wireless payment change and look for continuous system and correlation method.
[background technology]
The processing of coin change is the problem that people's daily life often runs into, when purchase and consumption is paid the bill, often include coin change looking in continuous, because the coin amount of money is little, be inconvenient to carry, some people does not use for a long time looking for the coin that continues to be placed on family, and government spends to put the new coin into circulation again like this.Enough coins also often will be prepared in shop on the other hand, just can deal with to look for continuously, if coin change is not enough dealt with and looked for continuously, client may Cancel Transaction, and to other shop, go shopping, and shop is looked for aspect continuous change and paid many costs at this.In addition, coin non-Chang Dirty is dirty, has a lot of bacterial viruses, the disease that can spread disease, as SARS, influenza, skin disease etc., if people is in spite of illness with coin shopping payment, this coin can toss about in bed through a plurality of different people on hand, bacterial virus spread out to be gone in one day.Day by day universal along with paying by mails, how by E-Payment, properly settle change and look for continuously, being one has problem to be solved.
[summary of the invention]
Object of the present invention, is to provide a kind of wireless payment change to look for continuous system and correlation method, to realize, solves change look for continuous multiple application by E-Payment.
The object of the present invention is achieved like this, adopt a kind of like this wireless payment change to look for continuous system, for trade company's revenue and expenditure, pay and look for continuous change purposes, it is characterized in that, described system includes paying centre (1), be located at the POS terminal (2) of the trade company that respectively collects money and be placed in the trade company's card (3) in POS terminal (2), be issued to user's change card (4), wherein, paying centre (1) is connected with each POS terminal (2) phase telecommunication by mobile telephone network (5), Bing Yu bank (6) payment network phase telecommunication connects, paying centre (1) is provided with the shop account of the trade company that respectively collects money and is provided with each user's change account, the shop account of each gathering trade company is to each POS terminal (2) of the trade company that should collect money and trade company card (3) and bank account, each user's change account is to change card (4) and bank account that should user, and, gathering trade company turns money to its shop account by paying centre (1) from the bank account of this gathering trade company, when user pays and occurs looking for when continuous in gathering trade company, gathering trade company reads the card number of trade company's card (3) and change card (4) by POS terminal (2), then by mobile telephone network (5), be wired to paying centre (1), the shop account that request paying centre (1) Cong Gai trade company card (3) is corresponding extracts and looks for the money of the continuous amount of money to be deposited into the change account that this change card (4) is corresponding, paying centre (1) sends back this change account's surplus after change account POS terminal (2) and is shown to user and sees looking for renewing, and, paying centre during clearing (1) turns the part amount of money of change account's surplus to be deposited into bank account corresponding to this change account.
And, adopt a kind of like this wireless payment change to look for continuous systems approach, adopt system as previously described, for trade company's revenue and expenditure, pay and look for continuous change purposes, it is characterized in that, described method comprises: following step: the step that gathering trade company supplements with money its shop account by paying centre (1); Continuous step is looked for by POS terminal (2) by gathering trade company; The step that settle accounts user's change account paying centre (1).
So just realized well object of the present invention.
The advantage of system and method for the present invention is that shop need not prepare that coin is in kind looks for continuous purposes, it is all that to look for continuous change be directly by electronic payment mode, to deposit in client's change account, client also need not collect coin change, and the cost of processing coin change can be saved in shop.Aspect client, because all continuous change of looking for all deposits in change account, client need not check and accept coin change, just can not occur because the coin amount of money is few and be inconvenient to carry the no waste situation at home of putting.
[accompanying drawing explanation]
Fig. 1 is the structural representation key diagram that wireless payment change of the present invention is looked for continuous system;
Fig. 2 is the structural representation key diagram of POS terminal of the present invention (2).
In figure, the device that identical digitized representation is identical, parts device, accompanying drawing is schematically, in order to formation of the present invention and principal character to be described.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the structural representation key diagram that wireless payment change of the present invention is looked for continuous system, system shown in Fig. 1 includes paying centre (1), be located at the POS terminal (2) of the trade company that respectively collects money and be placed in the trade company's card (3) in POS terminal (2), be issued to user's change card (4), wherein, paying centre (1) is connected with each POS terminal (2) phase telecommunication by mobile telephone network (5), Bing Yu bank (6) payment network phase telecommunication connects, paying centre (1) is provided with the shop account of the trade company that respectively collects money and is provided with each user's change account, the shop account of each gathering trade company is to each POS terminal (2) of the trade company that should collect money and trade company card (3) and bank account, each user's change account is to change card (4) and bank account that should user, trade company card (3) is exactly to look for the voucher of the merchant identification of collecting money while continuing carrying out change in the present invention, and change card (4) is exactly the voucher of client's identity, and, gathering trade company turns money to its shop account by paying centre (1) from the bank account of this gathering trade company, when user pays and occurs looking for when continuous in gathering trade company, gathering trade company reads the card number of trade company's card (3) and change card (4) by POS terminal (2), then by mobile telephone network (5), be wired to paying centre (1), the shop account that request paying centre (1) Cong Gai trade company card (3) is corresponding extracts and looks for the money of the continuous amount of money to be deposited into the change account that this change card (4) is corresponding, paying centre (1) sends back this change account's surplus after change account POS terminal (2) and is shown to user and sees looking for renewing, and, paying centre during clearing (1) turns the part amount of money of change account's surplus to be deposited into bank account corresponding to this change account.
Consult Fig. 2, Fig. 2 is the structural representation key diagram of POS terminal of the present invention (2), in POS terminal (2) shown in Fig. 2, be provided with the first smart card read-write device (201), the second smart card read-write device (202), the 3rd smart card read-write device (203), credit card reading device (204), debit card reading device (205), the first mobile phone module (206), the second mobile phone module (207), wherein, the first smart card read-write device (201) is for reading the card number of trade company's card (3); The second smart card read-write device (202) is for reading the card number of user's change card (4); The 3rd smart card read-write device (203) is for reading and writing the contactless smart card (7) of user for paying; Credit card reading device (204) is for reading the credit card (8) of user for paying; Debit card reading device (205) is for reading the debit card (9) of user for paying; The first mobile phone module (206) is sent to paying centre (1) for information exchange being crossed to mobile telephone network (5); The second mobile phone module (207) is for receiving the information that is sent to POS terminal (2) by paying centre (1) by mobile telephone network (5).System of the present invention is looked for continuous function except possessing change, has also gathered the bank settlement function of credit card, debit card, contactless payment etc., can for the bank settlement of all trades and professions, apply comprehensively.
Continue to consult Fig. 1 and Fig. 2, paying centre shown in Fig. 1 (1) is provided with the communication apparatus communicating for first mobile phone module (206) of the POS terminal (2) of Yu Ge trade company and the second mobile phone module (207), and, in the first mobile phone module (206) shown in Fig. 2 and the second mobile phone module (207), be respectively equipped with for accessing the SIM card of mobile telephone network (5), the ability to communicate of the first mobile phone module (206) and the second mobile phone module (207) is restricted to and can only communicates by mobile telephone network (5) and paying centre (1), can not communicate with other mobile phones or telephone device.
In the present invention, communication between paying centre (1) and POS terminal (2), to be undertaken by the first mobile phone module (206) and second mobile phone module (207) of POS terminal (2), wherein, the first mobile phone module (206) is for being sent to paying centre (1) from POS terminal (2) by mobile telephone network (5) by information, the second mobile phone module (207) receives the information that is sent to POS terminal (2) by paying centre (1) by mobile telephone network (5) for POS terminal (2), and, paying centre (1) and POS terminal (2) communication between the two, the wherein mobile phone module that the information exchange that wherein a side sends is crossed mobile telephone network (5) is sent to after the other side, can through another mobile phone module and mobile telephone network (5), information be transmitted to return to check by the other side, form an annular information flow direction, whether by sending a side, to check the information that sends to the other side's information to return with transmission consistent, can confirmation when consistent accurately send the other side to, when inconsistent, represent that information may lose or be altered in transport process.For example, when paying centre (1) sends to POS terminal (2) by information, paying centre (1) is crossed the second mobile phone module (207) by information exchange and is sent POS terminal (2) to, POS terminal (2) sends back paying centre (1) by the first mobile phone module (206) after receiving information again, paying centre (1) check the information of transmit whether with send before consistent, just know that information has in transport process, not to be tampered.When for example POS terminal (2) sends to paying centre (1) by information again, POS terminal (2) is crossed the first mobile phone module (206) by information exchange and is sent paying centre (1) to, paying centre (1) sends back POS terminal (2) by the second mobile phone module (207) after receiving information again, POS terminal (2) check the information of transmit whether with send before consistent, just know that information has in transport process, not to be tampered.For convenience of description, in the description of each step in this manual, omitted the relevant description that utilizes another mobile phone module that information is passed back, in the explanation of each step, although do not write out paying centre (1) and POS terminal (2), both are returned to information the other side's description, are all to have comprised relevant part.
Aspect arranging, gathering trade company will be in advance in paying centre (1) offer the bank account number of a shop account and registration gathering trade company, and in gathering trade company, one to multiple POS terminal (2) and trade company's card (3) being set, gathering trade company will register its responsible official's cell-phone telephone number simultaneously and set a password for confirming to supplement with money; Aspect client, client can (1) offer a change account and an application change card (4) in paying centre, and register client's bank account number, client is that user just can be when consumption payment later, change card (4) is put into POS terminal (2) upper, requires cashier will look for continuous change to deposit in the corresponding change account of this change card (4).
Further improvement of the present invention, to add GPS orientator in POS terminal (2), all POS terminals (2) send to the information of paying centre (1), all add the geographical location information of obtaining from GPS orientator, whether by paying centre (1), check POS terminal (2) works in the position range of appointment, can further improve the security of system of the present invention, effectively prevent that POS terminal (2) is moved on to other places to be used.In addition, further improvement of the present invention, that POS terminal (2) is while starting for the first time power supply start every day, capital is wired to paying centre (1), by paying centre (1), sent a telegraph again the responsible official's of gathering trade company mobile phone, after this responsible official's incoming call answering, to press password confirming at mobile phone, after confirming successfully, paying centre (1) just sends permission start-up command to POS terminal (2), POS terminal (2) receives that this allows just can start working after start-up command, otherwise POS terminal (2) meeting break-off, until receive permission start-up command.
In the present invention, described change card (4) is contact type intelligent card, the smart card of Mifare smart card of Bus Card smart card, Philip etc. and so on for example, and described trade company card (3) is smart card, comprises contact intelligent card or contact type intelligent card.
The method that wireless payment change of the present invention looks for continuous system to adopt, comprises following step: the step that gathering trade company supplements with money its shop account by paying centre (1); Continuous step is looked for by POS terminal (2) by gathering trade company; The step that settle accounts user's change account paying centre (1).Below respectively relevant step is elaborated.
The firstth, following A group step, is the step that gathering trade company supplements with money its shop account, and concrete A group step is as follows:
A1. the responsible official of trade company of collecting money uses its mobile phone to paying centre (1), to initiate charging request by mobile telephone network (5) photos and sending messages, or by POS terminal (2) by mobile telephone network (5) to paying centre (1) initiate charging request, or paying centre (1) while finding that shop account's surplus is less than designated amounts paying centre (1) automatically initiate charging request;
A2. paying centre (1) is used the telephone line of assigned telephone number to send a telegraph the responsible official's of gathering trade company mobile phone, this responsible official knows it is the incoming call of paying centre (1) from caller ID, paying centre after incoming call answering (1) plays to this responsible official by computerized speech by recharge amount information and checks, and agrees to just supplement with money supplement with money by password confirming after this responsible official's confirmation;
A3. paying centre (1) password check errorless after, the money of this recharge amount is entered in corresponding shop account from the bank account unloading of this gathering trade company;
A4. supplement rear paying centre (1) with money and sent short messages to the gathering responsible official's of trade company mobile phone, notified him to complete the up-to-date surplus of supplementing with money with shop account.
The secondth, following B group step, is the step that continuous change is looked for by gathering trade company, and concrete B group step is as follows:
B1. when user pays and occurs looking for when continuous in gathering trade company, user is put into its change card (4) on second smart card read-write device (202) of the gathering POS of trade company terminal (2);
B2.POS terminal (2) reads the card number of trade company card (3) by the first smart card read-write device (201) and by the second smart card read-write device (202), reads the card number of user's change card (4), then by the first mobile phone module (206) and mobile telephone network (5) by trade company block (3) card number, change card (4) card number, look for and continue the amount of money and be sent to paying centre (1);
B3. shop account that paying centre (1) Cong Gai trade company card (3) is corresponding extracts and looks for the money of the continuous amount of money to be deposited into the change account that this change card (4) is corresponding, then this change account's surplus is sent back to POS terminal (2) and is shown to user and sees.
The 3rd is following C group step, is the step that settle accounts user's change account paying centre (1), and concrete C group step is as follows:
C1. when user's change account balance surpasses designated amounts, paying centre (1) forwards the money of designated amounts to this user's bank account from this change account;
C2. send short messages to this user's mobile phone paying centre (1), notifies him from change account, to forward the money of designated amounts to his bank account and this change account's up-to-date surplus.
Below describe wireless payment change of the present invention in detail and looked for continuous system and correlation method, although the present invention is illustrated with the above embodiments, but the present invention is not limited to this, in the situation that do not leave the scope of spirit of the present invention and appended claims, can do multiple change and variation.
Enforcement of the present invention, can effectively solve coin change and look for continuous brought problem, creates good economic and social benefit.
Claims (10)
1. a wireless payment change is looked for continuous system, for trade company's revenue and expenditure, pay and look for continuous change purposes, it is characterized in that, described system includes paying centre (1), be located at the POS terminal (2) of the trade company that respectively collects money and be placed in the trade company's card (3) in POS terminal (2), be issued to user's change card (4), wherein, paying centre (1) is connected with each POS terminal (2) phase telecommunication by mobile telephone network (5), Bing Yu bank (6) payment network phase telecommunication connects, paying centre (1) is provided with the shop account of the trade company that respectively collects money and is provided with each user's change account, the shop account of each gathering trade company is to each POS terminal (2) of the trade company that should collect money and trade company card (3) and bank account, each user's change account is to change card (4) and bank account that should user, and, gathering trade company turns money to its shop account by paying centre (1) from the bank account of this gathering trade company, when user pays and occurs looking for when continuous in gathering trade company, gathering trade company reads the card number of trade company's card (3) and change card (4) by POS terminal (2), then by mobile telephone network (5), be wired to paying centre (1), the shop account that request paying centre (1) Cong Gai trade company card (3) is corresponding extracts and looks for the money of the continuous amount of money to be deposited into the change account that this change card (4) is corresponding, paying centre (1) sends back this change account's surplus after change account POS terminal (2) and is shown to user and sees looking for renewing, and, paying centre during clearing (1) turns the part amount of money of change account's surplus to be deposited into bank account corresponding to this change account.
2. wireless payment change as claimed in claim 1 is looked for continuous system, it is characterized in that, in described POS terminal (2), be provided with the first smart card read-write device (201), the second smart card read-write device (202), the 3rd smart card read-write device (203), credit card reading device (204), debit card reading device (205), the first mobile phone module (206), the second mobile phone module (207), wherein, the first smart card read-write device (201) is for reading the card number of trade company's card (3); The second smart card read-write device (202) is for reading the card number of user's change card (4); The 3rd smart card read-write device (203) is for reading and writing the contactless smart card (7) of user for paying; Credit card reading device (204) is for reading the credit card (8) of user for paying; Debit card reading device (205) is for reading the debit card (9) of user for paying; The first mobile phone module (206) is sent to paying centre (1) for information exchange being crossed to mobile telephone network (5); The second mobile phone module (207) is for receiving the information that is sent to POS terminal (2) by paying centre (1) by mobile telephone network (5).
3. wireless payment change as claimed in claim 2 is looked for continuous system, it is characterized in that, described paying centre (1) is provided with the communication apparatus communicating for first mobile phone module (206) of the POS terminal (2) of Yu Ge trade company and the second mobile phone module (207), and, in described the first mobile phone module (206) and the second mobile phone module (207), be respectively equipped with for accessing the SIM card of mobile telephone network (5), the ability to communicate of the first mobile phone module (206) and the second mobile phone module (207) is restricted to and can only communicates by mobile telephone network (5) and paying centre (1).
4. wireless payment change as claimed in claim 1 is looked for continuous system, it is characterized in that, described change card (4) is contact type intelligent card.
5. wireless payment change as claimed in claim 1 is looked for continuous system, it is characterized in that, described trade company's card (3) is smart card, comprises contact intelligent card or contact type intelligent card.
6. a wireless payment change is looked for continuous systems approach, the system of employing as described in claim 1 to 5 any one, for trade company's revenue and expenditure, pay and look for continuous change purposes, it is characterized in that, described method comprises following step: the step that gathering trade company supplements with money its shop account by paying centre (1); Continuous step is looked for by POS terminal (2) by gathering trade company; The step that settle accounts user's change account paying centre (1).
7. wireless payment change as claimed in claim 6 is looked for continuous systems approach, it is characterized in that, in described step, communication between paying centre (1) and POS terminal (2), to be undertaken by the first mobile phone module (206) and second mobile phone module (207) of POS terminal (2), wherein, the first mobile phone module (206) is for being sent to paying centre (1) from POS terminal (2) by mobile telephone network (5) by information, the second mobile phone module (207) receives the information that is sent to POS terminal (2) by paying centre (1) by mobile telephone network (5) for POS terminal (2), and, paying centre (1) and POS terminal (2) communication between the two, the wherein mobile phone module that the information exchange that wherein a side sends is crossed mobile telephone network (5) is sent to after the other side, can through another mobile phone module and mobile telephone network (5), information be transmitted to return to check by the other side, whether by sending a side, to check the information that sends to the other side's information to return with transmission consistent, can confirmation when consistent accurately send the other side to, when inconsistent, represent that information may lose or be altered in transport process.
8. the wireless payment change as described in claim 6 or 7 is looked for continuous systems approach, it is characterized in that, described method comprises following A group step, is the step that gathering trade company supplements with money its shop account, and concrete A group step is as follows:
A1. the responsible official of trade company of collecting money uses its mobile phone to paying centre (1), to initiate charging request by mobile telephone network (5) photos and sending messages, or by POS terminal (2) by mobile telephone network (5) to paying centre (1) initiate charging request, or paying centre (1) while finding that shop account's surplus is less than designated amounts paying centre (1) automatically initiate charging request;
A2. paying centre (1) is used the telephone line of assigned telephone number to send a telegraph the responsible official's of gathering trade company mobile phone, this responsible official knows it is the incoming call of paying centre (1) from caller ID, paying centre after incoming call answering (1) plays to this responsible official by computerized speech by recharge amount information and checks, and agrees to just supplement with money supplement with money by password confirming after this responsible official's confirmation;
A3. paying centre (1) password check errorless after, the money of this recharge amount is entered in corresponding shop account from the bank account unloading of this gathering trade company;
A4. supplement rear paying centre (1) with money and sent short messages to the gathering responsible official's of trade company mobile phone, notified him to complete the up-to-date surplus of supplementing with money with shop account.
9. the wireless payment change as described in claim 6 or 7 is looked for continuous systems approach, it is characterized in that, described method comprises following B group step, is the step that continuous change is looked for by gathering trade company, and concrete B group step is as follows:
B1. when user pays and occurs looking for when continuous in gathering trade company, user is put into its change card (4) on second smart card read-write device (202) of the gathering POS of trade company terminal (2);
B2.POS terminal (2) reads the card number of trade company card (3) by the first smart card read-write device (201) and by the second smart card read-write device (202), reads the card number of user's change card (4), then by the first mobile phone module (206) and mobile telephone network (5) by trade company block (3) card number, change card (4) card number, look for and continue the amount of money and be sent to paying centre (1);
B3. shop account that paying centre (1) Cong Gai trade company card (3) is corresponding extracts and looks for the money of the continuous amount of money to be deposited into the change account that this change card (4) is corresponding, then this change account's surplus is sent back to POS terminal (2) and is shown to user and sees.
10. the wireless payment change as described in claim 6 or 7 is looked for continuous systems approach, it is characterized in that, described method comprises following C group step, is the step that settle accounts user's change account paying centre (1), and concrete C group step is as follows:
C1. when user's change account balance surpasses designated amounts, paying centre (1) forwards the money of designated amounts to this user's bank account from this change account;
C2. send short messages to this user's mobile phone paying centre (1), notifies him from change account, to forward the money of designated amounts to his bank account and this change account's up-to-date surplus.
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| CN201210271514.1A CN103577980A (en) | 2012-07-31 | 2012-07-31 | Wireless payment change returning system and corresponding method |
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| CN109416798A (en) * | 2016-06-24 | 2019-03-01 | 维萨国际服务协会 | Removable identification element with access credentials |
| CN109416798B (en) * | 2016-06-24 | 2022-05-31 | 维萨国际服务协会 | Removable marking element with access credentials |
| CN112184450A (en) * | 2020-10-13 | 2021-01-05 | 中国联合网络通信集团有限公司 | Block chain-based transaction settlement method, transaction node, device and medium |
| CN112184450B (en) * | 2020-10-13 | 2023-06-20 | 中国联合网络通信集团有限公司 | Transaction settlement method, transaction node, device and medium based on blockchain |
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