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CN1177155A - Card Transaction System Electronic Payment Terminal - Google Patents

Card Transaction System Electronic Payment Terminal Download PDF

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Publication number
CN1177155A
CN1177155A CN97118441A CN97118441A CN1177155A CN 1177155 A CN1177155 A CN 1177155A CN 97118441 A CN97118441 A CN 97118441A CN 97118441 A CN97118441 A CN 97118441A CN 1177155 A CN1177155 A CN 1177155A
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communication module
interface
mobile terminal
data
card
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李海洙
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Samsung Electronics Co Ltd
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Samsung Electronics Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

一卡交易系统电子付款终端具有一可移动终端和一通信模件。该可移动终端包括:IC卡接口、MS卡接口、键板接口、显示器、串行通信控制器、备用充电控制器、通信模件接口、存储器和中心处理单元。通信模件包括:DC电源;串行通信控制器、调制解调器、终端接口、存储器和中心处理单元。根据本发明构成的既可用于有线又可用于无线方式的小型可移动终端,能够降低常规磁条使用卡的不稳定性和不安全状态。

A card transaction system electronic payment terminal has a mobile terminal and a communication module. The mobile terminal includes: an IC card interface, an MS card interface, a key board interface, a display, a serial communication controller, a backup charging controller, a communication module interface, a memory and a central processing unit. The communication module includes: DC power supply; serial communication controller, modem, terminal interface, memory and central processing unit. The small portable terminal that can be used in both wired and wireless modes according to the present invention can reduce the instability and unsafe state of using cards with conventional magnetic stripes.

Description

卡片交易系统 电子付款终端Card Transaction System Electronic Payment Terminal

本发明涉及用于电子付款系统的IC卡终端，特别涉及卡片交易系统的电子付款终端。The invention relates to an IC card terminal for an electronic payment system, in particular to an electronic payment terminal for a card transaction system.

一般来说，信用卡大致分为磁条卡(MS卡)和集成电路卡(IC卡)。磁条卡易于管理，而且价廉，但是存储容量小，性能有限。而且，MS卡易于伪造和变更因而不安全不可靠。特别是，因为在磁条上的所有数据由磁头读出，所以易于非法地获得保密号码。Generally speaking, credit cards are roughly divided into magnetic stripe cards (MS cards) and integrated circuit cards (IC cards). Magnetic stripe cards are easy to manage and inexpensive, but have small storage capacities and limited performance. Moreover, MS cards are easy to forge and change and thus unsafe and unreliable. In particular, since all data on the magnetic stripe is read by the magnetic head, it is easy to illegally obtain the secret number.

因此，IC卡和操作终端被广泛使用，特别是在欧洲，以解决上述问题。被称为巧妙卡(smart card)的IC卡、卡中的芯片或存储卡，因为具有极大的存储容量、高度安全性和可靠性，作为下一代信用卡被广泛使用。IC卡的标准已被国际标准化组织(ISO)建立。Therefore, IC cards and operation terminals are widely used, especially in Europe, to solve the above-mentioned problems. IC cards called smart cards, chips in cards, or memory cards are widely used as next-generation credit cards because of their large storage capacity, high security, and reliability. Standards for IC cards have been established by the International Organization for Standardization (ISO).

本发明的目的是提供一使用IC卡的卡片交易系统的电子付款终端，作为基础终端它有多种财务上的应用，并用于作为设计其他财务终端如出售点(POS)终端、出纳员终端等的基础，并可用于有线或无线的和可移动的方式。The purpose of the present invention is to provide an electronic payment terminal using a card transaction system using an IC card. As a basic terminal, it has multiple financial applications, and is used to design other financial terminals such as point of sale (POS) terminals, cashier terminals, etc. base and can be used in wired or wireless and removable ways.

为实现上述目的，提供的卡片网络电子付款终端包括：一可移动终端，它提供一个询问用户账目余额的用户接口，并处理用户存储和提款的请求；和一个通信模件，其一侧连接加值网络(VAN)，另一侧连接可移动终端，根据向可移动终端和VAN发送的和从可移动终端和VAN接收的数据处理卡的使用细节，并向VAN传送获得的结果。In order to achieve the above object, the card network electronic payment terminal provided includes: a mobile terminal, which provides a user interface for inquiring about the balance of the user's account, and handles the user's deposit and withdrawal requests; and a communication module, one side of which is connected to Value Added Network (VAN), the other side is connected to the mobile terminal, processes the usage details of the card according to the data sent to and received from the mobile terminal and the VAN, and transmits the obtained results to the VAN.

可移动终端包括：一IC卡接口，它提供符合国际标准的IC卡接口；一MS卡读出器，它提供符合国际标准的MS卡接口，并阅读一MS卡；一支持功能键、数字键和选择终端操作菜单的卡数据处理键的键板接口；一显示器，向用户提供一使用该电子付款终端的菜单和信息；一打印机接口，控制一打印机向IC和MS卡用户发出清单；一备用充电控制器，其通过通信模件的电接头充电向脱机处理提供备用电源，当需要充电时发出通告，以保护在低电压状态下的数据；第一存储器，当传送和接收可移动终端的操作程序和数据时提供数据存储空间；一通信模件接口，通过有线或无线与通信模件的终端接口连接，提供传送和接收数据的接口；和第一中心处理单元(CPU)，控制可移动终端的各个元件。The mobile terminal includes: an IC card interface, which provides an IC card interface conforming to international standards; a MS card reader, which provides an MS card interface conforming to international standards, and reads an MS card; a function key and number key supported and a keypad interface for selecting the card data processing key of the terminal operation menu; a display, providing the user with a menu and information for using the electronic payment terminal; a printer interface, controlling a printer to issue lists to IC and MS card users; a spare The charge controller, which provides backup power for off-line processing through the electrical connector charging of the communication module, sends out a notification when charging is required to protect data in a low voltage state; the first memory, when transmitting and receiving mobile terminal Provide data storage space when operating programs and data; a communication module interface, which is connected to the terminal interface of the communication module through wired or wireless, and provides an interface for transmitting and receiving data; and a first central processing unit (CPU), which controls the movable components of the terminal.

另外，通信模件包括：一DC电源，向通信模件提供DC电源；一串行通信控制器，为向外部打印机传送串行数据或由主机接收串行数据提供串行通信接口；一调制解调器，提供与VAN连接的端口，通过该连接端口调制和解调输入和输出的信号；一终端接口，提供与可移动终端和其他财务终端通过有线或无线连接的接口；第二存储器，存储操作通信模件和可移动终端的程序；和第二中心处理单元(CPU)，控制通信模件的各个元件。In addition, the communication module includes: a DC power supply, which provides DC power to the communication module; a serial communication controller, which provides a serial communication interface for transmitting serial data to an external printer or receiving serial data by the host computer; a modem, Provide a port connected to the VAN, through which the input and output signals are modulated and demodulated; a terminal interface, which provides a wired or wireless connection interface with the mobile terminal and other financial terminals; the second memory stores the operating communication module and programs of the mobile terminal; and a second central processing unit (CPU) controlling each element of the communication module.

图1是本发明卡网络电子付款终端的方框图；Fig. 1 is a block diagram of the card network electronic payment terminal of the present invention;

图2是该电子付款终端具有的功能方框架。Figure 2 is the functional framework of the electronic payment terminal.

见图1，卡网络电子付款终端包括一通信模件150和一可移动终端100。而且，电子付款终端可与编辑结果的另一打印机以及其他财务终端如PINPAD或出纳员终端等连接。Referring to FIG. 1 , the card network electronic payment terminal includes a communication module 150 and a mobile terminal 100 . Also, the electronic payment terminal can be connected with another printer for compiling results, and other financial terminals such as PINPAD or teller's terminal, etc.

可移动终端100进行IC卡和MS卡用户的脱机处理和如卡询问、认可和余额询问等的交易细节的联机处理，并提供一用户接口。可移动终端100包括一IC卡接口102；一MS卡读出器104；一键板接口106，一显示器126；一串行通信控制器122；一备用充电控制器120；一通信模件接口112；一存储器108；和一中心处理单元(CPU)110。The mobile terminal 100 performs offline processing of IC card and MS card users and on-line processing of transaction details such as card inquiry, approval, and balance inquiry, and provides a user interface. The mobile terminal 100 includes an IC card interface 102; an MS card reader 104; a keypad interface 106, a display 126; a serial communication controller 122; a standby charging controller 120; a communication module interface 112 ; a memory 108 ; and a central processing unit (CPU) 110 .

IC卡接口102提供一满足国际标准ISO7816的IC卡接口。该IC卡接口102能够以异步、串行或半双工的模式，以每秒9600比特的速度向与卡连接器(未示出)连接的IC卡传送数据和从该IC卡接收数据。The IC card interface 102 provides an IC card interface meeting the international standard ISO7816. The IC card interface 102 is capable of transmitting and receiving data to and from an IC card connected to a card connector (not shown) at a speed of 9600 bits per second in an asynchronous, serial, or half-duplex mode.

MS卡读出器104提供一MS卡接口，它满足国际标准标ISO TRACK II和III，并从MS卡读出数据。MS卡读出器104通过由CPU110接收的中断信号检测一张卡是否插入，并通过一I/O端口接收有效数据。The MS card reader 104 provides an MS card interface, which meets the international standard ISO TRACK II and III, and reads data from the MS card. The MS card reader 104 detects whether a card is inserted through an interrupt signal received by the CPU 110, and receives valid data through an I/O port.

键板接口106支持选择一终端操作菜单的功能键、10个数字键和9个卡数据处理键，从而用户用这些键访问终端。The keypad interface 106 supports function keys for selecting a terminal operation menu, 10 numeric keys and 9 card data processing keys so that the user accesses the terminal with these keys.

显示器126用大的图形液晶显示器显示用户特征菜单和处理结果信息。Display 126 displays user feature menus and process result information using a large graphical liquid crystal display.

串行通信控制器122控制发出IC和MS卡用户清单的小打印机124。备用充电控制器120，当可移动终端脱机时提供备用电池，以在低电压状态下保护数据。备用充电控制器120具有一电压测定电路，通告充电开始时间，并经过在通信模件150中的充电接点充电。The serial communication controller 122 controls the small printer 124 which issues IC and MS card user lists. The backup charging controller 120 provides a backup battery when the mobile terminal is offline, so as to protect data in a low voltage state. The standby charging controller 120 has a voltage measurement circuit, notifies the charging start time, and charges through the charging contact in the communication module 150 .

通信模件接口112，通过有线或无线与通信模件150连接，向/从通信模件150传送/接收数据，以控制在CPU串行通信端口和通信模件150之间的数据传送。在通信模件接口112中，串行通信控制器114为与通信模件150通过线连接提供连接端口，并且一个RF装置116，利用由串行通信控制器114传送的异步串行数据作为输入，通过无线电方式向/由通信模件150传送/接收数据。The communication module interface 112 is connected with the communication module 150 by wire or wirelessly, and transmits/receives data to/from the communication module 150 to control data transmission between the CPU serial communication port and the communication module 150 . In the communication module interface 112, the serial communication controller 114 provides a connection port for connecting with the communication module 150 by wire, and an RF device 116, using the asynchronous serial data transmitted by the serial communication controller 114 as an input, Data is transmitted/received to/from the communication module 150 by radio.

存储器108存储可移动终端100的操作程序，及传送接收的数据。中心处理单元(CPU)110控制可移动终端的每个模块完成它们自己的任务。CPU110最好是一包括低功率静态芯(LoW power static core)、10个输出片选择单元、一个输入和输出端口单元、一中断控制单元、3通道计时/计数单元、一个时钟发生器、一电源控制单元和2个独立的串行通道的微处理器。The memory 108 stores operating programs of the mobile terminal 100 and transmits and receives data. A central processing unit (CPU) 110 controls each module of the mobile terminal to perform their own tasks. CPU110 is preferably one including low power static core (LoW power static core), 10 output chip selection units, an input and output port unit, an interrupt control unit, 3 channel timing/counting units, a clock generator, a power supply control unit and microprocessor with 2 independent serial channels.

通信模件150，其一端连接外部加值网络(VAN)或外部公共交换电话网络(PSTN)，另一端连接可移动终端100，根据向可移动终端100、VAN或PSTN传送/接收的数据，处理卡使用的细节，并向VAN或PSTN传送结果。该通信模件150包括：一DC电源160，一串行通信控制器154，一调制解调器152，一终端接口162，一存储器156和一中心处理单元(CPU)174。通信模件150另外包括一多路连接部分158。Communication module 150, one end of which is connected to external value-added network (VAN) or external public switched telephone network (PSTN), and the other end is connected to mobile terminal 100, according to the data transmitted/received to mobile terminal 100, VAN or PSTN, processing Details of card usage and transmit results to VAN or PSTN. The communication module 150 includes: a DC power supply 160 , a serial communication controller 154 , a modem 152 , a terminal interface 162 , a memory 156 and a central processing unit (CPU) 174 . The communication module 150 additionally includes a multiplex connection section 158 .

向通信模件150提供DC电源的DC电源160，包括：一AC/DC转换器，接收AC电源，产生运行通信模件需要的DC电源；和一个充电指示器，指示充电电平。串行通信控制器154为向/由外部打印机或主机传送/接收串行数据提供串行通信接口。The DC power supply 160 for providing DC power to the communication module 150 includes: an AC/DC converter for receiving AC power and generating DC power for running the communication module; and a charging indicator for indicating the charging level. The serial communication controller 154 provides a serial communication interface for transmitting/receiving serial data to/from an external printer or host computer.

调制解调器152提供与VAN或PSTN连接的端口，并调制和解调由该连接端口输入和输出的信号。调制解调器152另外包括一连接端口，其中，一办公室线与一电话线共用，该办公室线是连接所述VAN的连接端口。The modem 152 provides a port for connection with the VAN or PSTN, and modulates and demodulates signals input and output from the connection port. The modem 152 additionally includes a connection port, wherein an office line is shared with a telephone line, and the office line is the connection port to the VAN.

终端接口162提供一以有线或无线方式与可移动终端100和其他财务终端如POS终端、出纳员终端等连接的接口，并控制CPU174串行通信端口与可移动终端100之间数据传送。终端接口162包括：一串行通信控制器164，用于在可移动终端100和PINPAD之间有线连接提供一通道；和一RF收发器166，它用由串行通信控制器164传送的异步串行通信数据，通过无线方式向/由可移动终端100的通信模件接口112传送/接收数据。The terminal interface 162 provides an interface connected with the mobile terminal 100 and other financial terminals such as POS terminals and cashier terminals in a wired or wireless manner, and controls data transmission between the serial communication port of the CPU 174 and the mobile terminal 100 . Terminal interface 162 comprises: a serial communication controller 164, is used to provide a channel between the portable terminal 100 and the PINPAD wired connection; Communication data, and transmit/receive data to/from the communication module interface 112 of the mobile terminal 100 in a wireless manner.

存储器156存储运行通信模件150和可移动终端100的程序。CPU174控制通信模件150的每一模块。多路连接部分158，将通信模件150连接到多个外部装置，包括RS-485驱动器和多个继电器，所述多个继电器用于打开/断开与外部装置的连接。The memory 156 stores programs for running the communication module 150 and the mobile terminal 100 . The CPU 174 controls each module of the communication module 150 . The multi-connection part 158, which connects the communication module 150 to a plurality of external devices, includes an RS-485 driver and a plurality of relays for opening/disconnecting the connection with the external devices.

现介绍本发明的工作原理。Now introduce the working principle of the present invention.

首先，在通信模件150和可移动终端100中的存储器156和108中分别装入运行和管理系统的系统BIOS(基本输入输出系统)和对系统提供方便和通用性的应用程序。First, the system BIOS (basic input and output system) of the operation and management system and the application program providing convenience and versatility to the system are respectively loaded in the memory 156 and 108 in the communication module 150 and the mobile terminal 100 .

系统BIOS通过控制上述硬件执行该应用程序。当通过键板输入按键时，由键板接口106产生关于输入键的中断请求信号，并且在键缓冲器(未示出)中存储一个扫描代码，这样，对应该相关键的一个预定操作就通过应用程序运行。The system BIOS executes the application program by controlling the aforementioned hardware. When a key is input by the keypad, an interrupt request signal about the input key is generated by the keypad interface 106, and a scan code is stored in the key buffer (not shown), so that a predetermined operation corresponding to the relevant key is passed The application runs.

当通过VAN提供服务信息的公司希望改变或附加一个功能时，被改变或附加的程序数据通过调制解调器152接收并与功能键或相关的参数一同存储到存储器108中。而且，通信模件150和可移动终端100的数据加密程序和识别号码被存储和运行。When a company providing service information through the VAN wishes to change or add a function, the changed or added program data is received through the modem 152 and stored in the memory 108 together with function keys or related parameters. Also, data encryption programs and identification numbers of the communication module 150 and the portable terminal 100 are stored and executed.

当使用信用卡的销售行为数据和销售细节由外部打印机154输出时，通过可移动终端100的键板接口106输入一传送键，并且由无线方式通过RF单元116向通信模件150的RF单元166传送输出数据，并存储在存储器156中。然后，根据由可移动终端100的键输入信号，在串行通信控制器154的控制下，通过打印机124输出该输出数据。When using the sales behavior data and sales details of the credit card to be exported by the external printer 154, a transmission key is input through the keypad interface 106 of the mobile terminal 100, and transmitted to the RF unit 166 of the communication module 150 by the RF unit 116 in a wireless manner The data is output and stored in memory 156. Then, the output data is output through the printer 124 under the control of the serial communication controller 154 according to a key input signal from the portable terminal 100 .

另外，象询问、认可、余额询问、直接付款认可或取消一类的业务，由通信模件150和可移动终端100之间的无线相互作用处理。在销售之后的销售细节存储在可移动终端100的存储器108中，并通过将可移动终端100与通信模件150连接，转储在通信模件150的存储器156中，并传送到VAN的中心计算机。可移动终端100的电池通过电接头充电，该电接头将DC电源160连接到通信模件150。因此，在可移动终端100的电池电源降到对于设备正常运行过低时，业务数据的处理和打印机的操作暂停，并且数据被备用充电控制器120中的备用电池保护。Additionally, transactions such as inquiries, approvals, balance inquiries, direct debit approvals or cancellations are handled by the wireless interaction between the communication module 150 and the mobile terminal 100 . The sales details after the sale are stored in the memory 108 of the mobile terminal 100, and by connecting the mobile terminal 100 with the communication module 150, dumped in the memory 156 of the communication module 150, and sent to the central computer of the VAN . The battery of the mobile terminal 100 is charged through an electrical connector that connects the DC power source 160 to the communication module 150 . Therefore, when the battery power of the mobile terminal 100 drops too low for normal operation of the device, the processing of business data and the operation of the printer are suspended, and the data is protected by the backup battery in the backup charging controller 120 .

提供系统方便的用户接口和加强系统通用性的应用程序，由系统软件基础上的VAN协议运行，并支持分配到功能键的用户功能。该VAN协议支持用于初始化可移动终端100、与可移动终端实时接合、询问和编辑销售细节、取消销售细节和下载被改变或修改的程序的协议。图2是电子付款终端提供的功能框图。Provides a convenient user interface for the system and an application program that enhances the versatility of the system, runs on the VAN protocol based on the system software, and supports user functions assigned to function keys. The VAN protocol supports protocols for initializing the mobile terminal 100, interfacing with the mobile terminal in real time, querying and editing sales details, canceling sales details and downloading changed or modified programs. Fig. 2 is a functional block diagram provided by the electronic payment terminal.

当终端初始化时，即，当根据本发明的电子付款终端被安装或改变时，终端要求与付款终端通过VAN连接的中心计算机登记新的终端并开始业务，或者改变终端，并在存储器156中存储对此的反应。When the terminal is initialized, that is, when the electronic payment terminal according to the present invention is installed or changed, the terminal requires the central computer connected to the payment terminal through the VAN to register a new terminal and start business, or change the terminal, and store in the memory 156 response to this.

为了与可移动终端100实时接合，认可和销售时间的实时信息从中心计算机传送，并被处理以显示和打印认可和销售时间。In order to interface with the mobile terminal 100 in real time, the real-time information of the approval and sale time is transmitted from the central computer and processed to display and print the approval and sale time.

另外，当终端的销售细节要用周期、项目和时间周期编辑时，终端请求主计算机提供认可号码、认可数额、取消号码和取消的数额，并在LCD显示器(液晶显示器)126上显示接收的数据，以便由外部打印机输出这些数据。In addition, when the sales details of the terminal are to be edited by period, item and time period, the terminal requests the host computer to provide the approval number, approval amount, cancellation number and cancellation amount, and displays the received data on the LCD display (liquid crystal display) 126 , so that the data can be output by an external printer.

当一项交易要被取消，由终端向处理销售取消的细节的VAN主机发出认可号码、销售日期和销售额，以便根据认可号码和日期取消销售细节。When a transaction is to be canceled, the terminal sends the approval number, sales date and sales amount to the VAN host which handles the sales cancellation details, so that the sales details are canceled based on the approval number and date.

最后，当终端和中心计算机VAN协议要变更时，由VAN中心计算机向终端卸载数据的卸载功能使终端更新。Finally, when the VAN protocol between the terminal and the central computer is to be changed, the offloading function of the data from the VAN central computer to the terminal updates the terminal.

根据本发明，通过构成能够与其他终端如销售点系统(POS)和出纳员终端连接的既可用于有线的又可用于无线的小型可移动终端，能够降低常规磁卡系统的不稳定性和不安全状态，并且可使本发明适合于各种用途。According to the present invention, the instability and insecurity of the conventional magnetic card system can be reduced by constructing a small portable terminal which can be used for both wired and wireless connection with other terminals such as point-of-sale systems (POS) and teller terminals state, and can adapt the invention to various uses.

另外，通过构成既可用于有线的又可用于无线的小型轻便的可移动终端，能够使本发明适用于各种用途，并采用大型图形LCD以便支持韩文和英文字符和菜单驱动的用户接口，从而能够形成极大的方便。通过构成符合国际标准的标准终端，根据本发明的可移动终端能够应用于其他财务终端如POS系统和出纳员终端的结构。In addition, the present invention can be applied to various uses by constructing a small and light portable terminal that can be used for both wired and wireless, and adopts a large graphic LCD to support Korean and English characters and a menu-driven user interface, thereby Can form great convenience. By constituting a standard terminal conforming to international standards, the portable terminal according to the present invention can be applied to the structure of other financial terminals such as POS systems and teller terminals.

Claims (5)

1.一种电子付款终端，包括：1. An electronic payment terminal, comprising: 一可移动终端，它提供询问用户账目余额的用户接口，并处理用户存款和取款的请求；和a mobile terminal, which provides a user interface for inquiring about user account balances, and handles user deposit and withdrawal requests; and 一通信模件，它的一侧与加值网络(VAN)连接，另一侧与所述可移动终端连接，根据向所述可移动终端和所述VAN传送的数据和由所述可移动终端和VAN接收的数据，处理卡使用细节，并将获得的结果传送到所述VAN；A communication module, one side of which is connected to a value-added network (VAN), and the other side is connected to said mobile terminal, based on the data transmitted to said mobile terminal and said VAN and by said mobile terminal and the data received by the VAN, process the card usage details and transmit the obtained results to said VAN; 其中，所述可移动终端包括：Wherein, the mobile terminal includes: 一IC卡接口，提供符合国际标准的IC卡接口；An IC card interface, providing an IC card interface that meets international standards; 一MS卡读出器，提供符合国际标准的MS卡接口，并读出MS卡；An MS card reader, providing an MS card interface conforming to international standards, and reading out the MS card; 键板接口，支持功能键、数字键和选择终端运行菜单的卡数据处理键；Keypad interface, supporting function keys, number keys and card data processing keys for selecting the terminal operation menu; 一显示器，向用户提供使用所述电子付款终端的菜单和信息；a display providing the user with menus and information for using said electronic payment terminal; 一打印机接口，控制打印机向IC卡和MS卡用户发出清单；A printer interface, controlling the printer to issue lists to IC card and MS card users; 一备用充电控制器，该控制器通过所述通信模件的电接头充电，以向脱机处理提供备用电源，当需要充电时发出通知，以保护低电压状态下的数据；A backup charging controller, which is charged through the electrical connector of the communication module to provide backup power for off-line processing, and sends a notification when charging is required to protect data in a low voltage state; 一第一存储器，当传送和接收可移动终端的运行程序和数据时提供使用的数据存储空间；A first memory, which provides data storage space for use when transmitting and receiving operating programs and data of the mobile terminal; 一通信模件接口，通过有线或无线方式与所述通信模件的终端接口连接，从而提供一传送和接收数据的接口；和A communication module interface, which is connected to the terminal interface of the communication module by wire or wirelessly, thereby providing an interface for transmitting and receiving data; and 一第一中心处理单元(CPU)，用于控制所述可移动终端的各个元件；a first central processing unit (CPU) for controlling each element of the mobile terminal; 其中，所述通信模件包括：Wherein, the communication module includes: 一DC电源，用于向该通信模件提供DC电源；A DC power supply for providing DC power to the communication module; 一串行通信控制器，为向外部打印机传送串行数据或由主机接收串行数据提供一串行通信接口；A serial communication controller, which provides a serial communication interface for transmitting serial data to an external printer or receiving serial data by a host computer; 一调制解调器，为与所述VAN连接提供一端口，并调制和解调通过所述连接端口输入和输出的信号；a modem providing a port for connection with said VAN and modulating and demodulating signals input and output through said connection port; 一终端接口，为通过有线或无线方式与所述可移动终端和其他财务终端连接提供一接口；A terminal interface, providing an interface for connecting with the mobile terminal and other financial terminals through wired or wireless means; 一第二存储器，存储运行所述通信模件和一可移动终端的程序；和a second memory storing programs for running said communication module and a mobile terminal; and 一第二中心处理单元(CPU)，用于控制所述通信模件的各个元件。A second central processing unit (CPU) for controlling the various components of the communication module. 2.根据权利要求1所述的卡网络电子付款终端，其中，所述通信模件的所述DC电源还包括一AC/DC转换器，利用AC电源作为输入产生运行所述通信模件需要的DC电源；和一充电指示器，用于指示充电状态。2. The card network electronic payment terminal according to claim 1, wherein the DC power supply of the communication module further includes an AC/DC converter, which uses the AC power supply as an input to generate the power needed to run the communication module. DC power supply; and a charging indicator for indicating charging status. 3.根据权利要求1所述的卡网络电子付款终端，其中，所述通信模件的调制解调器还包括一连接端口，其中，连接所述VAN端口的办公室线与电话线共用。3. The card network electronic payment terminal according to claim 1, wherein the modem of the communication module further comprises a connection port, wherein an office line connected to the VAN port is shared with a telephone line. 4.根据权利要求1所述的卡网络电子付款终端，其中，所述可移动终端的通信模件接口包括：4. The card network electronic payment terminal according to claim 1, wherein the communication module interface of the mobile terminal comprises: 一串行通信控制器，用于控制由所述可移动终端的所述CPU的串行通信端口接收的数据，和向所述可移动终端的所述CPU的串行通信端口传送的数据；和a serial communication controller for controlling data received by the serial communication port of the CPU of the mobile terminal and data transmitted to the serial communication port of the CPU of the mobile terminal; and 一RF单元，利用从所述串行通信控制器接收的异步串行通信数据作为输入，通过无线方式，向所述通信模件的RF单元传送数据和由所述通信模件的RF装置接收数据；an RF unit, using the asynchronous serial communication data received from the serial communication controller as an input, wirelessly transmits data to the RF unit of the communication module and receives data from the RF device of the communication module ; 其中，所述通信模件的终端接口包括：Wherein, the terminal interface of the communication module includes: 一串行通信控制器，用于控制向所述通信模件的所述CPU的串行通信端口传送的数据，和由所述通信模件的所述CPU的串行通信通道接收的数据，并提供一个通过电线与所述可移动终端和PINPAD连接的端口；和a serial communication controller for controlling data transmitted to the serial communication port of the CPU of the communication module and data received by the serial communication channel of the CPU of the communication module, and providing a port connected to said removable terminal and PINPAD by wire; and 一RF单元，利用由所述串行通信控制器接收的异步串行通信数据作为输入，通过无线方式，将数据传送到所述可移动终端的通信模件接口，并从所述可移动终端的通信模件接口接收数据。An RF unit, using the asynchronous serial communication data received by the serial communication controller as an input, wirelessly transmits the data to the communication module interface of the mobile terminal, and transmits the data from the communication module interface of the mobile terminal The communication module interface receives data. 5.根据权利要求1所述的卡网络电子付款终端，其中，所述通信模件还包括：5. The card network electronic payment terminal according to claim 1, wherein the communication module further comprises: 一多路连接部分，它包括：RS-485驱动器，用于将所述通信模件与多个外部装置连接；和一个继电器，用于将所述通信模件进行开和关的切换。A multi-way connection part, which includes: an RS-485 driver for connecting the communication module with a plurality of external devices; and a relay for switching the communication module on and off.
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