Non-inductive payment system and non-inductive payment terminal equipment

Abstract

The invention discloses a non-inductive payment system and non-inductive payment terminal equipment, relates to the technical field of payment systems, and aims to solve the problems that the payment efficiency is low and the payment transaction cannot be completed without network connection.The key point of the technical scheme is that the non-inductive payment system comprises a merchant side, a cashier terminal, a server, a payment medium and a user side, non-inductive payment medium binding is completed through the merchant side, the cashier terminal, the server, the payment medium and the user side, and online non-inductive payment transaction and offline non-inductive payment transaction are completed through the merchant side, the cashier terminal equipment, the server, the non-inductive payment medium, the user side, the terminal processor and the terminal data storage library. According to the invention, the functions of automatically identifying the user identity and quickly completing the payment transaction can be realized, the security of the transaction is ensured while the user experience is improved, the payment efficiency is improved, and the payment transaction can be completed when the network is offline.

Description

Technical Field

[0001] The present invention belongs to the technical field of payment systems, in particular to a contactless payment system, and relates to a contactless payment system and a contactless payment terminal device. Background Art

[0002] A payment system is a technical framework used to process transactions between consumers and merchants. Its main function is to achieve the secure transfer of funds and the efficient management of transactions.

[0003] The patent application with publication number CN103810598A discloses a payment system and payment method based on terminal equipment, wherein the payment system includes: a first terminal, a second terminal, and a bank payment system; the first terminal is provided with a biometric authentication device, and when a first user at the first terminal opens an electronic payment application installed on the first terminal, the first terminal triggers the biometric authentication device to extract the biological information of the first user to authenticate the first user; after the fingerprint authentication is passed, the first terminal sends the payment amount to the second terminal and sends the first bank card account to the bank payment system; the second terminal sends a transfer request message to the bank payment system according to the payment amount; the bank payment system transfers the payment amount from the first bank card account to the second bank card account of the second user according to the first bank card account and the transfer request message. The present invention can prevent the user's money from being maliciously transferred away, and improve the security of the user in the electronic payment process.

[0004] Existing payment methods often require users to enter passwords, scan QR codes, etc., which to some extent affects payment efficiency and user experience, and payment transactions cannot be completed when there is no network connection.

[0005] In summary, the present invention provides a contactless payment system and a contactless payment terminal device to solve the above problems. Summary of the invention

[0006] In view of the shortcomings of the prior art, the purpose of the present invention is to provide a contactless payment system and a contactless payment terminal device, which have the advantages of realizing the functions of automatically identifying user identities and quickly completing payment transactions, improving user experience while ensuring the security of transactions, and being able to complete payment transactions when the network is offline.

[0007] To achieve the above object, the present invention provides the following technical solutions:

[0008] A contactless payment system includes a merchant terminal, a cash register terminal, a server, a payment medium and a user terminal, and specifically includes the following steps:

[0009] Step 1, Merchant side: Process the payment request through a dedicated device that can be connected to the cash register terminal and can receive and verify the payment information in real time;

[0010] Step 2: Cashier terminal: It has the function of generating and managing payment information and can send transaction information to the server for verification and processing;

[0011] Step 3: Server: Process the payment information from the cash register terminal and generate corresponding payment vouchers;

[0012] Step 4: Payment medium: smart cards, mobile applications, etc. are used to store the user's payment information and identity credentials, and can automatically connect to the cash register terminal;

[0013] Step 5, User side: The user completes the transaction by entering relevant identity information and seamlessly connects with the cash register terminal through the payment medium.

[0014] By adopting the above technical solution, it is convenient to complete the binding of contactless payment media and improve payment efficiency and security.

[0015] The present invention is further configured as follows: the contactless payment system is used for contactless payment medium binding, specifically comprising the following steps:

[0016] Step S1, user login: the user logs in to his account through the mobile application;

[0017] Step S2, fingerprint collection and upload: the user collects fingerprint information in the application and uploads it to the server for storage;

[0018] Step S3: Input the contactless payment medium code: The user inputs the contactless payment medium code in the application and binds it with the user account and fingerprint information;

[0019] Step S4, token generation: the server randomly generates an identity authentication token and token key and an offline verification token and offline token key for the contactless payment medium, and returns them to the user terminal;

[0020] Step S5, inserting the payment medium into the terminal device: When the user inserts the payment medium into the cash register terminal for the first time, the server decrypts the payment medium encryption chip through the device and stores the identity verification token and offline verification token;

[0021] Step S6, unbinding and rebinding of payment medium: After the user unbinds the payment medium, the new user needs to reinsert the payment medium, and the server updates the identity authentication token and offline verification token.

[0022] By adopting the above technical solution, the work of contactless payment media binding can be completed, thereby improving the transaction security of users.

[0023] The present invention is further configured as follows: the token key in step S4 can be selected as a dynamic code that is randomly generated, custom set, and updated over a period of time, and the offline verification token is only available when the terminal device is offline.

[0024] By adopting the above technical solution, transaction security is improved and payment transactions can be completed when the network is offline.

[0025] The present invention is further configured to include a merchant terminal, a cash register terminal device, a server, a non-sensitive payment medium, a user terminal, a terminal processor and a terminal data storage library, and specifically includes the following steps:

[0026] Step C1, merchant side: the merchant sets up and manages the cash register terminal and processes the customer's payment request;

[0027] Step C2, cash register terminal device: responsible for reading the user's non-contact payment medium and executing the payment request, interacting with the payment medium through NFC or other communication methods;

[0028] Step C3, server: processes all payment requests, performs identity authentication and transaction management, and maintains the binding relationship between user accounts and payment media and users;

[0029] Step C4: Non-contact payment medium: may include smart cards, mobile phone applications, smart wearable devices, etc., to store user payment information;

[0030] Step C5, user end: the user logs in and sets account information, manages payment media and binds fingerprint information through the application;

[0031] Step C6: Terminal processor: used to process the payment information received from the terminal device and the server in real time to ensure smooth transaction;

[0032] Step C7, terminal data repository: records the user's payment information and transaction history, and makes it available for the terminal processor to call when necessary.

[0033] By adopting the above technical solution, it is convenient to complete contactless payment medium transactions and improve payment efficiency.

[0034] The present invention is further configured as follows: the contactless payment system is used for contactless payment medium transactions, and when the network is online, specifically comprises the following steps:

[0035] Step F1, medium insertion: the user inserts the contactless payment medium into the terminal device, the terminal responds, and the identification and verification system is started;

[0036] Step F2, information reading: the terminal processor reads the payment medium code to obtain the user account information;

[0037] Step F3, select verification method: the user selects fingerprint recognition or token key to authenticate the identity;

[0038] Step F4, NFC induction: obtaining user account information by reading the medium code through NFC induction;

[0039] Step F5, payment password verification: the user can enter the payment password set by the application for additional verification;

[0040] Step F6: Transaction completed: If all verifications pass, the payment transaction is completed.

[0041] By adopting the above technical solution, it is possible to complete contactless payment transactions when the network is online.

[0042] The present invention is further configured as follows: the contactless payment system is used for contactless payment medium transactions, and when the network is offline, specifically comprises the following steps:

[0043] Step M1, inserting the medium: the user inserts the contactless payment medium into the terminal device, and the system obtains the medium code / NFC identification code;

[0044] Step M2, network connection judgment: judge the quality of the network connection with the server. If the network connection fails, enter the offline payment process;

[0045] Step M3, offline token verification: the user enters the offline token key in the terminal device, and the processor verifies the offline verification token;

[0046] Step M4, payment information storage: when the verification is passed, the payment information, including the payment medium code, identification code, order information, offline token key and verification information, is saved in the terminal data storage library;

[0047] Step M5, network recovery: When it is detected that the network connection is restored, the saved payment information is immediately uploaded to the server to ensure the integrity of the transaction record.

[0048] By adopting the above technical solution, it is possible to complete contactless payment transactions when the network is offline.

[0049] A non-contact payment terminal device, comprising a device body and a non-contact payment medium, wherein the non-contact payment medium is mounted on the device body, and the non-contact payment medium comprises a fingerprint recognition area and a trigger component

[0050] By adopting the above technical solution, it is convenient to complete contactless payment transactions through the device body and the contactless payment medium.

[0051] The present invention is further configured as follows: a fingerprint recognition module, a medium encoding chip, a storage encryption chip and an NDC label chip are installed inside the contactless payment medium.

[0052] By adopting the above technical solution, the security of contactless payment transactions is improved.

[0053] In summary, the beneficial technical effects of the present invention are:

[0054] The present invention completes the binding of the contactless payment medium through the merchant end, the cashier terminal, the server, the payment medium and the user end, and completes the online contactless payment transaction and the offline contactless payment transaction through the merchant end, the cashier terminal device, the server, the contactless payment medium, the user end, the terminal processor and the terminal data storage library, and can realize the functions of automatically identifying the user identity and quickly completing the payment transaction, while improving the user experience, ensuring the security of the transaction, improving the payment efficiency, and being able to complete the payment transaction when the network is offline.

[0055] The specific implementation modes of the present invention are further described in detail below in conjunction with the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0056] The drawings described below are only some embodiments. For those skilled in the art, other drawings can be obtained based on these drawings without creative work.

[0057] In the figure:

[0058] Figure 1 This is a schematic diagram of the system structure of the contactless payment medium binding in the present invention;

[0059] Figure 2 A schematic diagram of the system structure of the contactless payment transaction in the present invention;

[0060] Figure 3 It is a schematic diagram of the process of binding the contactless payment medium in the present invention;

[0061] Figure 4 It is a schematic diagram of the process of the contactless payment transaction in the present invention;

[0062] Figure 5 It is a schematic diagram of the structure of the contactless payment medium in the present invention;

[0063] Figure 6 It is a schematic diagram of the internal structure of the contactless payment medium in the present invention. DETAILED DESCRIPTION

[0064] The present invention is further described in detail below in conjunction with the accompanying drawings.

[0065] Reference Figure 1-6 , a non-contact payment system disclosed in the present invention, including a merchant terminal, a cash register terminal, a server, a payment medium and a user terminal, specifically including the following steps:

[0066] Step 1, Merchant side: Process the payment request through a dedicated device that can be connected to the cash register terminal and can receive and verify the payment information in real time;

[0067] Step 2: Cashier terminal: It has the function of generating and managing payment information and can send transaction information to the server for verification and processing;

[0068] Step 3: Server: Process the payment information from the cash register terminal and generate corresponding payment vouchers;

[0069] Step 4: Payment medium: smart cards, mobile applications, etc. are used to store the user's payment information and identity credentials, and can automatically connect to the cash register terminal;

[0070] Step 5, User side: The user completes the transaction by entering relevant identity information and seamlessly connects with the cash register terminal through the payment medium.

[0071] Reference Figure 1 , Figure 3 In this embodiment, the contactless payment system is used for contactless payment medium binding, and specifically includes the following steps:

[0072] Step S1, user login: the user logs in to his account through the mobile application;

[0073] Step S2, fingerprint collection and upload: the user collects fingerprint information in the application and uploads it to the server for storage;

[0074] Step S3: Enter the contactless payment medium code: The user enters the contactless payment medium code in the application and binds it with the user account and fingerprint information.

[0075] The token key can be randomly generated, custom set, or a dynamic code updated during a period of time. The offline verification token is only available when the terminal device is offline.

[0076] Step S4, token generation: the server randomly generates an identity authentication token and token key and an offline verification token and offline token key for the contactless payment medium, and returns them to the user terminal;

[0077] Step S5, inserting the payment medium into the terminal device: When the user inserts the payment medium into the cash register terminal for the first time, the server decrypts the payment medium encryption chip through the device and stores the identity verification token and offline verification token;

[0078] Step S6, unbinding and rebinding of payment medium: After the user unbinds the payment medium, the new user needs to reinsert the payment medium, and the server updates the identity authentication token and offline verification token.

[0079] Reference Figure 2 , Figure 4The embodiment of the present invention includes a merchant terminal, a cash register terminal device, a server, a non-contact payment medium, a user terminal, a terminal processor and a terminal data storage library, and specifically includes the following steps:

[0080] Step C1, merchant side: the merchant sets up and manages the cash register terminal and processes the customer's payment request;

[0081] Step C2, cash register terminal device: responsible for reading the user's non-contact payment medium and executing the payment request, interacting with the payment medium through NFC or other communication methods;

[0082] Step C3, server: processes all payment requests, performs identity authentication and transaction management, and maintains the binding relationship between user accounts and payment media and users;

[0083] Step C4: Non-contact payment medium: may include smart cards, mobile phone applications, smart wearable devices, etc., to store user payment information;

[0084] Step C5, user end: the user logs in and sets account information, manages payment media and binds fingerprint information through the application;

[0085] Step C6: Terminal processor: used to process the payment information received from the terminal device and the server in real time to ensure smooth transaction;

[0086] Step C7, terminal data repository: records the user's payment information and transaction history, and makes it available for the terminal processor to call when necessary;

[0087] When the network is online, the contactless payment medium transaction specifically includes the following steps:

[0088] Step F1, medium insertion: the user inserts the contactless payment medium into the terminal device, the terminal responds, and the identification and verification system is started;

[0089] Step F2, information reading: the terminal processor reads the payment medium code to obtain the user account information;

[0090] Step F3, select verification method: the user selects fingerprint recognition or token key to authenticate the identity;

[0091] Step F4, NFC induction: obtaining user account information through NFC induction identification medium code;

[0092] Step F5, payment password verification: the user can enter the payment password set by the application for additional verification;

[0093] Step F6, transaction completed: if all verifications pass, the payment transaction is completed;

[0094] When the network is offline, the contactless payment medium transaction specifically includes the following steps:

[0095] Step M1, inserting the medium: the user inserts the contactless payment medium into the terminal device, and the system obtains the medium code / NFC identification code;

[0096] Step M2, network connection judgment: judge the quality of the network connection with the server. If the network connection fails, enter the offline payment process;

[0097] Step M3, offline token verification: the user enters the offline token key in the terminal device, and the processor verifies the offline verification token;

[0098] Step M4, payment information storage: when the verification is passed, the payment information, including the payment medium code, identification code, order information, offline token key and verification information, is saved in the terminal data storage library;

[0099] Step M5, network recovery: When the network connection is detected to be restored, the saved payment information is immediately uploaded to the server to ensure the integrity of the transaction record.

[0100] The present invention can realize the functions of automatically identifying user identities and quickly completing payment transactions, thereby improving user experience while ensuring transaction security, improving payment efficiency, and being able to complete payment transactions when the network is offline.

[0101] Reference Figure 5 , Figure 6 , which is a contactless payment terminal device disclosed in the present invention, including a device body and a contactless payment medium, the contactless payment medium is installed on the device body, and the contactless payment medium includes a fingerprint recognition area and a trigger component.

[0102] Furthermore, the contactless payment medium is internally equipped with a fingerprint recognition module, a medium encoding chip, a storage encryption chip and an NDC tag chip.

[0103] In order for those skilled in the art to fully understand the technical solution, this application makes the following overall summary:

[0104] When in use, the user logs in to the account in the application and collects fingerprint information, uploads and saves the fingerprint information to the account cloud, adds and inputs the contactless payment medium code through the application, and binds the medium information with the user account information and the preset fingerprint information. The server randomly generates the identity authentication token and token key, offline verification token and offline token key of the contactless payment medium. When the payment medium is first inserted into the terminal device, the server will decrypt the payment medium encryption chip through the device and store the identity authentication token and offline verification token. When the user unbinds the payment medium and a new user binds the payment medium, the payment medium is inserted into the terminal device again, and the server will delete the original identity authentication token and offline verification token, and issue a new identity authentication token and offline verification token stored in the encryption chip.

[0105] When the network is online, the user inserts the contactless payment medium into the terminal device, responds to start the device / cloud server identification and verification system, reads the payment medium code through the device processor, and selects at least one of the fingerprint recognition, token key and other methods for verification according to the needs. If fingerprint recognition is selected, the processor obtains fingerprint information through the handheld part of the payment medium, and matches the fingerprint information with the fingerprint information preset by the user for verification. If the token key is selected, the device processor decrypts the payment medium encryption chip to obtain the identity authentication token, and enters the token key for verification. At the same time, the NFC contact induction of the medium can be used to read the identification code through the device, obtain the payment medium code and user account information, and enter the payment password set by the application (such as: the last digits of the mobile phone number or the payment password) through the device for verification. If the match verification is successful, the payment transaction is completed;

[0106] When the network is offline, the contactless payment medium is inserted into the terminal device to obtain the medium code / NFC identification code and determine the quality of the network connection with the server. If the network connection is faulty, the user enters the offline token key processor in the terminal device to verify the offline verification token. When the verification is successful, the payment medium information is saved in the database of the terminal device. When a network connection is detected, the payment medium payment information saved in the terminal is uploaded to the server.

[0107] Example

[0108] In this embodiment, a non-contact payment system and a non-contact payment terminal are set up in a supermarket. When shopping in the supermarket, users use the non-contact payment system to complete transactions. The specific interactive operations are as follows:

[0109] The user arrives at the cashier counter, and the merchant's cashier terminal is ready to receive payment. The user inserts the contactless payment medium (such as a smart card or mobile payment device) into the cashier terminal. The terminal establishes a network connection with the server. When the terminal and the server are successfully connected through the network, the terminal recognizes the coding or identification code of the payment medium, and obtains the payment account information based on the coding or identification code. The cashier terminal recognizes the payment medium and triggers the startup program. The processor of the cashier terminal reads the payment medium coding, and the system prompts the user to select a verification method (such as fingerprint recognition, token key or payment password). If fingerprint recognition is selected, the terminal processor obtains the user's fingerprint information through the fingerprint recognition area of ​​the payment medium, and compares the obtained fingerprint information with the fingerprint information preset by the user on the server. If the fingerprint matches successfully , the cash register terminal confirms the user's identity. If the token key is selected, the user needs to enter the preset token key on the device, which is also regarded as identity confirmation after verification. When the payment medium successfully verifies based on the identity verification request information, the payment medium sends a verification success message to the server. The cash register terminal reads the user account information through NFC and sends the total amount of the goods and the user information to the server. The server verifies the validity of the payment medium and the user. The server returns the payment confirmation information, deducts the amount corresponding to the payment information from the payment account information, and transfers the amount to the account associated with the terminal, indicating that the transaction is successful. The cash register terminal displays a prompt that the transaction is successful and prints a receipt. When the payment medium fails to verify based on the identity verification request information, the payment medium sends a verification failure message to the server;

[0110] Assuming that the network is interrupted during the payment process, the user inserts the payment medium, the cashier terminal reads the medium code, the cashier terminal detects a network connection failure, and prompts the user to make an offline payment. The user enters the offline token key terminal processor for verification. If the verification is successful, the system records the payment information (including product code, amount, order information, etc.), deducts the amount corresponding to the payment information from the payment account information, and transfers the amount to the account associated with the terminal. The payment information is stored in the terminal's data repository and waits for the network to recover. When the network recovers, the system automatically uploads the previously saved transaction information to the server to ensure that the transaction record is complete.

[0111] The embodiments of this specific implementation method are all preferred embodiments of the present invention, and are not intended to limit the protection scope of the present invention. Therefore, any equivalent changes made based on the structure, shape, and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A contactless payment system, characterized in that: It includes the merchant side, cash register terminal, server, payment medium and user side, and specifically includes the following steps: Step 1, Merchant side: Process the payment request through a dedicated device that can be connected to the cash register terminal and can receive and verify the payment information in real time; Step 2: Cashier terminal: It has the function of generating and managing payment information and can send transaction information to the server for verification and processing; Step 3: Server: Process the payment information from the cash register terminal and generate corresponding payment vouchers; Step 4: Payment medium: smart cards, mobile applications, etc. are used to store the user's payment information and identity credentials, and can automatically connect to the cash register terminal; Step 5, User side: The user completes the transaction by entering relevant identity information and seamlessly connects with the cash register terminal through the payment medium.

2. A contactless payment system according to claim 1, characterized in that: The contactless payment system is used for contactless payment medium binding, and specifically includes the following steps: Step S1, user login: the user logs in to his account through the mobile application; Step S2, fingerprint collection and upload: the user collects fingerprint information in the application and uploads it to the server for storage; Step S3: Input the contactless payment medium code: The user inputs the contactless payment medium code in the application and binds it with the user account and fingerprint information; Step S4, token generation: the server randomly generates an identity authentication token and token key and an offline verification token and offline token key for the contactless payment medium, and returns them to the user terminal; Step S5, inserting the payment medium into the terminal device: When the user inserts the payment medium into the cash register terminal for the first time, the server decrypts the payment medium encryption chip through the device and stores the identity verification token and offline verification token; Step S6, unbinding and rebinding of payment medium: After the user unbinds the payment medium, the new user needs to reinsert the payment medium, and the server updates the identity authentication token and offline verification token.

3. A contactless payment system according to claim 2, characterized in that: The token key in step S4 may be a dynamic code that is randomly generated, custom-set, and updated over a period of time. The offline verification token is only available when the terminal device is offline.

4. A contactless payment system according to claim 1, characterized in that: It includes a merchant terminal, a cash register terminal device, a server, a non-contact payment medium, a user terminal, a terminal processor and a terminal data storage library, and specifically includes the following steps: Step C1, merchant side: the merchant sets up and manages the cash register terminal and processes the customer's payment request; Step C2, cash register terminal device: responsible for reading the user's non-contact payment medium and executing the payment request, interacting with the payment medium through NFC or other communication methods; Step C3, server: processes all payment requests, performs identity authentication and transaction management, and maintains the binding relationship between user accounts and payment media and users; Step C4: Non-contact payment medium: may include smart cards, mobile phone applications, smart wearable devices, etc., to store user payment information; Step C5, user end: the user logs in and sets account information, manages payment media and binds fingerprint information through the application; Step C6: Terminal processor: used to process the payment information received from the terminal device and the server in real time to ensure smooth transaction; Step C7, terminal data repository: records the user's payment information and transaction history, and makes it available for the terminal processor to call when necessary.

5. A contactless payment system according to claim 4, characterized in that: The contactless payment system is used for contactless payment medium transactions, and when the network is online, specifically includes the following steps: Step F1, medium insertion: the user inserts the contactless payment medium into the terminal device, the terminal responds, and the identification and verification system is started; Step F2, information reading: the terminal processor reads the payment medium code to obtain the user account information; Step F3, select verification method: the user selects fingerprint recognition or token key to authenticate the identity; Step F4, NFC induction: obtaining user account information by reading the medium code through NFC induction; Step F5, payment password verification: the user can enter the payment password set by the application for additional verification; Step F6: Transaction completed: If all verifications pass, the payment transaction is completed.

6. A contactless payment system according to claim 4, characterized in that: The contactless payment system is used for contactless payment medium transactions, and when the network is offline, specifically includes the following steps: Step M1, inserting the medium: the user inserts the contactless payment medium into the terminal device, and the system obtains the medium code / NFC identification code; Step M2, network connection judgment: judge the quality of the network connection with the server. If the network connection fails, enter the offline payment process; Step M3, offline token verification: the user enters the offline token key in the terminal device, and the processor verifies the offline verification token; Step M4, payment information storage: when the verification is passed, the payment information, including the payment medium code, identification code, order information, offline token key and verification information, is saved in the terminal data storage library; Step M5, network recovery: When it is detected that the network connection is restored, the saved payment information is immediately uploaded to the server to ensure the integrity of the transaction record.

7. A non-contact payment terminal device, characterized in that: The contactless payment terminal device is applied to the contactless payment system as described in any one of claims 1-6, including a device body and a contactless payment medium, the contactless payment medium is installed on the device body, and the contactless payment medium includes a fingerprint recognition area and a trigger component.

8. A contactless payment terminal device according to claim 7, characterized in that: The contactless payment medium is internally equipped with a fingerprint recognition module, a medium encoding chip, a storage encryption chip and an NDC tag chip.

Images