CN102903189A - Terminal transaction method and device - Google Patents
Terminal transaction method and device Download PDFInfo
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- CN102903189A CN102903189A CN2011102094781A CN201110209478A CN102903189A CN 102903189 A CN102903189 A CN 102903189A CN 2011102094781 A CN2011102094781 A CN 2011102094781A CN 201110209478 A CN201110209478 A CN 201110209478A CN 102903189 A CN102903189 A CN 102903189A
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Abstract
The invention provides a terminal transaction method and device. A flexible and convenient POS (point of sale) functional software method is adopted, so that a merchant can operate the required POS function at any time according to own needs only by downloading different POS software onto one hardware platform instead of adding different POS terminals, the merchant can enter into different bank gateways for carrying out network commercial transactions by virtue of the hardware platform, and the problem of difficulty in swiping a card and paying a bill is solved for customers.
Description
Technical field
The present invention relates to the network trading technical field, relate in particular to a kind of terminal transaction method and device.
Background technology
Along with the development of economy, business activity and the modes of payments are also general all the more and abundant.At present, current trade company need to buy or lease the POS machine by bank's channel and be embodied as consumer's bankcard consumption, does not have the POS machine just can not carry out/finish the POS gathering, namely will realize the function of the POS of a bank, will buy the POS machine of a bank.But in fact a concrete POS function is to realize by application software, and hardware is just realized the instrument of this function.Existing actual conditions be trade company in order to realize concrete POS function, often need to purchase expensive external facility (being hardware facility).And different credit card issuers has different POS machines, and trade company often needs to purchase the POS machine terminal of several banks in order to satisfy different holders' demand, causes the extra-pay expenditure to trade company.
And between the POS machine that the whole world is different and the bank's gateway different communication modes is arranged, take the U.S. as example, the POS machine can send to gateway with communication data by fixation phone line, netting twine, wireless GPRS mode.The different communication modes of POS machine has brought puzzlement in use to the user; If there is more than one POS machine in trade company, so only select on the communication modes, just waste the too much time of trade company, also caused unnecessary waste.
In brief, a POS function only limits and is integrated on the terminal, in other words, only limits the software that a POS function is installed on the terminal, is that a kind of product design that extremely falls behind and bad user experience.At first, this is a kind of rigid clause, do not consider that hardware innately possesses the possibility of download to different application software, so that a terminal is realizing POS function (after namely having downloaded the POS program), this terminal just can only be used as the POS machine, and other potential functions (being other application programs) just have been rejected.
Secondly, the POS function is to be realized by concrete POS software, even if a terminal is referred to as the POS terminal, if but do not have POS software, it can not realize the POS function, can not carry out POS consumption; Therefore, from this view point, the core of POS function is POS software, and the POS function should be that and then POS software is walked, rather than existing mode, and sending the POS function is to send a POS terminal.As from the foregoing, traditional POS mode limits in the dust that terminal (terminal can only fill POS software) also limits in the dust POS application program (a POS program can only be contained on the POS terminal).
Therefore, design a kind of flexibly, method of commerce easily and system be very necessary, is one of network trading technical field problem at present anxious to be resolved.
Summary of the invention
The embodiment of the invention provides a kind of terminal transaction method and device, the method of POS functional software be so that trade company can move at any time according to the needs of oneself needed POS function flexibly, easily by a kind of, do not need additionally to acquire again different POS terminals, only need to download to different POS software on the hardware platform and get final product, like this by this hardware platform, trade company can enter different bank's gateways, carry out network commercial transactions, for client has solved the difficulty of swiping the card, the difficult problem of paying.
The embodiment of the invention provides following technical scheme:
A kind of terminal transaction method comprises step:
S1, transaction terminal login platform, and verify;
S2, platform send to transaction terminal with the POS application program;
S3, transaction terminal receive the Transaction Information that obtains;
S4, Transaction Information is packed and encryption;
S5, the data of packaging ciphering are sent to platform with the ciphertext form.
Preferably, in the above-mentioned steps three, Transaction Information includes but not limited to credit card number, password, and the consumption amount of money.
Preferably, in the above-mentioned steps three, comprising:
S31, startup transaction terminal, and the POS application program of receiving platform transmission.
The Transaction Informations such as S32, reception card number, password, the consumption amount of money.
Preferably, among the above-mentioned steps S31, comprising:
S311, transaction terminal read the login password of input, check, and errorless such as the login password affirmation, transaction terminal is logined platform by wireless mode.
S312, platform are received the information of transaction terminal login, will pass to transaction terminal under the POS application program that have in the platform.
S313, transaction terminal reception and selection platform POS application program.
Preferably, among the above-mentioned steps S32, comprising:
S321, select the icon of the POS application program of bank at transaction terminal.
The information that S322, transaction terminal will enter bank POS is uploaded to platform, after platform is received request, verifies errorlessly, passes to transaction terminal under the transaction interface with bank POS.
S323, the input consumption amount of money are also confirmed.
S324, click transaction terminal enter the interface of swiping the card.
The password of S325, input bank card.
Preferably, in the above-mentioned steps four, comprising:
POS application program in S41, the transaction terminal is packed according to the form of bank/gateway agreement to information.
POS application program in S42, the transaction terminal is encrypted packing data with the key of bank/gateway.
A kind of terminal transaction system comprises transaction terminal, gateway, bank transaction system and a platform,
Transaction terminal is used for receiving the Transaction Information that obtains, and above-mentioned Transaction Information is uploaded to platform; Be used for the command information that bank transaction server that receiving platform sends is admitted or refused;
Platform is used for receiving the Transaction Information that transaction terminal is uploaded; Be used for to receive that bank transaction server that gateway sends is admitted or the command information refused sends to transaction terminal;
Gateway is used for the Transaction Information that receiving platform sends, and Transaction Information is sent to the bank transaction server; Be used for to receive that the bank transaction server is admitted or the command information refused and send to platform.
The bank transaction server is used for receiving the Transaction Information that gateway sends, and examines, and the command information of admitting or refusing after examining is sent to gateway.
Preferably, above-mentioned transaction terminal further comprises acquisition module, for obtaining Transaction Informations such as including but not limited to credit card number, password and the consumption amount of money.
Preferably, above-mentioned transaction terminal further comprises the first sending module, be used for credit card number, password, and the Transaction Information such as the consumption amount of money sends to platform.
Preferably, above-mentioned transaction terminal further comprises the first receiver module, is used for the command information that bank transaction server that receiving platform sends is admitted or refused.
Preferably, above-mentioned transaction terminal further comprises the program load-on module, is used for the application program of storing on loading and the application platform.
Preferably, above-mentioned transaction terminal further comprises logging modle, is used for the managing detailed catalogue of the each transaction of record.
Preferably, above-mentioned transaction terminal further comprises removing module, is used for that in a single day Transaction Information is encrypted transmission and will deletes immediately afterwards.
Preferably, above-mentioned transaction terminal further comprises print module, is used for printing consumption certificate, for both parties provide transaction entity voucher.
Preferably, above-mentioned transaction terminal comprises packing and encrypting module, be used for that POS application program in the transaction terminal is packed according to the form of bank/gateway agreement to information and transaction terminal in the POS application program with the key of bank/gateway packing data is encrypted.
Preferably, above-mentioned platform further comprises the second receiver module, is used for receiving the Transaction Information that transaction terminal is uploaded; Be used for to receive that bank transaction server that gateway sends is admitted or the command information refused sends to transaction terminal.
Preferably, above-mentioned platform further comprises the second sending module, and the Transaction Information that is used for the encryption that will receive sends to gateway by the special communication link; Be used for to receive that bank transaction server that gateway sends is admitted or the command information refused sends to transaction terminal.
Preferably, above-mentioned platform further comprises program storage block, is used for storing the application program that is placed on the platform.
Preferably, above-mentioned platform further comprises update module, is used for the application program that is stored in platform is upgraded.
Preferably, above-mentioned renewal includes but not limited to upgrading, renewal and the replacement of application programs.
Preferably, above-mentioned gateway further comprises the 3rd receiver module, is used for the Transaction Information that receiving platform sends; Be used for receiving the command information that the bank transaction server is admitted or refused.
Preferably, above-mentioned gateway further comprises the 3rd sending module, is used for the Transaction Information that receives is sent to the bank transaction server; Be used for to receive that the bank transaction server is admitted or the command information refused and send to platform.
Preferably, above-mentioned bank transaction server further comprises the 4th receiver module, is used for receiving the Transaction Information that gateway sends.
Preferably, the further inclusion information validating module of above-mentioned bank transaction server is used for the Transaction Information that receives, and includes but not limited to card number, password, and information such as the consumption amount of money etc. checks with the customer information that prestores, and sends the command information of admitting or refusing.
Preferably, above-mentioned bank transaction server further comprises the 4th sending module, and the command information of admitting or refusing after being used for examining sends to gateway.
A kind of terminal transaction method provided by the invention and device, the method of POS functional software be so that trade company can move at any time according to the needs of oneself needed POS function flexibly, easily by a kind of, do not need additionally to acquire again different POS terminals, only need to download to different POS software on the hardware platform and get final product, like this by this hardware platform, trade company can enter different bank's gateways, carry out network commercial transactions, for client has solved the difficulty of swiping the card, the difficult problem of paying.
Description of drawings
In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art, the below will do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art.Apparently, the accompanying drawing in the following describes only is some embodiments of the present invention, for those of ordinary skills, under the prerequisite of not paying creative work, can also obtain according to these accompanying drawings other accompanying drawing.
Fig. 1 is the terminal transaction method flow diagram that the embodiment of the invention provides;
Fig. 2 is the terminal transaction system schematic diagram that the embodiment of the invention provides;
Fig. 3 is the transaction terminal schematic diagram of the terminal transaction system that provides of the embodiment of the invention;
Fig. 4 is the platform schematic diagram of the terminal transaction system that provides of the embodiment of the invention;
Fig. 5 is the bank transaction server schematic diagram of the terminal transaction system that provides of the embodiment of the invention.
Embodiment
A kind of terminal transaction method and device that the embodiment of the invention provides, the method of POS functional software be so that trade company can move at any time according to the needs of oneself needed POS function flexibly, easily by a kind of, do not need additionally to acquire again different POS terminals, only need to download to different POS software on the hardware platform and get final product, like this by this hardware platform, trade company can enter different bank's gateways, carry out network commercial transactions, for client has solved the difficulty of swiping the card, the difficult problem of paying.For making purpose of the present invention, technical scheme and advantage clearer, the embodiment that develops simultaneously with reference to the accompanying drawings, the present invention is described in more detail.
The embodiment of the invention provides a kind of terminal transaction method, and as shown in Figure 1, concrete steps comprise:
S1, transaction terminal login platform, and verify;
S2, platform send to transaction terminal with the POS application program;
S3, transaction terminal receive the Transaction Information that obtains;
S4, Transaction Information is packed and encryption;
S5, the data of packaging ciphering are sent to platform with the ciphertext form.
Particularly, step S3 further comprises:
S31, startup transaction terminal, and the POS application program of receiving platform transmission.
The Transaction Informations such as S32, reception card number, password, the consumption amount of money.
Particularly, step S31 comprises:
S311, transaction terminal read the login password of input, check, and errorless such as the login password affirmation, transaction terminal is logined platform by wireless mode.
S312, platform are received the information of transaction terminal login, will pass to transaction terminal under the POS application program that have in the platform.
S313, transaction terminal receive and select platform POS application program.
Particularly, step S32 comprises:
S321, select the icon of the POS application program of bank at transaction terminal.
The information that S322, transaction terminal will enter bank POS is uploaded to platform, after platform is received request, verifies errorlessly, passes to transaction terminal under the transaction interface with bank POS.
S323, the input consumption amount of money are also confirmed.
S324, click transaction terminal enter the interface of swiping the card.
Particularly, trade company's prompting client swipes the card the credit card of A bank at transaction terminal.
The password of S325, input bank card.
Particularly, input the password of bank card at code keypad.
Particularly, step S4 further comprises:
POS application program in S41, the transaction terminal is packed according to the form of bank/gateway agreement to information.
POS application program in S42, the transaction terminal is encrypted packing data with the key of bank/gateway.
The present invention's one specific embodiment is as follows:
Transaction terminal is opened by trade company, the login password that input trade company sets in advance, and transaction terminal is checked after reading the login password of this input.Errorless such as this login password affirmation, transaction terminal will be logined platform by wireless mode.Platform is passed to transaction terminal under the POS application program that begins to store in the platform after receiving the information of transaction terminal login.Transaction terminal receives the POS application program that platform sends.After 100 yuan of certain customer consumption shopping, will show the credit card of A bank and pay.So the icon of the POS application program of A bank is selected by trade company at transaction terminal.The information that transaction terminal will enter " A bank POS " is uploaded to platform, and the platform request of receiving is also verified errorlessly, passes to transaction terminal under the transaction interface with the A bank POS.
So trade company is after transaction terminal is seen A bank POS transaction interface, the amount of money " 100.00 " of input customer consumption shopping is checked transaction terminal, and is allowed client confirm the amount of money to client.After bank confirmed above-mentioned information, trade company clicked the Next button on the transaction terminal, enters the interface of swiping the card, and the prompting client of trade company swipes the card the credit card of A bank at transaction terminal.Client swipe the card complete after, trade company clicks the Next button on the transaction terminal, enters interface for password input, the prompting client of trade company is at code keypad input A bank credit clip pin.At this moment, transaction terminal has obtained card number, the password of A bank card, and the consumption amount of money, and transaction terminal uploads to platform with these Transaction Informations.In addition, the POS application program in the transaction terminal will be packed according to the form of bank/gateway agreement to information, and the POS application program in the transaction terminal is encrypted packing data with the key of bank/gateway.Finally, the data with packaging ciphering send to platform with the ciphertext form.
Platform will be encrypted Transaction Information by A bank encryption key after receiving the Transaction Information that transaction terminal sends.And platform will send to gateway with the information of encrypting by the special communication link.After gateway is received Transaction Information after the encryption, this enciphered message is sent to the bank transaction server of A bank.The trading server of A bank receives the Transaction Information that gateway sends, and examines, and the information after examining is admitted or refuses to return to gateway.The information that gateway will be admitted or refuse sends to platform, sends to transaction terminal after platform is received again.Finally, the command information of admitting or refusing that platform sends is seen at transaction terminal by trade company, and then finishes this time transaction.
The embodiment of the invention provides a kind of terminal transaction system, as shown in Figure 2, comprises transaction terminal 1, platform 2, gateway 3, bank transaction server 4.
Transaction terminal 1: be used for receiving the Transaction Information that obtains, include but not limited to card number, the password of credit card, and consume the amount of money, and above-mentioned Transaction Information is uploaded to platform; Be used for the command information that bank transaction server that receiving platform sends is admitted or refused.
As shown in Figure 3, transaction terminal comprises an acquisition module 11: for obtaining Transaction Informations such as including but not limited to credit card number, password and the consumption amount of money.
Particularly, transaction terminal is opened by trade company, the login password that input trade company sets in advance, and transaction terminal is checked after reading the login password of this input.Errorless such as this login password affirmation, transaction terminal will be logined platform by wireless mode.Platform is passed to transaction terminal under the POS application program that begins to store in the platform after receiving the information of transaction terminal login.Transaction terminal receives POS application program that platform sends.After 100 yuan of certain customer consumption shopping, will show the credit card of A bank and pay.So the icon of the POS application program of A bank is selected by trade company at transaction terminal.The information that transaction terminal will enter " A bank POS " is uploaded to platform, and the platform request of receiving is also verified errorlessly, passes to transaction terminal under the transaction interface with the A bank POS.So trade company is after transaction terminal is seen A bank POS transaction interface, the amount of money " 100.00 " of input customer consumption shopping is checked transaction terminal, and is allowed client confirm the amount of money to client.After bank confirmed above-mentioned information, trade company clicked the Next button on the transaction terminal, enters the interface of swiping the card, and the prompting client of trade company swipes the card the credit card of A bank at transaction terminal.Client swipe the card complete after, trade company clicks the Next button on the transaction terminal, enters interface for password input, the prompting client of trade company is at code keypad input A bank credit clip pin.At this moment, transaction terminal has obtained card number, the password of A bank card, and the consumption amount of money.
Transaction terminal comprises one first sending module 12: be used for credit card number, password, and the Transaction Information such as the consumption amount of money sends to platform.
Transaction terminal comprises one first receiver module 13: be used for the command information that bank transaction server that receiving platform sends is admitted or refused.
Transaction terminal comprises program load-on module 14: after the transaction of bank card, if there is the credit card of an other bank to conclude the business, then trade company directly can finish at transaction terminal the POS transaction of an other bank card.Above process of exchange just can be finished on a transaction terminal, the POS trading function of different bank (being POS software) is in the past peeled off out from transaction terminal, POS trading function (being POS software) is all on platform, transaction terminal just plays connecting platform, application program on the reading platform, this is just so that what of program that transaction terminal self has been downloaded are the function that can realize by transaction terminal do not depend on, and how much deciding by the program on the platform, program on the platform increases endlessly, and the function that can realize on the transaction terminal so (application program) will constantly increase.The magnanimity application program of terminal in can usage platform except using the POS function, can also watch video, listens MP3, plays games, sees e-book, do digital photo frame; Make terminal have commercial use (POS function) and amusement function (game, music, film) concurrently, namely terminal can load with application platform on the application program of storing.
Transaction terminal comprises packing and encrypting module 15: the POS application program in the transaction terminal is packed according to the form of bank/gateway agreement to information, and the POS application program in the transaction terminal is encrypted packing data with the key of bank/gateway.
In an embodiment of the present invention, transaction terminal can further comprise logging modle 16: transaction terminal is inner can to record the information that client concludes the business at every turn, but these information are transaction details information, it is not the personal information on client's bank card, transaction details information just is convenient to consumption information or the information of collecting account of user management record oneself, and strict guarantee client's personal account information is not leaked out.
Transaction terminal can further comprise removing module 17: transaction terminal only just reads the information on client's bank card when carrying out transaction, and this Transaction Information will be deleted after in a single day being encrypted and sending immediately, can not leave over any information on this transaction terminal body, only keep non-sensitive information.
Transaction terminal can further comprise a print module 18: this transaction terminal not only can record transaction details information (not relating to accounts information), but also can print consumption certificate by print module, for both parties provide transaction entity voucher.
Platform 2: be used for receiving the Transaction Information that transaction terminal is uploaded; Be used for to receive that bank transaction server that gateway sends is admitted or the command information refused sends to transaction terminal.
Particularly, as shown in Figure 4, platform comprises the second receiver module 21: be used for receiving the Transaction Information that transaction terminal is uploaded; Be used for to receive that bank transaction server that gateway sends is admitted or the command information refused sends to transaction terminal.
Platform comprises the second sending module 22: the Transaction Information for the encryption that will receive sends to gateway by the special communication link; Be used for to receive that bank transaction server that gateway sends is admitted or the command information refused sends to transaction terminal.
Platform comprises program storage block 23: be used for storing the various application programs that are placed on the hardware platform.The POS trading function of different bank (being POS software) is in the past peeled off out from transaction terminal, POS trading function (being POS software) is all on platform, transaction terminal just plays connecting platform, application program on the reading platform, this is just so that what of program that transaction terminal self has been downloaded are the function that can realize by transaction terminal do not depend on, and how much deciding by the program on the platform, program on the platform increases endlessly, and the function that can realize on the transaction terminal so (application program) will constantly increase.The magnanimity application program of terminal in can usage platform except using the POS function, can also watch video, listens MP3, plays games, sees e-book, do digital photo frame; Make terminal have commercial use (POS function) and amusement function (game, music, film) concurrently.
In embodiments of the present invention, platform can further comprise a update module 24: be used for all application programs that is retained in platform are included but not limited to the operation of upgrading, upgrade, replacing.All application programs all are retained in the platform, the upgrading of application program, renewal, replacement all are to carry out at platform, need not transaction terminal is done any adjustment, transaction terminal only need be responsible for spreading the information of grabbing and send to platform, concrete application finished by the application program on the platform and with the result feedback finished to transaction terminal.
Gateway 3: be used for the Transaction Information that receiving platform sends, and Transaction Information is sent to the bank transaction server; Be used for to receive that the bank transaction server is admitted or the command information refused and send to platform.
Gateway comprises the 3rd receiver module 31: be used for the Transaction Information that receiving platform sends; Be used for receiving the command information that the bank transaction server is admitted or refused.
Gateway comprises the 3rd sending module 32: be used for the Transaction Information that receives is sent to the bank transaction server; Be used for to receive that the bank transaction server is admitted or the command information refused and send to platform.
Bank transaction server 4: be used for receiving the Transaction Information that gateway sends, and examine, the command information of admitting or refusing after examining is sent to gateway.
Particularly, as shown in Figure 5, the bank transaction server comprises the 4th receiver module 41: be used for receiving the Transaction Information that gateway sends.
Bank transaction server inclusion information validating module 42: be used for the Transaction Information that receives, include but not limited to card number, password, and information such as the consumption amount of money etc. checks with the customer information that prestores, and meets the requirements such as Transaction Information, then sends the command information of admitting; Undesirable such as Transaction Information, then send the command information of refusal.
The bank transaction server comprises the 4th sending module 43: the command information of admitting or refusing after being used for examining sends to gateway.
One of ordinary skill in the art will appreciate that and realize that all or part of step that above-described embodiment method is carried is to come the relevant hardware of instruction to finish by program, described program can be stored in a kind of computer-readable recording medium, this program comprises step of embodiment of the method one or a combination set of when carrying out.
In addition, each functional unit in each embodiment of the present invention can be integrated in the processing module, also can be that the independent physics of unit exists, and also can be integrated in the module two or more unit.Above-mentioned integrated module both can adopt the form of hardware to realize, also can adopt the form of software function module to realize.If described integrated module realizes with the form of software function module and during as independently production marketing or use, also can be stored in the computer read/write memory medium.
In sum, this paper provides the embodiment of the invention that a kind of terminal transaction method and device are provided, the method of POS functional software be so that trade company can move at any time according to the needs of oneself needed POS function flexibly, easily by a kind of, do not need additionally to acquire again different POS terminals, only need to download to different POS software on the hardware platform and get final product, like this by this hardware platform, trade company can enter different bank's gateways, carry out network commercial transactions, for client has solved the difficulty of swiping the card, the difficult problem of paying.
Above a kind of method of commerce provided by the present invention and device are described in detail, have used specific case herein principle of the present invention and embodiment are set forth, the explanation of above embodiment just is used for helping to understand the solution of the present invention; Simultaneously, for one of ordinary skill in the art, according to thought of the present invention, all will change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention.
Claims (25)
1. a terminal transaction method is characterized in that, described method of commerce comprises step:
S1, transaction terminal login platform, and verify;
S2, platform send to transaction terminal with the POS application program;
S3, transaction terminal receive the Transaction Information that obtains;
S4, Transaction Information is packed and encryption;
S5, the data of packaging ciphering are sent to platform with the ciphertext form.
2. terminal transaction method according to claim 1 is characterized in that, in described step 3, Transaction Information includes but not limited to credit card number, password, and the consumption amount of money.
3. terminal transaction method according to claim 1 is characterized in that, in described step 3, comprising:
S31, startup transaction terminal, and the POS application program of receiving platform transmission;
The Transaction Informations such as S32, reception card number, password, the consumption amount of money.
4. terminal transaction method according to claim 3 is characterized in that, in described step S31, comprising:
S311, transaction terminal read the login password of input, check, and errorless such as the login password affirmation, transaction terminal is logined platform by wireless mode;
S312, platform are received the information of transaction terminal login, will pass to transaction terminal under the POS application program that have in the platform;
S313, transaction terminal reception and selection platform POS application program.
5. terminal transaction method according to claim 3 is characterized in that, in described step S32, comprising:
S321, select the icon of the POS application program of bank at transaction terminal;
The information that S322, transaction terminal will enter bank POS is uploaded to platform, after platform is received request, verifies errorlessly, passes to transaction terminal under the transaction interface with bank POS;
S323, the input consumption amount of money are also confirmed;
S324, click transaction terminal enter the interface of swiping the card;
The password of S325, input bank card.
6. terminal transaction method according to claim 1 is characterized in that, in described step 4, comprising:
POS application program in S41, the transaction terminal is packed according to the form of bank/gateway agreement to information;
POS application program in S42, the transaction terminal is encrypted packing data with the key of bank/gateway.
7. a terminal transaction system comprises transaction terminal, gateway, bank transaction system, it is characterized in that, comprises a platform,
Described transaction terminal is used for receiving the Transaction Information that obtains, and above-mentioned Transaction Information is uploaded to platform; Be used for the command information that bank transaction server that receiving platform sends is admitted or refused;
Described platform is used for receiving the Transaction Information that transaction terminal is uploaded; Be used for to receive that bank transaction server that gateway sends is admitted or the command information refused sends to transaction terminal;
Described gateway is used for the Transaction Information that receiving platform sends, and Transaction Information is sent to the bank transaction server; Be used for to receive that the bank transaction server is admitted or the command information refused and send to platform;
Described bank transaction server is used for receiving the Transaction Information that gateway sends, and examines, and the command information of admitting or refusing after examining is sent to gateway.
8. terminal transaction system according to claim 7 is characterized in that, described transaction terminal further comprises acquisition module, for obtaining Transaction Informations such as including but not limited to credit card number, password and the consumption amount of money.
9. terminal transaction system according to claim 7 is characterized in that, described transaction terminal further comprises the first sending module, be used for credit card number, password, and the Transaction Information such as the consumption amount of money sends to platform.
10. terminal transaction system according to claim 7 is characterized in that, described transaction terminal further comprises the first receiver module, is used for the command information that bank transaction server that receiving platform sends is admitted or refused.
11. terminal transaction system according to claim 7 is characterized in that, described transaction terminal further comprises the program load-on module, is used for the application program of storing on loading and the application platform.
12. terminal transaction system according to claim 7 is characterized in that, described transaction terminal further comprises logging modle, is used for the managing detailed catalogue of the each transaction of record.
13. terminal transaction system according to claim 7 is characterized in that, described transaction terminal further comprises removing module, is used for that in a single day Transaction Information is encrypted transmission and will deletes immediately afterwards.
14. terminal transaction system according to claim 7 is characterized in that, described transaction terminal further comprises print module, is used for printing consumption certificate, for both parties provide transaction entity voucher.
15. terminal transaction system according to claim 7, it is characterized in that, described transaction terminal comprises packing and encrypting module, be used for that POS application program in the transaction terminal is packed according to the form of bank/gateway agreement to information and transaction terminal in the POS application program with the key of bank/gateway packing data is encrypted.
16. terminal transaction system according to claim 7 is characterized in that, described platform further comprises the second receiver module, is used for receiving the Transaction Information that transaction terminal is uploaded; Be used for to receive that bank transaction server that gateway sends is admitted or the command information refused sends to transaction terminal.
17. terminal transaction system according to claim 7 is characterized in that, described platform further comprises the second sending module, and the Transaction Information that is used for the encryption that will receive sends to gateway by the special communication link; Be used for to receive that bank transaction server that gateway sends is admitted or the command information refused sends to transaction terminal.
18. terminal transaction system according to claim 7 is characterized in that, described platform further comprises program storage block, is used for storing the application program that is placed on the platform.
19. terminal transaction system according to claim 7 is characterized in that, described platform further comprises update module, is used for the application program that is stored in platform is upgraded.
20. terminal transaction system according to claim 19 is characterized in that, described renewal includes but not limited to upgrading, renewal and the replacement of application programs.
21. terminal transaction system according to claim 7 is characterized in that, described gateway further comprises the 3rd receiver module, is used for the Transaction Information that receiving platform sends; Be used for receiving the command information that the bank transaction server is admitted or refused.
22. terminal transaction system according to claim 7 is characterized in that, described gateway further comprises the 3rd sending module, is used for the Transaction Information that receives is sent to the bank transaction server; Be used for to receive that the bank transaction server is admitted or the command information refused and send to platform.
23. terminal transaction system according to claim 7 is characterized in that, described bank transaction server further comprises the 4th receiver module, is used for receiving the Transaction Information that gateway sends.
24. terminal transaction system according to claim 7, it is characterized in that, the further inclusion information validating module of described bank transaction server, be used for the Transaction Information that receives, include but not limited to card number, password, and information such as the consumption amount of money etc. checks with the customer information that prestores, and sends the command information of admitting or refusing.
25. terminal transaction system according to claim 7 is characterized in that, described bank transaction server further comprises the 4th sending module, and the command information of admitting or refusing after being used for examining sends to gateway.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011102094781A CN102903189A (en) | 2011-07-25 | 2011-07-25 | Terminal transaction method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011102094781A CN102903189A (en) | 2011-07-25 | 2011-07-25 | Terminal transaction method and device |
Publications (1)
| Publication Number | Publication Date |
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| CN102903189A true CN102903189A (en) | 2013-01-30 |
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| CN105023151A (en) * | 2015-07-22 | 2015-11-04 | 天地融科技股份有限公司 | Card transaction data processing method and device |
| CN105023150A (en) * | 2015-07-22 | 2015-11-04 | 天地融科技股份有限公司 | Data processing method and device for POS machine |
| CN105956843A (en) * | 2015-12-04 | 2016-09-21 | 中国银联股份有限公司 | POS transaction processing method and system |
| WO2018040923A1 (en) * | 2016-08-29 | 2018-03-08 | 福建联迪商用设备有限公司 | Pos terminal application package download method and apparatus, and communication method |
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| CN111935158A (en) * | 2020-08-12 | 2020-11-13 | 盐城工学院 | Financial data management method of remote network consumption system |
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Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103729945A (en) * | 2013-03-15 | 2014-04-16 | 福建联迪商用设备有限公司 | Method and system for downloading terminal master key safely |
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| CN105023151A (en) * | 2015-07-22 | 2015-11-04 | 天地融科技股份有限公司 | Card transaction data processing method and device |
| CN105023150A (en) * | 2015-07-22 | 2015-11-04 | 天地融科技股份有限公司 | Data processing method and device for POS machine |
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| WO2018040923A1 (en) * | 2016-08-29 | 2018-03-08 | 福建联迪商用设备有限公司 | Pos terminal application package download method and apparatus, and communication method |
| CN108764896A (en) * | 2018-04-04 | 2018-11-06 | 阿里巴巴集团控股有限公司 | A kind of Credit Card Payments processing method and processing device |
| CN108764896B (en) * | 2018-04-04 | 2020-10-30 | 创新先进技术有限公司 | Credit card payment processing method and device |
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| CN111935158B (en) * | 2020-08-12 | 2021-02-26 | 盐城工学院 | Financial data management method of remote network consumption system |
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