WO2017012433A1

WO2017012433A1 - Intelligent mobile pos machine and payment system

Info

Publication number: WO2017012433A1
Application number: PCT/CN2016/085062
Authority: WO
Inventors: 向柄宇; 林志明; 王俊杰; 曾雄; 谢航
Original assignee: 深圳国微技术有限公司
Priority date: 2015-07-20
Filing date: 2016-06-07
Publication date: 2017-01-26
Also published as: CN105005892A

Abstract

An intelligent mobile POS machine and a payment system. The payment system comprises an intelligent mobile POS machine (21) and a mobile terminal (22). The intelligent mobile POS machine (21) comprises a payment unit (12). The payment unit (12) comprises a main control module (121), an intelligent mobile POS machine communication module (122) and a card reading module (123). The mobile terminal (22) comprises a mobile terminal communication module (221), a payment transaction module (222), a display screen (223) and a keyboard (224). The mobile terminal communication module (221) is in a communication connection with the intelligent mobile POS machine communication module (122). By means of the mobile terminal communication module (221) being in a communication connection with the intelligent mobile POS machine communication module (122), the process of an ordinary mobile terminal and the intelligent mobile POS machine (21) being used cooperatively as a whole to complete payment transaction can be realized. In this way, not only can a payment function of the customized mobile terminal be realized, but also all the functions of the ordinary mobile terminal can be realized, so that it is more convenient to operate and carry the mobile POS machine, the usage costs are reduced, and meanwhile the requirements of a user for good performance and low costs of a mobile device can be satisfied.

Description

Intelligent mobile POS machine and payment system

Technical field

The invention belongs to the field of communications, and in particular relates to an intelligent mobile POS machine and a payment system.

Background technique

Smart mobile POS machine (Point of Sales, sales terminal) is an RF-SIM card terminal reader that connects to the background server through CDMA, GPRS, TCP/IP, etc. The intelligent mobile POS machine is installed in the special merchants and receiving outlets of the bank card and connected to the computer to realize the automatic transfer of electronic funds. It has the functions of supporting consumption, pre-authorization, balance inquiry and transfer, and is safe and fast to use. ,reliable.

With the popularity of mobile terminals (such as pads, mobile phones, etc.), more and more users use mobile terminals for mobile payment, acquiring and consumption. The existing mobile terminal with transaction payment function belongs to a customized product. The customized mobile terminal is a combination of an integrated encryption chip and a PSAM card, which can realize the function of an ordinary mobile phone, and can realize the transfer and remittance of the smart mobile POS machine and the balance inquiry. , credit card repayment and many other business functions.

However, the operating system and application software used in the existing customized mobile terminal are different from the ordinary mobile terminal, and the cost is high, which results in high user use cost in transaction payment, and cannot satisfy the user's performance and cost for the mobile device at the same time. Low requirements.

technical problem

The embodiment of the invention provides a payment system, which aims to solve the problem that the existing customized mobile terminal is expensive, and the user has high use cost in transaction payment, and cannot meet the requirements of the user for good performance and low cost of the mobile device. problem.

Technical solution

The embodiment of the present invention is implemented as follows, a payment system, including an intelligent mobile POS machine and a mobile terminal;

The smart mobile POS machine includes a payment unit, and the payment unit includes:

The main control module is respectively connected to the smart mobile POS communication module and the card reading module, and configured to receive the bank card information sent by the card reading module, and send the information to the smart mobile POS communication module; and receive the smart mobile POS The bank card password sent by the computer communication module generates a payment request according to the bank card password, and sends the payment request to the smart mobile POS communication module;

An intelligent mobile POS communication module is connected to the main control module and communicates with the mobile terminal, and is configured to receive bank card information and a payment request sent by the main control module, and send the request to the mobile terminal, so as to Displaying, by the display screen of the mobile terminal, the bank card information and the payment request; receiving a bank card password that is sent by the mobile terminal by the user through the keyboard of the mobile terminal, and sending the password to the main control module;

a card reading module, connected to the main control module, for reading bank card information, and sending to the main control module;

The mobile terminal includes:

The mobile terminal communication module is connected to the payment transaction module and is in communication connection with the intelligent mobile POS communication module, and is configured to receive the bank card information and the payment request sent by the intelligent mobile POS communication module, and send the payment to the payment a transaction module; receiving a bank card password sent by the payment transaction module, and sending the password to the smart mobile POS communication module;

Payment transaction module, Connected to the mobile terminal communication module, the display screen, and the keyboard respectively, and when the payment transaction module is in an activated state, is configured to receive bank card information and a payment request sent by the mobile terminal communication module, and send the payment to the display. Displaying a screen; receiving a bank card password entered by the user sent by the keyboard, and transmitting the password to the mobile terminal communication module;

a display screen, respectively connected to the payment transaction module and the keyboard, for receiving the bank card information and the payment request sent by the payment device, receiving the bank card password entered by the user sent by the keyboard, and the bank card information , payment request and bank card password for display;

a keyboard, respectively connected to the payment transaction module and the display screen, for receiving the bank card password entered by the user, and respectively sent to the payment transaction module and the display screen;

The mobile terminal communication module is communicatively coupled to the smart mobile POS communication module for establishing a communication connection between the smart mobile POS machine and the mobile terminal.

An embodiment of the present invention further provides an intelligent mobile POS machine, including a payment unit, where the payment unit includes:

The card reading module is connected to the main control module for reading bank card information and transmitting the card information to the main control module.

Beneficial effect

The communication terminal of the mobile terminal communication module and the intelligent mobile POS communication module of the invention can realize the connection communication between the intelligent mobile POS machine and the mobile terminal, and the user only needs to use the ordinary mobile terminal and the intelligent mobile POS machine as the connection relationship established. When used together, the transaction payment can be realized. Not only can the payment function of the customized mobile terminal be realized, but also all the functions of the ordinary mobile terminal can be realized, which makes the operation and carrying more convenient, can greatly reduce the use cost, and can simultaneously satisfy the user. Mobile device performance and low cost requirements.

DRAWINGS

1 is a schematic structural diagram of a payment system according to an embodiment of the present invention;

2 is a schematic structural diagram of a smart mobile POS machine according to a first embodiment of the present invention;

3 is a schematic structural diagram of a rear side of a smart mobile POS machine according to a second embodiment of the present invention;

4 is a schematic structural diagram of a front side of a smart mobile POS machine according to a second embodiment of the present invention;

FIG. 5 is a schematic structural diagram of a payment unit according to a first embodiment of the present invention; FIG.

6 is a schematic structural diagram of a payment unit according to a second embodiment of the present invention;

FIG. 7 is a schematic diagram of the overall structure of a payment system according to a first embodiment of the present invention; FIG.

FIG. 8 is a schematic diagram of the overall structure of a payment system according to a second embodiment of the present invention; FIG.

FIG. 9 is a flowchart of an implementation of a payment system according to an embodiment of the present invention.

Embodiments of the invention

The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

Fig. 1 shows the structure of a payment system in an embodiment of the present invention, and for convenience of explanation, only parts related to the present invention are shown.

The payment system in the embodiment of the present invention includes an intelligent mobile POS machine 21 and a mobile terminal 22.

2 is a diagram showing the structure of an intelligent mobile POS machine according to a first embodiment of the present invention. For the convenience of description, only parts related to the present invention are shown.

The smart mobile POS machine 21 in the embodiment of the present invention includes a groove 11 and a payment unit 12 adapted to the shape of the mobile terminal.

The groove 11 corresponding to the shape of the mobile terminal in the embodiment of the present invention is used for placing the mobile terminal, such as a mobile phone, a PAD, and the like.

3 is a diagram showing the structure of the rear side of the smart mobile POS machine according to the second embodiment of the present invention. For the convenience of description, only parts related to the present invention are shown.

As an embodiment of the present invention, preferably, in order to facilitate the merchant and the customer to simultaneously view the transaction payment information, the smart mobile POS machine 21 includes a groove 11 adapted to the shape of the mobile terminal, the payment unit 12, and the smart mobile POS display. 13.

In the embodiment of the present invention, the smart mobile POS display 13 for the merchant is disposed obliquely above the payment unit 12, and the payment unit 12 is fixedly connected to the smart mobile POS display 13 at a certain angle, and the payment unit 12 is disposed directly below The recess 11 is adapted to the shape of the mobile terminal, and the payment unit 12 is integrally formed with the recess 11 in the same casing.

The smart mobile POS display 13 in the embodiment of the present invention can display the transaction payment information to the merchant, and the information input by the user in the display screen of the mobile terminal can be viewed by the merchant through the intelligent mobile POS display 13 so as to be faster. Complete the transaction payment process.

The front side and the rear side of the smart mobile POS machine 21 in the embodiment of the present invention are defined by the recess 11 in which the mobile terminal 22 is placed as the front side, and the user performs the transaction using the smart mobile POS machine 21 in the embodiment of the present invention. At the time, the smart mobile POS display 13 for the merchant is the rear side of the smart mobile POS machine 21.

As an embodiment of the present invention, preferably, the smart mobile POS machine 21 further has a keyboard, and the user inputs the bank card password by using the keyboard when paying, which can ensure the security of the password input and make the whole payment transaction process more secure and reliable. .

FIG. 5 is a diagram of a structure of a payment unit according to a first embodiment of the present invention. For convenience of explanation, only parts related to the present invention are shown.

The payment unit 12 in the embodiment of the present invention includes a main control module 121, an intelligent mobile POS communication module 122, and a card reading module 123.

The main control module 121 is connected to the smart mobile POS communication module 122 and the card reading module 123, and is configured to receive the bank card information sent by the card reading module 123, and send the information to the smart mobile POS communication module 122; and receive the smart mobile POS machine. The bank card password sent by the communication module 122 generates a payment request according to the bank card password, and sends the payment request to the smart mobile POS communication module 122.

The intelligent mobile POS communication module 122 is connected to the main control module 121 and communicates with the mobile terminal. The intelligent mobile POS communication module 122 receives the bank card information and the payment request sent by the main control module 121, and sends the same to the display screen of the mobile terminal. The smart mobile POS communication module 122 receives the bank card password of the user that is sent by the mobile terminal through the keyboard of the mobile terminal, and sends the password to the main control module 121. Compared with the traditional POS, the smart mobile POS machine in the embodiment of the present invention does not have a display screen and a button, and realizes transaction payment by sharing the display screen and the keyboard with the mobile terminal, thereby greatly reducing the smart mobile POS machine. The volume and weight reduce the cost, and by using the screen of the mobile terminal, more interactive information can be displayed to the user, which enhances the user's visual experience.

In the embodiment of the present invention, the intelligent mobile POS communication module 122 includes a smart mobile POS wired communication module and an intelligent mobile POS wireless communication module.

The intelligent mobile POS wired communication module has a wired communication interface of the intelligent mobile POS, and is used for wired communication between the main control module 121 and the mobile terminal through the intelligent mobile POS wired communication interface.

As an embodiment of the present invention, the wired communication interface of the intelligent mobile POS can be performed by using a USB interface or an audio interface.

The USB interface is connected to one end of the USB cable for transmitting data to the mobile terminal connected to the other end of the USB cable through the USB cable.

In the embodiment of the present invention, the user puts the mobile terminal into the smart mobile POS machine, and the smart mobile POS machine has a USB connection line, and the mobile terminal and the smart mobile POS are automatically established by inserting the USB connection line into the USB interface of the mobile terminal. Machine connection.

The audio interface is connected to one end of the audio line for transmitting data through the audio line to the mobile terminal connected to the other end of the audio line.

The intelligent mobile POS wireless communication module in the embodiment of the invention has an intelligent mobile POS wireless communication interface for communicating the main control module 121 and the mobile terminal in a wireless connection through the intelligent mobile POS wireless communication interface.

As an embodiment of the present invention, the intelligent mobile POS wireless communication interface includes a smart mobile POS Bluetooth interface and a smart mobile POS machine NFC (Near Field) Communication, near field communication technology) interface.

When the mobile terminal turns on the Bluetooth function and sends a request, the smart mobile POS machine Bluetooth interface receives the request and automatically establishes a connection between the main control module 121 and the mobile terminal for communication.

When the mobile terminal turns on the NFC function and sends a request, the smart mobile POS machine NFC interface receives the request and establishes a connection between the main control module 121 and the mobile terminal for communication.

The communication connection manner provided by the intelligent mobile POS machine in the embodiment of the present invention includes two methods: a wired communication connection and a wireless communication connection, and the wired communication connection can use a USB data line or an audio line of the smart mobile POS machine, and the wireless communication connection can use the smart connection. Mobile POS machine Bluetooth or smart mobile POS machine NFC, when the mobile terminal and the smart mobile POS machine determine a communication connection mode, the user can view the transaction information and perform transaction payment operations such as transfer and balance inquiry at any time through the mobile terminal. The smart mobile POS machine in the embodiment of the present invention performs transaction payment in full compliance with the relevant standards of the transaction operation of the mobile communication terminal.

The card reading module 123 is connected to the main control module 121 for reading bank card information and transmitting it to the main control module 121.

As an embodiment of the present invention, the card reading module 123 includes a magnetic stripe card swipe module, an IC card swipe module, and NFC (Near Field) Communication, Near Field Communication Technology) One or a combination of swipe modules. Through the card reading module 123, the smart mobile POS machine can read all the relevant information of the bank card, such as a medical insurance card, a social security card, a city card, etc., and the smart mobile POS communication module 122 can communicate with the mobile terminal to perform the credit card transaction payment.

The customer can make payment by direct card payment and inductive card payment. When the customer makes direct card payment, the card can be paid by the magnetic stripe card swiping module and the IC card swiping module; when the customer performs the inductive payment, Card payment is made through the NFC card swipe module.

Fig. 6 is a diagram showing the structure of a payment unit according to a second embodiment of the present invention. For convenience of explanation, only parts related to the present invention are shown.

As an embodiment of the present invention, the payment unit 12 further includes an input module 124.

The input module 124 is connected to the main control module 121 for receiving the bank card password entered by the user and transmitting it to the main control module 121.

The main control module 121 is connected to the smart mobile POS communication module 122. The main control module 121 receives the bank card password entered by the user, encrypts the bank card password by using an encryption algorithm, and sends the password to the smart mobile POS communication module 122. The machine communication module 122 transmits the encrypted bank card password to the mobile terminal 22, so that the mobile terminal 22 displays the bank card password in a ciphertext manner and proceeds to the next payment transaction flow.

The main control module 121 generates a payment request based on the bank card password, and transmits the payment request to the smart mobile POS communication module 122, and the smart mobile POS communication module 122 transmits the payment request to the mobile terminal 22 for display.

The input module 124 in the embodiment of the present invention has a key input keyboard, and can input a bank card password when the user pays by using a key input manner.

The input module 124 in the embodiment of the present invention can also input the bank card password when the user pays by using the touch input method.

In the embodiment of the present invention, the user can select to use the keyboard of the mobile terminal or the input module 124 in the payment unit 12 to input the bank card password when the user pays, and the data can be guaranteed when the user selects the input module 124 to input the bank card password. Security makes the entire payment transaction process more secure and reliable.

As an embodiment of the present invention, preferably, the smart mobile POS machine further includes a printer module.

The printing module is connected to the main control module 11 for receiving the transaction result sent by the main control module 11 and printing out the transaction result. The printing result can be printed by the printing module, so that the user can confirm the payment and complete the payment transaction.

As another embodiment of the present invention, the smart mobile POS machine further includes a buzzer indicator module.

The buzzer indicator module is connected to the main control module 11. When the user performs the card payment by the smart mobile POS machine, the main control module 11 receives the bank card information sent by the card reading module 123, and generates a signal command. The main control module 11 sends a signal command to the buzzer indicator module, and the buzzer indicator lights up. When the buzzer indicator flashes, the bank card information read by the smart mobile POS machine is incorrect, such as insufficient balance in the bank card, prompting the user to change the card for payment transaction; when the buzzer indicator is normally displayed The bank card information read by the smart mobile POS machine prompts the user to make a payment transaction.

Fig. 7 shows the overall structure of a payment system in the first embodiment of the present invention, and only parts related to the present invention are shown for convenience of explanation.

In the embodiment of the present invention, the mobile terminal 22 includes a mobile terminal communication module 221, a payment transaction module 222, a display screen 223, and a keyboard 224.

The mobile terminal communication module 221 is connected to the payment transaction module 222 and is in communication with the smart mobile POS communication module 122 for receiving the bank card information and the payment request sent by the smart mobile POS communication module 122, and sending the payment to the payment transaction module 222. Receiving the bank card password sent by the payment transaction module 222 and transmitting it to the smart mobile POS communication module 122.

The mobile terminal communication module 221 in the embodiment of the present invention includes a mobile terminal wired communication module and a mobile terminal wireless communication module.

The wired communication module of the mobile terminal has a wired communication interface of the mobile terminal, and the wired communication interface of the mobile terminal and the wired communication interface of the intelligent mobile POS are connected through the data line, so that communication between the mobile terminal 22 and the intelligent mobile POS device can be realized.

As an embodiment of the present invention, the wired communication interface of the mobile terminal can be performed by using a USB interface or an audio interface.

The USB interface is connected to one end of the USB cable for transmitting data to the smart mobile POS device 21 connected to the other end of the USB cable through the USB cable. The wired communication mode between the smart mobile POS device 21 and the mobile terminal 22 is USB. Interface communication, with good compatibility.

In the embodiment of the present invention, the user puts the mobile terminal 21 into the smart mobile POS machine 22, and the smart mobile POS machine 22 has a USB connection line, and the mobile terminal is automatically established by inserting the USB connection line into the USB interface of the mobile terminal 21. Connection to a smart mobile POS machine.

The audio interface is connected to one end of the audio line for transmitting data through the audio line to the smart mobile POS machine 21 connected to the other end of the audio line.

The wireless communication module of the mobile terminal in the embodiment of the present invention has a wireless communication interface of the mobile terminal, and the wireless communication interface of the mobile terminal and the wireless communication interface of the intelligent mobile POS are connected by wireless, and the smart mobile POS machine 21 and the mobile terminal 22 can be realized. Communicate between.

As an embodiment of the present invention, the mobile terminal wireless communication interface includes a Bluetooth interface and an NFC interface.

When the mobile terminal 22 turns on the Bluetooth function and sends a request, the Bluetooth interface receives the request and automatically establishes a connection between the mobile terminal 22 and the smart mobile POS machine 21 for communication.

When the mobile terminal 22 turns on the NFC function and sends a request, the NFC interface receives the request and establishes a connection between the mobile terminal 22 and the smart mobile POS machine 21 for communication.

The payment transaction module 222 is respectively connected to the mobile terminal communication module 221, the display screen 223, and the keyboard 224. When the payment transaction module 222 is in the startup state, the payment transaction module 222 receives the bank card information and the payment request sent by the mobile terminal communication module 221, and The payment transaction module 222 receives the bank card password entered by the user sent by the keyboard 224 and sends it to the mobile terminal communication module 221.

The payment transaction module 222 in the embodiment of the present invention is a payment transaction software APP (Application) that can be installed on the mobile terminal 22. The smart mobile POS is controlled by the software in the mobile terminal 22 through the communication interface of the mobile terminal. The machine 21 interacts to read the user's bank card information by swiping and inserting the card, and can input the user's bank card password using the software's keyboard to perform the transaction.

Compared with the existing customized mobile terminal, the mobile terminal 22 in the embodiment of the present invention belongs to a common mobile terminal, rather than a customized product, and the user only needs to install the payment transaction software APP for the ordinary mobile terminal owned by the user, and implements with the present invention. In the example, the smart mobile POS machine 21 can be used to implement transaction payment, which not only realizes the payment function of the customized mobile terminal, but also realizes all the functions of the ordinary mobile terminal, and has better compatibility and versatility, and the user passes The use of its own ordinary mobile terminal without the need to use a custom mobile terminal for transaction payment, thereby greatly reducing the cost.

The display screen 223 is respectively connected to the payment transaction module 222 and the keyboard 224. The display screen 223 is configured to receive the bank card information and the payment request sent by the payment transaction module 222, receive the bank card password entered by the user sent by the keyboard 224, and provide the bank card information. , payment request and bank card password for display.

The keyboard 224 is respectively connected to the payment transaction module 222 and the display screen 223. The keyboard 224 receives the bank card password entered by the user and sends it to the payment transaction module 222 and the display screen 223 respectively, so that the display screen 223 displays the bank card password.

The keyboard 224 in the embodiment of the present invention may adopt a button input keyboard or a virtual keyboard, and the user may input the bank card password by means of a key input method or a touch input method when the user pays.

Fig. 8 shows the overall structure of a payment system in a second embodiment of the present invention, and only parts related to the present invention are shown for convenience of explanation.

FIG. 9 shows an implementation flow of a payment system according to an embodiment of the present invention, which is described in detail as follows:

1. The intelligent mobile POS machine establishes a connection with the mobile terminal for communication;

2. The user inputs a transaction request through the keyboard of the mobile terminal and displays it through the display screen of the mobile terminal;

3. The mobile terminal sends the transaction request input by the user to the smart mobile POS machine;

4. The smart mobile POS machine generates the prompting information of the card according to the received transaction request;

5. The intelligent mobile POS machine sends the card prompting information to the mobile terminal;

6. The mobile terminal displays the prompt information of the card to the user through the display screen, so as to prompt the user to swipe the card;

7. The user pays the bank card through the card reading module of the smart mobile POS machine according to the card prompting information on the display screen of the mobile terminal;

8. The intelligent mobile POS machine reads the bank card information, and generates a password input prompt message according to the read bank card information;

9. The intelligent mobile POS machine sends the password input prompt information to the mobile terminal;

10. The mobile terminal displays a password input prompt message to the user through the display screen;

11. The user inputs a bank card password on the keyboard of the mobile terminal according to the prompt information and password input prompt information;

12. The mobile terminal sends the bank card password to the smart mobile POS machine;

13. The smart mobile POS machine generates a payment request according to the received bank card password;

14. The intelligent mobile POS machine sends a payment request to the mobile terminal;

15. The mobile terminal sends the payment request to the bank backend server through the 3G/4G mobile network or the WIFI network;

16. The bank back-end server deducts the payment according to the payment request, and the transaction result is generated after the deduction is completed;

17. The bank backend server sends the transaction result to the mobile terminal;

18. The mobile terminal receives the transaction result and displays the transaction result to the user through the display screen;

19. The user confirms the transaction result through the display screen of the mobile terminal, and inputs the confirmation information through the keyboard of the mobile terminal;

20. The mobile terminal sends the confirmation information to the smart mobile POS machine;

21. The intelligent mobile POS machine prints the transaction result according to the confirmation information and outputs it to the user.

In the embodiment of the present invention, the user can input a transaction request, such as a transaction amount, through the keyboard 224, and display it through the display screen 223 of the mobile terminal 22, and the transaction request is automatically sent to the smart mobile POS machine 21, and the mobile terminal 22 The display screen 223 will prompt the user to swipe the card, and the user can swipe the card through the card reading module 123 of the smart mobile POS machine 21, after the card is completed, the user will be prompted to input the card password, and the user inputs through the keyboard 224 on the mobile terminal 22. After the card password is sent to the payment transaction module 222, the payment transaction module 222 sends the card password to the mobile terminal communication module 221, and the mobile terminal communication module 221 sends the card password to the intelligent mobile POS communication module 122, and the intelligent mobile POS communication module 122 Sending the card password to the main control module 121, the main control module 121 generates a payment request according to the card password, and sends the payment request to the smart mobile POS communication module 122, and the smart mobile POS communication module 122 sends the payment request to the mobile terminal for communication. Module 221, the mobile terminal communication module 221 sends a payment request to the payment transaction module 222, The payment transaction module 222 sends the payment request to the bank back-end server through the 3G/4G mobile network or the WIFI network of the mobile terminal 22 for deduction, and the bank back-end server performs the transaction result to generate the transaction result, and sends the transaction result to the mobile terminal 22. The display is performed, and the smart mobile POS machine 21 prints the transaction result, and the transaction payment is completed.

The mobile terminal communication module 221 and the intelligent mobile POS communication module 122 in the present invention can realize the connection communication between the smart mobile POS machine 22 and the mobile terminal 21, and the user only needs to connect the ordinary mobile terminal 21 and the smart mobile POS machine 22 As a whole, the transaction payment can be realized. Not only can the payment function of the customized mobile terminal be realized, but also all the functions of the ordinary mobile terminal can be realized, which makes the operation and carrying more convenient, can greatly reduce the use cost, and can simultaneously satisfy the user. For mobile devices with good performance and low cost.

As an embodiment of the present invention, as shown in FIG. 2, the smart mobile POS machine includes a groove 11 and a payment unit 12 that are adapted to the shape of the mobile terminal.

As an embodiment of the present invention, preferably, in order to facilitate the merchant and the customer to simultaneously view the transaction payment information, as shown in FIG. 3, the smart mobile POS machine 21 includes a groove 11 adapted to the shape of the mobile terminal, the payment unit 12, and Intelligent mobile POS display 13.

As shown in FIG. 5, the payment unit 12 includes a main control module 121, an intelligent mobile POS communication module 122, and a card reading module 123.

As an embodiment of the present invention, as shown in FIG. 6, the payment unit 12 further includes an input module 124.

The existing intelligent mobile POS machine has a display screen and a button, and the user can intuitively obtain relevant transaction information by viewing the display screen, and can input the bank card password and the like through the button, but the display screen and the button on the smart mobile POS machine occupy the POS. Most of the size and weight of the machine directly lead to the cumbersome and inconvenient carrying of the existing smart mobile POS machine, which cannot meet the user's requirements for the light and simpleness of the mobile device.

Compared with the existing smart mobile POS machine, the smart mobile POS machine 21 in the embodiment of the present invention includes the groove 11 and the payment unit 12 adapted to the external shape of the mobile terminal 22, and the intelligent mobile POS communication module through the payment unit 12. 121 can realize a communication connection between the smart mobile POS machine 21 and the mobile terminal 22 placed in the groove 11, and the smart mobile POS machine 21 can share the keyboard 224 and the display 223 of the mobile terminal 22 through the established connection relationship, thereby The volume and weight of the smart mobile POS machine 21 are reduced in size, the cost is reduced, and more interactive information can be displayed to the user by using the screen of the mobile terminal 22, thereby improving the visual experience of the user.

The communication terminal of the mobile terminal communication module and the intelligent mobile POS communication module of the invention can realize the connection communication between the intelligent mobile POS machine and the mobile terminal, and the intelligent mobile POS machine can share the keyboard and the display of the mobile terminal through the established connection relationship. Therefore, the size and weight of the smart mobile POS machine are greatly reduced, and the user's requirements for the lightness and convenience of the mobile device are met, and the user can choose to use the keyboard of the mobile terminal or the input module in the payment unit for banking when paying. The input of the card password can ensure the security of the data when the user selects the input module to input the bank card password, so that the entire payment transaction process becomes more secure and reliable, and the user only needs to cooperate with the ordinary mobile terminal and the intelligent mobile POS machine as a whole. By using, transaction payment can be realized, not only can realize the payment function of the customized mobile terminal, but also realize all the functions of the ordinary mobile terminal, which makes the operation and carrying more convenient, can greatly reduce the use cost, and can simultaneously satisfy the user's performance on the mobile device. Good, low cost Seek, and you can display more information to the user interaction by using the screen of the mobile terminal, while improving the user's visual experience.

The above is only the preferred embodiment of the present invention, and is not intended to limit the present invention. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the protection of the present invention. Within the scope.

Claims

A payment system, characterized in that the payment system comprises an intelligent mobile POS machine and a mobile terminal;

The smart mobile POS machine includes a payment unit, and the payment unit includes:

The main control module is respectively connected to the smart mobile POS communication module and the card reading module, and configured to receive the bank card information sent by the card reading module, and send the information to the smart mobile POS communication module; and receive the smart mobile POS The bank card password sent by the computer communication module generates a payment request according to the bank card password, and sends the payment request to the smart mobile POS communication module;

An intelligent mobile POS communication module is connected to the main control module and communicates with the mobile terminal, and is configured to receive bank card information and a payment request sent by the main control module, and send the request to the mobile terminal, so as to Displaying, by the display screen of the mobile terminal, the bank card information and the payment request; receiving a bank card password that is sent by the mobile terminal by the user through the keyboard of the mobile terminal, and sending the password to the main control module;

a card reading module, connected to the main control module, for reading bank card information, and sending to the main control module;

The mobile terminal includes:

The mobile terminal communication module is connected to the payment transaction module and is in communication connection with the intelligent mobile POS communication module, and is configured to receive the bank card information and the payment request sent by the intelligent mobile POS communication module, and send the payment to the payment a transaction module; receiving a bank card password sent by the payment transaction module, and sending the password to the smart mobile POS communication module;

Payment transaction module, Connected to the mobile terminal communication module, the display screen, and the keyboard respectively, and when the payment transaction module is in an activated state, is configured to receive bank card information and a payment request sent by the mobile terminal communication module, and send the payment to the display. Displaying a screen; receiving a bank card password entered by the user sent by the keyboard, and transmitting the password to the mobile terminal communication module;

a display screen, respectively connected to the payment transaction module and the keyboard, for receiving the bank card information and the payment request sent by the payment device, receiving the bank card password entered by the user sent by the keyboard, and the bank card information , payment request and bank card password for display;

a keyboard, respectively connected to the payment transaction module and the display screen, for receiving the bank card password entered by the user, and respectively sent to the payment transaction module and the display screen;

The mobile terminal communication module is communicatively coupled to the smart mobile POS communication module for establishing a communication connection between the smart mobile POS machine and the mobile terminal.

2. The payment system of claim 1, wherein the smart mobile POS machine further comprises:

a groove adapted to the shape of the mobile terminal for placing the mobile terminal.

3. The payment system of claim 2, wherein the smart mobile POS machine further comprises:

Intelligent mobile POS display for viewing different transaction payment information for different users.

4. The payment system of claim 1 wherein the payment unit further comprises:

The input module is connected to the main control module, and is configured to receive a user input bank card password and send the password to the main control module.

5. The payment system of claim 1 wherein said intelligent mobile POS communication module comprises:

The intelligent mobile POS machine wired communication module has an intelligent mobile POS machine wired communication interface, and is used for wired communication with the mobile terminal through a wired communication interface;

The intelligent mobile POS wireless communication module has an intelligent mobile POS wireless communication interface for wireless communication with the mobile terminal through a wireless communication interface.

6. The payment system of claim 5, wherein the intelligent mobile POS machine wired communication interface is:

USB interface or audio interface.

7. The payment system of claim 5, wherein the intelligent mobile POS wireless communication interface is:

Bluetooth interface or NFC interface.

The payment system according to any one of claims 1 to 7, wherein the card reading module comprises one of a magnetic stripe card swiping module, an IC card swiping module, and an NFC swipe module or combination.

9. An intelligent mobile POS machine, comprising: a payment unit, the payment unit comprising:

The main control module is respectively connected to the smart mobile POS communication module and the card reading module, and configured to receive the bank card information sent by the card reading module, and send the information to the smart mobile POS communication module; and receive the smart mobile POS The bank card password sent by the computer communication module generates a payment request according to the bank card password, and sends the payment request to the smart mobile POS communication module;

An intelligent mobile POS communication module is connected to the main control module and communicates with the mobile terminal, and is configured to receive bank card information and a payment request sent by the main control module, and send the request to the mobile terminal, so as to Displaying, by the display screen of the mobile terminal, the bank card information and the payment request; receiving a bank card password that is sent by the mobile terminal by the user through the keyboard of the mobile terminal, and sending the password to the main control module;

The card reading module is connected to the main control module for reading bank card information and transmitting the card information to the main control module.

The smart mobile POS machine of claim 9, wherein the smart mobile POS machine further comprises:

a groove adapted to the shape of the mobile terminal for placing the mobile terminal.

The smart mobile POS machine of claim 10, wherein the smart mobile POS machine further comprises:

Intelligent mobile POS display for viewing different transaction payment information for different users.

The smart mobile POS machine according to claim 9, wherein the payment unit further comprises:

The input module is connected to the main control module, and is configured to receive a user input bank card password and send the password to the main control module.

The intelligent mobile POS machine of claim 9, wherein the intelligent mobile POS communication module comprises:

The intelligent mobile POS machine wired communication module has an intelligent mobile POS machine wired communication interface, and is used for wired communication with the mobile terminal through a wired communication interface;

The intelligent mobile POS wireless communication module has an intelligent mobile POS wireless communication interface for wireless communication with the mobile terminal through a wireless communication interface.

The intelligent mobile POS machine according to claim 13, wherein the intelligent mobile POS machine wired communication interface is:

USB interface or audio interface.

15. The intelligent mobile POS device of claim 13, wherein the intelligent mobile POS wireless communication interface is:

Bluetooth interface or NFC interface.

The smart mobile POS machine according to any one of claims 9 to 15, wherein the card reading module comprises one of a magnetic stripe card swiping module, an IC card swiping module, and an NFC swipe module. Or a combination thereof.