Remote payment system and remote payment method

Abstract

The invention provides a remote payment system and a remote payment method, the remote payment system comprises a payment terminal and a USB key storage device, a virtual USB channel is established between the payment terminal and the USB key storage device, and at least one USB key is stored in the USB key storage device; the remote payment system is further provided with a remote payment device, the remote payment device can communicate with the payment terminal, and the remote payment device can communicate with the USB key storage device. And the remote payment device is used for acquiring operation instruction information aiming at the USB key storage device and sending a corresponding operation instruction to the USB key storage device, so that the USB key storage device executes target operation aiming at the target USB key, and the USB key storage device sends a payment operation instruction to the payment terminal, so that the payment terminal executes payment operation. The invention further provides a working method of the remote payment system. According to the invention, payment operation can be conveniently executed by payment operators, and influence on use of the USB key due to top display of a payment system is avoided.

Description

Technical Field

[0001] The present invention relates to the technical field of fund payment security, and in particular to a remote payment system and a remote payment method implemented by applying the remote payment system. Background Art

[0002] As the business of enterprises develops, the amount of funds that enterprises need to pay is also increasing. At present, enterprises generally use U-shield to make fund payments. U-shield is a tool provided by banks to enterprises for security management and control when making fund payments. It uses high-intensity information encryption, digital authentication and digital signature technology, is non-replicable, and can effectively prevent payment risks.

[0003] As enterprises manage more and more funds, the number of U-shiels used by some enterprises is also increasing. In order to realize the centralized management of a large number of U-shiels, especially to solve the many management problems brought about by the centralized management of U-shiels, such as storage, authority control, use, and operation record tracing, enterprises have begun to use U-shield storage devices to uniformly manage multiple U-shiels. U-shield storage devices are devices used to centrally store U-shiels. U-shield storage devices enable payment systems to provide remote calls and control of the U-shiels stored in them.

[0004] When using the U-Shield depository device, it is necessary to connect the U-Shield depository device to the payment terminal that performs payment, such as using a wired network or WIFI, USB interface, etc. When the payment terminal needs to make a payment, it usually runs software such as the U-Shield Security Assistant. The U-Shield Security Assistant is an application running on the payment terminal. Once the user enables the U-Shield for payment, the payment terminal will automatically run the application.

[0005] However, due to the need for payment security, some existing payment operating systems will be displayed on the top of the screen of the payment terminal, and users can only operate the payment operating system, but cannot display the interface of software such as U-Shield Security Assistant. Once this happens, payment operators will be unable to operate U-Shield Security Assistant, and U-Shield Security Assistant will be unable to send operation instructions to the U-Shield depository device, which will directly affect normal payment operations.

[0006] To solve the above problems, some existing solutions are as follows: The first solution is for the payment operator to manually switch the screen, which requires manual operation of the payment terminal, such as switching the currently displayed interface to the U-Shield Security Assistant, and then manually operating the U-Shield Security Assistant interface. However, this solution requires the payment operator to constantly switch screens, affecting work efficiency, and is not applicable when the payment system is forced to stay on top.

[0007] The second solution is to use the U-Shield Security Assistant to automatically seize the screen, that is, to keep the U-Shield Security Assistant displayed above the payment system. However, if the payment system is also automatically forced to be on top, a random event will occur, that is, which interface will be displayed on top after execution. Therefore, this solution will still cause the U-Shield Security Assistant to be unable to be used normally.

[0008] The third solution is that the U-Shield Security Assistant sends remote payment instructions by receiving the specified key commands input from the payment terminal keyboard. However, this solution locks the keyboard when the payment system is forced to display on top, and non-system-level shortcut keys cannot be used normally.

[0009] The existing solutions rely on manual screen switching and shortcut key input. In actual applications, on the one hand, this affects work efficiency and requires payment operators to constantly switch screens back and forth. On the other hand, it is difficult to truly solve the problem of the payment system's deep top display. In addition, there is no security authentication when confirming payment, which brings inconvenience to payment operators. Summary of the invention

[0010] The first object of the present invention is to provide a remote payment system that is easy to operate and avoids being unable to operate due to the forced top display of the payment system.

[0011] A second object of the present invention is to provide a remote payment method implemented by the above remote payment system.

[0012] To achieve the first purpose of the present invention, the remote payment system provided by the present invention includes a payment terminal and a U-shield depository device, a virtual USB channel is established between the payment terminal and the U-shield depository device, and at least one U-shield is stored in the U-shield depository device; the remote payment system is also provided with a remote payment device, the remote payment device can communicate with the payment terminal, and the remote payment device can communicate with the U-shield depository device; the remote payment device is used to obtain operation instruction information for the U-shield depository device, and send corresponding operation instructions to the U-shield depository device, so that the U-shield depository device performs a target operation on the target U-shield, and the U-shield depository device sends a payment operation instruction to the payment terminal, so that the payment terminal performs the payment operation.

[0013] As can be seen from the above scheme, the remote payment system sets up a remote payment device, and sends instructions to the U-shield depository device through the remote payment device. In this way, when the payment terminal needs to perform a payment operation, the payment operator can operate the U-shield depository device, such as selecting a target U-shield and sending an operation to press the target U-shield. In this way, even if the payment system running on the payment terminal is displayed on top, it will not affect the operation of the remote payment device, and can effectively avoid the problem of being unable to operate the U-shield due to the payment system being displayed on top.

[0014] In addition, since the payment operator only needs to operate the remote payment device and does not need to switch the screen of the payment terminal back and forth, and the remote payment device can realize operations such as virtually pressing the target U shield, the entire payment operation is very convenient and the payment efficiency is high.

[0015] A preferred solution is that the operation instruction sent by the remote payment device to the U-Shield depository device includes one of the following: starting the target U-Shield, pressing the target U-Shield, and signing out the target U-Shield.

[0016] It can be seen that the payment operator can start, press, sign out and other operations on the target U shield through the remote payment device, which can improve the payment efficiency and convenience of payment operations.

[0017] A further solution is that the remote payment device is also used to obtain the information to be paid through the RPA robot or the funding system interface, and automatically fill in the information that needs to be filled in into the bank payment system based on the information to be paid.

[0018] It can be seen that the remote payment device can realize operations such as automatic filling in of information to be paid, which can further reduce the amount of operations for payment operators, and automatically fill in information to be paid, which can reduce the problem of inaccurate filling caused by manual filling in of information to be paid.

[0019] A further solution is that the remote payment device is also used to obtain the payment flow information of the current payment through the RPA robot, and download and write back the current payment information.

[0020] It can be seen that the remote payment device can reduce the workload of payment operators by downloading and writing back the current payment information through the RPA robot.

[0021] A further solution is that the remote payment device is provided with an identity authentication module for obtaining the identity authentication information of the user and authenticating the identity of the user based on the identity authentication information.

[0022] It can be seen that authenticating the user's identity through the identity authentication module can improve the security of payment.

[0023] To achieve the above-mentioned second purpose, the remote payment method provided by the present invention includes a payment terminal obtaining information to be paid; a remote payment device obtaining operation instruction information for a U-shield depository device based on the information to be paid, and sending corresponding operation instructions to the U-shield depository device, so that the U-shield depository device performs a target operation on a target U-shield; the U-shield depository device sends a payment operation instruction to the payment terminal, so that the payment terminal performs the payment operation.

[0024] As can be seen from the above scheme, the present invention sends instructions to the U-shield depository device through the remote payment device. When the payment terminal needs to perform a payment operation, the payment operator can operate the U-shield depository device, such as selecting a target U-shield and sending an operation of pressing the target U-shield. In this way, even if the payment system running on the payment terminal is displayed on top, it will not affect the operation of the remote payment device, and can effectively avoid the problem of being unable to operate the U-shield due to the payment system being displayed on top.

[0025] A preferred solution is that the operation instruction sent by the remote payment device to the U-Shield depository device includes one of the following: starting the target U-Shield, pressing the target U-Shield, and signing out the target U-Shield.

[0026] A further solution is that before the remote payment device obtains the operation instruction information for the U-Shield depository device, it also performs a user identity authentication operation: obtaining the user's identity authentication information, and authenticating the user's identity based on the identity authentication information.

[0027] This shows that the remote payment device first authenticates the user's identity, which can ensure the security of the fund payment operation.

[0028] A further solution is that after the remote payment device sends a payment operation instruction to the payment terminal, it sends a prompt message indicating that the payment is completed.

[0029] It can be seen that after the payment is completed, the remote payment device can send a prompt message to facilitate the payment operator to know the status of payment completion.

[0030] A further solution is that the method further comprises: the remote payment device obtains the information to be paid from the payment terminal, and automatically fills in the information to be filled in into the bank payment system according to the information to be paid. BRIEF DESCRIPTION OF THE DRAWINGS

[0031] Figure 1 It is a structural block diagram of an embodiment of a remote payment system of the present invention.

[0032] Figure 2 It is a schematic diagram of the structure of a remote payment device of an embodiment of a remote payment system of the present invention.

[0033] Figure 3 It is a flow chart of a remote payment method embodiment of the present invention.

[0034] The present invention is further described below in conjunction with the accompanying drawings and embodiments. DETAILED DESCRIPTION

[0035] The remote payment system of the present invention operates the U-shield depository device through the remote payment device, thereby realizing remote payment. The payment system can be run on the payment terminal, and even if the payment system is displayed on the top, it does not affect the payment operation. Through the operation of the remote payment device, the operation required by the payment operator is very good, which can improve the convenience of payment and avoid affecting the operation of the U-shield depository device due to the display of the payment system on the top.

[0036] Remote payment system implementation example: See also Figure 1 The remote payment system of this embodiment includes a U shield depository device 10, a remote payment device 20 and a payment terminal 30. The U shield depository device 10 can manage multiple U shields used by the enterprise in a unified and centralized manner. Therefore, multiple U shields can be stored in the U shield depository device 10, such as U shields 11, 12, 13, etc., and the U shield depository device 10 can operate the stored multiple U shields, such as starting a designated target U shield, implementing a pressing operation on the target U shield, signing out the target U shield, etc. In addition, a virtual USB channel is established between the payment terminal 30 and the U shield depository device 10, and data is transmitted through the virtual USB channel.

[0037] The remote payment device 20 is a device that can communicate with the U-Shield depository device 10, for example, by wired or wireless communication, such as by WIFI or Bluetooth. Preferably, in order to ensure the security and stability of communication, the USB serial bus is used for communication. In addition, the remote payment device 20 can also communicate with the payment terminal 30. Preferably, the remote payment device 20 and the payment terminal 30 also communicate with each other by USB serial bus.

[0038] See also Figure 2 The remote payment device 20 has a touch screen 25, on which an operation interface can be displayed, and the payment operator can understand the information of the current operation through the touch screen 25. In addition, the touch screen 25 can also receive the signal of the payment operator's click, thereby obtaining the information input by the payment operator. In addition, the remote payment device 20 is also provided with a camera 26 for capturing the image information of the payment operator. In addition, the remote payment device 20 is also provided with a speaker 27 for broadcasting information. Preferably, the remote payment device 20 can also be provided with input devices such as a keyboard and a mouse, and a fingerprint input device is also provided to obtain the fingerprint information of the payment operator. Furthermore, the remote payment device 20 can also be provided with a microphone to obtain the voice information of the payment operator, thereby realizing the function of voice control.

[0039] The remote payment device 20 is provided with an identity authentication module 21, a U-shield control module 22 and a task control module 23. Among them, the identity authentication module 21 is used to authenticate the identity of the payment operator who controls the remote payment terminal 20, such as obtaining the identity information of the payment operator, including the input password, face information, fingerprint, voiceprint and other information, and authenticating the identity of the payment operator. If the identity authentication of the payment operator fails, the remote payment device 20 cannot be operated, thereby preventing criminals from performing payment operations through the remote payment device 20 and improving the security of the remote payment system. Of course, if the payment operator fails to pass the identity authentication, the identity authentication module 21 can issue a prompt message to inform the payment operator of the failure of the identity authentication.

[0040] The U-Shield control module 22 can send control instructions to the U-Shield depository device 10, such as selecting a specific target U-Shield and pressing the target U-Shield, etc. Preferably, after the U-Shield depository device 10 receives the instruction sent by the remote payment device 20 and executes the corresponding instruction, it will return the information of successful operation to the remote payment device 20, and the U-Shield control module 22 will record the information of whether each instruction sent is correctly executed.

[0041] The task control module 23 is used to execute corresponding tasks according to the received instructions, for example, sending control instructions to the U-Shield storage device 10 through the U-Shield control module 22, or broadcasting information through a speaker.

[0042] The payment terminal 30 may be a terminal device running a payment application, for example, a desktop computer or a handheld electronic device. Preferably, the payment terminal 30 communicates with the U-Shield depository device 10 via a USB serial interface. The U-Shield depository device 10 may send the encrypted data of the target U-Shield to the payment terminal 30, and the payment terminal 30 uses the encrypted data of the target U-Shield to complete the payment operation.

[0043] Remote payment method embodiment: Combine the following Figure 3The working method of the above-mentioned remote payment system is introduced. Before the payment operator uses the remote payment device to make payment, he first needs to perform identity authentication operation. Therefore, firstly, step S11 is executed, and the remote payment device needs to obtain the identity authentication information of the payment operator, such as obtaining the password, fingerprint or facial information, voiceprint information, etc. input by the payment operator. Then, step S12 is executed, and the remote payment device compares the obtained identity authentication information with the identity authentication information of the authorized person recorded in advance to confirm whether the person currently inputting the identity authentication information is a pre-authorized person. If the payment operator passes the identity authentication, the remote payment device can be used to perform subsequent operations, such as executing step S13. If the payment operator fails to pass the identity authentication, step S19 is executed, and the remote payment device will issue a prompt message of identity authentication failure, such as issuing a prompt voice through a speaker, or displaying corresponding warning text on the touch screen. Once the payment operator fails to authenticate, the remote payment device will not respond to the instructions issued by the payment operator, and will not be able to send instructions to the U-Shield depository device to perform target operations on the target U-Shield.

[0044] In step S13, the payment terminal obtains the information to be paid. For example, when a payment operator initiates a payment operation on the payment terminal, the payment terminal will obtain the information output by the payment operator, such as selecting a fee to be paid from a bank application and confirming the payment amount, payer information, payee information, etc. Since the remote payment device communicates with the payment terminal through a USB serial interface or the like, when the payment terminal needs to obtain the encrypted data of a certain U shield, the remote payment device can obtain the information to be paid from the payment terminal.

[0045] Then, step S14 is executed, and the remote payment device displays multiple operable USB shields on the screen according to the acquired information to be paid, and the payment operator can select a target USB shield with information to be paid and permission from the multiple USB shields. Preferably, each USB shield corresponds to a bank account, so the payment operator can determine which USB shield the current operation corresponds to according to the current information to be paid, and select a target USB shield from the multiple USB shields that matches the current information to be paid and has permission to execute payment.

[0046] Next, step S15 is executed. After the remote payment device obtains the target operation information for the target U shield sent by the payment operator, it sends the operation instruction information to the U shield storage device. The operation instruction information includes the target U shield and the corresponding target operation. Since there are multiple U shields stored in the U shield storage device, the operation instruction information sent by the remote payment device needs to clearly point to a certain U shield, that is, the target U shield, and also includes the target operation for the target U shield, such as starting the target U shield or pressing the target U shield.

[0047] In this embodiment, there are two ways for the payment operator to issue instructions to the remote payment device. The first way is to issue instructions through the touch screen, for example, the payment operator selects the target USB shield and sends the instruction to execute the target operation to the USB shield custody device according to the interface prompt. The second way is to issue instructions by voice, that is, the payment operator can send voice instructions to the remote payment device, and the remote payment device will convert it into internal instructions through the built-in voice analysis and recognition algorithm, and send the instructions to the USB shield custody device.

[0048] Then, step S16 is executed. After receiving the operation instruction information, the U shield depository device identifies the target U shield and the target operation for the target U shield, and performs the corresponding operation according to the operation instruction information, such as starting the target U shield, pressing the target U shield, or signing out the target U shield, etc. If the operation of pressing the target U shield is executed, the U shield depository device sends the encrypted data formed after the target U shield is pressed to the payment terminal. In this way, the payment terminal receives the encrypted data sent by the target U shield and completes the payment operation based on the encrypted data, that is, step S17 is executed.

[0049] Finally, after executing the target operation, the U-Shield depository device executes step S18 to send a payment completion prompt to the remote payment device. After receiving the payment completion prompt, the remote payment device can send a payment completion prompt, such as sending a prompt voice through a speaker, or displaying a payment completion prompt text on the touch screen. Of course, the remote payment terminal can also send the payment completion information to the designated business personnel by SMS or email.

[0050] In addition to the above functions, the remote payment device can also use RPA robots to achieve more automated services. For example, the remote payment device can also obtain the information to be paid through the RPA robot or the capital system interface, and automatically fill in the information to be filled in the bank payment system according to the information to be paid. Alternatively, the remote payment device can also obtain the payment flow information of the current payment through the RPA robot, download and write back the current payment information, or install and call other corresponding RPA automation tasks on the remote payment device according to business and management requirements, so as to achieve more automation functions.

[0051] Since the remote payment system of the present invention is provided with a remote payment device, instructions are sent to the U-shield depository device through the remote payment device. In this way, when the payment terminal needs to perform a payment operation, the payment operator can operate the U-shield depository device, such as selecting the target U-shield and sending the operation of pressing the target U-shield. Even if the payment system running on the payment terminal is displayed on top, it does not affect the operation of the remote payment device, and can effectively avoid the problem of being unable to operate the U-shield due to the payment system being displayed on top. In addition, since the payment operator only needs to operate the remote payment device, there is no need to switch the screen of the payment terminal back and forth, and the remote payment device can realize operations such as virtual pressing of the target U-shield, the entire payment operation is very convenient and the payment efficiency is high.

[0052] Finally, it should be emphasized that the above are only preferred embodiments of the present invention and are not intended to limit the present invention. For those skilled in the art, the present invention may have various changes and modifications. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. Remote payment system, including: A payment terminal and a U-shield storage device, wherein a virtual USB channel is established between the payment terminal and the U-shield storage device, and at least one U-shield is stored in the U-shield storage device; Features: The remote payment system is also provided with a remote payment device, which can communicate with the payment terminal and can communicate with the U-shield depository device; The remote payment device is used to obtain operation instruction information for the U-Shield depository device, and send corresponding operation instructions to the U-Shield depository device, so that the U-Shield depository device performs target operations on the target U-Shield, and the U-Shield depository device sends payment operation instructions to the payment terminal, so that the payment terminal performs payment operations.

2. The remote payment system according to claim 1, characterized in that: The operation instruction sent by the remote payment device to the U-Shield depository device includes one of the following: starting the target U-Shield, pressing the target U-Shield, and signing out the target U-Shield.

3. The remote payment system according to claim 1 or 2, characterized in that: The remote payment device is also used to obtain the information to be paid through the RPA robot or the funding system interface, and automatically fill in the information to be filled in into the bank payment system according to the information to be paid.

4. The remote payment system according to claim 1 or 2, characterized in that: The remote payment device is also used to obtain the payment flow information of the current payment through the RPA robot, and download and write back the payment information of the current payment.

5. The remote payment system according to claim 1 or 2, characterized in that: The remote payment device is provided with an identity authentication module for obtaining the identity authentication information of the user and authenticating the identity of the user based on the identity authentication information.

6. Remote payment methods, including: The payment terminal obtains the information to be paid; Features: The remote payment device obtains operation instruction information for the U-Shield depository device according to the information to be paid, and sends corresponding operation instructions to the U-Shield depository device, so that the U-Shield depository device performs the target operation on the target U-Shield; The U-Shield depository device sends a payment operation instruction to the payment terminal so that the payment terminal performs the payment operation.

7. The remote payment method according to claim 6, characterized in that: The operation instruction sent by the remote payment device to the U-Shield depository device includes one of the following: starting the target U-Shield, pressing the target U-Shield, and signing out the target U-Shield.

8. The remote payment method according to claim 6 or 7, characterized in that: Before the remote payment device obtains the operation instruction information for the U-Shield depository device, it also performs a user identity authentication operation: obtaining the user's identity authentication information, and authenticating the user's identity based on the identity authentication information.

9. The remote payment method according to claim 6 or 7, characterized in that: After the remote payment device sends the payment operation instruction to the payment terminal, it issues a prompt message indicating that the payment is completed.

10. The remote payment method according to claim 6 or 7, characterized in that: The method also includes: the remote payment device obtains the information to be paid from the payment terminal, and automatically fills in the information to be filled in into the bank payment system according to the information to be paid.

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