WO2013077767A1

WO2013077767A1 - Mobile payment terminal

Info

Publication number: WO2013077767A1
Application number: PCT/RU2012/000764
Authority: WO
Inventors: Василий Владимирович ГАЛКИН
Original assignee: Galkin Vasilii Vladimirovich
Priority date: 2011-11-23
Filing date: 2012-09-17
Publication date: 2013-05-30

Abstract

A mobile payment terminal is claimed, comprising a housing (1) in which the following are arranged: a touch-sensitive panel (3), a display unit (4), a system unit comprising a mother board (5), an adaptive power supply (6), a GPRS modem (7), a receipt printer (8), a bill acceptor (9), and a hard drive (10). In addition, the terminal has: a Wi-Fi modem (13) and an ADSL modem (14) to create data transfer channels, a network card (15) for connecting to a local network, a fiscal data recorder (16), a device for operation with plastic bank cards (17), a coin acceptor (18) and/or a token acceptor (19). The adaptive power supply is designed so as to function as an uninterrupted power supply, and is equipped with a connector for connecting to a direct current supply (11) and a connector with an adapter (12) for connecting to an alternating current supply. This terminal is mobile and portable, does not depend on external sources of power, does not require mounting, is lightweight and compact, and also allows implementation of various types of payment using different monetary means.

Description

MOBILE PAYMENT TERMINAL

Technical field

The invention relates to devices of payment systems for various payments, such as insurance services, household services, fines, utility bills, mobile and wireline services, the Internet, etc., and in particular to mobile payment terminals.

State of the art

Known electronic cash register machine, including a processor, configured to connect to an information network [utility model RU 78593, publ. 11/27/2008]. The processor is connected to the cashier's monitor, customer display, fiscal registrar, magnetic plastic card reader and programmable keyboard. The processor is connected to the program block for crediting funds through the information network and the transaction processing server. The program block includes subunits of administration, data input, data storage and data provision. The magnetic plastic card reader is configured to work in recording mode. The disadvantages of the well-known electronic cash register machine are: the need for a cashier (operator) and an operator issuing magnetic plastic cards to their owners (administrator); use of the device with placement only at a stationary outlet; power supply only from a network of 220 V; the ability to accept a small number of types of payments.

Known payment system for use in the entrances of apartment buildings [utility model RU 95871, publ. 07/10/2010], which contains a payment terminal with an anti-vandal case, inside which there is a monitor based on a touch-resistant vandal-resistant screen, an uninterruptible power supply device, and a device for wireless or wired communication. The payment terminal is installed at the entrance of a residential building and is connected to the power supply by the electrical panel through the electricity meter. This payment terminal is also integrated with: a device for working with plastic bank cards, a barcode scanner, a fiscal register, a computer, a cash register, a receipt printer. The disadvantages of such a payment terminal are: the need for stationary placement and fastening; power supply only from a network of 220 V; relatively large dimensions and weight; the ability to receive a small number of types of payments.

As a prototype of the selected well-known mobile terminal payment system [utility model RU85012, publ. July 20, 2009], which It is a device for commercial accounting of a payment acceptance center, containing information on the current value of a particular service and a payment processing center. The system is designed as a self-service payment terminal, the body of which is rigidly fixed in the passenger compartment of a public vehicle, and includes: a bill acceptor for receiving banknotes; touch monitor; check printer equipped with a power supply; GPRS modem connecting the self-service terminal with the payment processing center; system unit; watchdog timer; an inverter that converts a 24 V DC voltage from the vehicle’s battery to 220 V AC with a power of 800 W for further supply to the system unit for continuous continuous operation of this payment terminal. Here, the system unit is connected to a touchmonitor, a cash acceptor, a GPRS modem, and a receipt printer power supply.

This well-known mobile terminal payment reception system is stationary for a specific transport unit, an inverter is required for its operation, while this system has a relatively large weight and dimensions, and also requires its rigid fastening in the public transport cabin. In addition, this system allows you to accept only a small number of types of payments and accept limited types of funds.

Disclosure of invention

The technical problem for which the present invention is proposed is to provide a payment terminal that is mobile and portable, which does not depend on external power sources, does not require fastening and is lightweight and small in size, and also allows for various types of payments with various types of cash (coins, banknotes, tokens, bank cards) in various conditions (both indoors and outdoors).

To solve the technical problem proposed

Mobile payment terminal, including the case; system unit, monitor with touch panel, receipt printer, bill acceptor, power supply unit for the system unit and GPRS modem for communication with the payment processing center, located in the case; in this case, the system unit is connected to a monitor, a touch panel, a bill acceptor, a GPRS modem, a power supply device and a receipt printer. New is the fact that the power supply device for the system unit is made in the form of an adaptive power unit with the function of an uninterruptible power supply, equipped with a connector for constant voltage current and a socket with an adapter for connecting to AC power; the system unit includes a motherboard with a processor and a hard drive, the motherboard being connected to a power supply and to a hard drive; Moreover, the mobile payment terminal additionally includes a device for working with plastic bank cards, a Wi-Fi modem, an ADSL modem and a network card for connecting to a local network, which are connected to the power supply and to the motherboard, respectively.

The mobile payment terminal may further include a coin acceptor and / or token acceptor, which are connected to the power supply unit and to the motherboard.

The mobile payment terminal may further include a fiscal registrar connected to a receipt printer and a power supply.

A connector for connecting to a DC network can be made with the possibility of connecting to a DC network with a voltage of 12-36 V, for example, to DC networks of cars and / or ships.

The connector with the adapter can be made with the ability to connect to an AC network with a voltage of 1 10-220 V.

The housing can be equipped with a carrying handle.

The adaptive power supply can be equipped with a rechargeable battery.

The power supply is best done transformerless.

The hard drive may contain pre-installed software for processing payments, as well as the operating system and drivers.

A mobile payment terminal can be configured to transfer payment data to a payment processing server using a GPRS modem or a Wi-Fi modem or an ADSL modem or through a local area network using a network card, for example, to a payment processing server of such payment systems as OSMP , CYBERPLAT, DeltaPay, PinPay and / or bank payment system.

The presence of an adaptive uninterruptible power supply makes it possible to ensure the operation of a mobile payment terminal in the absence of external power sources, and also makes it possible to connect to various power sources, thereby ensuring operation in any placement conditions: indoors, outdoors and in transport. In the event of a power failure from external sources, the power supply automatically turns on, which does not interfere with the full operation of the device. The presence of a coin acceptor, a coin acceptor and a device for working with plastic cards allows you to make payments with various types of cash. The fiscal registrar allows the user to receive a fiscal receipt. The introduction of Wi-Fi and ADSL modems into the payment terminal, in addition to the 5 GPRS modem, allows providing the device with data transmission channels depending on operating conditions. The presence of a network card allows you to include a payment terminal in the local network.

Brief Description of the Drawings

Further, the present invention is illustrated by way of example, which is illustrative in nature and is accompanied by drawings, in which:

figure 1 is a side view of an embodiment of a mobile payment terminal with a side wall removed;

2 is a block diagram of a mobile payment terminal according to an embodiment of the present invention.

5 Embodiment

As shown in FIG. 1, the mobile payment terminal comprises a housing 1 with a handle 2 for carrying it. Housing 1 contains: a touch panel 3 (12 ^m surface-capacitive, 3 mm), monitor 4 (SharpYToshiba 12 "1000x768), a system unit that includes a motherboard 5 (3G-D256: Intel® N410 1.8Ghz processor, 0 memory: 1024Mb DDRII, DIMM, 6xUSB, VGA, LAN, 6xRSS232 / RS422 / RS485 I xIDE, 2xSATA, l xCF), adaptive power supply 6 (Input 12-36V, Output 12V, 5V, 60W + UPS function, equipped with rechargeable batteries ), a GPRS 7 (Simens) modem, a check printer 8 (Epson М-Т51 \ 53), a bill acceptor 9 (Cash Code SM-2607, 600 kup., horizontal) and a hard disk 10 (160 Gb SATA 2.5 " )

5 As shown in figure 2, the first output of the adaptive power supply 6 is connected to the input of the monitor 4, the second output of the adaptive power supply 6 is connected to the touch panel 3, the third output of the adaptive power supply 6 is connected to the motherboard 5 of the system unit, the output of which connected to the input of the hard drive 10, the fourth output of the adaptive power supply 6 is connected to a bill acceptor 9, the 30 output of which is connected to the motherboard 5, the second input of the hard drive 10 is connected to the motherboard 5.

Adaptive power supply 6 contains a connector 1 1 for connecting power from a 12-36 V network and a socket 12 with an adapter for connecting power from a 1 10-220 V.

In addition, the housing 1 further comprises a Wi-Fi 13 modem and an ADSL 35 14 modem for creating data transmission channels, a network card 15 for connecting to a LAN network, fiscal registrar 16 (SPARK - 1 15), a device for working with plastic bank cards 17, a coin acceptor 18 and a coin acceptor 19.

The inputs of the Wi-Fi 13 modem, ADSL 14 modem, network card 15, bank card reader 17, coin acceptor 18 and coin acceptor 19 are connected to the adaptive power supply unit 6, and their outputs are connected to the motherboard 5 of the system unit. The input of the fiscal registrar 16 is connected to the adaptive power supply unit 6, and the output to the check printer 8.

The above components can be replaced with similar ones. Using a modern element base and its compact placement in a portable case allows you to perform this device with small dimensions and light weight, as well as convenient for carrying. In addition, the use of the built-in transformerless power supply unit reduces the heating of the device, reduces the requirements for the cooling and ventilation system, and allows the use of the device case with maximum filling and close proximity of components, which in general also gives an overall reduction in the weight and size of the terminal.

Mobile payment terminal operates as follows.

Power is supplied to the adaptive power supply 6. Depending on the operating conditions of the mobile payment terminal, adaptive power supply 6 works as an uninterrupted power supply, either from an alternating current network (for example, 220 V) or from a direct current network (for example , 12 V).

In the case when the power is supplied from the AC mains (1 10-220 V), the voltage is supplied to the adaptive power supply unit 6 through connector 12 with the adapter. In the case when the power is supplied from the DC network (12-36 V), the voltage is supplied to the adaptive power supply 6 through connector 1 1.

The power supply unit 6 gives a command to the motherboard 5 of the system unit and the mobile payment terminal is turned on with the launch of pre-installed software (operating system, drivers, payment processing program).

The software installed on the hard disk 10 of the system unit displays on the monitor 4 a list of providers and services (when used to make various payments) in the form of graphic icons or a single icon when used to make one type of payment.

The payer clicks on the touch panel 3 the provider or service icon he needs (the icon displayed on the monitor under the touch panel). The software translates the click signal on the selected area into the command choosing a service provider. Further, the software proceeds to the next “page” of user interaction and displays 4 fields on the monitor for a set of payment details. The user, by pressing the touch panel 3, collects details identifying his payment. For example: telephone number, personal account number, resolution (protocol) number, sub-account number, address of residence or registration, etc.

Then, the software of the mobile payment terminal starts recording the entered details in the payment package stored on the hard disk 10. Through one of the devices that are installed on the mobile payment terminal, selected by the payer to deposit the means of payment, such as bill acceptor 9 for cash , coin acceptor 18 for coins or coin acceptor 19 for tokens, the payer pays the necessary amount, including the commission for making a payment (the size of the commission is displayed on monitor 4).

When you select a plastic bank card as the means of payment, the payer inserts it into the device for working with plastic bank cards 17 and dials on the touch panel 3 the necessary amount to make the payment (which will be debited from the payer's account).

One of the money receiving devices selected by the user (9, 17, 18, or 19) verifies the deposited funds for authenticity, denomination, and amount by built-in technical means, transfers the information using software, and then displays this information on the monitor 4. After after that, the “PAY” icon or identical in meaning to it is displayed on the monitor 4. The user clicks on this icon on the touch panel 3, and at this stage the user completes the payment process.

Check printer 8 receives a command from the software and issues a check to the user (fiscal or non-fiscal), in confirmation of the payment made by the user, which displays all the details entered during the payment, identifier of the payment details, amount, commission, amount to be credited a also other details required for checks in accordance with the current legislation of the Russian Federation.

Further, the software installed on the mobile payment terminal generates a so-called “payment package” when completing the payment procedure — which is a set of all data (payee details, payer details, amounts, dates, etc.) that characterize the individuality of the payment made. This packet is written to a special buffer programmatically. security software stored on the hard drive. The “payment package” generated by the software is transmitted to the payment processing server using the GPRS 7 modem or the Wi-Fi 13 modem or the ADSL 14 modem or to the local network via the network card 15, as a result of which the funds are physically transferred non-cash to the recipient’s account according to the details of the payer.

The proposed mobile payment terminal can work with such payment systems as OSMP, CYBERPLAT, DeltaPay, PinPay, banks and other systems. It is also possible to equip the mobile payment terminal with narrowly specialized software (banking software, software from state institutions, private companies, custom-made). This allows you to significantly expand the range of suppliers of services and goods (both private and public), in whose favor it will be possible to make payments, to a very significant range.

Due to the developed block diagram of a mobile payment terminal with an accessible elemental base, this technical solution has more potential applications, while the device itself can have significantly less weight and size. Due to its small size and low weight, such a mobile payment terminal can be used in a wide area of economic relations. Examples of the use of the device in “field conditions” are as follows: equipping patrol cars of traffic police officers, collecting receivables by communal services employees when going to debtors, paying cable television and Internet services at home, etc. The adaptive power supply system of the mobile payment terminal allows it to operate both independently and from stationary AC networks with voltage from software up to 220 V, and with the ability to connect to DC power networks with voltage of 12-36 V (cars, small ships, passenger buses of intercity and long-distance transportation, etc.).

The above example was used only to illustrate the feasibility of the present invention. This example is not intended to limit the scope of legal protection presented in the claims, while a person skilled in the art is relatively simple to implement other embodiments of the present invention either according to any of the embodiments disclosed in the description or any combination of these options , within the stated scope of legal protection.

Claims

Claim

1. Mobile payment terminal, including:

housing;

a system unit, a monitor with a touch panel, a receipt printer, a bill acceptor, a power supply device for the system unit and a GPRS modem for communication with a payment processing center located in the case;

wherein the system unit is connected to a monitor, a touch panel, a bill acceptor, a GPRS modem, a power supply device and a receipt printer, characterized in that:

the power supply device to the system unit is designed as an adaptive power supply with the function of an uninterruptible power supply, equipped with a connector for connecting to a direct current network and a connector with an adapter for connecting to an alternating current network;

the system unit includes a motherboard with a processor and a hard drive, and the motherboard is connected to a power supply and a hard drive;

Moreover, the mobile payment terminal additionally includes a device for working with plastic bank cards, a Wi-Fi modem, an ADSL modem, and a network card for connecting to a local network, which are connected to the power supply unit and to the motherboard, respectively.

2. The terminal according to claim 1, characterized in that it further includes a coin-receiver and / or token-receiver, which are connected to the power supply unit and to the motherboard.

3. The terminal according to claim 1, characterized in that it further includes a fiscal registrar connected to a receipt printer and a power supply.

4. The terminal according to claim 1, characterized in that the connector for connecting to a DC network is configured to connect to a DC network with a voltage of 12-36 V.

5. The terminal according to claim 4, characterized in that the connector for connecting to a DC network is made with the possibility of connecting to DC networks of cars and / or ships.

6. The terminal according to claim 1, characterized in that the connector with the adapter is configured to connect to an AC network voltage of 110-220 V.

7. The terminal according to claim 1, characterized in that the housing is equipped with a carrying handle.

8. The terminal according to n.l, characterized in that the adaptive power supply is equipped with a rechargeable battery.

9. The terminal according to claim 1, characterized in that the power supply is made transformerless.

10. The terminal according to claim 1, characterized in that the hard disk contains pre-installed software for processing payments.

And. The terminal according to claim 1, characterized in that it is capable of transmitting payment data to a payment processing server using a GPRS modem or a Wi-Fi modem or an ADSL modem or via a local network using a network card.

12. The terminal according to claim 1, characterized in that it is capable of transmitting payment data to a payment processing server of a payment system selected from the group: OSMP, CYBERPLAT, DeltaPay, PinPay, bank payment system.