CN103903133B - A kind of high security POS system and its payment processing method - Google Patents
A kind of high security POS system and its payment processing method Download PDFInfo
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- CN103903133B CN103903133B CN201410140140.9A CN201410140140A CN103903133B CN 103903133 B CN103903133 B CN 103903133B CN 201410140140 A CN201410140140 A CN 201410140140A CN 103903133 B CN103903133 B CN 103903133B
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- payment
- pos
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- checking
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Abstract
The present invention provides a kind of high security POS system, including payment verification module, dynamic socket module, POS, payment system.Wherein, whether payment verification module determines to pay request by the checking for allowing to pay, and POS, which is directed to, to be performed swiping card by the payment request of the checking and generate payment data bag；Payment system carries out actual delivery according to the payment data bag generated by POS and operated.The authority of the POS is controlled, and refuses the payment request without the payment verification module.Present invention also offers corresponding payment processing method.Delivery operation of the present invention to POS realizes to be monitored in advance, can thoroughly be avoided from technological approaches without the incomplete cCredit card payment of examination ＆ approval checking or examination ＆ approval；Collecting and transmit automatically for payment is realized in link of swiping the card, artificial the step of collecting and inputting payment amount is eliminated, reduces human error risk, additionally it is possible to by backing up account operate without card；Improve the security and efficiency of POS payment.
Description
Technical field
The application is related to POS payment systems, more particularly, to a kind of high security POS system and its pays communication
Method.
Background technology
Using bank card, cCredit card payment has become a kind of very universal capital settlement mode in POS.POS is
With the headend equipment of bank main networking, by the swiping card in POS, received by POS pay ask and read with
The related information of type of transaction, account, the amount of money, and these information transmissions are performed into payment to bank main by bank main
Reason, processing completes backward POS and returns to knot reason data, so as to complete delivery operation.
For the user of large-scale grouping of the world economy, every year by the payment funding performed by POS often, amount it is big,
Therefore in order to ensure security, it is necessary to carry out necessary control to the payment performed by POS.However, existing POS branch
Systemic-function imperfection is paid, the demand can not be fully met, the limitation performance of its function is in the following areas：First, POS
Machine and the financial information system of user depart from；General group user all can on its computer network installation and operation financial information
System, foreign payment wants the typing financial information system and carries out examination ＆ verification confirmation according to predetermined flow, then again by POS system
System carries out actual payment by swiping the card, but the POS itself is to paying no control ability, for a certain branch received
Request is paid, POS should can not ask whether on financial information system by intended flow by examining to confirm so as to have
Legitimacy is verified, in the case where paying request without the checking of financial information system, still can be completed by POS
Pay, this obviously opens outlet for illegal foreign payment operation, can influence security.Secondly, related to when being swiped the card using POS
And payment to be manually entered by numeric keypad, easily occur amount mistake；Moreover, each pay will be through
The swiping card crossed in a POS, in concentrating payment in the presence of manual operation repeatedly, influence efficiency.It is it can be seen that existing
POS system and its payment processing method less adapt to requirement of the large-scale grouping of the world economy user in terms of security and high efficiency, need
Improved.
The content of the invention
For the above-mentioned condition and defect of prior art, the invention provides a kind of high security POS system and its branch
Pay communication means.The perfect control function to POS delivery operation of the present invention, only examine and verify by financial information system
Legitimacy pay request can be accepted by POS and carry out delivery operation；In link of swiping the card, converged automatically by POS system
Total payoff numeral, moreover it is possible to by backing up account operate without card, the step of eliminating many manual operations, improve payment and grasp
The security and payment speed of work.
High security POS system of the present invention, it is characterised in that including payment verification module, dynamic socket mould
Block, POS, payment system；Wherein,
Payment verification module, ask to determine if the checking by allowing to pay for paying, for testing by described
The payment request of card, payment instruction is initiated to dynamic socket module；
Dynamic socket module, for receiving the payment instruction of payment verification module transmission and being forwarded to POS, receive POS
The payment data bag of machine transmission is simultaneously forwarded to payment system, and receives the returned data that payment system is sent and be forwarded to POS
Machine；
POS, for the payment instruction according to the dynamic socket module forwards, gathered by swiping card related
Data, and return to payment data bag to dynamic socket module；And receive and handle by the dynamic socket module forwards
Returned data；
Payment system, for receiving the payment data bag of the dynamic socket module forwards and carrying out actual delivery behaviour
Make, and the actual delivery operates and sends returned data to the dynamic socket module after terminating.
Preferably, the payment instruction includes the payment amount total value and payment accounts of one or many delivery operations
Information.
Preferably, the payment verification module has secondary checking interface, and the payment system is receiving the payment
After packet, secondary checking interface is called to verify whether the payment instruction in the payment data bag is sent out by payment verification module
Go out, and actual delivery operation is performed in the case of secondary be verified, otherwise terminate the operation.
Preferably, the POS pays managing detailed catalogue according to the returned data generation received and sent to institute
State dynamic socket module；Managing detailed catalogue is paid described in dynamic socket module forwards.
Preferably, the non-payment instruction initiated through the payment verification module of POS refusal.
Preferably, the POS verifies card ID and the payment that the payment instruction includes by the swiping card
Whether account information is consistent and gathers the payment cipher of card.
By system above, present invention also offers a kind of high security POS payment processing method, it is characterised in that
Comprise the following steps：
Payment verification step, ask to determine if the checking by allowing to pay for paying, for testing by described
The payment request of card, initiates payment instruction；
POS is swiped the card step, is received simultaneously according to the payment instruction, is performed swiping card collection related data, and raw
Sent into payment data Bao Bingxiang payment systems；
Actual delivery step, for receiving the payment data bag and the information progress reality in the payment data bag
Delivery operation, returned data is sent after actual delivery operation terminates.
Payment affirmation step, the returned data is received and handled by POS.
Preferably, the payment instruction includes the payment amount total value and payment accounts of one or many delivery operations
Information；And the non-payment instruction initiated through the payment verification step is refused by the POS.
Preferably, methods described first carries out secondary verification step before the execution of actual delivery step, described secondary to test
Card step verifies whether the payment instruction in the payment data bag is initiated by payment verification step, and in secondary verification step
Actual delivery operation is performed in the case of, otherwise terminates the operation.
Preferably, in the payment affirmation step, detailed letter is paid according to the returned data generation received
Cease and handled.
The beneficial effect that the present invention reaches includes：Delivery operation to POS realizes to be monitored in advance, can be from technology way
Thoroughly avoided on footpath without the incomplete cCredit card payment of examination ＆ approval checking or examination ＆ approval；The automatic of payment is realized in link of swiping the card
Collect and transmit, eliminate artificial the step of collecting and inputting payment amount, reduce human error risk, additionally it is possible to by standby
Part account operated without card；The security and efficiency of POS payment are improved, represents the developing direction of POS payment modes.
Brief description of the drawings
Fig. 1 is the POS system structure diagram of the embodiment of the present invention；
Fig. 2 is the POS payment processing method flow chart of the embodiment of the present invention.
Embodiment
The preferred embodiments of the present invention are described in detail below in conjunction with the accompanying drawings.It may be noted that preferred embodiment is explained
The characteristics of purpose stated is to more fully show each aspect of the present invention and beneficial effect.It is therefore preferable that embodiment is
As exemplary, limiting the scope of the invention should not be understood as.Protection scope of the present invention should be wanted with right
The content for asking book to be asked is defined.
Fig. 1 is the structural representation of POS system of the present invention.The system is used as cCredit card payment using improved POS
Terminal device, while also developed can be embedded in financial information system payment verification module carry out to pay legitimacy test
Card, payment verification module is connected by interface system and POS carries out the instruction and data between the two and transmitted；Simultaneously also by connecing
Port system connects POS and the payment system of bank, so as to be entered after POS performs swiping card by the payment system of bank
The actual delivery operation of row.The POS of the present invention is controlled payment terminal, only according to the predetermined examination ＆ verification of financial information system
Flow could be by the swiping card of POS and complete by payment request afterwards and its amount of money by payment verification module verification
Into, it is invalidated in the case of can not use POS craft logging data and carry out cCredit card payment.
Referring to Fig. 1, client device C and the service on backstage that the financial information system of user directly operates in staff
Run on device S, payment verification module 1 of the invention can be embedded in the financial information system, as the system and financial information
The interface of system.The information that staff can propose to pay request and typing payment correlation by operating client device C, is such as propped up
Type, the date of payment, payer, payment, payment accounts etc. are paid, and server S receives the branch that client device is sent
Pay and ask and handled, including verify whether the payment has legitimacy according to intended flow is automatic or manual, for through wealth
The payment that business information system confirms to allow to pay is asked, and the payment verification module 1 confirms that payment request empirical tests are allowed to
Afterwards, to dynamic socket module 2 initiate payment instruction, the payment instruction include pay serial number, payment, payment accounts,
Operating personnel's numbering etc..Asked for the payment being not allowed to, then payment verification module 1 will not generate and send the payment and refer to
Order.
The dynamic socket module 2 passes through dynamic link library（Dynamic Link Library,DLL）Realize, dynamic chain
Connect the information in storehouse and data are available for each module to share, it is achieved thereby that paying the forwarding of related various information and data.
After the payment instruction for receiving the transmission of payment verification module 1, payment instruction is forwarded to by POS by dynamic socket module 2
Machine 3.
For the POS 3 that the present invention uses for the controlled POS of authority, the POS 3 encloses manual typing account and number
Etc. the function of data, the non-payment instruction initiated through the payment verification module of refusal, therefore can be entered by the POS 3
Capable delivery operation is to confirm to allow the operation paid by payment verification module 1.Forwarded receiving dynamic socket module 2
The payment instruction after, POS 3 can prompt user to carry out swiping card on this machine, and related number is paid so as to gather
According to, such as：By verifying whether the piece ID that swiped the card unanimously carries out producing card with the payment accounts information that the payment instruction includes
Really card certification, payment cipher etc. is gathered by user's key-press input, POS will include in the data and payment instruction of collection
Data are carried out being packed into payment data bag, and payment data bag is sent to dynamic socket module 2.Due to the craft of POS
Input function is closed, and it can not change or re-type payment amount value, therefore in the payment data bag formed by POS
Payment amount is automatically determined by what payment verification module 1 transmitted by the payment amount verified；Performed for same payment accounts
In the case of more delivery operations, POS receive it is aggregated after payment amount total value and according to the value formed payment data bag；
So not only ensure that payment amount can only be the number that empirical tests allow to pay, and improve the security of payment, save simultaneously
It is artificial to collect and the step of to POS craft typing number, the risk of human operational error is reduced, improves payment effect
Rate, the time required to reducing payment.
The system of the present invention can also be realized to be paid without card, i.e., payment accounts, empirical tests are reserved in financial information system
Allow to also contains the reserved payment accounts after paying in the payment instruction that is sent by payment verification module 1, thus POS can be with
Payment data bag of the generation with reserved payment accounts in the case of without card.
The payment data bag passed back by POS 3 is forwarded to the payment system 4 of bank, such as public affair by dynamic socket module 2
Card fund transfer system.Payment system 4 receives the payment data bag forwarded from dynamic interface module 2 and carries out actual delivery behaviour
Make.In order to further strengthen the security paid, the present invention have also been devised two between payment system 4 and payment verification module 1
Secondary checking.Specifically, payment verification module 1 has secondary checking interface, and the payment system 4 is receiving the payment data
Bao Hou, call secondary checking interface using the verification algorithm of agreement verify payment instruction in the payment data bag whether be by
Payment verification module is sent, payment verification module 1 to payment be the secondary the result of 4 returns, if secondary be verified, by
Payment system 4 performs actual delivery operation, carries out transferring accounts for correlative charges, otherwise terminates the operation.
After actual delivery operation is successfully completed or is terminated, payment system 4 sends to dynamic socket module 2 and returns to number
According to returned data mark actual delivery operates successfully or failed.Dynamic socket module 2 receives the returned data and by its turn
POS 3 is issued, POS 3 pays managing detailed catalogue according to the returned data generation received, and sends to the dynamic and connect
Mouth mold block 2；Managing detailed catalogue is paid described in dynamic socket module forwards to client C, by client C according to the payment managing detailed catalogue
Subsequent treatment after being traded, such as the instruction frame that ejection transaction is completed or transaction is unfinished.
Based on system above, Fig. 2 shows the flow chart of the high security POS payment processing method of the present invention.Referring to
Fig. 2, in payment verification step 201, asked for the payment that client C is received, by the auditing flow of financial information system
It is made whether to allow the checking paid, whether determines to pay request by the checking that allows to pay by payment verification module, it is right
Asked in by the payment of the checking, initiate payment instruction；POS is swiped the card step 202, is received and is simultaneously referred to according to the payment
Order, swiping card collection related data is performed, and generate the transmission of payment data Bao Bingxiang payment systems；Secondary verification step
203, the secondary verification step verifies whether the payment instruction in the payment data bag is initiated by payment verification step, and
Actual delivery operation 204 is performed in the case of in secondary verification step, otherwise terminates the operation.Actual delivery step 204
Information in payment data bag carries out actual delivery operation, and returned data is sent after actual delivery operation terminates.
Payment affirmation step 205, the returned data is received and handled by POS, including generated according to returned data and pay detailed letter
Breath, and payment managing detailed catalogue is based on by the client of financial information system and post-processed accordingly.
In summary, delivery operation of the present invention to POS realizes monitors in advance, can thoroughly be kept away from technological approaches
Exempt from without the incomplete cCredit card payment of examination ＆ approval checking or examination ＆ approval；Collecting and pass automatically for payment is realized in link of swiping the card
It is defeated, artificial the step of collecting and inputting payment amount is eliminated, reduces human error risk, additionally it is possible to enter by backing up account
Row operates without card；The security and efficiency of POS payment are improved, represents the developing direction of POS payment modes.
Claims (1)
1. a kind of high security POS payment processing method, it is characterised in that high security POS system includes payment verification
Module, dynamic socket module, POS, payment system；Wherein,
Payment verification module, ask to determine if the checking by allowing to pay for paying, for passing through the checking
Request is paid, payment instruction is initiated to dynamic socket module；
Dynamic socket module, for receiving the payment instruction of payment verification module transmission and being forwarded to POS, receive POS hair
The payment data bag that send simultaneously is forwarded to payment system, and receives the returned data that payment system is sent and be forwarded to POS；
POS, for the payment instruction according to the dynamic socket module forwards, dependency number is gathered by swiping card
According to, and return to payment data bag to dynamic socket module；And receive and handle returning by the dynamic socket module forwards
Return data；
Payment system, for receiving the payment data bag of the dynamic socket module forwards and carrying out actual delivery operation,
And actual delivery operation to the dynamic socket module sends returned data after terminating；
The payment instruction includes the payment amount total value and payment accounts information of one or many delivery operations；
The payment verification module has secondary checking interface, and the payment system is called after the payment data bag is received
Secondary checking interface verifies whether the payment instruction in the payment data bag is sent by payment verification module, and is tested secondary
Card performs actual delivery operation in the case of passing through, otherwise terminate the operation；
The POS pays managing detailed catalogue according to the returned data generation received and sent to the dynamic socket mould
Block；Managing detailed catalogue is paid described in dynamic socket module forwards；
The non-payment instruction initiated through the payment verification module of POS refusal；
The POS by the swiping card verify payment accounts information that card ID and the payment instruction include whether one
Cause and gather the payment cipher of card；
High security POS payment processing method comprises the following steps：
Payment verification step, ask to determine if the checking by allowing to pay for paying, for passing through the checking
Request is paid, initiates payment instruction；
POS is swiped the card step, is received and according to the payment instruction, is performed swiping card collection related data, and generate branch
Pay packet and sent to payment system；
Actual delivery step, for receiving the payment data bag and the information progress actual delivery in the payment data bag
Operation, returned data is sent after actual delivery operation terminates；
Payment affirmation step, the returned data is received and handled by POS；
The payment instruction includes the payment amount total value and payment accounts information of one or many delivery operations；And pass through
The non-payment instruction initiated through the payment verification step of POS refusal；
Methods described first carries out secondary verification step before the execution of actual delivery step, described in the secondary verification step checking
Whether the payment instruction in payment data bag is initiated by payment verification step, and is held in secondary verification step in the case of
Row actual delivery operates, and otherwise terminates the operation；
In the payment affirmation step, managing detailed catalogue is paid according to the returned data generation received and handled.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410140140.9A CN103903133B (en) | 2014-04-09 | 2014-04-09 | A kind of high security POS system and its payment processing method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410140140.9A CN103903133B (en) | 2014-04-09 | 2014-04-09 | A kind of high security POS system and its payment processing method |
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| Publication Number | Publication Date |
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| CN103903133A CN103903133A (en) | 2014-07-02 |
| CN103903133B true CN103903133B (en) | 2018-01-16 |
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102110328A (en) * | 2009-12-24 | 2011-06-29 | 黄金富 | Credit-card unlocking system and method by which credit card can be swiped once only after incoming phone call of cardholder is received |
| CN102891842A (en) * | 2012-09-07 | 2013-01-23 | 北京天龙融和软件有限公司 | Security authentication method and system |
| CN103020818A (en) * | 2013-01-09 | 2013-04-03 | 重庆新亚盟电子科技有限公司 | Payment system utilizing dynamic two-dimensional verification codes |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20140026844A (en) * | 2012-08-23 | 2014-03-06 | 삼성전자주식회사 | Method and system for authenticating transaction request from device |
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2014
- 2014-04-09 CN CN201410140140.9A patent/CN103903133B/en active Active
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102110328A (en) * | 2009-12-24 | 2011-06-29 | 黄金富 | Credit-card unlocking system and method by which credit card can be swiped once only after incoming phone call of cardholder is received |
| CN102891842A (en) * | 2012-09-07 | 2013-01-23 | 北京天龙融和软件有限公司 | Security authentication method and system |
| CN103020818A (en) * | 2013-01-09 | 2013-04-03 | 重庆新亚盟电子科技有限公司 | Payment system utilizing dynamic two-dimensional verification codes |
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| CN103903133A (en) | 2014-07-02 |
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