Electronic transaction counter service system and realization method

Abstract

The invention provides an electronic transaction counter service system and a realization method. The system comprises transaction equipment, a PC browser, an ActiveX control, a management website, a bank card transaction front system and a transfer expert system, wherein the transfer expert system is connected with a third party transaction channel system through a DDN dedicated wire; the PC browser is connected with the transaction equipment by a serial port or USB port physical wire; the transaction equipment communicates with the bank card transaction front system through a telephone wire, a dedicated wire and the wireless network; the ActiveX control communicates with the bank card transaction front system through the internet; and the bank card transaction front system communicates with a bank card transaction background processing system through the DDN dedicated wire. The invention integrates the traditional financial service functions into a whole such as POS paying by card, transfer at a bank counter, cash collection, payment and the like, solves the problem that the traditional POS is only available to cash collection but not to payment and simultaneously overcomes the difficulty that a using commercial tenant can not inquire about the transaction status in real time.

Description

technical field [0001] The invention relates to an electronic transaction counter service system which integrates terminal card swiping consumption with bank counter transfer, collection, payment and other financial services. Background technique [0002] At present, the traditional bank card swiping POS machines, bank counters / ATMs, and online shopping online payment in mainstream use all have the following defects in varying degrees: [0003] 1. Traditional bank card swiping POS: At present, the bank card swiping terminal system represented by China UnionPay is widely used. This type of system needs to install a card-swiping terminal machine at the user's place as the client, and build a transaction front-end system in the background as a one-point access for all card-swiping terminal machines below. The commonly used communication methods include telephone lines and GPRS / CDMA wireless networks. Wait. The disadvantages of such products are: [0004] 1. Single function. ...

AI Technical Summary

Problems solved by technology

Lack of commonly used financial services such as transfers and bill payments

[0005] 2. Lack of transaction management

Bank counters / ATMs are fixed service outlets, and due to high cost and other reasons, the number of outlets is limited. Users often have to look for bank outlets / ATMs for functions such as transfers, which brings great inconvenience to users.

[0008] 2. The procedures are cumbersome and the efficiency is low

There are so many kinds of online products, which are dazzling, but the means of payment and security are very restricted.

[0010] 1. Low security

Online shopping uses Internet resources. As we all know, the Internet is a convenient place, but it is also an extremely dangerous place, especially for fund transactions such as bank cards, the interaction on the Internet is extremely dangerous, client-side Trojan horses, Internet transmissions have the potential to steal account information

[0011] 2. Single means of payment

The current online payment method is still relatively simple, most of which are based on the bank card number and bank password provided by each bank, and each bank has imposed many restrictions on online payment, you need to open online payment at the counter and download the certificate , and the payment amount is limited, which brings great inconvenience to users

[0012] 3. Low success rate

Due to factors such as bank restrictions and network instability, online transactions often fail. The most troublesome thing is that sometimes the network is unstable, and users do not know the results of transactions at all, which greatly damages the interests of users.

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