POS Terminal Card Type Identification and Program Selection
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Solution Overview
Problem
The existing POS terminal systems require multiple devices to handle different types of cards, leading to inconvenience and increased transaction costs for merchants, as they need to manage various card types with distinct functions, such as bank cards, transportation cards, and membership cards.
Innovation Solution
A data processing method and device for POS terminals that read card information stored in chip cards, acquire and run matching transaction programs to process transactions, and transmit data to a target transaction background server for authorization, allowing the same POS terminal to handle various card types by determining the appropriate transaction background server based on the card information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiple POS terminals are installed to process different card types, then the transaction function coverage is improved, but the device complexity and transaction cost increase
Solution Approach 1:
The POS terminal is designed with multi-functionality to process multiple card types (bank cards, transportation cards, shopping cards, membership cards) through a single device. The terminal reads card information from different card types and automatically identifies the card type to select appropriate transaction programs, eliminating the need for multiple specialized terminals while maintaining comprehensive transaction coverage
2Adaptability or versatility
If multiple POS terminals are installed to process different card types, then the transaction function coverage is improved, but the transaction cost increases
Solution Approach 1:
By implementing a universal POS terminal that can handle multiple card types through card type identification and program selection, the system reduces the quantity of terminals needed from multiple specialized devices to a single multi-functional device, thereby reducing transaction costs while maintaining comprehensive card type support
3Ease of operation
If card type identification and program selection are implemented, then the ease of operation is improved, but the data processing complexity increases
Solution Approach 1:
The POS terminal automatically performs card type identification and program selection without requiring user intervention. The system reads card information, automatically identifies the card type, selects the corresponding transaction program, and executes the transaction, making the operation simple for users while the system handles the processing complexity internally
Data Source
AI summary
A data processing method and device, and a POS transaction system are provided. The method includes the following. Card information pre-stored in a chip card transacting with the POS terminal is read. The card information includes information of a program set for processing transaction data of the chip card. One or more transaction programs matching with a current transaction are acquired in the program set according to the card information. The one or more transaction programs run to calculate and transmit transaction data of the current transaction.