WO2020124991A1 - Cloud kernel-based receiving terminal system - Google Patents

Cloud kernel-based receiving terminal system Download PDF

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Publication number
WO2020124991A1
WO2020124991A1 PCT/CN2019/094507 CN2019094507W WO2020124991A1 WO 2020124991 A1 WO2020124991 A1 WO 2020124991A1 CN 2019094507 W CN2019094507 W CN 2019094507W WO 2020124991 A1 WO2020124991 A1 WO 2020124991A1
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cloud
module
interaction
receiving terminal
terminal
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PCT/CN2019/094507
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French (fr)
Chinese (zh)
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张琦
万四爽
邱雪涛
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***股份有限公司
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Publication of WO2020124991A1 publication Critical patent/WO2020124991A1/en

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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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the invention relates to cloud technology, and in particular to a receiving terminal system based on a cloud kernel.
  • the existing receiving terminal is generally a single device, integrating software and hardware, in which the core, application, and UI logic are placed on the same device.
  • problems In terms of terminal form, the complexity is high, and the closed independent equipment is difficult to streamline the software and hardware separately, and the integration ability with the merchant's original system is poor;
  • the deployment method is not flexible, the product delivery speed is slow, and the structure cannot expand the new acceptance terminal flexibly; in terms of expansion and update capabilities, the ability to expand innovative services and innovative technologies is poor, there is no modularization, it is not flexible, and it is difficult to upgrade;
  • terminal cost the cost of hardware and R&D is high, and the cost of use and maintenance after product launch is high.
  • the lightweight of the terminal simplifying the terminal, reducing the terminal cost, increasing the flexibility, and the ability of the terminal to be embedded in external systems and environments are a trend of terminal development in the future and can bring a certain positive impact to the receiving terminal.
  • the present invention aims to propose a cloud kernel-based acceptance terminal system capable of realizing terminal weight reduction.
  • the present invention proposes a cloud-based acceptance terminal system, which uses virtualization technology to place most of the transaction processing logic on the cloud server to form a "cloud core + light terminal” acceptance terminal system, thereby enabling Realize the lightweight and flexibility of the terminal, and improve the scalability and update ability of the terminal.
  • An acceptance terminal system based on a cloud kernel in one aspect of the present invention is characterized by comprising: an acceptance terminal and a cloud server,
  • the acceptance terminal includes:
  • An interaction module used for information interaction with the cloud server and for providing a user interaction interface, and performing interaction logic processing
  • a data communication module used for data interaction and data processing with the cloud server,
  • the cloud server includes:
  • the cloud kernel is used to perform data interaction with the accepting terminal and implement processing of core business logic, and implement processing logic such as payment applications, terminal cores, and transaction message assembly and upload in traditional terminals.
  • the accepting terminal further includes:
  • An information reading module is used to read the information to be processed and provide it to the data communication module.
  • the information reading module is a card reader or PinPad.
  • a long link is used for communication between the acceptance terminal and the cloud server.
  • the cloud kernel includes one or more of the following independent function modules:
  • Transaction processing management module used to control payment logic, process transaction information, assemble transaction messages, and upload to payment platform;
  • Cardholder verification management module used to manage cardholder verification methods
  • a terminal risk management module for implementing risk management and control of the acceptance terminal
  • An acceptance terminal system based on a cloud kernel in one aspect of the present invention is characterized by comprising: an acceptance terminal and a cloud server,
  • the acceptance terminal includes:
  • a data communication module used for data interaction with the cloud server and data processing
  • the cloud server includes:
  • An interaction module for remotely providing a user interaction interface and for data interaction with the data communication module to perform interaction logic processing
  • the cloud kernel is used to obtain data from the interaction module, and implement processing of core business logic, and implement processing logic such as payment applications, terminal kernels, and transaction message assembly and upload in traditional terminals.
  • the accepting terminal further includes:
  • An information reading module is used to read the information to be processed and provide it to the data communication module.
  • the information reading module is a card reader.
  • the interaction module provides a user interaction interface remotely through a browser.
  • a long link is used for communication between the acceptance terminal and the cloud server.
  • the cloud kernel includes one or more of the following independent function modules:
  • Transaction processing management module used to control payment logic, process transaction information, assemble transaction messages, and upload to payment platform;
  • Cardholder verification management module used to manage cardholder verification methods
  • a terminal risk management module for implementing risk management and control of the acceptance terminal
  • the acceptance terminal system of the cloud core of the present invention by placing the transaction core in the cloud server, the acceptance terminal can be made lighter, and the acceptance terminal's requirements on the operating environment, security, etc. are greatly reduced.
  • the acceptance terminal form will be more flexible, and in terms of scalability and update capability, the upgrade and reconstruction only needs to be performed on the cloud server, which can reduce the cost of transformation.
  • FIG. 1 is a schematic diagram showing a configuration of a cloud kernel-based reception terminal system according to a first embodiment of the present invention.
  • FIG. 2 is a schematic diagram showing the structure of an example kernel.
  • FIG. 3 is a schematic diagram showing a configuration of a receiving terminal system based on a cloud kernel according to a second embodiment of the present invention.
  • the interaction layer and the business logic processing layer of the traditional terminal are separated, and the traditional terminal is split into three modules according to the transaction processing logic: core business logic processing module, interaction module and card communication module.
  • the core business logic processing module is mainly used to implement core functions, such as terminal risk management, cardholder verification method management, etc., to achieve business logic processing, background payment system docking, terminal access and management, etc. Communicate with the user interaction module and the card communication module to complete the transaction processing.
  • the interaction module is used to provide user interaction interface, complete interaction logic processing, and connect and manage peripherals. Functionally realize transaction element input, transaction request submission, cardholder verification information input, etc.
  • the card communication module is used to realize data communication reading with the card. Functionally realize card communication protocol processing and data interaction.
  • the business logic processing module is placed in the cloud server to form a cloud kernel, and the user interaction module and the card communication module are placed on the terminal side, thereby realizing light-weight acceptance terminal.
  • the UI interface of the interaction module and its processing logic can also be placed on the cloud server and provided to users through HTML5 and other methods.
  • the cloud kernel communicates with the user interaction module and the card communication module on the acceptance terminal side through the network to complete payment processing processes such as transaction submission, transaction processing, message packaging and sending, and transaction result judgment.
  • payment processing processes such as transaction submission, transaction processing, message packaging and sending, and transaction result judgment.
  • communication methods such as long connection can be used.
  • the transaction processing logic is placed on the cloud server.
  • Most of the calculation logic is completed by the core business logic processing module of the cloud server, and the receiving terminal side is only responsible for user interaction and reading card data.
  • the logic of the receiving terminal is more clear, and the logic on the receiving terminal side is simpler, which is beneficial to simplify the terminal in form and flexibly adapt to the needs of various payment scenarios.
  • the terminal software part is installed as an SDK in the merchant MIS system, and the relevant hardware (such as a card reader, PinPad) can be inserted and removed in the system to realize the acceptance.
  • the terminal side is further simplified into a card reader.
  • the transaction processing logic is placed in the cloud server, it is easier to update and maintain the receiving terminal, and most of the on-site operations can be avoided, and the processing is performed directly on the cloud server.
  • FIG. 1 is a schematic diagram showing a configuration of a cloud kernel-based reception terminal system according to a first embodiment of the present invention.
  • the cloud kernel-based acceptance terminal system includes an acceptance terminal 100 and a cloud server 200.
  • the receiving terminal 100 is an independent integrated device, and can provide an operation interface, a card reader, and the like. Among them, the receiving terminal 100 includes:
  • the interaction module 110 is used for information interaction with the cloud server and for providing a user interaction interface, performing interaction logic processing, such as calling a cloud server service interface, submitting transaction information, etc.;
  • the information reading module 120 is used to read the information that needs to be processed, for example, it can be implemented by a card reader or PinPad; and
  • the data communication module 130 is used for data interaction between the receiving terminal 100 and the cloud server 200, receiving data from the cloud server 200 and sending the data to the cloud server 200, for example, converting the data provided by the information reading module 120 into a specific protocol In order to realize data interaction processing between the information reading module 120 and the cloud server 200.
  • the cloud server 200 includes: a cloud core 210, which is used to perform data interaction with the receiving terminal 100 and implement processing of core business logic, such as implementing payment applications, terminal cores, and transaction message assembly and upload processing in traditional terminals logic.
  • core business logic such as implementing payment applications, terminal cores, and transaction message assembly and upload processing in traditional terminals logic.
  • the receiving terminal 100 and the cloud server 200 communicate using a long link method.
  • the cloud core 210 it is used to perform core business logic processing and complete most of the calculation logic. Next, a specific example of the cloud core 210 is given.
  • FIG. 2 is a schematic diagram showing the structure of an example kernel.
  • the cloud kernel 210 includes one or more of the following independent function modules, which are only examples.
  • the present invention is not limited to these modules, and other business modules required by the business needs can be set up: the transaction processing management module 211, used For processing transaction information, such as controlling payment logic, processing transaction information, assembling transaction messages, and uploading to payment platforms;
  • Cardholder verification method management module (CVM) 212 for managing cardholder verification methods
  • a terminal risk management module (TRM) 213 is used to implement risk management and control of the receiving terminal.
  • the cloud kernel 210 may also include other kernel functions of the traditional terminal.
  • the payment process includes:
  • the cashier On the side of the receiving terminal 100, the cashier enters transaction elements, such as transaction type, transaction amount, etc., through the UI interface provided by the interaction module 110.
  • transaction elements such as transaction type, transaction amount, etc.
  • the core 210 of the cloud server 200 obtains transaction element data, and the relevant functional modules of the core 210 perform transaction logic processing. In the transaction processing process, corresponding processing is required according to the processing flow.
  • the core 210 submits a card reading request to the receiving terminal 100 side;
  • the interaction module 110 prompts to place the card through the UI
  • the relevant function module of the core 210 requests to read to request the card communication layer to read the card information
  • the card communication module 130 reads the card information according to the card communication protocol through the information reading module 120 (such as a card reader) and returns it to the cloud server 200.
  • the core 210 submits the cardholder verification request to the receiving terminal 100 side;
  • the interaction module 110 prompts to input the online password through the UI
  • the interaction module 110 obtains the input data read by the information reading module 120 (eg PinPad);
  • the input data is returned to the core 210 of the cloud server 200.
  • the core 210 completes the packaging and sending of the transaction message, performs online verification and authorization, and sends the payment authorization result back to the receiving terminal 100 side.
  • the receiving terminal 100 side displays the transaction processing result on its UI.
  • FIG. 3 is a schematic diagram showing a configuration of a receiving terminal system based on a cloud kernel according to a second embodiment of the present invention.
  • a cloud kernel-based acceptance terminal system includes an acceptance terminal 500 and a cloud server 600.
  • the receiving terminal 500 includes:
  • the data communication module 510 is used for data interaction and data processing with the cloud server 600;
  • the information reading module 520 is used to read information to be processed and provide it to the data communication module, such as a card reader.
  • Cloud server 600 includes:
  • the interaction module 610 is used to remotely provide a user interaction interface and communicate with the data communication module 510 to perform interaction logic processing;
  • the cloud kernel 620 is used to perform data interaction with the interaction module 610 and implement processing of core business logic, for example, to implement payment applications, terminal kernels, and transaction message assembly and upload processing logic in traditional terminals.
  • the cloud kernel 620 may also include other kernel functions of the traditional terminal.
  • the receiving terminal 500 and the cloud server 600 communicate using a long link.
  • the cloud kernel 600 may include one or more of the following independent function modules:
  • Transaction processing management module used to process transaction information
  • Cardholder verification management module for managing cardholder verification methods
  • the terminal risk management module is used to realize the risk management and control of the acceptance terminal.
  • the payment process includes:
  • the cashier accesses the UI page of the interaction module 610 through the browser of the cash register device (such as a PC, etc.) of the merchant device, and inputs transaction elements, such as transaction type, transaction amount, and the like.
  • the cash register device such as a PC, etc.
  • the transaction element data is submitted to the interaction module 610 of the cloud server 600 through the network.
  • the interaction module submits the transaction element to the relevant function module of the kernel 620.
  • the relevant functional modules of the core 620 perform transaction logic processing.
  • reading the card-related information includes the following flow:
  • the interaction module 610 updates information on the interface, prompting to place a card
  • the relevant module of the core 620 requests to read to request the card communication layer to read the card information
  • the data communication module 510 (for example, a card communication module) reads card information according to the card communication protocol and returns it to the core 620; and
  • the kernel 620 completes the packaging and sending of transaction messages, and performs online verification and authorization.
  • the interaction module 610 updates the information on the page and displays the transaction processing result.
  • the transaction core is placed in the cloud in the form of the terminal, and the requirements of the terminal on the operating environment, security, etc. are greatly reduced, which is beneficial to simplify the terminal.
  • the terminal form is more flexible and can be easily adapted to various scenarios. For example, install the terminal software part as an SDK into the merchant MIS system, and insert and remove related hardware (such as card reader, PinPad) in the system. Realize acceptance.
  • terminal management configuration is performed in the cloud, with low on-site operation requirements and fast product delivery speed. Flexibility is improved, and merchants can expand new acceptance equipment as needed.
  • terminal cost on the one hand, after the terminal is simplified, R&D and hardware costs are reduced. On the other hand, after the kernel and other functions are placed in the cloud, maintenance costs are reduced.

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Abstract

A cloud kernel-based receiving terminal system, characterized by comprising: a receiving terminal (100) and a cloud-end server (200). The receiving terminal (100) comprises: an interaction module (110) used for performing information interaction with the cloud-end server (200) and providing a user interaction interface to perform interactive logic processing; and a data communication module (130) used for performing data interaction with the cloud-end server (200) and implementing data processing. The cloud-end server (200) comprises: a cloud kernel (210) used for performing data interaction with the receiving terminal (100) and implementing the processing of core service logic. By means of placing a transaction core in the cloud-end server (200), the present system enables the receiving terminal (100) to be lightweight, and the requirements of the receiving terminal (100) for an operating environment, security and other aspects are greatly reduced.

Description

基于云内核的受理终端***Accepting terminal system based on cloud kernel 技术领域Technical field
本发明涉及云技术，具体地涉及一种基于云内核的受理终端***。The invention relates to cloud technology, and in particular to a receiving terminal system based on a cloud kernel.
背景技术Background technique
随着移动支付、物联网等技术的发展，传统终端已无法满足市场各方的需求，在用户体验、终端成本、更新扩展能力、部署和维护的便利性等方面表现出了明显的劣势和不足。With the development of mobile payment, Internet of Things and other technologies, traditional terminals have been unable to meet the needs of all parties in the market, showing obvious disadvantages and deficiencies in terms of user experience, terminal costs, update expansion capabilities, ease of deployment and maintenance, etc. .
现有的受理终端一般是单体设备，软硬件一体，其中，内核、应用、UI逻辑放在同一设备上。在这样的现有技术中存在以下问题：在终端形态上，复杂度高，封闭的独立设备，难以分别在软硬件上做精简，并且与商户原有***的集成能力差；在入网方式上，部署方式不够灵活，产品投放速度慢，结构上，不能灵活扩展新的受理终端；在扩展和更新能力上，对创新业务和创新技术扩展能力差，没有形成模块化，不够灵活，升级改造难；在终端成本上，硬件、研发成本高，并且产品投放后使用和维护成本高。The existing receiving terminal is generally a single device, integrating software and hardware, in which the core, application, and UI logic are placed on the same device. In such existing technologies, there are the following problems: In terms of terminal form, the complexity is high, and the closed independent equipment is difficult to streamline the software and hardware separately, and the integration ability with the merchant's original system is poor; The deployment method is not flexible, the product delivery speed is slow, and the structure cannot expand the new acceptance terminal flexibly; in terms of expansion and update capabilities, the ability to expand innovative services and innovative technologies is poor, there is no modularization, it is not flexible, and it is difficult to upgrade; In terms of terminal cost, the cost of hardware and R&D is high, and the cost of use and maintenance after product launch is high.
因此，终端的轻量化，简化终端，降低终端成本，增加灵活性以及终端嵌入外部***和环境的能力，是未来终端发展的一个趋势，能够给受理终端带来一定的积极影响。Therefore, the lightweight of the terminal, simplifying the terminal, reducing the terminal cost, increasing the flexibility, and the ability of the terminal to be embedded in external systems and environments are a trend of terminal development in the future and can bring a certain positive impact to the receiving terminal.
发明内容Summary of the invention
鉴于上述问题，本发明旨在提出一种能够实现终端轻量化的基于云内核的受理终端***。In view of the above problems, the present invention aims to propose a cloud kernel-based acceptance terminal system capable of realizing terminal weight reduction.
为了实现上述目的，本发明提出一种基于云内核的受理终端***，利用虚拟化技术，将大部分交易处理逻辑放在云端服务器，形成“云内核+轻终端”的受理终端***，由此能够实现终端的轻量化和灵活性，提高终端的扩展性和更新能力。In order to achieve the above object, the present invention proposes a cloud-based acceptance terminal system, which uses virtualization technology to place most of the transaction processing logic on the cloud server to form a "cloud core + light terminal" acceptance terminal system, thereby enabling Realize the lightweight and flexibility of the terminal, and improve the scalability and update ability of the terminal.
本发明的一方面的基于云内核的受理终端***，其特征在于，包括：受理终端和云端服务器，An acceptance terminal system based on a cloud kernel in one aspect of the present invention is characterized by comprising: an acceptance terminal and a cloud server,
所述受理终端包括：The acceptance terminal includes:
交互模块，用于与所述云端服务器进行信息交互并且用于提供用户交互界面，执 行交互逻辑处理；以及An interaction module, used for information interaction with the cloud server and for providing a user interaction interface, and performing interaction logic processing; and
数据通讯模块，用于与所述云端服务器进行数据交互并且实现数据处理，A data communication module, used for data interaction and data processing with the cloud server,
所述云端服务器包括：The cloud server includes:
云内核，用于与所述受理终端进行数据交互并实现对核心业务逻辑的处理，实现传统终端中的支付应用、终端内核以及交易报文组装和上送等处理逻辑。The cloud kernel is used to perform data interaction with the accepting terminal and implement processing of core business logic, and implement processing logic such as payment applications, terminal cores, and transaction message assembly and upload in traditional terminals.
可选地，所述受理终端进一步包括：Optionally, the accepting terminal further includes:
信息读取模块，用于读取需要处理的信息并提供给所述数据通信模块。An information reading module is used to read the information to be processed and provide it to the data communication module.
可选地，所述信息读取模块是读卡器或者PinPad。Optionally, the information reading module is a card reader or PinPad.
可选地，所述受理终端和云端服务器之间采用长链接方式进行通信。Optionally, a long link is used for communication between the acceptance terminal and the cloud server.
可选地，所述云内核包括以下一个或多个的独立功能模块：Optionally, the cloud kernel includes one or more of the following independent function modules:
交易处理管理模块，用于控制支付逻辑，处理交易信息，组装交易报文，并上送至支付平台；Transaction processing management module, used to control payment logic, process transaction information, assemble transaction messages, and upload to payment platform;
持卡人验证管理模块，用于管理持卡人验证方法；Cardholder verification management module, used to manage cardholder verification methods;
终端风险管理模块，用于实现所述受理终端的风险管控；以及A terminal risk management module for implementing risk management and control of the acceptance terminal; and
传统终端的其他内核功能。Other core functions of traditional terminals.
本发明的一方面的基于云内核的受理终端***，其特征在于，包括：受理终端和云端服务器，An acceptance terminal system based on a cloud kernel in one aspect of the present invention is characterized by comprising: an acceptance terminal and a cloud server,
所述受理终端包括：The acceptance terminal includes:
数据通信模块，用于与所述云端服务器进行数据交互并且实现数据处理，A data communication module, used for data interaction with the cloud server and data processing,
所述云端服务器包括：The cloud server includes:
交互模块，用于远程提供用户交互界面以及用于与所述数据通信模块进行数据交互，以执行交互逻辑处理；以及An interaction module for remotely providing a user interaction interface and for data interaction with the data communication module to perform interaction logic processing; and
云内核，用于从所述交互模块获得数据，并实现对核心业务逻辑的处理，实现传统终端中的支付应用、终端内核以及交易报文组装和上送等处理逻辑。The cloud kernel is used to obtain data from the interaction module, and implement processing of core business logic, and implement processing logic such as payment applications, terminal kernels, and transaction message assembly and upload in traditional terminals.
可选地，所述受理终端进一步包括：Optionally, the accepting terminal further includes:
信息读取模块，用于读取需要处理的信息并提供给所述数据通信模块。An information reading module is used to read the information to be processed and provide it to the data communication module.
可选地，所述信息读取模块是读卡器。Optionally, the information reading module is a card reader.
可选地，所述交互模块通过浏览器远程提供用户交互界面。Optionally, the interaction module provides a user interaction interface remotely through a browser.
可选地，所述受理终端和云端服务器之间采用长链接方式进行通信。Optionally, a long link is used for communication between the acceptance terminal and the cloud server.
可选地，所述云内核包括以下一个或多个的独立功能模块：Optionally, the cloud kernel includes one or more of the following independent function modules:
交易处理管理模块，用于控制支付逻辑，处理交易信息，组装交易报文，并上送至支付平台；Transaction processing management module, used to control payment logic, process transaction information, assemble transaction messages, and upload to payment platform;
持卡人验证管理模块，用于管理持卡人验证方法；Cardholder verification management module, used to manage cardholder verification methods;
终端风险管理模块，用于实现所述受理终端的风险管控；以及A terminal risk management module for implementing risk management and control of the acceptance terminal; and
传统终端的其他内核功能。Other core functions of traditional terminals.
如上所述，根据本发明的云内核的受理终端***，通过将交易核心放到云端服务器，则能够使得受理终端实现轻量化，受理终端对运行环境、安全等方面的要求等大大降低。另一方面，通过将交易核心放到云端服务器，受理终端形态将更加灵活，而且，在扩展性和更新能力上，升级改造只需要在云端服务器进行即可，能够减少改造成本。As described above, according to the acceptance terminal system of the cloud core of the present invention, by placing the transaction core in the cloud server, the acceptance terminal can be made lighter, and the acceptance terminal's requirements on the operating environment, security, etc. are greatly reduced. On the other hand, by placing the transaction core in the cloud server, the acceptance terminal form will be more flexible, and in terms of scalability and update capability, the upgrade and reconstruction only needs to be performed on the cloud server, which can reduce the cost of transformation.
附图说明BRIEF DESCRIPTION
图1是表示本发明第一实施方式的基于云内核的受理终端***的结构示意图。FIG. 1 is a schematic diagram showing a configuration of a cloud kernel-based reception terminal system according to a first embodiment of the present invention.
图2是表示一个示例的内核的结构示意图。FIG. 2 is a schematic diagram showing the structure of an example kernel.
图3是表示本发明第二实施方式的基于云内核的受理终端***的结构示意图。FIG. 3 is a schematic diagram showing a configuration of a receiving terminal system based on a cloud kernel according to a second embodiment of the present invention.
具体实施方式detailed description
下面介绍的是本发明的多个实施例中的一些，旨在提供对本发明的基本了解。并不旨在确认本发明的关键或决定性的要素或限定所要保护的范围。The following introduces some of the multiple embodiments of the present invention, and is intended to provide a basic understanding of the present invention. It is not intended to confirm the key or decisive elements of the present invention or limit the scope of protection.
首先，对于本发明的基于云内核的受理终端***的技术构思进行说明。First, the technical concept of the cloud-based reception terminal system of the present invention will be described.
在本发明中，对传统终端的交互层与业务逻辑处理层进行分离，将传统终端按照交易处理逻辑拆分为三个模块：核心业务逻辑处理模块、交互模块和卡片通讯模块。In the present invention, the interaction layer and the business logic processing layer of the traditional terminal are separated, and the traditional terminal is split into three modules according to the transaction processing logic: core business logic processing module, interaction module and card communication module.
其中，核心业务逻辑处理模块用于实现内核功能为主，如终端风险管理、持卡人验证方法管理等，在功能上实现业务逻辑处理、后台支付***对接、终端的接入和管理等，通过与用户交互模块和卡片通讯模块进行通讯，完成对交易的处理。Among them, the core business logic processing module is mainly used to implement core functions, such as terminal risk management, cardholder verification method management, etc., to achieve business logic processing, background payment system docking, terminal access and management, etc. Communicate with the user interaction module and the card communication module to complete the transaction processing.
交互模块用于提供用户交互界面、完成交互逻辑处理，连接管理外设等。 在功能上实现交易要素输入、交易请求提交、持卡人验证信息输入等。The interaction module is used to provide user interaction interface, complete interaction logic processing, and connect and manage peripherals. Functionally realize transaction element input, transaction request submission, cardholder verification information input, etc.
卡片通讯模块用于实现与卡片的数据通讯读。在功能上实现卡片通讯协议处理和数据交互。The card communication module is used to realize data communication reading with the card. Functionally realize card communication protocol processing and data interaction.
为了实现轻量化受理终端，在本发明中将业务逻辑处理模块放到云端服务器中，形成云内核，将用户交互模块和卡片通讯模块放到终端侧，由此实现受理终端轻量化。In order to realize the light-weight acceptance terminal, in the present invention, the business logic processing module is placed in the cloud server to form a cloud kernel, and the user interaction module and the card communication module are placed on the terminal side, thereby realizing light-weight acceptance terminal.
进一步，还可以将交互模块的UI界面及其处理逻辑放到云端服务器，通过HTML5等方式提供给用户。Further, the UI interface of the interaction module and its processing logic can also be placed on the cloud server and provided to users through HTML5 and other methods.
云内核通过网络，与受理终端侧的用户交互模块和卡片通讯模块进行通讯，以完成交易提交、交易处理、报文封装上送和交易结果判断等支付处理流程。为提高网络通讯效率，可以采用长连接等通讯方式。The cloud kernel communicates with the user interaction module and the card communication module on the acceptance terminal side through the network to complete payment processing processes such as transaction submission, transaction processing, message packaging and sending, and transaction result judgment. In order to improve network communication efficiency, communication methods such as long connection can be used.
在本发明中将交易处理逻辑放在云端服务器，由云端服务器的核心业务逻辑处理模块完成了大部分的计算逻辑，受理终端侧只负责用户交互与读取卡片数据。由此，受理终端逻辑更加分明，而且受理终端侧的逻辑更加简单，有利于形态上简化终端，灵活适应各种支付场景需求。例如将终端软件部分作为SDK安装到商户MIS***中，通过在***插拔相关的硬件(如读卡器、PinPad)即可实现受理。又例如，在公交场景下，终端侧进一步简化成读卡器。In the present invention, the transaction processing logic is placed on the cloud server. Most of the calculation logic is completed by the core business logic processing module of the cloud server, and the receiving terminal side is only responsible for user interaction and reading card data. As a result, the logic of the receiving terminal is more clear, and the logic on the receiving terminal side is simpler, which is beneficial to simplify the terminal in form and flexibly adapt to the needs of various payment scenarios. For example, the terminal software part is installed as an SDK in the merchant MIS system, and the relevant hardware (such as a card reader, PinPad) can be inserted and removed in the system to realize the acceptance. For another example, in the bus scene, the terminal side is further simplified into a card reader.
而且，根据本发明，由于将交易处理逻辑放在云端服务器，对于受理终端的更新、维护更加简单，可以避免大部分的现场操作，直接在云端服务器进行。Moreover, according to the present invention, since the transaction processing logic is placed in the cloud server, it is easier to update and maintain the receiving terminal, and most of the on-site operations can be avoided, and the processing is performed directly on the cloud server.
接着，对于本发明的基于云内核的受理终端***的具体实施方式进行说明。Next, a specific embodiment of the acceptance terminal system based on the cloud kernel of the present invention will be described.
图1是表示本发明第一实施方式的基于云内核的受理终端***的结构示意图。FIG. 1 is a schematic diagram showing a configuration of a cloud kernel-based reception terminal system according to a first embodiment of the present invention.
如图1所示，本发明第一实施方式的基于云内核的受理终端***，包括：受理终端100和云端服务器200。As shown in FIG. 1, the cloud kernel-based acceptance terminal system according to the first embodiment of the present invention includes an acceptance terminal 100 and a cloud server 200.
受理终端100为独立一体设备，能够提供操作界面、读卡器等等。其中，受理终端100包括：The receiving terminal 100 is an independent integrated device, and can provide an operation interface, a card reader, and the like. Among them, the receiving terminal 100 includes:
交互模块110，用于与所述云端服务器进行信息交互并且用于提供用户交互界面，执行交互逻辑处理，例如调用云端服务器服务接口、提交交易信息等；The interaction module 110 is used for information interaction with the cloud server and for providing a user interaction interface, performing interaction logic processing, such as calling a cloud server service interface, submitting transaction information, etc.;
信息读取模块120，用于读取需要处理的信息，例如可以采用读卡器或者PinPad等实现；以及The information reading module 120 is used to read the information that needs to be processed, for example, it can be implemented by a card reader or PinPad; and
数据通讯模块130，用于在受理终端100与云端服务器200之间进行数据交互，接收来自云端服务器200的数据并向云端服务器200发送数据，例如将信息读取模块120提供的数据转换成具体协议以实现信息读取模块120与云端服务器200之间的数据交互处理。The data communication module 130 is used for data interaction between the receiving terminal 100 and the cloud server 200, receiving data from the cloud server 200 and sending the data to the cloud server 200, for example, converting the data provided by the information reading module 120 into a specific protocol In order to realize data interaction processing between the information reading module 120 and the cloud server 200.
其中，云端服务器200包括：云内核210，用于与受理终端100进行数据交互并实现对核心业务逻辑的处理，例如实现传统终端中的支付应用、终端内核以及交易报文组装和上送等处理逻辑。Among them, the cloud server 200 includes: a cloud core 210, which is used to perform data interaction with the receiving terminal 100 and implement processing of core business logic, such as implementing payment applications, terminal cores, and transaction message assembly and upload processing in traditional terminals logic.
受理终端100和云端服务器200之间作为一个示例，采用长链接方式进行通信。As an example, the receiving terminal 100 and the cloud server 200 communicate using a long link method.
关于云内核210，用于执行核心业务逻辑处理，完成大部分的计算逻辑，接着，例举一个云内核210的具体的示例。Regarding the cloud core 210, it is used to perform core business logic processing and complete most of the calculation logic. Next, a specific example of the cloud core 210 is given.
图2是表示一个示例的内核的结构示意图。FIG. 2 is a schematic diagram showing the structure of an example kernel.
如图2所示，云内核210包括以下一个或多个的独立功能模块，这里仅仅是示例，本发明不限于这些模块，可以按照业务需要设置需要的其他业务模块：交易处理管理模块211，用于处理交易信息，例如控制支付逻辑，处理交易信息，组装交易报文，并上送至支付平台；As shown in FIG. 2, the cloud kernel 210 includes one or more of the following independent function modules, which are only examples. The present invention is not limited to these modules, and other business modules required by the business needs can be set up: the transaction processing management module 211, used For processing transaction information, such as controlling payment logic, processing transaction information, assembling transaction messages, and uploading to payment platforms;
持卡人验证方法管理模块(CVM)212，用于管理持卡人验证方法；以及Cardholder verification method management module (CVM) 212 for managing cardholder verification methods; and
终端风险管理模块(TRM)213，用于实现所述受理终端的风险管控。A terminal risk management module (TRM) 213 is used to implement risk management and control of the receiving terminal.
进一步，云内核210还可以包括传统终端的其他内核功能。Further, the cloud kernel 210 may also include other kernel functions of the traditional terminal.
接着，对于利用本发明第一实施方式的云内核的受理终端***实现的支付交易流程进行说明。这里，作为受理终端，例如是商户的收银设备，支付流程包括：Next, the payment transaction flow realized by the acceptance terminal system of the cloud kernel according to the first embodiment of the present invention will be described. Here, as the acceptance terminal, for example, a merchant's cash register device, the payment process includes:
(1)收银员在受理终端100侧，通过交互模块110提供的UI界面，输入交易要素，例如交易类型、交易金额等。(1) On the side of the receiving terminal 100, the cashier enters transaction elements, such as transaction type, transaction amount, etc., through the UI interface provided by the interaction module 110.
(2)交易要素数据通过网络提交给云端服务器200。(2) The transaction element data is submitted to the cloud server 200 via the network.
(3)云端服务器200的内核210获得交易要素数据，内核210相关功能模块进行交易逻辑处理，在交易处理过程中，根据处理流程需要进行相应处理。(3) The core 210 of the cloud server 200 obtains transaction element data, and the relevant functional modules of the core 210 perform transaction logic processing. In the transaction processing process, corresponding processing is required according to the processing flow.
例如：需要读取卡片相关信息时：For example: when you need to read card-related information:
内核210向受理终端100侧提交读取卡片请求；The core 210 submits a card reading request to the receiving terminal 100 side;
交互模块110通过UI提示放置卡片；The interaction module 110 prompts to place the card through the UI;
内核210的相关功能模块请求读取向卡片通讯层请求读取卡片信息；The relevant function module of the core 210 requests to read to request the card communication layer to read the card information;
卡片通讯模块130通过信息读取模块120(例如读卡器)按照卡片通讯协议读取卡片信息，并返回给云端服务器200。The card communication module 130 reads the card information according to the card communication protocol through the information reading module 120 (such as a card reader) and returns it to the cloud server 200.
例如需要执行持卡人验证时：For example, when cardholder verification is required:
内核210向受理终端100侧提交持卡人验证请求；The core 210 submits the cardholder verification request to the receiving terminal 100 side;
交互模块110通过UI提示输入联机密码；The interaction module 110 prompts to input the online password through the UI;
交互模块110获得信息读取模块120(例如PinPad)所读取的输入数据；The interaction module 110 obtains the input data read by the information reading module 120 (eg PinPad);
将该输入数据返回给云端服务器200的内核210。The input data is returned to the core 210 of the cloud server 200.
(4)内核210完成交易报文封装和发送，执行在线验证和授权，并将支付授权结果发送回受理终端100侧。(4) The core 210 completes the packaging and sending of the transaction message, performs online verification and authorization, and sends the payment authorization result back to the receiving terminal 100 side.
(5)受理终端100侧在其UI上显示交易处理结果。(5) The receiving terminal 100 side displays the transaction processing result on its UI.
接着，对于本发明第二实施方式的基于云内核的受理终端***进行说明。Next, the reception terminal system based on the cloud kernel of the second embodiment of the present invention will be described.
图3是表示本发明第二实施方式的基于云内核的受理终端***的结构示意图。FIG. 3 is a schematic diagram showing a configuration of a receiving terminal system based on a cloud kernel according to a second embodiment of the present invention.
如图3所示，本发明第二实施方式的基于云内核的受理终端***包括：受理终端500和云端服务器600。As shown in FIG. 3, a cloud kernel-based acceptance terminal system according to a second embodiment of the present invention includes an acceptance terminal 500 and a cloud server 600.
其中，受理终端500包括：Among them, the receiving terminal 500 includes:
数据通信模块510，用于与云端服务器600进行数据交互并且实现数据处理；以及The data communication module 510 is used for data interaction and data processing with the cloud server 600; and
信息读取模块520，用于读取需要处理的信息并提供给所述数据通信模块，例如读卡器等。The information reading module 520 is used to read information to be processed and provide it to the data communication module, such as a card reader.
云端服务器600包括： Cloud server 600 includes:
交互模块610，用于远程提供用户交互界面以及与所述数据通信模块510进行通信，以执行交互逻辑处理；以及The interaction module 610 is used to remotely provide a user interaction interface and communicate with the data communication module 510 to perform interaction logic processing; and
云内核620，用于与交互模块610进行数据交互并实现对核心业务逻辑的处理，例如，实现传统终端中的支付应用、终端内核以及交易报文组装和上送等处理逻 辑。The cloud kernel 620 is used to perform data interaction with the interaction module 610 and implement processing of core business logic, for example, to implement payment applications, terminal kernels, and transaction message assembly and upload processing logic in traditional terminals.
进一步，云内核620还可以包括传统终端的其他内核功能。Further, the cloud kernel 620 may also include other kernel functions of the traditional terminal.
作为一个示例，受理终端500和云端服务器600之间采用长链接方式进行通信。As an example, the receiving terminal 500 and the cloud server 600 communicate using a long link.
另外，与第一实施方式相同，云内核600可以包括以下一个或多个的独立功能模块：In addition, as in the first embodiment, the cloud kernel 600 may include one or more of the following independent function modules:
交易处理管理模块，用于处理交易信息；Transaction processing management module, used to process transaction information;
持卡人验证管理模块，用于管理持卡人验证方法；以及Cardholder verification management module for managing cardholder verification methods; and
终端风险管理模块，用于实现所述受理终端的风险管控。The terminal risk management module is used to realize the risk management and control of the acceptance terminal.
接着，对于利用本发明第二实施方式的云内核的受理终端***实现的支付交易流程进行说明。这里，作为受理终端500，例如是商户的收银设备，支付流程包括：Next, the payment transaction flow realized by the acceptance terminal system of the cloud kernel according to the second embodiment of the present invention will be described. Here, as the acceptance terminal 500, for example, a merchant's cash register device, the payment process includes:
(1)收银员通过商户设备的收银设备(如PC等)的浏览器访问交互模块610的UI页面，输入交易要素，如交易类型、交易金额等。(1) The cashier accesses the UI page of the interaction module 610 through the browser of the cash register device (such as a PC, etc.) of the merchant device, and inputs transaction elements, such as transaction type, transaction amount, and the like.
(2)交易要素数据通过网络提交给云端服务器600的交互模块610。(2) The transaction element data is submitted to the interaction module 610 of the cloud server 600 through the network.
(3)交互模块将交易要素提交给内核620的相关功能模块。(3) The interaction module submits the transaction element to the relevant function module of the kernel 620.
(4)内核620的相关功能模块进行交易逻辑处理，在交易处理过程中，根据处理流程需要，如：读取卡片相关信息时包括下述流程：(4) The relevant functional modules of the core 620 perform transaction logic processing. During the transaction processing, according to the needs of the processing flow, such as: reading the card-related information includes the following flow:
交互模块610在界面上更新信息，提示放置卡片；The interaction module 610 updates information on the interface, prompting to place a card;
内核620的相关模块请求读取向卡片通讯层请求读取卡片信息；The relevant module of the core 620 requests to read to request the card communication layer to read the card information;
数据通讯模块510(例如可以是卡片通信模块)按照卡片通讯协议读取卡片信息，并返回给内核620；以及The data communication module 510 (for example, a card communication module) reads card information according to the card communication protocol and returns it to the core 620; and
内核620完成交易报文封装和发送，执行在线验证和授权。The kernel 620 completes the packaging and sending of transaction messages, and performs online verification and authorization.
(5)交互模块610在页面上更新信息，显示交易处理结果。(5) The interaction module 610 updates the information on the page and displays the transaction processing result.
根据本发明的云内核的受理终端***，在终端形态上将交易核心放到云端，终端对运行环境、安全等方面的要求等大大降低，有利于对终端进行简化。另一方面，终端形态更加灵活，能够方便的适应各种场景需求，如将终端软件部分作为SDK安装到商户MIS***中，通过在***插拔相关的硬件(如读卡器、PinPad)即可实现受理。According to the cloud core receiving terminal system of the present invention, the transaction core is placed in the cloud in the form of the terminal, and the requirements of the terminal on the operating environment, security, etc. are greatly reduced, which is beneficial to simplify the terminal. On the other hand, the terminal form is more flexible and can be easily adapted to various scenarios. For example, install the terminal software part as an SDK into the merchant MIS system, and insert and remove related hardware (such as card reader, PinPad) in the system. Realize acceptance.
在入网方式上，终端的管理配置在云端进行，现场操作要求低，产品投放速度快。灵活性得到提高，商户可按需扩展新的受理设备。In terms of network access, terminal management configuration is performed in the cloud, with low on-site operation requirements and fast product delivery speed. Flexibility is improved, and merchants can expand new acceptance equipment as needed.
在扩展性和更新能力上，升级改造在云端进行，减少了改造成本。同时，增加了创新支付业务和技术的设计空间，扩展能力大大增强。In terms of scalability and update capability, upgrades and transformations are performed in the cloud, reducing the cost of transformation. At the same time, the design space for innovative payment services and technologies has been increased, and the expansion capabilities have been greatly enhanced.
在终端成本上，一方面，终端简化后，研发和硬件成本的降低，另一方面，内核等功能放在云端后，维护成本降低。In terms of terminal cost, on the one hand, after the terminal is simplified, R&D and hardware costs are reduced. On the other hand, after the kernel and other functions are placed in the cloud, maintenance costs are reduced.
以上例子主要说明了本发明的云内核的受理终端***。尽管只对其中一些本发明的具体实施方式进行了描述，但是本领域普通技术人员应当了解，本发明可以在不偏离其主旨与范围内以许多其他的形式实施。因此，所展示的例子与实施方式被视为示意性的而非限制性的，在不脱离如所附各权利要求所定义的本发明精神及范围的情况下，本发明可能涵盖各种的修改与替换。The above examples have mainly explained the acceptance terminal system of the cloud kernel of the present invention. Although only some of the specific embodiments of the present invention have been described, those of ordinary skill in the art should understand that the present invention can be implemented in many other forms without departing from the spirit and scope of the invention. Therefore, the examples and embodiments shown are to be regarded as illustrative rather than restrictive, and the present invention may cover various modifications without departing from the spirit and scope of the present invention as defined by the appended claims. And replace.

Claims (11)

  1. 一种基于云内核的受理终端***，其特征在于，包括：受理终端和云端服务器，所述受理终端包括：An acceptance terminal system based on a cloud kernel, characterized by comprising: an acceptance terminal and a cloud server, the acceptance terminal including:
    交互模块，用于与所述云端服务器进行信息交互并且用于提供用户交互界面，执行交互逻辑处理；以及An interaction module, used for information interaction with the cloud server and for providing a user interaction interface, and performing interaction logic processing; and
    数据通讯模块，用于与所述云端服务器进行数据交互并且实现数据处理，A data communication module, used for data interaction and data processing with the cloud server,
    所述云端服务器包括：The cloud server includes:
    云内核，用于与所述受理终端进行数据交互并实现对核心业务逻辑的处理。The cloud kernel is used to perform data interaction with the receiving terminal and implement processing of core business logic.
  2. 如权利要求1所述的基于云内核的受理终端***，其特征在于，The acceptance terminal system based on the cloud kernel according to claim 1, wherein:
    所述受理终端进一步包括：The receiving terminal further includes:
    信息读取模块，用于读取需要处理的信息并提供给所述数据通信模块。An information reading module is used to read the information to be processed and provide it to the data communication module.
  3. 如权利要求1所述的基于云内核的受理终端***，其特征在于，The acceptance terminal system based on the cloud kernel according to claim 1, wherein:
    所述信息读取模块是读卡器或者PinPad。The information reading module is a card reader or PinPad.
  4. 如权利要求1～3任意一项所述的基于云内核的受理终端***，其特征在于，所述受理终端和云端服务器之间采用长链接方式进行通信。The receiving terminal system based on the cloud kernel according to any one of claims 1 to 3, wherein the receiving terminal and the cloud server communicate using a long link method.
  5. 如权利要求1～3任意一项所述的基于云内核的受理终端***，其特征在于，所述云内核包括以下一个或多个的独立功能模块：The receiving terminal system based on a cloud kernel according to any one of claims 1 to 3, wherein the cloud kernel includes one or more of the following independent function modules:
    交易处理管理模块，用于控制支付逻辑并处理交易信息；Transaction processing management module, used to control payment logic and process transaction information;
    持卡人验证管理模块，用于管理持卡人验证方法；以及Cardholder verification management module for managing cardholder verification methods; and
    终端风险管理模块，用于实现所述受理终端的风险管控。The terminal risk management module is used to realize the risk management and control of the acceptance terminal.
  6. 一种基于云内核的受理终端***，其特征在于，包括：受理终端和云端服务器，所述受理终端包括：An acceptance terminal system based on a cloud kernel, characterized by comprising: an acceptance terminal and a cloud server, the acceptance terminal including:
    数据通信模块，用于与所述云端服务器进行数据交互并且实现数据处理，A data communication module, used for data interaction with the cloud server and data processing,
    所述云端服务器包括：The cloud server includes:
    交互模块，用于远程提供用户交互界面以及用于与所述数据通信模块进行数据交互，以执行交互逻辑处理；以及An interaction module for remotely providing a user interaction interface and for data interaction with the data communication module to perform interaction logic processing; and
    云内核，用于从所述交互模块获得数据，并实现对核心业务逻辑的处理。The cloud kernel is used to obtain data from the interaction module and implement processing of core business logic.
  7. 如权利要求6所述的基于云内核的受理终端***，其特征在于，The acceptance terminal system based on the cloud kernel according to claim 6, wherein:
    所述受理终端进一步包括：The receiving terminal further includes:
    信息读取模块，用于读取需要处理的信息并提供给所述数据通信模块。An information reading module is used to read the information to be processed and provide it to the data communication module.
  8. 如权利要求7所述的基于云内核的受理终端***，其特征在于，The acceptance terminal system based on the cloud kernel according to claim 7, wherein:
    所述信息读取模块是读卡器。The information reading module is a card reader.
  9. 如权利要求6所述的基于云内核的受理终端***，其特征在于，The acceptance terminal system based on the cloud kernel according to claim 6, wherein:
    所述交互模块通过浏览器远程提供用户交互界面。The interaction module provides a user interaction interface remotely through a browser.
  10. 如权利要求6～9任意一项所述的基于云内核的受理终端***，其特征在于，所述受理终端和云端服务器之间采用长链接方式进行通信。The receiving terminal system based on the cloud kernel according to any one of claims 6 to 9, wherein the receiving terminal and the cloud server communicate using a long link method.
  11. 如权利要求6～9任意一项所述的基于云内核的受理终端***，其特征在于，所述云内核包括以下一个或多个的独立功能模块：The receiving terminal system based on the cloud kernel according to any one of claims 6 to 9, wherein the cloud kernel includes one or more of the following independent function modules:
    交易处理管理模块，用于控制支付逻辑并处理交易信息；Transaction processing management module, used to control payment logic and process transaction information;
    持卡人验证管理模块，用于管理持卡人验证方法；以及Cardholder verification management module for managing cardholder verification methods; and
    终端风险管理模块，用于实现所述受理终端的风险管控。The terminal risk management module is used to realize the risk management and control of the acceptance terminal.
PCT/CN2019/094507 2018-12-21 2019-07-03 Cloud kernel-based receiving terminal system WO2020124991A1 (en)

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