Intelligent public telephone system based method capable of realizing IC card electronic payment

Abstract

The invention provides an intelligent public telephone system based method capable of realizing IC card electronic payment. The method organically integrates the intelligent public telephone technique and the non-contact type IC card electronic payment technique, adds an electronic payment management system onto an intelligent public telephone platform, and integrates and completes the originally terminal-born sorting management, inquiry and settling of transaction records such as payment, consumption, and the like in the system, thereby reducing the hardware requirement on the terminal devices, and greatly reducing the terminal cost. The method realizes the ciphered transmission of data through the one-time-pad encryption technique of the intelligent public telephone system, thereby meeting the practical requirements on the terminal cost and data security in the construction and generalization of electronic payment such as 'city universal card'.

Description

technical field [0001] The invention relates to an electronic payment method in the financial field, in particular to a device and system for realizing non-contact IC card electronic payment by using an intelligent public telephone platform. Background technique [0002] Smart public phones refer to public phones that use intelligent network systems or intelligent platforms to achieve business continuity. They are approved to be installed in urban streets, public places, residential areas, rural towns, and along roads for users to use. And in accordance with the standards stipulated by the state to charge the telephone communication fee. It has become a mature and stable technology. [0003] "City Card" as a convenient and fast small non-cash payment method has been more and more welcomed by the competent authorities at all levels and the people. Now it is being vigorously promoted in major cities across the country. At present, it is widely used in the field of public tran...

AI Technical Summary

Problems solved by technology

However, in the process of carrying out the "one-card" small-amount consumer payment business in various places, we encountered a contradiction between the number of terminals installed and the number of cards issued.

The traditional UnionPay POS system is expensive to install and has strict requirements on the qualifications of merchants, resulting in fewer outlets. People do not feel the convenience brought by card use, which affects the number of cards issued; the number of cards issued is small, and the total consumption of card swipes cannot be increased, which in turn affects merchants. and operators' enthusiasm for terminal deployment

The two mutually restrict and influence each other, hindering the construction and promotion of "city card"

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