System and method capable of adaptively expanding payment framework on intelligent POS terminal

Abstract

The invention discloses a system and a method for adaptively expanding a payment framework on an intelligent POS terminal, the function of the payment framework is divided into independent components, each component can independently and normally operate, and the components can cooperatively work when the components are combined together to form a payment framework with high flexibility and strong expansibility. Meanwhile, it is ensured that the system can be flexibly adjusted according to different product requirements and application scenes through configuration management and a dynamic loading mechanism, an optimal payment solution is provided, the development and maintenance cost can be reduced, the system stability is improved, the intelligent POS terminal can quickly respond to the market, and the market competitiveness is improved. And better payment experience is provided for merchants and users.

Description

Technical Field

[0001] The present invention relates to the technical field of Android platform intelligent POS terminals, and in particular to a system and method for adaptively extending a payment framework on an intelligent POS terminal. Background Art

[0002] Smart POS terminals based on the Android platform usually have multiple functions, including magnetic card payment, IC card payment, contactless payment, key management, security detection, printing, etc. As an important part of smart POS terminals, the payment framework is responsible for managing and executing these transaction-related functions to ensure the security, stability and efficiency of the payment process.

[0003] In order to adapt to the specific needs of different products and application scenarios, the existing payment framework is often highly customized in design and implementation. This highly customized payment framework brings many difficulties and pain points, which are mainly reflected in the following aspects:

[0004] 1) High development and maintenance costs

[0005] Smart POS terminals have a wide range of application scenarios, and there are significant differences in hardware configuration and functional requirements between different products. For example, handheld smart POS terminals usually need to consider portability and volume limitations, and may not support printing functions; while desktop cash register POS terminals may need to integrate more peripherals, such as printers, barcode scanners, etc. In addition, different terminals have different requirements for security functions. Some terminals with high security requirements require more complex key management and encryption and decryption functions, while some low-end devices may not need these functions. Due to the large differences in hardware and functional requirements of different smart POS terminals, manufacturers usually need to develop a dedicated payment framework for each product. This approach not only increases development costs and time, but also requires separate support and updates for each framework during subsequent maintenance. Whenever the hardware configuration or functional requirements change, manufacturers must modify and test the payment framework accordingly, further increasing the workload and complexity.

[0006] 2) Lack of flexibility and scalability

[0007] Since existing payment frameworks are usually designed for specific products and functional requirements, their flexibility and scalability are limited. When merchants want to add new payment functions or adjust existing functions on existing POS terminals, the existing framework may not be able to support them and must be modified on a large scale. This not only increases the difficulty of development, but may also affect the stability and performance of the system. Summary of the invention

[0008] In view of the shortcomings of the prior art, the present invention provides a system and method for adaptively extending the payment framework on a smart POS terminal. Through componentized design, the functions of the payment framework are split into independent components, each of which can operate normally alone, and when combined together, these components can work together to form a highly flexible and scalable payment framework. At the same time, through configuration management and dynamic loading mechanisms, it is ensured that the system can be flexibly adjusted according to different product requirements and application scenarios to provide the best payment solution.

[0009] In order to achieve the above technical objectives, the technical solution adopted by the present invention is:

[0010] A system capable of adaptively extending a payment framework on a smart POS terminal includes a componentized payment framework, wherein the payment framework of the Android platform includes an Android processor and a security processor; the Android processor is used to execute applications and provide device drivers unrelated to payment; the security processor is used to provide functions related to payment security; the Android processor and the security processor communicate with each other through a serial port, the Android processor is a master device, responsible for sending commands to the security processor; the security processor is a slave device, responsible for monitoring, parsing, executing commands on the Android processor side and returning response information;

[0011] The bottom layer of the payment framework on the Android processor side is the serial port driver. Based on the serial port driver, various types of drivers are built according to the payment framework functions. Each function is implemented by an independent driver, and there is no coupling between the drivers.

[0012] Encapsulate the payment service on the driver layer. The payment service is responsible for initializing each driver of the payment framework and ensuring that it is in a ready state so that all functions can be used normally.

[0013] When an application calls payment-related functions, the payment service receives the request and then calls the corresponding driver to complete the function based on the functional division.

[0014] Furthermore, the payment security-related functions include IC cards, magnetic cards, radio frequency cards, key management, etc.

[0015] Furthermore, the multiple types of drivers include magnetic card drivers, IC card drivers, radio frequency card drivers, security drivers, print drivers, and the like.

[0016] The present invention also provides a method for adaptively extending the payment framework on a smart POS terminal, which is used in the system for adaptively extending the payment framework on the smart POS terminal, and comprises the following steps:

[0017] S1: During production, the PC tool selects the payment framework configuration that the current product needs to support, generates a configuration table CONF, and signs the configuration table using the manufacturer's private key PRI to obtain a signature value SIG_CONF;

[0018] S2: The smart POS terminal is connected to the PC via USB. The PC tool sends the configuration table CONF and SIG_CONF to the smart POS terminal, and then restarts the smart POS terminal.

[0019] S3: When the smart POS terminal is started, the payment service detects whether the configuration table CONF exists;

[0020] If the configuration table CONF does not exist, the default configuration is executed; if the configuration table CONF exists, the manufacturer's certificate is used to verify the signature of SIG_CONF;

[0021] If the signature verification fails, it means that the configuration table is illegal, an error message will pop up on the interface, and the payment framework will be built according to the default configuration; if the signature verification succeeds, the configuration file will be read and parsed;

[0022] S4: The payment service dynamically loads the corresponding module according to the specific configuration of the configuration table, and completes the functional support of the corresponding configuration item. At the same time, the payment service sends the configuration table CONF to the security processor through the serial port, and the security processor saves it in the security partition;

[0023] S5: Dynamic update of configuration table and payment framework functions. If you want to add new payment functions to the POS terminal, you only need to change the configuration table to complete the adaptation.

[0024] Furthermore, the configuration table update in S5 and the dynamic update of the payment framework function specifically include the following steps:

[0025] S5.1: The PC tool changes the payment framework configuration that needs to be supported, generates a new configuration table CONF_NEW, and signs the configuration table using the manufacturer's private key PRI to obtain the signature value SIG_CONF_NEW;

[0026] S5.2: Update the new configuration table CONF_NEW;

[0027] S5.3: When the smart POS terminal is started, the payment service first reads the configuration table stored in the secure partition of the security processor, and then reads the configuration table on the Android processor to compare whether the two configurations are consistent;

[0028] If they are consistent, the corresponding module is dynamically loaded according to the configuration table of the Android processor;

[0029] If they are inconsistent, the corresponding modules are dynamically reloaded according to the new configuration table on the Android processor side to complete the functional support of the corresponding configuration items, and then the new configuration table on the Android processor side is synchronized to the security processor and saved in the secure partition.

[0030] Furthermore, the new configuration table CONF_NEW in S5.2 can be updated in the following two ways;

[0031] Method 1: Upgrade the configuration table through the PC tool. The smart POS terminal is connected to the PC via USB. The PC tool sends the new configuration table CONF_NEW and SIG_CONF_NEW to the smart POS terminal to replace the previous CONF and SIG_CONF, and then restarts the smart POS terminal.

[0032] Method 2: Upgrade the Android firmware through the Android OTA upgrade function, replace CONF and SIG_CONF with CONF_NEW and SIG_CONF_NEW, and then restart the smart POS terminal.

[0033] By adopting the above technical solution, the present invention has the following beneficial effects compared with the prior art:

[0034] The present invention provides a system and method for adaptively extending a payment framework on an intelligent POS terminal, which realizes high flexibility, maintainability and scalability of the payment framework through component-based and configurable design.

[0035] Flexibility: Through component-based design, the payment framework can be flexibly combined and expanded according to actual needs to adapt to different products and application scenarios.

[0036] Maintainability: Each functional module is independent, which reduces the complexity of the system and improves maintenance efficiency.

[0037] Extensibility: The functionality of the payment framework can be easily extended by adding new components without requiring large-scale modifications to the existing system.

[0038] The present invention not only helps to reduce development and maintenance costs but also improves system stability, enabling the intelligent POS terminal to quickly respond to the market and provide merchants and users with a better payment experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0040] Figure 1 This is a summary diagram of the payment framework;

[0041] Figure 2 It is a schematic diagram of an adaptively scalable payment framework;

[0042] Figure 3 A schematic diagram of the dynamic loading process for payment framework components;

[0043] Figure 4 A flow chart showing the dynamic update of configuration table updates and payment framework functions. DETAILED DESCRIPTION

[0044] The present invention will be further described in detail below in conjunction with the accompanying drawings and examples. It is particularly noted that the following examples are only used to illustrate the present invention, but are not intended to limit the scope of the present invention. Similarly, the following examples are only partial embodiments of the present invention rather than all embodiments, and all other embodiments obtained by those of ordinary skill in the art without creative work are within the scope of protection of the present invention.

[0045] This embodiment provides a system for adaptively extending a payment framework on a smart POS terminal, including a componentized payment framework;

[0046] See attached Figure 1 As shown in the figure, the payment framework of the Android platform is a dual-core architecture of "Android processor + security processor". The AP (Android processor) is mainly responsible for executing applications and providing some device drivers that are not related to the payment industry; the SP (security processor) mainly provides payment security-related functions, such as IC card, magnetic card, radio frequency card, key management, etc. The AP and SP communicate through the serial port, where the AP is the master device and is responsible for sending commands to the SP; the SP is the slave device and is responsible for listening, parsing, executing commands on the AP side and returning response information.

[0047] See attached Figure 2 As shown, this embodiment provides an adaptively scalable componentized payment framework. The bottom layer of the payment framework on the AP processor side is the serial port driver, which is the basis for the interaction between AP and SP. Based on the serial port driver, various types of drivers are constructed according to the functional splitting of the payment framework, such as: magnetic card driver, IC card driver, radio frequency card driver, security driver, printing driver, etc. Each function is implemented by an independent driver. There is no coupling between the drivers, and they can all be developed, tested and deployed separately. The payment service is encapsulated on the driver layer. The service is responsible for initializing the various drivers of the payment framework, ensuring that they are in a ready state so that all functions can be used normally. When the application calls payment-related functions, the payment service receives the request uniformly, and then calls the corresponding driver to complete the function according to the functional division.

[0048] See attached Figure 3 As shown, this embodiment also provides a method for adaptively extending the payment framework on a smart POS terminal, which is used in the system for adaptively extending the payment framework on the above-mentioned smart POS terminal, and includes the following steps:

[0049] S1: During production, the PC tool selects the payment framework configuration that the current product needs to support, generates a configuration table CONF, and signs the configuration table using the manufacturer's private key PRI to obtain the signature value SIG_CONF.

[0050] S2: The smart POS terminal is connected to the PC via USB. The PC tool sends the configuration table CONF and SIG_CONF to the smart POS terminal, and then restarts the smart POS terminal.

[0051] S3: When the smart POS terminal is started, the payment service detects whether the configuration table CONF exists; if the configuration table CONF does not exist, the default configuration is executed; if the configuration table CONF exists, the manufacturer's certificate is used to verify the signature of SIG_CONF; if the signature verification fails, it means that the configuration table is illegal, an error message is popped up in the interface, and the payment framework is built according to the default configuration; if the signature verification succeeds, the configuration file is read and parsed.

[0052] S4: The payment service dynamically loads the corresponding module according to the specific configuration of the configuration table, and completes the functional support of the corresponding configuration item. At the same time, the payment service sends the configuration table CONF to the security processor through the serial port, and the security processor saves it in the security partition;

[0053] S5: Dynamic update of configuration table and payment framework functions. If merchants want to add new payment functions to POS terminals, they only need to change the configuration table to complete the adaptation.

[0054] See attached Figure 4 As shown, the configuration table in S5 is updated and the payment framework function is dynamically updated. The specific steps are as follows:

[0055] S5.1: The PC tool changes the payment framework configuration that needs to be supported, generates a new configuration table CONF_NEW, and signs the configuration table using the manufacturer's private key PRI to obtain the signature value SIG_CONF_NEW.

[0056] S5.2: The new configuration table CONF_NEW can be updated in two ways;

[0057] Method 1: Upgrade the configuration table through the PC tool. The smart POS terminal is connected to the PC via USB. The PC tool sends the new configuration table CONF_NEW and SIG_CONF_NEW to the smart POS terminal to replace the previous CONF and SIG_CONF, and then restarts the smart POS terminal.

[0058] Method 2: Upgrade the Android firmware through the Android OTA upgrade function, replace CONF and SIG_CONF with CONF_NEW and SIG_CONF_NEW, and then restart the smart POS terminal.

[0059] S5.3: When the smart POS terminal is started, the payment service first reads the configuration table stored in the secure partition of the security processor, and then reads the configuration table on the Android processor to compare whether the two configurations are consistent;

[0060] If they are consistent, the corresponding module is dynamically loaded according to the configuration table of the Android processor;

[0061] If they are inconsistent, the corresponding modules are dynamically reloaded according to the new configuration table on the Android processor side to complete the functional support of the corresponding configuration items, and then the new configuration table on the Android processor side is synchronized to the security processor and saved in the secure partition.

[0062] The above descriptions are only some embodiments of the present invention, and are not intended to limit the protection scope of the present invention. Any equivalent device or equivalent process transformation made using the contents of the present invention specification and drawings, or directly or indirectly applied in other related technical fields, are also included in the patent protection scope of the present invention.

Claims

1. A system capable of adaptively extending a payment framework on a smart POS terminal, characterized in that: The componentized payment framework includes an Android platform payment framework including an Android processor and a security processor; the Android processor is used to execute applications and provide device drivers unrelated to payment; the security processor is used to provide functions related to payment security; the Android processor and the security processor communicate through a serial port, and the Android processor is a master device responsible for sending commands to the security processor; The security processor is a slave device, responsible for monitoring, parsing, executing commands from the Android processor and returning response information; The bottom layer of the payment framework on the Android processor side is the serial port driver. Based on the serial port driver, various types of drivers are built according to the payment framework functions. Each function is implemented by an independent driver, and there is no coupling between the drivers. Encapsulate the payment service on the driver layer. The payment service is responsible for initializing each driver of the payment framework and ensuring that it is in a ready state so that all functions can be used normally. When an application calls payment-related functions, the payment service receives the request and then calls the corresponding driver to complete the function based on the functional division.

2. The system for adaptively extending the payment framework on the intelligent POS terminal according to claim 1, characterized in that: The payment security related functions include IC card, magnetic card, radio frequency card, and key management.

3. The system for adaptively extending the payment framework on the intelligent POS terminal according to claim 1, characterized in that: The multiple types of drivers include magnetic card drivers, IC card drivers, radio frequency card drivers, security drivers, and print drivers.

4. A method for adaptively extending a payment framework on a smart POS terminal, characterized in that: A system for adaptively extending a payment framework on a smart POS terminal as claimed in any one of claims 1 to 3, comprising the following steps: S1: During production, the PC tool selects the payment framework configuration that the current product needs to support, generates a configuration table CONF, and signs the configuration table using the manufacturer's private key PRI to obtain a signature value SIG_CONF; S2: The smart POS terminal is connected to the PC via USB. The PC tool sends the configuration table CONF and SIG_CONF to the smart POS terminal, and then restarts the smart POS terminal. S3: When the smart POS terminal is started, the payment service detects whether the configuration table CONF exists; If the configuration table CONF does not exist, the default configuration is executed; if the configuration table CONF exists, the manufacturer's certificate is used to verify the signature of SIG_CONF; If the signature verification fails, it means that the configuration table is illegal, an error message will pop up on the interface, and the payment framework will be built according to the default configuration; if the signature verification succeeds, the configuration file will be read and parsed; S4: The payment service dynamically loads the corresponding module according to the specific configuration of the configuration table, and completes the functional support of the corresponding configuration item. At the same time, the payment service sends the configuration table CONF to the security processor through the serial port, and the security processor saves it in the security partition; S5: Dynamic update of configuration table and payment framework functions. If you want to add new payment functions to the POS terminal, you only need to change the configuration table to complete the adaptation.

5. The method for adaptively extending the payment framework on the intelligent POS terminal according to claim 4, characterized in that: The configuration table update in S5 and the dynamic update of the payment framework function specifically include the following steps: S5.1: The PC tool changes the payment framework configuration that needs to be supported, generates a new configuration table CONF_NEW, and signs the configuration table using the manufacturer's private key PRI to obtain the signature value SIG_CONF_NEW; S5.2: Update the new configuration table CONF_NEW; S5.3: When the smart POS terminal is started, the payment service first reads the configuration table stored in the secure partition of the security processor, and then reads the configuration table on the Android processor to compare whether the two configurations are consistent; If they are consistent, the corresponding module is dynamically loaded according to the configuration table of the Android processor; If they are inconsistent, the corresponding modules are dynamically reloaded according to the new configuration table on the Android processor side to complete the functional support of the corresponding configuration items, and then the new configuration table on the Android processor side is synchronized to the security processor and saved in the secure partition.

6. The method for adaptively extending the payment framework on the intelligent POS terminal according to claim 4, characterized in that: The new configuration table CONF_NEW in S5.2 can be updated in the following two ways: Method 1: Upgrade the configuration table through the PC tool. The smart POS terminal is connected to the PC via USB. The PC tool sends the new configuration table CONF_NEW and SIG_CONF_NEW to the smart POS terminal to replace the previous CONF and SIG_CONF, and then restarts the smart POS terminal. Method 2: Upgrade the Android firmware through the Android OTA upgrade function, replace CONF and SIG_CONF with CONF_NEW and SIG_CONF_NEW, and then restart the smart POS terminal.

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