TWI786297B - Smart terminal-based point-of-sale management device and point-of-sale service management system - Google Patents

Smart terminal-based point-of-sale management device and point-of-sale service management system Download PDF

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TWI786297B
TWI786297B TW108119924A TW108119924A TWI786297B TW I786297 B TWI786297 B TW I786297B TW 108119924 A TW108119924 A TW 108119924A TW 108119924 A TW108119924 A TW 108119924A TW I786297 B TWI786297 B TW I786297B
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TW202001722A (en
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何朔
彭程
吳金壇
孫權
郭偉
陳成錢
周鈺
張莉敏
李定洲
曾望年
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大陸商中國銀聯股份有限公司
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Abstract

本發明涉及一種基於智慧終端機的銷售點管理裝置，包括：銀行卡讀取單元；安全管理單元，與銀行卡讀取單元耦合，用於基於從銀行卡讀取的第一資料、存儲於安全管理單元的第二資料以及基於交易場景的第三資料生成加密的第四資料；以及交易管理控制項，與安全管理單元耦合，用於將第四資料轉送至智慧終端機；其中，銀行卡讀取單元、安全管理單元和交易管理控制項設置於智慧終端機內或與其相集成。其不僅能降低收單機構與商戶在收單機具採購、維護等方面的成本，還能夠進一步提高移動支付的便捷性與普及程度。 The present invention relates to a point-of-sale management device based on an intelligent terminal, comprising: a bank card reading unit; The second data of the management unit and the third data based on the transaction scene generate encrypted fourth data; and the transaction management control item is coupled with the security management unit for transferring the fourth data to the smart terminal; wherein, the bank card reader The retrieval unit, security management unit and transaction management control items are set in or integrated with the smart terminal. It can not only reduce the cost of acquiring institutions and merchants in the procurement and maintenance of acquiring equipment, but also further improve the convenience and popularity of mobile payment.

Description

基於智慧終端機的銷售點管理裝置及銷售點服務管理系統 Smart terminal-based point-of-sale management device and point-of-sale service management system

本發明涉及電子支付技術領域，更具體地說，涉及一種基於智慧終端機的銷售點管理裝置以及銷售點服務管理系統。 The present invention relates to the technical field of electronic payment, and more specifically, to a point-of-sale management device and a point-of-sale service management system based on a smart terminal.

當前，POS機實現了一定程度的移動性和便捷性，但與手機這種用戶隨時隨身攜帶的智慧設備相比，還是存在較大差距。 At present, POS machines have achieved a certain degree of mobility and convenience, but compared with smart devices such as mobile phones that users carry with them at any time, there is still a big gap.

現有的基於手機的POS收單裝置，通過手機外接的一個讀卡終端(專用設備)來安全地讀取銀行卡之後，組裝成交易報文，再由基於手機的POS收單裝置將交易報文發送給受理平臺，如mPOS系統，進而完成交易。 The existing mobile phone-based POS acquiring device securely reads the bank card through a card reader terminal (special equipment) connected to the mobile phone, and then assembles it into a transaction message, and then the mobile phone-based POS acquiring device converts the transaction message into a transaction message. Send it to the receiving platform, such as mPOS system, and then complete the transaction.

一種現有POS收單系統的架構如圖1所示，其中，讀卡終端讀取銀行卡資訊，將交易報文經由mPOS前置系統轉送至受理平臺幕後處理。商戶管理平臺通過mPOS前置系統對商戶註冊請求進行回應。 The architecture of an existing POS acquiring system is shown in Figure 1, in which the card reader terminal reads bank card information, and transfers the transaction message to the acceptance platform through the mPOS front-end system for behind-the-scenes processing. The merchant management platform responds to merchant registration requests through the mPOS front-end system.

進一步提升商戶收單的便捷性和效率是當前期望的目標。 It is the current desired goal to further improve the convenience and efficiency of merchant acquisition.

本發明的一個目的在於提供一種銷售點管理裝置，其更具移動性和便捷性。 An object of the present invention is to provide a point-of-sale management device which is more mobile and convenient.

為實現上述目的，本發明提供一種技術方案如下。 In order to achieve the above object, the present invention provides a technical solution as follows.

一種基於智慧終端機的銷售點管理裝置，包括：銀行卡讀取單元，用於從銀行卡讀取第一資料；安全管理單元，與銀行卡讀取單元耦合，用於基於第一資料、存儲於安全管理單元的第二資料以及基於交易場景的第三資料生成加密的第四資料；以及交易管理控制項，與安全管理單元耦合，用於將第四資料轉送至智慧終端機，以由智慧終端機將第四資料發送至銷售點管理服務系統；其中，銀行卡讀取單元、安全管理單元和交易管理控制項設置於智慧終端機內或與其相集成。 A point-of-sale management device based on a smart terminal, comprising: a bank card reading unit for reading first data from the bank card; a security management unit coupled with the bank card reading unit for storing information based on the first data Generate encrypted fourth data from the second data of the security management unit and the third data based on the transaction scene; The terminal sends the fourth data to the point-of-sale management service system; wherein, the bank card reading unit, the security management unit and the transaction management control items are set in the smart terminal or integrated with it.

優選地，第二資料包括關於銷售點管理裝置的、經銷售點管理服務系統核准的商戶標識資訊。 Preferably, the second data includes merchant identification information about the point-of-sale management device approved by the point-of-sale management service system.

優選地，安全管理單元配置成：啟動銀行卡讀取單元的讀卡工作模式，銀行卡讀取單元根據讀卡工作模式來從銀行卡讀取第一資料。 Preferably, the security management unit is configured to: activate the card reading working mode of the bank card reading unit, and the bank card reading unit reads the first data from the bank card according to the card reading working mode.

優選地，安全管理單元還配置成：採用商戶標識資訊作為金鑰組中的第一金鑰，來對第一資料、第二資料以及第三資料的組合進行加密，以生成第四資料。 Preferably, the security management unit is further configured to: use the merchant identification information as the first key in the key group to encrypt the combination of the first data, the second data and the third data to generate the fourth data.

本發明的另一目的在於提供一種銷售點管理 服務系統，其能夠促進更具移動性和便捷性的銷售點管理裝置的實現及部署。 Another object of the present invention is to provide a point of sale management A service system that facilitates the realization and deployment of more mobile and convenient point-of-sale management devices.

為實現上述目的，本發明提供另一技術方案如下。 In order to achieve the above object, the present invention provides another technical solution as follows.

一種銷售點管理服務系統，包括：報文收取單元，與多個銷售點管理裝置分別耦合，報文收取單元從各銷售點管理裝置分別獲取相應的第一交易報文；報文轉換單元，與交易受理後臺系統耦合，報文轉換單元將交易報文轉換為交易受理後臺系統所允許的第二交易報文。 A point-of-sale management service system, comprising: a message receiving unit, coupled with multiple point-of-sale management devices respectively, and the message receiving unit respectively obtains corresponding first transaction messages from each point-of-sale management device; a message conversion unit, and The transaction acceptance background system is coupled, and the message conversion unit converts the transaction message into a second transaction message allowed by the transaction acceptance background system.

優選地，銷售點管理服務系統包括商戶管理子系統，其中，商戶管理子系統配置成：從銷售點管理裝置接收商戶的註冊請求；核准註冊請求；生成相應的商戶標識資訊；以及將商戶標識資訊回饋至銷售點管理裝置。 Preferably, the point-of-sale management service system includes a merchant management subsystem, wherein the merchant management subsystem is configured to: receive a merchant's registration request from the point-of-sale management device; approve the registration request; generate corresponding merchant identification information; and store the merchant identification information Feedback to point of sale management device.

優選地，報文收取單元配置成：基於包括第一金鑰的金鑰組來對第一交易報文進行解密，以獲得經解密報文，其中，第一金鑰對應於商戶管理子系統所生成的商戶標識資訊。 Preferably, the message receiving unit is configured to: decrypt the first transaction message based on the key group including the first key to obtain the decrypted message, wherein the first key corresponds to the The generated merchant identification information.

優選地，報文收取單元還配置成：基於商戶管理子系統所生成的商戶標識資訊來核實第一交易報文所包含的交易場景因素資訊以及使用者因素資訊。 Preferably, the message receiving unit is further configured to: verify the transaction scenario factor information and user factor information contained in the first transaction message based on the merchant identification information generated by the merchant management subsystem.

優選地，報文轉換單元配置成：獲取交易受理後臺系統允許的報文處理格式；基於報文處理單元來重新組合經解密報文，以生成第二交易報文。 Preferably, the message conversion unit is configured to: obtain a message processing format allowed by the transaction acceptance background system; and reassemble the decrypted message based on the message processing unit to generate a second transaction message.

本發明還公開一種交易處理系統，按照雲計 算平臺來部署，交易處理系統包括：至少一個以上的銷售點管理裝置；如申請專利範圍第5-8項中任一項的銷售點管理服務系統；以及交易受理後臺系統；其中，銷售點管理服務系統組態成：從銷售點管理裝置獲取第一交易報文；基於第一交易報文生成第二交易報文；以及將第二交易報文轉送至交易受理後臺系統來完成交易處理流程。 The invention also discloses a transaction processing system, according to cloud computing The transaction processing system includes: at least one point-of-sale management device; such as the point-of-sale management service system of any one of items 5-8 in the scope of the patent application; and the transaction acceptance background system; among them, point-of-sale management The service system is configured to: obtain the first transaction message from the point-of-sale management device; generate the second transaction message based on the first transaction message; and transfer the second transaction message to the transaction acceptance background system to complete the transaction process.

本發明各實施例提供基於智慧終端機的銷售點管理裝置以及與之配合工作的銷售點管理服務系統，它們不僅能降低收單機構與商戶在收單機具採購、維護等方面的成本，還能夠進一步提高移動支付的便捷性與普及程度。商戶用戶在使用收單功能時，能夠獲得與使用手機上的其他APP相同的用戶體驗。Various embodiments of the present invention provide a point-of-sale management device based on a smart terminal and a point-of-sale management service system that works with it. Further improve the convenience and popularity of mobile payment. When merchant users use the acquiring function, they can obtain the same user experience as using other APPs on the mobile phone.

在以下描述中提出具體細節，以便提供對本發明的透徹理解。然而，本領域的技術人員將清楚地知道，即使沒有這些具體細節也可實施本發明的實施例。在本發明中，可進行具體的數位引用，例如“第一元件”、“第二裝置”等。但是，具體數字引用不應當被理解為必須服從於其字面順序，而是應被理解為“第一元件”與“第二元件”不同。In the following description, specific details are set forth in order to provide a thorough understanding of the present invention. It will be apparent, however, to one skilled in the art that embodiments of the invention may be practiced without these specific details. In the present invention, specific numerical references may be made, such as "first element", "second means" and the like. However, specific numerical references should not be construed as necessarily obeying their literal order, but rather that "first element" is different from "second element".

本發明所提出的具體細節只是示範性的，具體細節可以變化，但仍然落入本發明的精神和範圍之內。術語“耦合”定義為表示直接連接到元件或者經由另一個元件而間接連接到元件。The specific details set forth herein are exemplary only, and the specific details may vary while remaining within the spirit and scope of the invention. The term "coupled" is defined to mean directly connected to an element or indirectly connected to an element via another element.

以下通過參照圖式來描述適於實現本發明的方法、系統和裝置的優選實施例。雖然各實施例是針對元件的單個組合來描述，但是應理解，本發明包括所公開元件的所有可能組合。因此，如果一個實施例包括元件A、B和C，而第二實施例包括元件B和D，則本發明也應被認為包括A、B、C或D的其他剩餘組合，即使沒有明確公開。Preferred embodiments of methods, systems and apparatus suitable for implementing the present invention are described below by referring to the accompanying drawings. Although various embodiments are described with respect to a single combination of elements, it is to be understood that the invention includes all possible combinations of the disclosed elements. Thus, if one embodiment includes elements A, B, and C, and a second embodiment includes elements B and D, the invention should also be considered to include other remaining combinations of A, B, C, or D, even if not expressly disclosed.

如圖2所示，本發明第一實施例提供一種基於智慧終端機的銷售點管理裝置20，包括銀行卡讀取單元201、安全管理單元202以及交易管理控制項203。As shown in FIG. 2 , the first embodiment of the present invention provides a point-of-sale management device 20 based on a smart terminal, including a bank card reading unit 201 , a security management unit 202 and a transaction management control item 203 .

其中，銷售點管理裝置20整體與智慧終端機集成。或者，備選地，銷售點管理裝置20設置於智慧終端機內。Wherein, the point-of-sale management device 20 is integrally integrated with the smart terminal. Or, alternatively, the point-of-sale management device 20 is set in the smart terminal.

銀行卡讀取單元201從銀行卡讀取第一資料。作為示例，銀行卡讀取單元201包括近場通信模組，按照近場通信方式從使用者所持的銀行卡或手機直接讀取銀行卡資訊(第一資料)，實現“揮卡”操作。The bank card reading unit 201 reads the first data from the bank card. As an example, the bank card reading unit 201 includes a near field communication module, which directly reads bank card information (first data) from the bank card or mobile phone held by the user according to the near field communication method, and realizes the "swipe card" operation.

具體來說，通過手機的可信操作環境TEE直接控制的eSE(安全管理單元)，以及NFC晶片讀卡模式，可在手機與用戶銀行卡之間建立安全交互通道，利用該安全交互通道，由TEE或者eSE讀取銀行卡資訊，並對讀取的敏感性資料進行加密保護後，組裝成報文再發往Android系統，由Android系統送往後臺。這一過程中，不需要額外專有讀卡設備，可以保證手機對於銀行卡資料的安全讀取，保護銀行卡中的二磁軌資訊等敏感性資料不會被手機Android系統上可能存在的惡意程式竊取、複製、破壞。Specifically, through the eSE (Security Management Unit) directly controlled by the trusted operating environment TEE of the mobile phone, and the NFC chip card reading mode, a secure interaction channel can be established between the mobile phone and the user's bank card. Using this secure interaction channel, the TEE or eSE reads the bank card information, encrypts and protects the read sensitive data, assembles it into a message and sends it to the Android system, and then the Android system sends it to the background. In this process, there is no need for additional proprietary card reading equipment, which can ensure the safe reading of bank card data by the mobile phone, and protect sensitive data such as the second magnetic track information in the bank card from being maliciously stored on the Android system of the mobile phone. Program stealing, duplication, destruction.

可信操作環境獨立於多媒體操作環境，這包括硬體上的獨立以及通信上的獨立，這有利於確保交易資料的安全性，以使得銷售點管理裝置20(其設置於智慧終端機內)的多媒體操作環境始終無法獲得或更改交易資料。The trusted operating environment is independent of the multimedia operating environment, including independence on hardware and independence on communication, which is conducive to ensuring the security of transaction data, so that the point-of-sale management device 20 (which is installed in the smart terminal) The multimedia operating environment is always unable to obtain or change transaction data.

安全管理單元202與銀行卡讀取單元201耦合，用於基於第一資料、存儲於安全管理單元的第二資料以及基於交易場景的第三資料生成加密的第四資料。The security management unit 202 is coupled with the bank card reading unit 201, and is used for generating encrypted fourth information based on the first information, the second information stored in the security management unit, and the third information based on the transaction scene.

具體來說，第二資料包括銷售點管理裝置20自身攜帶的、經具有資質的銷售點管理服務系統核准並向其下發的唯一商戶標識資訊。第三資料則對應於交易場景資訊，例如，交易時間、地點、交易金額以及可能的優惠資訊。安全管理單元202實現於可信操作環境下，其將對以上第一資料(銀行卡資訊)、第二資料和第三資料的組合進行加密處理，形成加密的第四資料(即，第一交易報文)。Specifically, the second data includes unique merchant identification information carried by the point-of-sale management device 20 itself, approved and delivered to the qualified point-of-sale management service system. The third data corresponds to transaction scene information, such as transaction time, location, transaction amount and possible preferential information. The security management unit 202 is implemented in a trusted operating environment, and it will encrypt the combination of the above first data (bank card information), second data and third data to form encrypted fourth data (that is, the first transaction message).

在資料加密過程中，作為示例，安全管理單元202可以採用金鑰組加密來提高交易資料的安全性，金鑰組可包括多個不同金鑰，它們經由不同演算法生成或具有不同來源。優選情況下，金鑰組包括銷售點管理裝置20的唯一商戶標識資訊。In the data encryption process, as an example, the security management unit 202 may use key group encryption to improve the security of transaction data. The key group may include a plurality of different keys, which are generated by different algorithms or have different sources. Preferably, the key set includes unique merchant identification information of the point-of-sale management device 20 .

安全管理單元202還可以啟動銀行卡讀取單元201的讀卡工作模式，作為回應，銀行卡讀取單元201從使用者銀行卡讀取相關資訊。作為示例，在TEE內實現Emv kernel，通過TEE下的SE介面，調用eSE上的讀卡applet進行NFC讀模式的創建，完成尋卡操作。隨後，通過eSE的讀卡applet提供的收發命令，完成與持卡人銀行卡或者手機Pay間的讀卡資料交互。The security management unit 202 can also activate the card reading mode of the bank card reading unit 201, and in response, the bank card reading unit 201 reads relevant information from the user's bank card. As an example, the Emv kernel is implemented in the TEE, and the card reader applet on the eSE is called through the SE interface under the TEE to create the NFC reading mode and complete the card search operation. Subsequently, through the sending and receiving commands provided by the card reading applet of eSE, the card reading information interaction with the cardholder's bank card or mobile phone Pay is completed.

進一步地，讀卡applet運行在eSE內，負責與NFC晶片間的讀卡模式的創建，向銷售點管理裝置20提供對應的資料收發命令介面。在接受銷售點管理裝置20的命令完成創建讀卡模式後，可將銷售點管理裝置20發來的資料通過NFC通信模組發往持卡人銀行卡，並通過NFC獲取銀行卡的回應後，將回應資料返回給銷售點管理裝置20，實現讀卡流程。在這一過程中，整個資料交互都是通過TEE、eSE、NFC、銀行卡這些安全區域，並沒有經過手機的Android系統側，可保證在讀卡過程中的各項敏感性資料的安全性。Further, the card reading applet runs in the eSE, is responsible for creating a card reading mode with the NFC chip, and provides a corresponding data sending and receiving command interface to the point-of-sale management device 20 . After accepting the command of the point-of-sale management device 20 to complete the creation of the card-reading mode, the data sent by the point-of-sale management device 20 can be sent to the cardholder's bank card through the NFC communication module, and after obtaining the bank card's response through NFC, Return the response data to the point-of-sale management device 20 to realize the card reading process. In this process, the entire data interaction is through the secure areas of TEE, eSE, NFC, and bank cards, and does not go through the Android system side of the mobile phone, which can ensure the security of various sensitive data during the card reading process.

交易管理控制項203與安全管理單元202耦合，其將第四資料轉送至智慧終端機，以由智慧終端機將第四資料發送至銷售點管理服務系統。交易管理控制項203向銷售點管理裝置20所在的智慧終端機上的商戶APP提供手機POS功能的具體介面，包括商戶開通小額支付、轉帳等功能。在商戶APP調用這些具體功能介面時，交易管理控制項203負責調用相應的處理流程，並負責網路轉發，支援銷售點管理裝置20與銷售點管理服務系統間在秘密頻道上的雙向資料通信。The transaction management control item 203 is coupled with the security management unit 202, and it forwards the fourth data to the smart terminal, so that the smart terminal sends the fourth data to the POS management service system. The transaction management control item 203 provides the merchant APP on the smart terminal where the point-of-sale management device 20 is located with a specific interface for mobile POS functions, including the merchant's activation of small payment, transfer and other functions. When the merchant APP invokes these specific function interfaces, the transaction management control item 203 is responsible for invoking the corresponding processing flow, and responsible for network forwarding, supporting two-way data communication between the point-of-sale management device 20 and the point-of-sale management service system on the secret channel.

作為進一步的改進，安全管理單元202和交易管理控制項203集成於一體，形成一個獨立的物理模組，該物理模組從銀行卡讀取單元201獲取使用者銀行卡資訊，採用“黑盒”模式生成第一交易報文，由銷售點管理裝置20上送至銷售點服務管理系統。As a further improvement, the security management unit 202 and the transaction management control item 203 are integrated to form an independent physical module. This physical module obtains the user's bank card information from the bank card reading unit 201 and adopts a "black box" The mode generates the first transaction message, which is sent by the point-of-sale management device 20 to the point-of-sale service management system.

圖3示出與圖1所示現有系統相對照的、根據本發明的POS收單系統的架構圖。FIG. 3 shows a structural diagram of the POS acquiring system according to the present invention compared with the existing system shown in FIG. 1 .

與圖1相比，本發明的POS收單系統將銀行卡讀取單元集成於銷售點管理裝置(例如，商戶手機)內、並在銷售點管理裝置內的安全管理單元生成交易報文，以及，銷售點管理服務系統(手機POS服務系統)還實現多種功能性，從而區別於現有技術中的mPOS前置系統。具體來說，銷售點管理裝置(POS機)從用戶(持卡人)手機或銀行卡直接讀取銀行卡資訊，結合銷售點管理裝置自帶的標識資訊以及交易場景資訊直接生成交易報文，將交易報文上送至銷售點管理服務系統來完成後續交易流程。 Compared with Fig. 1, the POS acquiring system of the present invention integrates the bank card reading unit in the point-of-sale management device (for example, merchant's mobile phone), and generates a transaction message at the security management unit in the point-of-sale management device, and , The point of sale management service system (mobile POS service system) also realizes multiple functions, thereby being different from the mPOS front-end system in the prior art. Specifically, the point-of-sale management device (POS machine) directly reads the bank card information from the mobile phone or bank card of the user (cardholder), and directly generates a transaction message in combination with the identification information and transaction scene information of the point-of-sale management device. Send the transaction message to the point-of-sale management service system to complete the subsequent transaction process.

本發明第二實施例正提供這樣一種銷售點管理服務系統，該銷售點管理服務系統包括報文收取單元和報文轉換單元。 The second embodiment of the present invention is providing such a point-of-sale management service system, which includes a message receiving unit and a message converting unit.

其中，報文收取單元與多個銷售點管理裝置分別耦合，其從各銷售點管理裝置分別獲取相應的第一交易報文。報文轉換單元則與交易受理後臺系統耦合，其將所獲取的交易報文轉換為交易受理後臺系統所允許的第二交易報文。 Wherein, the message receiving unit is respectively coupled with multiple point-of-sale management devices, and obtains corresponding first transaction messages from each point-of-sale management device. The message conversion unit is coupled with the transaction acceptance background system, and converts the obtained transaction message into the second transaction message allowed by the transaction acceptance background system.

本領域技術人員理解，交易受理後臺系統還與協力廠商受理後臺(CUPS)以及發卡行後臺通信，以對第二交易報文進行後續處理，進而實現本次交易。交易受理後臺系統進行交易的最終處理，可涵蓋銀行卡、二維碼等在內的各個支付流程。交易受理後臺系統可包括銀聯全管道、二維碼支付後臺、智慧POS後臺、CUPS中的任一個或它們的組合。 Those skilled in the art understand that the transaction acceptance backstage system also communicates with the third party acceptance backstage (CUPS) and the card issuer backstage to perform subsequent processing on the second transaction message, and then realize the transaction. The transaction acceptance background system conducts the final processing of the transaction, which can cover various payment processes including bank cards and QR codes. The transaction acceptance background system can include any one or a combination of UnionPay full channels, QR code payment background, smart POS background, CUPS.

作為進一步的改進，與圖3示出的架構圖不同，銷售點管理服務系統包括商戶管理子系統，該子系統配置成執行如下操作：A、從各銷售點管理裝置接收來自商戶的註冊請求；B、核准或拒絕註冊請求； C、在核准的前提下，生成唯一的商戶標識資訊；D、將商戶標識資訊回饋至發起註冊請求的銷售點管理裝置。商戶管理子系統專用於對商戶進行登記和管理，對商戶的管理與對交易報文的處理相互獨立，以提高系統的安全性以及可靠性。 As a further improvement, different from the architecture diagram shown in FIG. 3 , the point-of-sale management service system includes a merchant management subsystem configured to perform the following operations: A. Receive registration requests from merchants from each point-of-sale management device; B. Approve or reject the registration request; C. On the premise of approval, generate unique merchant identification information; D. Feed back the merchant identification information to the point-of-sale management device that initiates the registration request. The merchant management subsystem is dedicated to the registration and management of merchants. The management of merchants and the processing of transaction messages are independent of each other, so as to improve the security and reliability of the system.

根據本發明一實施例，報文收取單元可基於一個金鑰組來對第一交易報文進行解密處理，獲得經解密報文。若在資料加密過程中用到商戶標識資訊，則相應地，在解密過程中所使用的金鑰組也包括對應於商戶標識資訊的解密金鑰。 According to an embodiment of the present invention, the message receiving unit may decrypt the first transaction message based on a key group to obtain the decrypted message. If the merchant identification information is used in the data encryption process, correspondingly, the key set used in the decryption process also includes a decryption key corresponding to the merchant identification information.

如以上所述，商戶標識資訊是經具有資質的銷售點管理服務系統核准並向銷售點管理裝置下發，從而，該銷售點管理服務系統會擁有針對各銷售點管理裝置的商戶標識資訊。 As mentioned above, the merchant identification information is approved by the qualified point-of-sale management service system and issued to the point-of-sale management device, thus, the point-of-sale management service system will have the merchant identification information for each point-of-sale management device.

進而，在優選情況下，報文收取單元還可以基於商戶標識資訊來核實第一交易報文中的資訊，包括但不限於，交易場景(交易時間、地點、金額等)因素資訊以及使用者因素資訊(例如，使用者身份資訊、或銀行卡資訊)。 Furthermore, preferably, the message receiving unit can also verify the information in the first transaction message based on the merchant identification information, including but not limited to, transaction scene (transaction time, place, amount, etc.) factor information and user factor information (for example, user ID information, or bank card information).

報文轉換單元從交易受理後臺系統獲取後臺系統所允許的報文處理單元，以便基於這種格式來重新組合經解密的交易報文，並生成第二交易報文，第二交易報文由交易受理後臺系統處理。 The message conversion unit obtains the message processing unit allowed by the background system from the transaction acceptance background system, so as to reassemble the decrypted transaction message based on this format, and generate a second transaction message, which is sent by the transaction Accept background system processing.

上述銷售點管理服務系統可以與多個銷售點 管理裝置20(終端)協同工作，不僅有利於提高移動支付的便捷性與普及程度，還可以對商戶進行登記、管理乃至監控，確保本次交易以及使用者帳戶的安全。 The above-mentioned point-of-sale management service system can communicate with multiple point-of-sale The cooperative work of the management device 20 (terminal) is not only conducive to improving the convenience and popularity of mobile payment, but also can register, manage and even monitor merchants to ensure the security of this transaction and user accounts.

本發明第三實施例提供一種交易處理系統，其按照雲計算平臺來部署，該交易處理系統包括至少一個如以上第一實施例提供的銷售點管理裝置、如以上第二實施例提供的銷售點管理服務系統和交易受理後臺系統。其中，銷售點管理服務系統組態成從銷售點管理裝置獲取第一交易報文；基於第一交易報文生成第二交易報文；以及，將第二交易報文轉送至交易受理後臺系統來完成交易處理流程。 The third embodiment of the present invention provides a transaction processing system, which is deployed according to a cloud computing platform, and the transaction processing system includes at least one point-of-sale management device as provided in the first embodiment above, and a point-of-sale as provided in the second embodiment above Management service system and transaction acceptance background system. Wherein, the point-of-sale management service system is configured to obtain the first transaction message from the point-of-sale management device; generate the second transaction message based on the first transaction message; and transfer the second transaction message to the transaction acceptance background system for Complete the transaction processing process.

在本發明的一些實施例中，系統的至少一部分可採用通信網路所連接的一組分散式運算裝置來實現，或，基於“雲”來實現。在這種系統中，多個計算裝置共同操作，以通過使用其共用資源來提供服務。 In some embodiments of the present invention, at least a part of the system can be implemented by a group of distributed computing devices connected by a communication network, or based on a "cloud". In such a system, multiple computing devices operate together to provide services using their common resources.

基於“雲”的實現可提供一個或多個優點，包括：開放性、靈活性和可擴展性、可中心管理、可靠性、可縮放性、對計算資源所優化、具有聚合和分析跨多個使用者的資訊的能力、跨多個地理區域進行連接、以及將多個移動或資料網路運營商用於網路連通性的能力。 A "cloud"-based implementation may offer one or more advantages, including: openness, flexibility and scalability, central management, reliability, scalability, optimization of computing resources, ability to aggregate and analyze across multiple Ability to access user information, connect across multiple geographic regions, and use multiple mobile or data network operators for network connectivity.

圖4示出商戶線上開通業務的流程示意圖。當商戶需要在自己手機上開通手機POS功能時，可從收單機構(如收單機構網站等)獲取自己的手機型號是否支持手機POS，若支持，可從收單機構處下載並安裝對應的商戶 APP後，並通過註冊該商戶APP後，完成手機POS功能開通。 Fig. 4 shows a schematic flow diagram of a merchant activating a business online. When the merchant needs to activate the mobile POS function on his mobile phone, he can obtain from the acquirer (such as the website of the acquirer) whether his mobile phone model supports mobile POS. If it supports it, he can download and install the corresponding POS from the acquirer. Merchant APP, and after registering the merchant APP, complete the opening of the mobile phone POS function.

主要流程如下： The main process is as follows:

Figure 108119924-A0305-02-0014-13
商戶通過銷售點管理裝置(手機POS端)登錄商戶APP後，點擊商戶開通按鈕，依據商戶APP的要求，完成各項商戶資質要素的錄入，如姓名、銀行卡號、身份證、營業執照(對於小微商戶此項資訊並不是必需)等，通過調用開通手機POS功能介面，將數據傳往交易管理控制項(手機POS控制項)；
Figure 108119924-A0305-02-0014-13
After the merchant logs in the merchant APP through the point-of-sale management device (mobile POS terminal), click the merchant activation button, and complete the entry of various merchant qualification elements according to the requirements of the merchant APP, such as name, bank card number, ID card, business license (for small This information is not necessary for micro merchants), etc., by calling the mobile POS function interface, the data is sent to the transaction management control item (mobile POS control item);

Figure 108119924-A0305-02-0014-14
交易管理控制項通過銷售點管理裝置獲取手機的可信設備識別碼(包含TEE ID、eSE ID等資訊)後，組裝為商戶開通資訊報文提供給銷售點管理服務系統(手機POS服務系統)；
Figure 108119924-A0305-02-0014-14
After the transaction management control item obtains the trusted device identification code (including TEE ID, eSE ID, etc.) of the mobile phone through the point-of-sale management device, it is assembled as a merchant activation information message and provided to the point-of-sale management service system (mobile POS service system);

Figure 108119924-A0305-02-0014-15
銷售點管理服務系統記錄下該手機的設備識別碼後，根據商戶管理平臺(或子系統)的要求，將商戶資質要素發送給商戶管理平臺(或子系統)；
Figure 108119924-A0305-02-0014-15
After the point-of-sale management service system records the device identification code of the mobile phone, it sends the merchant qualification elements to the merchant management platform (or subsystem) according to the requirements of the merchant management platform (or subsystem);

Figure 108119924-A0305-02-0014-16
收單機構在商戶管理平臺(或子系統)對商戶提交的商戶資質要素完成審核，商戶管理後臺生成對應的收單機構ID、商戶號等手機商戶資訊，返回給銷售點管理裝置。
Figure 108119924-A0305-02-0014-16
The acquirer completes the review of the merchant qualification elements submitted by the merchant on the merchant management platform (or subsystem), and the merchant management background generates corresponding mobile merchant information such as the acquirer ID and merchant number, and returns it to the point-of-sale management device.

Figure 108119924-A0305-02-0014-17
銷售點管理服務系統記錄對應的商戶號、收單機構ID等商戶資訊，並返回商戶開通通知給交易管理控制項，繼而返回通知資訊給商戶APP，完成商戶APP開通。
Figure 108119924-A0305-02-0014-17
The point-of-sale management service system records the corresponding merchant number, acquirer ID and other merchant information, and returns the merchant activation notification to the transaction management control item, and then returns the notification information to the merchant APP to complete the merchant APP activation.

圖5示出銀行卡小額雙免消費業務的流程示意圖。手機POS通過NFC非接觸方式，讀取持卡人的銀行卡或者手機Pay，完成對於持卡人的銀行卡消費。 Fig. 5 shows a schematic flow diagram of the bank card small-amount double-free consumption service. The mobile POS reads the cardholder's bank card or mobile Pay through the NFC non-contact method, and completes the bank card consumption for the cardholder.

具體流程如下：

Figure 108119924-A0305-02-0015-6
商戶登錄商戶APP後，點擊銀行卡刷卡按鈕，輸入消費金額後，通過調用手機POS控制項的銀行卡支付介面，調用手機POS端發起銀行卡消費流程；
Figure 108119924-A0305-02-0015-7
手機POS端調用eSE的讀卡applet創建eSE與NFC間的讀卡模式後，調用讀卡applet進行尋卡操作；
Figure 108119924-A0305-02-0015-8
持卡人向商戶手機出示銀行卡或者手機Pay進行揮卡，NFC晶片將獲取到卡尋到資訊通過讀卡applet發往手機POS端；
Figure 108119924-A0305-02-0015-9
手機POS端根據emv kernel，通過調用讀卡applet的收發命令，完成與銀行卡(或手機Pay)間的QPBOC小額雙免交互流程；
Figure 108119924-A0305-02-0015-10
手機POS端通過手機POS控制項與手機POS服務系統建立秘密頻道，生成消費報文並通過該秘密頻道送給手機POS服務系統；
Figure 108119924-A0305-02-0015-11
手機POS服務系統依據消費報文中的手機設備識別碼、商戶號收單機構號等資訊，驗證該手機是否已開通且相應的商戶號、收單機構等資訊與手機設備識別碼是否匹配，驗證通過後，根據所連接的受理後臺，對報文進行解析、重組，發往受理後臺完成最終的處理；
Figure 108119924-A0305-02-0015-12
受理後臺將處理完的結果返回給手機POS服務系 統，繼而最終轉發給商戶APP相應的消費處理結果。 The specific process is as follows:
Figure 108119924-A0305-02-0015-6
After the merchant logs in the merchant APP, clicks the bank card swiping button, enters the consumption amount, and calls the mobile POS terminal to initiate the bank card consumption process by calling the bank card payment interface of the mobile POS control item;
Figure 108119924-A0305-02-0015-7
The POS terminal of the mobile phone invokes the card reader applet of eSE to create the card reader mode between eSE and NFC, and then calls the card reader applet to perform the card search operation;
Figure 108119924-A0305-02-0015-8
The cardholder presents the bank card or mobile Pay to the merchant's mobile phone to wave the card, and the NFC chip will obtain the card finding information and send it to the mobile POS terminal through the card reader applet;
Figure 108119924-A0305-02-0015-9
According to the emv kernel, the POS terminal of the mobile phone completes the QPBOC small-amount double-free interaction process with the bank card (or mobile Pay) by calling the sending and receiving commands of the card reader applet;
Figure 108119924-A0305-02-0015-10
The mobile POS terminal establishes a secret channel with the mobile POS service system through the mobile POS control item, generates a consumption message and sends it to the mobile POS service system through the secret channel;
Figure 108119924-A0305-02-0015-11
The mobile POS service system verifies whether the mobile phone has been opened and whether the corresponding merchant number, acquiring institution and other information match the mobile device identification code based on the mobile phone device identification code, merchant number and acquirer number in the consumption message, and the verification passes Finally, according to the connected acceptance background, the message is analyzed and reassembled, and sent to the acceptance background to complete the final processing;
Figure 108119924-A0305-02-0015-12
The acceptance background returns the processed results to the mobile POS service system, and then finally forwards the corresponding consumption processing results to the merchant APP.

為進一步保證安全性，手機POS端中的emv kernel可在eSE端進行實現，eSE直接通過NFC晶片與銀行卡完成小額雙免交互流程後，使用金鑰，對讀取到的銀行卡敏感性資料(二磁軌資訊等)進行加密後，再返回給手機POS端。 In order to further ensure security, the emv kernel in the POS terminal of the mobile phone can be implemented on the eSE terminal. After the eSE directly completes the small-amount double-free interaction process through the NFC chip and the bank card, it uses the key to read the sensitive data of the bank card. (Second magnetic track information, etc.) After being encrypted, it is returned to the POS terminal of the mobile phone.

根據本發明各實施例，至少可實現如下有益技術效果： According to various embodiments of the present invention, at least the following beneficial technical effects can be achieved:

1、在無需任何外接設備和對手機進行深度系統定制下，直接利用商戶所擁有的個人手機實現銀行卡收單POS功能，不僅能提升商戶收單的便捷性和效率，而且使得商戶用戶在使用收單功能時，體驗與使用手機上的其他APP相同，顯著提升了收單產品的使用者體驗。 1. Without any external equipment and in-depth system customization of the mobile phone, the personal mobile phone owned by the merchant can be directly used to realize the POS function of bank card receipt, which can not only improve the convenience and efficiency of the merchant's receipt of bills, but also enable merchant users to use When using the acquiring function, the experience is the same as using other apps on the mobile phone, which significantly improves the user experience of acquiring products.

2、因無需採購任何專有設備，商戶只需在個人手機上下載安裝APP，並線上提交關於商戶資質要素的材料即可完成APP開通，提高了商戶POS功能開通的效率與及時性。 2. Because there is no need to purchase any proprietary equipment, merchants only need to download and install the APP on their personal mobile phones, and submit the materials about the merchant's qualification elements online to complete the APP activation, which improves the efficiency and timeliness of the merchant's POS function activation.

3、無需任何專有設備，直接使用商戶的個人手機，也降低了收單機構以往布放POS機所需的管道採購、維護等方面的人力、資金和時間成本，經濟地為商戶提供收單能力，降低了POS機管理的難度。 3. No need for any proprietary equipment, directly using the merchant's personal mobile phone, which also reduces the manpower, capital and time costs of pipeline procurement and maintenance required by the acquirer to deploy POS machines in the past, and provides merchants with an economical ability, reducing the difficulty of POS machine management.

上述說明僅針對於本發明的優選實施例，並不在於限制本發明的保護範圍。本領域技術人員可能作出各種變形設計，而不脫離本發明的思想及附隨的申請專利範圍。The above description is only aimed at preferred embodiments of the present invention, and is not intended to limit the scope of protection of the present invention. Those skilled in the art may make various deformation designs without departing from the idea of the present invention and the scope of the accompanying patent application.

20‧‧‧銷售點管理裝置 201‧‧‧銀行卡讀取單元 202‧‧‧安全管理單元 203‧‧‧交易管理控制項20‧‧‧Point of sale management device 201‧‧‧Bank card reading unit 202‧‧‧Safety Management Unit 203‧‧‧Transaction management control items

圖1示出現有技術中的POS收單系統的架構圖。 Fig. 1 shows the structure diagram of the POS acquiring system in the prior art.

圖2示出本發明提供的一種基於智慧終端機的銷售點管理裝置的模組結構示意圖。 FIG. 2 shows a schematic diagram of the module structure of a smart terminal-based point-of-sale management device provided by the present invention.

圖3示出本發明提供的POS收單系統的架構圖。 Fig. 3 shows the structure diagram of the POS acquiring system provided by the present invention.

圖4示出商戶線上開通業務的流程示意圖。 Fig. 4 shows a schematic flow diagram of a merchant activating a business online.

圖5示出銀行卡小額雙免消費業務的流程示意圖。Fig. 5 shows a schematic flow diagram of the bank card small-amount double-free consumption service.

20:銷售點管理裝置 20: Point of sale management device

201:銀行卡讀取單元 201: Bank card reading unit

202:安全管理單元 202: Security Management Unit

203:交易管理控制項 203: Transaction management control items

Claims (8)

一種基於智慧終端機的銷售點管理裝置，包括：銀行卡讀取單元，用於從銀行卡讀取第一資料；安全管理單元，與所述銀行卡讀取單元耦合，用於基於所述第一資料、存儲於所述安全管理單元的第二資料以及基於交易場景的第三資料生成加密的第四資料；以及交易管理控制項，與所述安全管理單元耦合，用於將所述第四資料轉送至所述智慧終端機，以由所述智慧終端機將所述第四資料發送至銷售點管理服務系統；其中，所述銀行卡讀取單元、所述安全管理單元和所述交易管理控制項設置於所述智慧終端機內或與其相集成，所述第二資料包括關於所述銷售點管理裝置的、經所述銷售點管理服務系統核准的商戶標識資訊，其中，所述安全管理單元配置成：啟動所述銀行卡讀取單元的讀卡工作模式，所述銀行卡讀取單元根據所述讀卡工作模式來從銀行卡讀取所述第一資料，以及其中，所述交易管理控制項配置成：在通過所述銷售點管理裝置獲取所述智慧終端機的可信設備識別碼後，組裝為商戶開通資訊報文以提供給所述銷售點管理服務系統，所述銷售點管理服務系統整體為所述智慧終端機集成，或者設置於所述智慧終端機內。 A point-of-sale management device based on a smart terminal, comprising: a bank card reading unit for reading first information from a bank card; a security management unit coupled with the bank card reading unit for A data, the second data stored in the security management unit, and the third data based on the transaction scene generate encrypted fourth data; and a transaction management control item, coupled with the security management unit, for converting the fourth data The data is transferred to the smart terminal, so that the smart terminal sends the fourth data to the point-of-sale management service system; wherein, the bank card reading unit, the security management unit and the transaction management The control item is set in the smart terminal or integrated with it, the second data includes merchant identification information about the point-of-sale management device approved by the point-of-sale management service system, wherein the security management The unit is configured to: start the card reading working mode of the bank card reading unit, the bank card reading unit reads the first data from the bank card according to the card reading working mode, and wherein the transaction The management control item is configured to: after obtaining the trusted device identification code of the smart terminal through the point-of-sale management device, assemble a merchant activation information message to provide to the point-of-sale management service system, and the point-of-sale The overall management service system is integrated with the smart terminal, or is set in the smart terminal. 根據申請專利範圍第1項所述的裝置，其中，所述安 全管理單元還配置成：採用所述商戶標識資訊作為金鑰組中的第一金鑰，來對所述第一資料、第二資料以及第三資料的組合進行加密，以生成所述第四資料。 According to the device described in item 1 of the scope of patent application, wherein, the The full management unit is further configured to: use the merchant identification information as the first key in the key group to encrypt the combination of the first data, the second data and the third data to generate the fourth material. 根據申請專利範圍第1或2項所述的裝置，其中，所述銀行卡讀取單元至少包括近場通信模組。 According to the device described in item 1 or 2 of the patent scope of the application, the bank card reading unit includes at least a near field communication module. 一種銷售點管理服務系統，包括：報文收取單元，與多個根據申請專利範圍第1至3項中任一項所述的銷售點管理裝置分別耦合，所述報文收取單元從各所述銷售點管理裝置分別獲取相應的第一交易報文；報文轉換單元，與交易受理後臺系統耦合，所述報文轉換單元將所述交易報文轉換為所述交易受理後臺系統所允許的第二交易報文。 A point-of-sale management service system, comprising: a message receiving unit, coupled with a plurality of point-of-sale management devices according to any one of items 1 to 3 of the scope of the patent application, and the message receiving unit receives from each The point-of-sale management device respectively obtains the corresponding first transaction message; the message conversion unit is coupled with the transaction acceptance background system, and the message conversion unit converts the transaction message into the first transaction message allowed by the transaction acceptance background system. 2. Transaction messages. 根據申請專利範圍第4項所述的系統，其中，所述銷售點管理服務系統包括商戶管理子系統，其中，所述商戶管理子系統配置成：從所述銷售點管理裝置接收商戶的註冊請求；核准所述註冊請求；生成相應的所述商戶標識資訊；以及將所述商戶標識資訊回饋至所述銷售點管理裝置。 According to the system described in item 4 of the scope of patent application, wherein the point-of-sale management service system includes a merchant management subsystem, wherein the merchant management subsystem is configured to: receive a merchant’s registration request from the point-of-sale management device ; approve the registration request; generate corresponding merchant identification information; and feed back the merchant identification information to the point-of-sale management device. 根據申請專利範圍第5項所述的系統，其中，所述報文轉換單元配置成：基於包括第一金鑰的金鑰組來對所述第一交易報文進行解密，以獲得經解密報文，其中，所述第一金鑰對應於所述商戶管理子系統所生成的商戶標識資訊。 According to the system described in item 5 of the patent scope of the application, the message conversion unit is configured to: decrypt the first transaction message based on the key group including the first key, so as to obtain the decrypted message , wherein the first key corresponds to the merchant identification information generated by the merchant management subsystem. 根據申請專利範圍第6項所述的系統，其中，所述報文收取單元還配置成：基於所述商戶管理子系統所生成的所述商戶標識資訊來核實所述第一交易報文所包含的交易場景因素資訊以及使用者因素資訊。 According to the system described in item 6 of the scope of patent application, wherein, the message receiving unit is further configured to: verify the information contained in the first transaction message based on the merchant identification information generated by the merchant management subsystem The transaction scenario factor information and user factor information. 一種交易處理系統，按照雲計算平臺來部署，所述交易處理系統包括：至少一個如申請專利範圍第1至3項中任一項所述的銷售點管理裝置；如申請專利範圍第4至7項中任一項所述的銷售點管理服務系統；以及交易受理後臺系統；其中，所述銷售點管理服務系統組態成：從所述銷售點管理裝置獲取第一交易報文；基於所述第一交易報文生成第二交易報文；以及將所述第二交易報文轉送至所述交易受理後臺系統來 完成交易處理流程。 A transaction processing system, deployed according to a cloud computing platform, the transaction processing system includes: at least one point-of-sale management device as described in any one of the patent scopes 1 to 3; as in the patent scope 4 to 7 The point-of-sale management service system described in any one of the items; and the transaction acceptance background system; wherein, the point-of-sale management service system is configured to: obtain the first transaction message from the point-of-sale management device; based on the The first transaction message generates a second transaction message; and the second transaction message is forwarded to the transaction acceptance background system for Complete the transaction processing process.
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