Split type double-screen cashier terminal fusing payment acceptance

Abstract

The utility model discloses a split type fusion payment acceptance double-screen cashier terminal, which comprises a host and an independent display, the independent display is connected with the host, the host comprises a host display screen, an application processor and a card acceptance device, the host display screen is used for displaying information and / or interacting with consumers, and the card acceptance device is used for accepting the consumers. The application processor is used for operating a commercial cashier system and / or a payment acceptance system, the card acceptance device is used for accepting a bank card of a consumer and / or interacting with mobile payment equipment of the consumer, and the independent display is used for displaying a software interface of the commercial cashier system and / or the payment acceptance system to a cashier and / or interacting. According to the utility model, functions required by bank card acceptance and functions required by commercial cashier are creatively recombined, so that the total cost of the cashier terminal integrating payment acceptance is greatly reduced, and popularization of the cashier terminal integrating payment acceptance in a larger range is facilitated.

Description

A split-type dual-screen POS terminal for integrated payment acceptance Technical Field

[0001] This utility model relates to the field of financial settlement terminal technology, and in particular to a split-type dual-screen cashier terminal that integrates payment acceptance. Background Technology

[0002] A bank card payment acceptance terminal is an electronic device equipped with a bank card reader / writer, screen, numeric / PIN keypad, printing device, and other functions, and has the communication capability to connect to a network. The bank card acceptance terminal connects to the settlement system of the bank card transaction platform through its network communication capabilities, and its main function is to provide non-cash settlement services for commodity transactions.

[0003] Commercial POS terminals are core hardware devices for commercial transactions, commonly known as cash registers. Commercial POS terminals generally require specific business management software and / or a POS system and are equipped with a printing function for receipts. The evolution of commercial POS terminals can be divided into two main stages. The first stage is the PC architecture stage. Commercial POS terminals in this stage generally use the Windows operating system and typically consist of a separate host, monitor, printing device, and cash drawer. Relying on the PC architecture and Windows' standard management of peripherals, the host can be adapted to independent monitors and printing devices by installing Windows drivers. The second stage is the intelligent architecture stage. Commercial POS terminals in this stage generally use the Android operating system. Because the Android operating system lacks peripheral and driver management standards similar to the PC architecture, commercial POS terminals have gradually developed towards integration. The integration methods of commercial POS terminals in this stage mainly include two types: one is a dual-function POS terminal that integrates a display screen and host functions, such as the intelligent cash register disclosed in the patent application (application number CN202330055071.1) of Shanghai Sunmi Technology Group Co., Ltd. Another type is a three-function POS terminal that integrates a display screen, host function, and printing function, such as the smart POS machine disclosed in the patent application (application number CN202230711917.8) of Shanghai Sunmi Technology Group Co., Ltd.

[0004] In addition, for specific business environments, commercial POS terminals are equipped with consumer displays that show payment information to consumers. In the first stage of PC architecture, this is generally achieved by adding a separate consumer display to the host computer; while in the second stage of intelligent architecture, a display screen is generally integrated on the back of the main display, such as the intelligent universal POS terminal disclosed in the patent application (application number CN201930494650.X) of Fujian Newland Payment Technology Co., Ltd.

[0005] Bank card payment acceptance terminals and commercial POS terminals are gradually evolving and merging, and there are currently two relatively common and conventional technology integration solutions. The first integration solution is that the commercial POS terminal connects to a bank card acceptance terminal without printing function via an external interface such as USB. For example, the payment POS machine disclosed in the patent application (application number CN202430170430.2) of PAX Computer Technology (Shenzhen) Co., Ltd., or the smart payment terminal disclosed in the patent application (application number CN201930455440.X) of PAX Computer Technology (Shenzhen) Co., Ltd. The commercial POS terminal and its commercial POS system and / or payment acceptance system communicate and interact with the bank card acceptance terminal through data protocols, driving the bank card acceptance terminal to jointly complete the bank card payment acceptance. The second integration solution is to fully integrate the bank card acceptance device into the merchant's POS terminal. To facilitate bank card acceptance, the bank card reader is generally integrated on the right side or top of the display screen. For example, the POS machine disclosed in the patent application (application number CN201830060049.5) of Fujian Landi Commercial Equipment Co., Ltd. has the bank card reader located on the right side of the display screen. Similarly, the smart POS machine disclosed in the patent application (application number CN202230226078.0) of Fujian Newland Payment Technology Co., Ltd. has the bank card reader located at the top.

[0006] Currently, the high overall cost of these two convergence solutions significantly hinders the promotion and widespread adoption of converged payment payment terminals. For the first convergence solution, since the commercial POS terminal and the bank card acceptance terminal operate as independent systems, two sets of application processors and system software and / or applications are required. Complex communication and data interaction via data protocols further exacerbate this, resulting in high overall hardware costs and significant development investment for integrating the two software programs. For the second solution, although it utilizes a single application processor and system software and / or applications, saving on hardware investment, different types of business users have varying requirements for display size. Furthermore, according to the international PCI organization's regulations for bank card acceptance terminals, modifying the hardware design requires PCI security assessment and certification of the entire machine including the bank card acceptance module. This security assessment and certification process is lengthy and expensive, leading to persistently high R&D and certification costs. This increased cost is amortized into the product's unit price, significantly raising the overall cost. Moreover, the long certification cycle prevents timely responses to market demands.

[0007] In addition, the long-standing technological bias in the industry has led to a stagnation in the creative evolution of merchant POS terminals that accept integrated payments, and they are unable to better respond to market demands while reducing overall costs.

[0008] This bias stems from the assumption that commercial POS terminals generally require larger displays, such as 14 inches, and need to run commercial POS systems and / or payment processing systems with higher hardware performance requirements. Compared to bank card acceptance terminals, commercial POS terminals require more powerful application processors. This has led to the convergence of commercial POS terminals and bank card acceptance terminals invariably focusing on integrating bank card payment functionality into commercial POS terminals, such as the POS machine disclosed in the patent application (application number CN201830060049.5) of Fujian Landi Commercial Equipment Co., Ltd.

[0009] Therefore, the existence of the aforementioned technological biases has led to stagnation in the evolution of commercial POS terminals that accept integrated payment, resulting in high costs and hindering further technological advancements and widespread adoption, especially in the price-sensitive market of small and micro-merchants. Overcoming these technological biases and better responding to market demands while reducing overall costs is a pressing technical challenge.

[0010] To address this, a dual-screen POS terminal with separate integrated payment acceptance is proposed. Summary of the Invention

[0011] The purpose of this invention is to provide a split-type dual-screen POS terminal for integrated payment acceptance, thereby solving or at least alleviating one or more of the aforementioned problems and other issues existing in the prior art.

[0012] To achieve the above objectives, the main technical solutions adopted by this utility model include:

[0013] A split-type dual-screen payment terminal includes:

[0014] The main body of the dual-screen POS terminal includes:

[0015] The host is used to run a commercial point-of-sale system and / or a payment processing system;

[0016] A separate display is connected to the host computer, wherein,

[0017] The host includes a host display screen, an application processor, and a card acceptance device. The host display screen is used to display information to consumers and / or interact with them. The application processor is used to run a commercial POS system and / or a payment acceptance system. The card acceptance device is used to accept the consumer's bank card and / or interact with the consumer's mobile payment device.

[0018] The independent display is used to show the cashier the software interface of the commercial POS system and / or payment processing system running on the host computer, and / or to enable interaction.

[0019] In a dual-screen POS terminal for split-type integrated payment acceptance according to this utility model, the diagonal size of the host display screen is less than or equal to the diagonal size of the independent display screen.

[0020] In a dual-screen POS terminal for split-type integrated payment acceptance according to the present invention, the host display screen is used to display a virtual keypad. The host display screen is a touch screen for consumers to input transaction passwords. The virtual keypad includes at least ten numeric keys from 0 to 9.

[0021] According to the present invention, a split-type integrated payment acceptance dual-screen POS terminal is provided, wherein the main body of the dual-screen POS terminal is used for self-service payment by consumers, and the independent display is used to display the software interface of the commercial POS system and / or payment acceptance system to consumers, and / or for interaction.

[0022] According to the present invention, a split-type integrated payment acceptance dual-screen POS terminal is provided, wherein the main body of the dual-screen POS terminal is used for independent POS transactions by merchants when no consumers are present, and the main display screen is used to display information to the cashier and / or interact with the cashier.

[0023] In a split-type integrated payment acceptance dual-screen cashier terminal according to the present invention, the host also includes a physical keypad for inputting bank card passwords, and the physical keypad includes at least ten numeric keys from 0 to 9.

[0024] In a dual-screen POS terminal for split-type integrated payment acceptance according to the present invention, the card acceptance device includes any one or more of the following: a magnetic stripe card reader for accepting magnetic stripe cards, a contact IC card interoperator for accepting contact IC cards, and a contactless IC card interoperator for accepting contactless IC cards.

[0025] In a dual-screen POS terminal for split-type integrated payment acceptance according to the present invention, the host is equipped with a printing device for printing merchant receipts and / or consumer receipts and / or merchant bank card acceptance slips and / or consumer bank card acceptance slips.

[0026] In a dual-screen POS terminal for split-type integrated payment acceptance according to the present invention, the host is further provided with a front camera, a rear camera, a buzzer and a speaker, all connected to the application processor. The rear camera and the front camera are used to collect image information during the transaction, and the buzzer and the speaker are used to indicate the transaction progress and status.

[0027] In a split-type integrated payment acceptance dual-screen POS terminal according to the present invention, the host and the independent display are connected by cable and / or wirelessly, and the signals transmitted between the host and the independent display include at least display signals and / or touch signals, and the display screen of the independent display is a touch screen.

[0028] In a split-type integrated payment acceptance dual-screen cashier terminal according to the present invention, the main unit is equipped with a battery for power supply, and the main unit is also equipped with a power button and a charging port.

[0029] In a dual-screen POS terminal for split-type integrated payment acceptance according to the present invention, the main unit is also provided with a battery cover.

[0030] This utility model has at least the following beneficial effects:

[0031] This invention overcomes common technical biases in the industry by creatively recombining the functions required for bank card acceptance and commercial POS systems. It utilizes a single application processor, saving on hardware investment, and innovatively employs a split structure to separate the display function while integrating the PCI authentication-related card acceptance device into the host. This maintains the overall stability of the host; regardless of changes in the external monitor's screen size, only one PCI authentication is required for the host. Compared to existing integrated payment POS terminals that require PCI authentication due to screen changes, this significantly reduces high PCI authentication costs and time, and enables rapid response to different merchants' needs for monitors of varying sizes. As mentioned above, this invention greatly reduces the overall cost of integrated payment POS terminals, significantly improves market responsiveness, and facilitates the wider adoption of integrated payment POS terminals. Attached Figure Description

[0032] The accompanying drawings, which are included to provide a further understanding of this application and form part of this application, illustrate exemplary embodiments and are used to explain this application, but do not constitute an undue limitation of this application. In the drawings:

[0033] Figure 1 is a structural schematic diagram of the dual-screen cashier terminal for split-type integrated payment acceptance of this utility model;

[0034] Figure 2 is a schematic diagram of the main unit of this utility model;

[0035] Figure 3 is a rear view of the host structure of this utility model;

[0036] Figure 4 is a structural schematic diagram of the host of this utility model from another perspective;

[0037] Figure 5 is an exploded structural diagram of the host of this utility model;

[0038] Figure 6 is a partial exploded structural diagram of the host of this utility model.

[0039] Explanation of icon numbers:

[0040] 1. Main unit; 101. Front casing; 1011. Charging port; 1012. Power button; 102. Main unit display screen; 103. Rear casing; 104. Battery; 1041. Battery cover; 105. Application processor; 106. Printing device; 1061. Printing outlet; 107. Rear camera; 108. Front camera; 109. Physical keypad; 110. Buzzer; 111. Speaker; 112. Card acceptor; 2. Independent display. Detailed Implementation

[0041] The following will describe in detail the implementation of this application with reference to the accompanying drawings and embodiments, so that the implementation process of how this application uses technical means to solve technical problems and achieve technical effects can be fully understood and implemented accordingly.

[0042] Referring to Figures 1 to 6, an embodiment of this utility model provides a split-type integrated payment acceptance dual-screen POS terminal, including a dual-screen POS terminal main body. The dual-screen POS terminal main body includes: a host 1, used to run a commercial POS system and / or a payment acceptance system; and an independent display 2, connected to the host 1. The host 1 includes a host display screen 102, an application processor 105, and a card acceptance device 112. The host display screen 102 is used to display information to consumers and / or interact with them. The application processor 105 is used to run the commercial POS system and / or the payment acceptance system. The card acceptance device 112 is used to accept consumers' bank cards and / or interact with consumers' mobile payment devices. Both the host display screen 102 and the card acceptance device 112 are connected to the application processor 105. The independent display 2 is used to display the software interface of the commercial POS system and / or the payment acceptance system to the cashier and / or interact with them.

[0043] Application processor 105 serves as the core, coordinating the operation of the commercial POS system and payment processing system. The main unit display screen 102 faces the consumer, displaying product information, transaction amounts, and other content; consumers can interact with it via touch. Card acceptance device 112 is responsible for data interaction with the consumer's payment device, transmitting payment information to application processor 105 for processing. Independent display 2 faces the cashier, displaying the system's software interface for convenient operation, such as product entry and order management. The main unit 1 and independent display 2 are communicatively connected, enabling data synchronization and sharing.

[0044] In this embodiment, the diagonal size of the host display screen 102 is less than or equal to the diagonal size of the display screen of the independent display 2.

[0045] The main display screen 102 primarily shows basic information to consumers; its smaller size suffices to meet their needs while reducing costs. The independent monitor 2, operated by cashiers, requires displaying more detailed information and more complex interfaces; its larger size improves ease of operation and visibility, thereby increasing work efficiency.

[0046] In this embodiment, the host display screen 102 is used to display a virtual keypad. The host display screen 102 is a touch screen and is used for consumers to input transaction passwords. The virtual keypad includes at least ten numeric keys from 0 to 9.

[0047] When a consumer chooses a payment method requiring a PIN, such as bank card payment, the application processor 105 controls the host display screen 102 to show a virtual PIN pad. The consumer enters their PIN by touching the number keys on the screen. The entered PIN information is encrypted and transmitted to the application processor 105, which then verifies it with the payment system to ensure payment security.

[0048] In this embodiment, the main body of the dual-screen POS terminal is used for self-service checkout by consumers, and the independent display 2 is used to display the software interface of the commercial POS system and / or payment acceptance system to consumers, and / or for interaction.

[0049] In self-checkout mode, the independent display 2 transforms into a consumer-facing interface, showing product information, total price, payment method, and other details. Consumers can select products, confirm orders, and choose payment methods by touching the screen. The application processor 105 processes the consumer's actions accordingly and displays the results on the independent display 2.

[0050] In this embodiment, the main body of the dual-screen POS terminal is used for independent POS transactions by merchants when no consumers are present, and the host display screen 102 is used to display information to the cashier and / or interact with them.

[0051] When no customers are present and the merchant is conducting independent checkout operations, the main display screen 102 becomes the cashier's primary operating interface. The application processor 105 displays relevant system information, such as product inventory and sales statistics, on the main display screen 102. The cashier can operate the screen by touching it to complete tasks such as order entry and inventory management.

[0052] In this embodiment, the host 1 also includes a physical keypad 109 for inputting bank card passwords. The physical keypad 109 includes at least ten numeric keys from 0 to 9.

[0053] The physical keypad 109 serves as a backup password input method. When the virtual keypad malfunctions or the consumer is not comfortable using the touchscreen to input their password, the consumer can use the physical keypad 109 to enter their bank card PIN. The entered password information is also encrypted before being transmitted to the application processor 105 for verification.

[0054] In this embodiment, the card acceptance device 112 includes any one or more of the following: a magnetic stripe card reader for accepting magnetic stripe cards, a contact IC card interoperator for accepting contact IC cards, and a contactless IC card interoperator for accepting contactless IC cards.

[0055] Magnetic stripe card readers obtain bank card data by reading the magnetic stripe information on the card; contact IC card interoperators read data from the card chip by contacting the metal contacts of the contact IC card; contactless IC card interoperators use radio frequency technology to communicate with contactless IC cards and read card information. These devices transmit the read bank card information to the application processor 105 for subsequent payment processing.

[0056] In this embodiment, the host 1 is equipped with a printing device 106 for printing merchant receipts and / or consumer receipts and / or merchant bank card acceptance slips and / or consumer bank card acceptance slips. The printing device 106 is electrically connected to the application processor 105.

[0057] Once the transaction is completed, the application processor 105 generates the corresponding receipt or voucher information based on the transaction result and sends it to the printing device 106. The printing device 106 then prints out the merchant's and consumer's copies of the receipt or bank card acceptance slip based on the received information, facilitating transaction record keeping for both the merchant and the consumer.

[0058] In this embodiment, the host 1 is also equipped with a front camera 108, a rear camera 107, a buzzer 110 and a speaker 111, all of which are connected to the application processor 105. The rear camera 107 and the front camera 108 are used to collect image information during the transaction, and the buzzer 110 and the speaker 111 are used to indicate the transaction progress and status.

[0059] The rear camera 107 can be used to scan product barcodes or QR codes to quickly obtain product information and enter it into the system. The front camera 108 can be used for facial recognition payment or to collect consumer image information for security verification, etc. The buzzer 110 and speaker 111, under the control of the application processor 105, emit different sound signals, such as a transaction success tone and a password error warning tone, to inform the cashier and consumer of the transaction progress and status.

[0060] In this embodiment, the host 1 and the independent display 2 are connected by a cable and / or wirelessly. The signals transmitted between the host 1 and the independent display 2 include display signals, and the display screen of the independent display 2 is a touch screen.

[0061] Cable connections such as HDMI and USB provide stable, high-speed signal transmission, ensuring that the independent display 2 can accurately display the image information transmitted by the host 1. Wireless connections such as Wi-Fi and Bluetooth offer greater flexibility, facilitating device layout and relocation. The touchscreen of the independent display 2 allows cashiers to operate the system directly through touch, improving ease of use.

[0062] In this embodiment, to enable the device to be used in areas with poor power supply, such as Africa, the main unit 1 is equipped with a battery 104 for power supply, and the main unit 1 is also equipped with a power button and a charging port 1011. The main unit 1 is also equipped with a battery cover 1041.

[0063] Battery 104 provides power to the main unit 1, enabling it to function normally without an external power source, thus increasing the device's portability and flexibility in usage scenarios. A power button is used to turn the main unit 1 on and off. Charging port 1011 is used to connect an external power source to charge battery 104. Battery cover 1041 facilitates the replacement and maintenance of battery 104.

[0064] Working principle:

[0065] Press the power button 1012 on host 1, and host 1 will start up. Application processor 105 performs a self-test and loads the commercial POS system and payment processing system.

[0066] If the cashier is operating the system, the cashier uses the rear camera 107 of the main unit 1 to scan the barcode or QR code of the product, enters the product information into the system, and displays the information on the independent monitor 2 and the main unit display screen 102.

[0067] If it is a self-checkout for consumers, consumers operate the touch screen of the independent display 2 and use the rear camera 107 of the host 1 to scan the goods.

[0068] Amount Calculation and Confirmation:

[0069] The system calculates the total price based on the entered product information and displays it on the independent monitor 2 and the host display screen 102. The cashier or customer confirms the order amount.

[0070] Payment Operation

[0071] Bank card payment:

[0072] Consumers can swipe their bank cards through the magnetic stripe card reader of the card acceptance device 112, insert them into the contact IC card interoperator, or place them close to the contactless IC card interoperator.

[0073] The host display screen 102 shows a virtual keypad, and consumers can enter their passwords via the touchscreen; if needed, they can also enter their passwords using the physical keypad 109.

[0074] The application processor 105 encrypts the bank card information and password and sends them to the payment system for verification. Once the verification is successful, the payment is completed.

[0075] Mobile payment:

[0076] Consumers open the mobile payment application on their phones and show their payment code.

[0077] The front-facing camera 108 of host 1 scans the payment code, and the application processor 105 sends the payment information to the payment system for processing to complete the payment.

[0078] Transaction result feedback:

[0079] If the payment is successful, the application processor 105 sends signals to the buzzer 110 and the speaker 111. The buzzer sounds a notification tone, and the speaker plays a voice prompt saying "Transaction successful." At the same time, the application processor 105 sends the transaction information to the printing device 106, which prints a transaction receipt.

[0080] If the payment fails, the buzzer 110 and speaker 111 will emit corresponding error sounds and voice messages, such as "Payment failed, please try again." Error messages will also be displayed on the main unit display screen 102 and the independent monitor 2.

[0081] The foregoing description illustrates and describes several preferred embodiments of the present invention. However, as previously stated, it should be understood that the present invention is not limited to the forms disclosed herein and should not be construed as excluding other embodiments. It can be used in various other combinations, modifications, and environments, and can be altered within the scope of the present invention's conception through the foregoing teachings or related technical or knowledge. Any modifications and variations made by those skilled in the art that do not depart from the spirit and scope of the present invention should be within the protection scope of the appended claims.

Claims

1. A split-type dual-screen payment terminal for integrated payment acceptance, characterized in that, The system includes a dual-screen POS terminal main body, comprising: a host computer for running a commercial POS system and / or a payment processing system; and an independent display connected to the host computer. The host computer includes a host display screen, an application processor, and a card acceptance device. The host display screen is used to display information to consumers and / or facilitate interaction. The application processor is used to run the commercial POS system and / or the payment processing system. The card acceptance device is used to accept the consumer's bank card and / or interact with the consumer's mobile payment device. The independent display screen is used to display the software interface of the commercial POS system and / or the payment processing system running on the host computer to the cashier and / or facilitate interaction.

2. The dual-screen POS terminal for split-type integrated payment acceptance according to claim 1, characterized in that: The diagonal size of the host display screen is less than or equal to the diagonal size of the independent display screen.

3. The dual-screen POS terminal for split-type integrated payment acceptance according to claim 1, characterized in that: The host display screen is used to display a virtual keypad. The host display screen is a touch screen and is used for consumers to enter transaction passwords. The virtual keypad includes at least ten number keys from 0 to 9.

4. The dual-screen POS terminal for split-type integrated payment acceptance according to claim 1, characterized in that: The main body of the dual-screen POS terminal is used for self-service checkout by consumers, and the independent display is used to show consumers the software interface of the commercial POS system and / or payment acceptance system, and / or for interaction.

5. The dual-screen POS terminal for split-type integrated payment acceptance according to claim 1, characterized in that: The dual-screen POS terminal is used for independent POS transactions by merchants when no customers are present, and the main display screen is used to display information to the cashier and / or facilitate interaction.

6. The dual-screen POS terminal for split-type integrated payment acceptance according to claim 1, characterized in that: The host also includes a physical keypad for entering bank card passwords, and the physical keypad includes at least ten numeric keys from 0 to 9.

7. The dual-screen POS terminal for split-type integrated payment acceptance according to claim 1, characterized in that: The card acceptance device includes any one or more of the following: a magnetic stripe card reader for accepting magnetic stripe cards, a contact IC card interoperator for accepting contact IC cards, and a contactless IC card interoperator for accepting contactless IC cards.

8. The dual-screen POS terminal for split-type integrated payment acceptance according to claim 1, characterized in that: The host computer is equipped with a printing device for printing merchant receipts and / or consumer receipts and / or merchant bank card acceptance slips and / or consumer bank card acceptance slips.

9. The dual-screen POS terminal for split-type integrated payment acceptance according to claim 1, characterized in that: The host is also equipped with a front-facing camera, a rear-facing camera, a buzzer, and a speaker, all of which are connected to the application processor. The rear-facing camera and the front-facing camera are used to collect image information during the transaction, and the buzzer and the speaker are used to indicate the transaction progress and status.

10. The dual-screen POS terminal for split-type integrated payment acceptance according to claim 1, characterized in that: The host and the independent display are connected by a cable and / or wirelessly. The signals transmitted between the host and the independent display include at least display signals and / or touch signals. The display screen of the independent display is a touch screen.

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