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Smart card, outlets device, system and using method

A point of sale, smart card technology, applied in the complete banking system, complete banking system, instruments, etc.

Active Publication Date: 2013-01-16
BEIJING WATCH DATA SYST
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, current point-of-sale devices are purchased, initialized and installed by individual banks

Method used

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  • Smart card, outlets device, system and using method
  • Smart card, outlets device, system and using method
  • Smart card, outlets device, system and using method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0045] Such as figure 1 As shown, the point-of-sale device 100 of the embodiment of the present invention includes:

[0046] The first interface unit 103 is configured to send data to the smart card and receive data from the smart card.

[0047] A first certificate storage unit 101, configured to store a first digital certificate;

[0048] Wherein, the first digital certificate includes: a root certificate issued by a third party (for example, UnionPay), and the third party is a testing agency (which may be a bank management agency or a cross-bank organization such as UnionPay, an original equipment manufacturer, etc.) The digital certificate issued by the testing agency for the point-of-sale device to prove the identity of the point-of-sale device.

[0049] The first data processing unit 102 is configured to read the first digital certificate, exchange the digital certificate with the smart card and perform mutual authentication, receive activation information from the operat...

Embodiment 2

[0063] Such as Figure 5 As shown, the smart card 300 in the embodiment of the present invention includes:

[0064] The second interface unit 303 is configured to send data to the point-of-sale device and receive data from the point-of-sale device.

[0065] The second certificate storage unit 301 is configured to store the second digital certificate.

[0066] Wherein, the second digital certificate includes: a root certificate of a third party (for example, UnionPay), a digital certificate issued by the issuing bank of the smart card to prove the identity of the smart card, and a digital certificate issued by the third party for the bank.

[0067] The second data processing unit 302 is configured to read the second digital certificate, exchange the digital certificate with the point-of-sale device and authenticate each other, store credit card transaction records, activation information, merchants (including operator codes) and bank information, etc. receiving activation inf...

Embodiment 3

[0081] Such as Figure 8 As shown, the embodiment of the present invention provides a point-of-sale system 800, including: a point-of-sale device 801 and a smart card 802 inserted into the point-of-sale device 801, wherein:

[0082] The point-of-sale device 801 is used to store the first digital certificate, exchange digital certificates with the smart card and perform mutual authentication, receive activation information from the operator and send the activation information to the smart card 802, by means of the smart card The smart card signs in to the point-of-sale center of the bank, sends data (such as: card swiping transaction records implemented by the operator, activation information, etc.) to the smart card 802, and reads data from the smart card 802 (such as: merchants and Bank information, said card swiping transaction records, etc.).

[0083] Wherein, the first digital certificate includes: a root certificate issued by a third party (for example, UnionPay), and th...

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Abstract

The invention discloses a smart card, an outlets device, a system and a using method, thereby being capable of leading the same outlets device to serve any merchant which opens an account in any bank.The outlets device comprises a first interface unit for sending data to the smart card and receiving the data from the smart card; a first certificate storage unit for storing a first digital certificate; a first data processing unit for reading the first digital certificate, interacting the digital certificate with the smart card, carrying out the mutual authentication, receiving activating information from an operator and sending to the first interface unit, the sign-in to a center of the outlets of the bank is completed by virtue of the smart card, the data stored in the smart card is readthrough the first interface unit, and the data is sent to the smart card through the first interface unit. The invention can be used for leading the same outlets device to serve any merchant which opens accounts in any bank.

Description

technical field [0001] The invention relates to an electronic payment device and system, in particular to a smart card for realizing electronic payment, a point-of-sale device, a system and a use method. Background technique [0002] The point-of-sale equipment can realize credit card consumption and has a communication function. It can receive the information of the magnetic stripe card and the instruction of the operator to complete the exchange of financial transactions and related information. At present, after the point-of-sale equipment is purchased by the bank, the bank manages the point-of-sale equipment as a system administrator according to the application of the merchant, such as downloading software, setting the information of the merchant and the bank, setting the operator who uses the point-of-sale equipment, Add or delete operators. Once the point-of-sale device is set up, the point-of-sale device is rolled out to the business to support card-based transactio...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G07F19/00
Inventor 钟武
Owner BEIJING WATCH DATA SYST
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