Payment terminal capable of realization of splittable combination of secure payment and mobile payment and payment method thereof

Abstract

The invention discloses a payment terminal capable of realization of splittable combination of secure payment and mobile payment and a payment method thereof. The payment terminal comprises two modules: a secure payment module and a mobile payment module, wherein the two modules are encapsulated respectively and independently and then are connected. More specifically, the secure payment module comprises a keyboard, a display screen, a magnetic card reader, an IC card read-write device, and a printed circuit board; and the mobile payment module consists of a keyboard, a main display screen, a non-contact IC card read-write device, a wireless communication module, a printing module, a telephone module and a printed circuit board. Moreover, the secure payment module and the mobile payment module are provided with identification communication modules; the secure payment module can be connected to an existing mobile payment terminal; and the mobile payment module can be connected to a financial POS machine. According to the invention, security certification is only required by the secure payment module; not only can the secure payment module and the mobile payment module be used in combination in an on-line mode, but also the secure payment module can be used separately in combination with an existing mobile payment terminal in an on-line mode and the mobile payment module can be used separately in combination with an existing financial POS machine in an on-line mode.

Description

technical field [0001] The present invention relates to the technical field of financial payment terminals, in particular to a payment terminal and a payment method thereof that can be detachably combined with secure payment and mobile payment. Background technique [0002] Non-cash transaction payment such as payment card payment has become the most convenient and efficient payment transaction method at present, and the basis of payment card payment transaction is to ensure the security of the transaction. In order to ensure the security of the transaction, payment card payment has been established internationally. Industry security standard, Payment Card Industry (PCI: Payment Card Industry) Data Security Standard (DSS: Data Security Standard) is currently the most professional payment card security standard and has been widely recognized and used by the industry. The Payment Card Industry Security Standards Council is the global, open industry standards body providing gov...

AI Technical Summary

Problems solved by technology

[0003] In addition to payment card payment, mobile payment has become more and more popular in recent years. With the continuous development of payment card payment and mobile payment services, there is an increasing demand for financial transaction terminals with both card payment and mobile payment functions in the market. However, there are currently many financial POS machines on the market that only have the function of swiping cards and some mobile payment terminals that only have the function of mobile phone payment. The design and development of the system is difficult, the cycle is long, and the development cost is very high. The existing technology cannot upgrade the user's existing financial POS machine and mobile payment terminal into a financial transaction terminal with both credit card payment and mobile payment functions. Users must re-purchase The new financial transaction terminal with both credit card payment and mobile payment functions can meet the requirements, which will greatly increase the cost

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