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Telephone payment terminal trading method and telephone payment terminal system

A technology of telephone payment and transaction method, applied in the direction of payment system structure, point-of-sale network system, instruments, etc., can solve the problem that the telephone payment terminal cannot easily realize IC transaction, etc., and achieve the effect of legality and convenience.

Active Publication Date: 2012-08-08
FUJIAN LANDI COMML EQUIP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] The technical problem solved by the present invention is to provide a telephone payment terminal transaction method and a telephone payment terminal system to solve the technical problem that the telephone payment terminal in the prior art cannot easily realize IC transactions

Method used

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  • Telephone payment terminal trading method and telephone payment terminal system
  • Telephone payment terminal trading method and telephone payment terminal system
  • Telephone payment terminal trading method and telephone payment terminal system

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Embodiment Construction

[0027] In order to describe the technical content, structural features, achieved goals and effects of the present invention in detail, the following will be described in detail in conjunction with the embodiments and accompanying drawings.

[0028] see figure 2 as well as image 3 , the present invention provides a telephone payment terminal transaction method, the technical solution of the present invention will be described in detail below in conjunction with a specific embodiment.

[0029] First of all, the method of the present invention encapsulates the interaction between the IC card and the terminal into instructions, which are divided into two instructions: "EMV complete flow" (the first instruction) and "EMV online data processing" (the second instruction). "Process" command completes the interaction with the IC card and outputs transaction data. The "EMV online data processing" command completes the processing of online transaction data, judges whether the transac...

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PUM

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Abstract

The invention provides a telephone payment terminal trading method and a telephone payment terminal system. The telephone payment terminal trading method is characterized by: firstly, executing a first instruction, completing interaction between the terminal and an IC card and outputting trading request data; sending the trading request data to a telephone payment gateway, and after analyzing, sending to a POS server, wherein the POS server carries out trading processing and determines whether the trading is successful, if the trading is successful, returning an on-line data result and if the trading is not successful, ending the trading; executing second instruction and processing the on-line data result; according to a trading authentication result and a parameter set in the card, determining whether to reject the trading; if the trading is rejected, displaying error information and ending the trading, if the trading is accepted, sending trading result data to the telephone payment gateway, wherein the telephone payment gateway stores the trading result data sent by the terminal and returns trading slip data. By using the above mode, IC card trading can be realized on the telephone payment terminal.

Description

technical field [0001] The invention relates to the field of telephone payment, in particular to a telephone payment terminal transaction method and a telephone payment terminal system. Background technique [0002] see figure 1 , figure 1 It is the traditional IC card transaction process. It can be seen that on the traditional telephone payment terminal, the transaction is completed by configuring the instruction flow. The instruction flow is pre-saved on the terminal and is fixed and immutable during a transaction. However, in the transaction process of the IC card, the terminal needs to perform multiple interactions, and the result of each interaction may affect the next operation, which conflicts with the implementation mode of the telephone payment terminal. [0003] Chinese Patent No. 200580008058 discloses a method and system for processing electronic payment transactions. When each transaction occurs, the terminal sends an authorization request, and on a transactio...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/30G06Q20/20
Inventor 冯伟陈瑞兵朱辰涛林熙姜学锋
Owner FUJIAN LANDI COMML EQUIP CO LTD
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