Foreign currency card recharging payment wallet system and method for solving difficulty in entry payment

Abstract

The invention provides a foreign currency card recharging payment wallet system and method for solving the problem of difficulty in entry payment. Comprising an application processor, a safety processor, a power supply module, an anti-disassembly module, a magnetic stripe card reading module, a contact card reading module, a non-contact card reading module, a communication module, an external interface module, a loudspeaker, a camera, a display screen, a touch screen and the like. A user can insert the foreign currency card into the equipment, bind the equipment with the foreign currency card after identifying card information, and generate a domestic universal mobile payment two-dimensional code or bar code through butt joint of the communication module and the background service platform. The system further comprises a background service in butt joint with a mainstream mobile payment platform, and seamless access and fund settlement of foreign currency cards are achieved. The device is portable and light, is suitable for cross-border payment scenes such as entry travelers, foreign employees and the like, and effectively solves the problems that the external card acceptance coverage rate is insufficient, cash payment change is difficult and mobile payment needs real-name authentication in the existing traditional payment mode.

Description

Technical Field

[0001] The invention relates to the field of financial POS (Point Of Sale), and in particular to a foreign currency card recharge payment wallet system and method for solving entry payment difficulties. Background Art

[0002] China generally uses mobile payment, while foreigners in China mostly use bank cards and cash. The difference in payment habits makes it inconvenient for some foreigners in China to pay. There are roughly three payment methods for foreigners in China: credit card, cash and mobile payment, but all three methods have problems:

[0003] Foreign card acceptance coverage is insufficient, cash payment, change is difficult, when purchasing goods, sometimes you want to pay in cash, but the merchant does not have enough change, real-name authentication is complicated, some foreigners are asked to provide detailed personal information such as passports, and many users eventually give up using the foreign card binding service due to personal privacy. Therefore, in response to the payment problem of foreigners coming to China, the existing solution cannot convert foreign currency cards into domestic payment codes, and it is difficult to integrate into the mature domestic mobile payment environment. Summary of the invention

[0004] In view of the shortcomings of the prior art, the purpose of the present invention is to provide a foreign currency card recharge payment wallet system and method for solving the difficulties in entry payment, so as to solve the problems raised in the above background technology. The present invention can safely and effectively solve the problems of insufficient foreign card acceptance coverage of existing traditional payment methods, difficulty in getting change for cash payments, and the need for real-name authentication for mobile payments.

[0005] In order to achieve the above-mentioned purpose, the present invention is implemented through the following technical solutions: a foreign currency card recharge payment wallet system that solves the difficulty of entry payment, the recharge payment wallet system includes an application processor, a security processor, a power module, an anti-disassembly module, a magnetic stripe card reader module, a contact card reader module, a contactless card reader module, a communication module, an external interface module, a speaker, a camera, a display screen, a touch screen and other modules, and a background service platform. The application processor and the security processor are interconnected, and the application processor and the security processor are used for data transmission and information transfer. The background service platform and the communication module complete the binding of foreign currency cards, scan-and-pay, and return of wallets and other services through wireless communication.

[0006] Furthermore, the application processor runs a general real-time operating system, and is responsible for controlling non-security related modules such as communication modules, external interface modules, speakers, cameras, display screens, etc. and leading the business processing flow of transactions.

[0007] Furthermore, the security processor runs a proprietary security system, and is responsible for controlling security-related modules and acquiring and encrypting sensitive information involved in the business, including user passwords, etc. The application processor is responsible for business process control, and the security processor is responsible for security function management.

[0008] Furthermore, it also includes rental machines, each of which is equipped with a recharge payment wallet system. The rental machines send foreign currency card information to the background service platform in an encrypted manner through the communication module, so that the user's foreign currency card is bound to the machine, and then the foreign currency card can be used to recharge the machine.

[0009] A recharge payment method using the recharge payment wallet system, the recharge payment method comprising the following steps:

[0010] Step 1: The rental equipment and the backend service platform need to store the equipment's SN, bind the equipment and SN one by one, and manage the equipment in a unified manner through the backend service platform;

[0011] Step 2: When renting a machine, the user can use a magnetic stripe card, contact card or contactless card to read the foreign currency card information;

[0012] Step 3: After the device is successfully recharged, it can be connected to the backend service platform to complete domestic mobile payment;

[0013] Step 4: Return the machine after use.

[0014] Furthermore, the machine in step 2 sends the foreign currency card information to the backend service platform in an encrypted manner through the communication module, so that the user's foreign currency card is bound to the machine, and then the foreign currency card can be used to recharge the machine.

[0015] Furthermore, after the repayment is completed in step 4, the remaining funds are returned to the foreign currency card and unbound.

[0016] Beneficial effects of the present invention:

[0017] 1. The present invention ensures the secure storage of keys and the secure transmission of transaction information by adopting a security chip and encryption algorithm with physical isolation technology, effectively preventing unauthorized access and attacks, and improving the security of digital assets.

[0018] 2. The present invention has an anti-disassembly module and provides an anti-disassembly function. When the device casing is disassembled, the anti-disassembly module generates a signal to the security processor, and the security processor locks the device and clears the key stored in the device, thereby effectively preventing the device from being illegally tampered with and ensuring the stability and security of the system.

[0019] 3. The present invention can convert foreign currency cards into domestic payment codes through a personal payment device (wallet), so that it can be seamlessly integrated into the mature domestic mobile payment environment and solve the problem of inbound personnel holding foreign currency cards not being able to adapt to the domestic digital payment environment.

[0020] 4. The present invention has the advantages of low implementation difficulty and high promotion efficiency. It is simple and easy to implement and can be implemented without any modification on the acceptance side. There is no obstacle for device holders to make offline payments in the country. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] Figure 1 is a structural block diagram of the system of the present invention;

[0022] Figure 2 The present invention is a flow chart of the foreign currency card recharge payment method for solving entry payment difficulties. DETAILED DESCRIPTION

[0023] In order to make the technical means, creative features, objectives and effects achieved by the present invention easy to understand, the present invention is further explained below in conjunction with specific implementation methods.

[0024] See also Figure 1 to Figure 2 The present invention provides the following technical solutions: a foreign currency card recharge payment wallet system and method for solving the difficulty of entry payment. This embodiment provides a machine device equipped with the recharge payment wallet system, and the recharge payment wallet system includes an application processor, a security processor, a power module, an anti-tampering module, a magnetic stripe card reader module, a contact card reader module, a contactless card reader module, a communication module, an external interface module, a speaker, a camera, a display screen, a touch screen and other modules.

[0025] There is an electrical connection between the above-mentioned application processor and security processor for data transmission and information transfer. The application processor runs a general real-time operating system, is responsible for controlling non-security-related modules such as communication modules, external interface modules, speakers, cameras, display screens, and dominates the business processing flow of transactions. The security processor runs a proprietary security system, is responsible for controlling security-related modules, and obtains and encrypts sensitive information involved in the business, such as user passwords, to ensure the security status of the device. The two processors work together, the application processor is responsible for business process control, and the security processor is responsible for security function management, to jointly ensure the safe and reliable operation of the device.

[0026] The above-mentioned anti-disassembly module, magnetic stripe card reader module, contact card reader module, and contactless card reader module are all electrically connected to the security processor and controlled by the security processor. The anti-disassembly module can detect whether the device casing has been disassembled. Once detected, it will send a signal to the security processor, which will then lock the device and clear the key stored inside to prevent the device from being tampered with. The magnetic stripe card reader module includes a magnetic head and a magnetic stripe card swipe slot set on the casing, which is used to read the track information of the magnetic stripe card. The contact card reader module includes a contact card holder inside the device and a contact card slot set on the casing, which is used to read the information of a contact financial card. The contactless card reader module includes a contactless card reader chip and a coil inside the device, which sends a wireless signal through the coil to read the information of the contactless card. The security of these modules is managed and controlled by the security processor to ensure the overall security of the device.

[0027] The above-mentioned communication module, external interface module, speaker, camera, display screen and other modules are all electrically connected to the application processor and controlled by the application processor. Among them, the communication module usually adopts GPRS (General Packet Radio Service) or WiFi, which is a technology that allows electronic devices to connect to a wireless local area network (WLAN), usually using 2.4G UHF or 5G SHF ISM radio frequency band) and other wireless communication technologies for wireless connection and communication of devices. The external interface module is set on the device housing, usually including USB (Universal Serial Bus) and other wired interfaces for connecting external devices. The speaker is used to play sound, and the camera is used to scan one-dimensional code, two-dimensional code and other information. The display screen is used to display various information to the user. The functions of these modules are uniformly managed by the application processor to ensure the coordinated operation of various functions of the POS device.

[0028] like Figure 2 As shown, the machine provided by the present invention will be initialized when it leaves the factory, and the SN (Serial Number) and the key can be installed in the security chip of the machine, so that the machine and the SN are bound one by one. In addition, the backend service platform of the operator of the machine (such as a bank or a payment company) will also record the SN of the machine in its own system. This helps the operator to manage the machine in a unified manner.

[0029] After leaving the factory, the machine can be rented to users in various commercial places such as customs ports, banks, hotels, etc. When users rent the machine, they can use magnetic stripe cards, contact cards or contactless cards to read the information of foreign currency cards. The machine sends the foreign currency card information to the backend service platform in an encrypted manner through the communication module, so that the user's foreign currency card is bound to the machine, and then the foreign currency card can be used to recharge the machine.

[0030] When users recharge the machine, they can use magnetic stripe cards, contact cards or contactless cards to read the information of the foreign currency card, and enter the password on the screen (the password will be protected by a security chip). The machine sends the foreign currency card information and password to the backend service platform in an encrypted manner through the communication module. The backend service platform settles the funds of the machine and completes the recharge operation of the machine. After recharging the machine, it can seamlessly access the domestic mobile payment scene. The machine sends a request to the backend service platform through the communication module. The backend service platform connects with the mainstream mobile payment platform to realize the generation of the payment code of the foreign currency card, and the user can use the QR code to pay. Users can also directly scan the mainstream payment code. The machine sends the payment code information to the backend service platform through the communication module. The backend service platform connects with the mainstream mobile payment platform to realize the scan and pay.

[0031] After using the wallet machine, the user can return the wallet machine at the customs port, bank, hotel, etc. The user reads the information of the foreign currency card by using a magnetic stripe card, contact card or contactless card, and the machine uses the communication module to send an unbinding request to the backend service platform, which can then return the remaining funds to the foreign currency card and unbind it.

[0032] The basic principles and main features of the present invention and the advantages of the present invention are shown and described above. For those skilled in the art, it is obvious that the present invention is not limited to the details of the above exemplary embodiments, and the present invention can be implemented in other specific forms without departing from the spirit or basic characteristics of the present invention.

[0033] In addition, it should be understood that although the present specification is described according to implementation modes, not every implementation mode contains only one independent technical solution. This description of the specification is only for the sake of clarity. Those skilled in the art should regard the specification as a whole. The technical solutions in each embodiment may also be appropriately combined to form other implementation modes that can be understood by those skilled in the art.

Claims

1. A foreign currency card recharge payment wallet system that solves the difficulty of entry payment, characterized by: The recharge payment wallet system includes an application processor, a security processor, a power module, an anti-disassembly module, a magnetic stripe card reader module, a contact card reader module, a contactless card reader module, a communication module, an external interface module, a speaker, a camera, a display screen, a touch screen and other modules, and a background service platform. The application processor and the security processor are interconnected, and the application processor and the security processor are used for data transmission and information transfer. The background service platform and the communication module complete the binding of foreign currency cards, scan-and-pay, and return of wallets and other services through wireless communication.

2. A foreign currency card recharge payment wallet system for solving entry payment difficulties according to claim 1, characterized in that: The application processor runs a general real-time operating system, and is responsible for controlling non-security related modules such as communication modules, external interface modules, speakers, cameras, display screens, etc. and leading the business processing flow of transactions.

3. A foreign currency card recharge payment wallet system for solving entry payment difficulties according to claim 1, characterized in that: The security processor runs a proprietary security system and is responsible for controlling security-related modules and acquiring and encrypting sensitive information involved in the business, including user passwords, etc. The application processor is responsible for business process control, and the security processor is responsible for security function management.

4. A foreign currency card recharge payment wallet system for solving entry payment difficulties according to claim 1, characterized in that: It also includes rental machines, each of which is equipped with a recharge payment wallet system. The rental machines send foreign currency card information to the background service platform in an encrypted manner through the communication module, so that the user's foreign currency card is bound to the machine, and then the foreign currency card can be used to recharge the machine.

5. A recharge payment method using the recharge payment wallet system as claimed in claim 1, characterized in that: The recharge payment method includes the following steps: Step 1: The rental equipment and the backend service platform need to store the equipment's SN, bind the equipment and SN one by one, and manage the equipment in a unified manner through the backend service platform; Step 2: When renting a machine, the user can use a magnetic stripe card, contact card or contactless card to read the foreign currency card information; Step 3: After the device is successfully recharged, it can be connected to the backend service platform to complete domestic mobile payment; Step 4: Return the machine after use.

6. A recharge payment method according to claim 5, characterized in that: The machine in step 2 sends the foreign currency card information to the backend service platform in an encrypted manner through the communication module, so that the user's foreign currency card is bound to the machine, and then the foreign currency card can be used to recharge the machine.

7. A recharge payment method according to claim 5, characterized in that: After the repayment is completed in step 4, the remaining funds will be returned to the foreign currency card and unbound.

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