CN102842080A - Check consumer transaction method based on POS (point of sales) terminal - Google Patents
Check consumer transaction method based on POS (point of sales) terminal Download PDFInfo
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- CN102842080A CN102842080A CN2012102453914A CN201210245391A CN102842080A CN 102842080 A CN102842080 A CN 102842080A CN 2012102453914 A CN2012102453914 A CN 2012102453914A CN 201210245391 A CN201210245391 A CN 201210245391A CN 102842080 A CN102842080 A CN 102842080A
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- check
- pos terminal
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- consumer sale
- bill
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Abstract
The invention relates to a check consumer transaction method based on a POS (point of sales) terminal. The check consumer transaction method comprises the steps of: 101) filling in par information according to a check-signing requirement; 102) obtaining information of receiving the check and transmitting to an issuing bank through the POS terminal, wherein the information of receiving the check includes the par information; 103) checking whether the received check is real by the issuing bank, if so, entering the next step, or else, skipping the next step to finish; and 104) judging whether full payment is available by the issuing band, if so, successfully trading and printing the bill, or else, unsuccessfully trading or prompting an error message. According to the check consumer transaction method based on the POS terminal, the check consumer transaction is convenient and easy to use just as a union pay card, therefore, the travelling time of fund is shortened, and the use efficiency of the fund is improved.
Description
Technical field
The present invention relates to the secure digital payment, be specifically related to a kind of check consumer sale method based on point-of-sale terminal (POS terminal).
Background technology
The POS terminal is the ideal selection of various electronic commerce terminals, integrated circuit (IC) card intelligent terminal, the network terminal and data collection station owing to the design of strong, powerful, the technical grade of extensibility, have that high performance price ratio, compact conformation, function are practical, simple to operate, stable performance, be easy to characteristics such as secondary application and development.Since make things convenient for consumer's purchase and consumption clearing, convenient and swift, can stimulate wholesale buying and the shopping of impulsion property, increase trade company's sales volume; Reduce trade company's clearance cash simultaneously and deposit links such as bank, increase velocity of money; Effectively evade counterfeit money and cash management security risk; Promote transaction processing speed, accelerate trade company's use of funds; Increase the cash flow water yield of trade company, be of value in the future handling of loan whenever necessary in bank.But present POS terminal only limits to the consumer sale of interchanger, does not also support the POS terminal of check consumer sale or such POS terminal to be disclosed.
Summary of the invention
The technical issues that need to address of the present invention are, how a kind of check consumer sale method based on the POS terminal is provided, and can support the check consumer sale.
Technical matters of the present invention solves like this: make up a kind of check consumer sale method based on the POS terminal, may further comprise the steps:
101) sign and issue requirement by check and fill in ticket information;
102) obtaining it through the POS terminal receives the information of check and sends to the row of drawing a bill; The information of said reception check comprises said ticket information;
Is 103) this reception check of capable verification of drawing a bill true? Be to get into next step, finish otherwise skip following steps;
104) draw a bill the row judge whether and can pay in full amount? Be Transaction Success and print bill, otherwise Fail Transaction or prompting error message.
According to the check consumer sale method based on the POS terminal provided by the invention, said step 101) in to fill in be to print.
According to the check consumer sale method based on the POS terminal provided by the invention, step 102) obtain the information that receives check through bar code scan.
According to the check consumer sale method based on the POS terminal provided by the invention, said step 101) in to fill in be hand-written.
According to the check consumer sale method based on the POS terminal provided by the invention, step 102) comprise through optical character identification (OCR identification) and obtain the information that receives check.
According to the check consumer sale method based on the POS terminal provided by the invention, said step 103) in verification be the payment cipher verification.
According to the check consumer sale method based on the POS terminal provided by the invention, this method also comprises according to the nominal value key element calculating payment cipher that uses invoice and is printed on the check; Step 102) information that receives check described in also comprises said payment cipher.
According to the check consumer sale method based on the POS terminal provided by the invention, step 103) in the said reception check of capable verification of drawing a bill be also to comprise the prompting error message after the vacation.
Check consumer sale method based on the POS terminal provided by the invention; Not only can support the interchanger consumer sale; Can also support the consumer sale of check; Make the check consumer sale equally convenient easy-to-use, thereby shortened the time in transit of fund, improved the service efficiency of fund as interchanger.
Description of drawings
Further the present invention is elaborated below in conjunction with accompanying drawing and specific embodiment:
Fig. 1 is the system architecture synoptic diagram of the preferred specific embodiment of the present invention;
Fig. 2 plays face of the value synoptic diagram for the machine of the employing QR two-dimension code that the present invention uses;
Fig. 3 plays face of the value synoptic diagram for the machine of the employing Maxicode two-dimension code that the present invention uses;
Fig. 4 plays face of the value synoptic diagram for the machine of the employing PDF417 two-dimension code that the present invention uses;
Fig. 5 is a POS terminating circuit block diagram among Fig. 1;
Fig. 6 is Fig. 3 corresponding electrical circuits structural representation;
Fig. 7 is the corresponding check consumer sale software flow synoptic diagram of Fig. 1.
Embodiment
At first, the present invention basis is described:
(1) system architecture of the present invention
As shown in Figure 1, this system is based on POS terminal and paying centre, backstage, and it uses the idiographic flow of check to comprise:
1, signing and issuing of check according to the requirement that check is signed and issued, filled in ticket information, and calculates payment cipher according to the nominal value key element, and different users has different modes and draws a cheque, and a kind of mode is a hand filling, and another kind of mode is printout; Can ticket information be generated two-dimension code during printed checks, be printed on the blank space in the positive lower right corner of check;
2, check is accepted in the process, if the check of hand filling through OCR identification, is read ticket information, sends to POS through interface; If the check of printing through bar code scan, is read ticket information, send to POS through interface; POS can initiate the check circle deposit transaction after receiving check information;
3, draw a bill row after receiving the check circle deposit request, at first to the veritification of authenticity and the legal validity of check, it is legal effective to veritify check; Bank automatically to the account amount of money whether be enough to pay the face of the value amount of money and judge; Account has paying ability, carries out the accounting processing that the cheque sum circle is deposited, and circle is deposited transaction results return circle and deposit scrambler; The drawee confirms transaction according to return results; Circle is deposited successfully, and bank just guarantees honouring of cheque sum, and the check that circle is deposited changes the face of the value amount of money over to the bearer account through the local bill exchange system.Thereby shortened the time in transit of fund, improved the service efficiency of fund.
(2) check of the present invention
Comprise printed invoice and hand-written invoice, wherein printed invoice comprises the corresponding two-dimension code of the amount of money, payment cipher and position, the lower right corner shown in Fig. 2-4.The payee is the POS terminal that receives this check.Wherein: the corresponding two-dimension code of Fig. 2 is the QR two-dimension code, and the corresponding two-dimension code of Fig. 3 is the Maxicode two-dimension code, and the corresponding two-dimension code of Fig. 4 is the PDF417 two-dimension code.
(3) POS of the present invention terminal
As illustrated in Figures 5 and 6, POS of the present invention terminal has increased two-dimension code scan module and OCR identification module on conventional P OS terminal-based, is used to obtain the information that receives check.
The second, in conjunction with software the present invention is detailed and specifically realizes:
As shown in Figure 7, the check trading program on the preferred specific embodiment POS of the present invention terminal comprises following concrete steps:
301) beginning;
302) do you judge that the reception check is hand-written or machine is beaten? Hand-written entering step 303), machine is beaten and is then got into step 304);
303) manual typing check information gets into step 305);
304) identification automatically, collection check information;
305) Card Reader receives the input check information;
306) do you judge whether information correct? Be to get into next step, otherwise get into step 316);
307) differentiating card sending mechanism confirms to call;
308) call online;
309) judge whether to connect? Be to get into next step, otherwise get into step 316);
310) send data;
311) wait for the reception return information;
312) do you judge that check is true in the return information? Be to show that check gets into next step for true, otherwise show that check is the false step 316 that gets into);
313) do you judge in the return information and pay in full amount? Be to get into next step, otherwise show that insufficient in amount gets into step 316);
314) Transaction Success, printing bill;
315) record Transaction Information;
316) finish.
At last, the above is merely preferred embodiment of the present invention, and all equalizations of being done according to claim scope of the present invention change and modify, and all should belong to the covering scope of claim of the present invention.
Claims (8)
1. the check consumer sale method based on the POS terminal is characterized in that, may further comprise the steps:
101) sign and issue requirement by check and fill in ticket information;
102) obtaining it through the POS terminal receives the information of check and sends to the row of drawing a bill; The information of said reception check comprises said ticket information;
Is 103) this reception check of capable verification of drawing a bill true? Be to get into next step, finish otherwise skip following steps;
104) draw a bill the row judge whether and can pay in full amount? Be Transaction Success and print bill, otherwise Fail Transaction or prompting error message.
2. according to the said check consumer sale method of claim 1, it is characterized in that said step 101 based on the POS terminal) in to fill in be to print.
3. according to the said check consumer sale method of claim 2, it is characterized in that step 102 based on the POS terminal) obtain the information that receives check through bar code scan.
4. according to the said check consumer sale method of claim 1, it is characterized in that said step 101 based on the POS terminal) in to fill in be hand-written.
5. according to the said check consumer sale method of claim 4, it is characterized in that step 102 based on the POS terminal) comprise through OCR identification and obtain the information that receives check.
6. according to the said check consumer sale method of claim 1, it is characterized in that said step 103 based on the POS terminal) in verification be the payment cipher verification.
7. according to the said check consumer sale method of claim 6, it is characterized in that this method also comprises according to the nominal value key element calculating payment cipher that uses invoice and is printed on the check based on the POS terminal; Step 102) information that receives check described in also comprises said payment cipher.
8. according to each said check consumer sale method of claim 1-7, it is characterized in that step 103 based on the POS terminal) in the said reception check of capable verification of drawing a bill be also to comprise the prompting error message after the vacation.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2012102453914A CN102842080A (en) | 2012-07-16 | 2012-07-16 | Check consumer transaction method based on POS (point of sales) terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2012102453914A CN102842080A (en) | 2012-07-16 | 2012-07-16 | Check consumer transaction method based on POS (point of sales) terminal |
Publications (1)
| Publication Number | Publication Date |
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| CN102842080A true CN102842080A (en) | 2012-12-26 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2012102453914A Pending CN102842080A (en) | 2012-07-16 | 2012-07-16 | Check consumer transaction method based on POS (point of sales) terminal |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103136874A (en) * | 2013-01-14 | 2013-06-05 | 深圳宝嘉电子设备有限公司 | Bill processing method based on self-service terminal |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1327216A (en) * | 2000-06-05 | 2001-12-19 | 张树新 | Anti-fake, anti-loss and safety method of paper base check and electronic check by network technology |
| US20020178112A1 (en) * | 2000-08-14 | 2002-11-28 | Visa International Service Association | Point of sale check service |
| CN1558362A (en) * | 2004-02-05 | 2004-12-29 | 中国工商银行 | Method and system for real-time payment of cheque |
| CN201237814Y (en) * | 2008-06-26 | 2009-05-13 | 胡方霞 | Bill self-help POS payment microcomputer accepting system apparatus |
-
2012
- 2012-07-16 CN CN2012102453914A patent/CN102842080A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1327216A (en) * | 2000-06-05 | 2001-12-19 | 张树新 | Anti-fake, anti-loss and safety method of paper base check and electronic check by network technology |
| US20020178112A1 (en) * | 2000-08-14 | 2002-11-28 | Visa International Service Association | Point of sale check service |
| CN1558362A (en) * | 2004-02-05 | 2004-12-29 | 中国工商银行 | Method and system for real-time payment of cheque |
| CN201237814Y (en) * | 2008-06-26 | 2009-05-13 | 胡方霞 | Bill self-help POS payment microcomputer accepting system apparatus |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103136874A (en) * | 2013-01-14 | 2013-06-05 | 深圳宝嘉电子设备有限公司 | Bill processing method based on self-service terminal |
| CN103136874B (en) * | 2013-01-14 | 2015-11-25 | 深圳宝嘉电子设备有限公司 | A kind of bill processing method based on self-aided terminal |
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Application publication date: 20121226 |